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The reason for my call, and I think I may have worked it out, but I'll just triple check with you anyway, is that I basically have a client who is recently divorced and is putting investments for his children. So he's looking at doing through either through a a child investment bond for his kids or one life builder bond with the future transfer event to be split through the kids. And what I was kind of wanting to see is how that investment potentially would impact child support payments if you know. Yes. Yes. Yes. Yes. Yes. Yes. Yes. You it's only wrong. If he were to take out the money for some reason before the ten years, that's when he will be added to the taxable income. Okay. Future four. Yep. Yep. Okay. Beautiful. And that so now, basically, between the two options, there's no difference. It works exactly the same, like, whether that's a child investment bond or life build bond. Yep. Yes. Yep. Yes. Yes. Yes. Yes. Yes. Yep. Yeah. And that's kind of, like, where my thinking first went. The only kind of caveat in this situation is that there's consent orders in place for the provision of the children, and they both need to sign off on it. So having it and then the husband is the sole kind of person to manage everything. So having a life builder bond because at the moment, the money sits in both their names, and then it gets transferred. So having it go through a life build upon where the husband then has the flexibility of potentially changing things might not agree with the wife in business. Yes. Yes. Yes. Which in this instance, I think the other party will not agree with. So from that point of view, yes, it limits the flexibility, which I normally really like. And this instead provides less flexibility with more certainty for the kids, I believe, before then the ex partner. Okay. Mhmm. Mhmm. Mhmm. Yep. Yeah. Yes. Yes. Yes. Yes. I think so. And can I just confirm while I do have you on the phone? I think it is the case. But with the child in the bond, let's say, that's the 25, at the time, can the child decide to retain it or change it to a life builder bond for itself without it resetting the ten year time frame? Frame. Beautiful. Yep. Yes. Yes. Yes. Especially because they've already they are only six and eight at the moment, so they do they do have the more than 10 years. So that's fantastic. Yep. Yes. Oh, yes. Yep. Yeah. Mhmm. Yeah. Mhmm. Yes. Yes. Yes. Yeah. Yeah. Oh, no. That's beautiful. It's so good. Yeah. Because we're looking at about not that much, unfortunately, about, like, 80,000 each, And then with extra contributions and stuff, obviously, throughout the year. So still something. Yeah. No. That's great. Well, you've been super helpful. Thank you so much for your time. And, yeah, a bit of phone tag, but we got there. Amazing. You so much. I really appreciate that. Mhmm. No worries. You too. 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afternoon, Joanna. This is Veronica from Financial. How are you? Good. Good.\n\nThanks. So now we've been playing with a phone tag. The reason for my call, and I think I may have worked it out, but I'll just triple check with you anyway, is that I basically have a client who is recently divorced and is putting investments for his children. So he's looking at doing through either through a a child investment bond for his kids or one life builder bond with the future transfer event to be split through the kids. And what I was kind of wanting to see is how that investment potentially would impact child support payments if you know.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yes. You it's only wrong. If he were to take out the money for some reason before the ten years, that's when he will be added to the taxable income. Okay.\n\nFuture four. Yep. Yep. Okay. Beautiful.\n\nAnd that so now, basically, between the two options, there's no difference. It works exactly the same, like, whether that's a child investment bond or life build bond. Yep. Yes. Yep.\n\nYes. Yes. Yes. Yes. Yes.\n\nYep. Yeah. And that's kind of, like, where my thinking first went. The only kind of caveat in this situation is that there's consent orders in place for the provision of the children, and they both need to sign off on it. So having it and then the husband is the sole kind of person to manage everything.\n\nSo having a life builder bond because at the moment, the money sits in both their names, and then it gets transferred. So having it go through a life build upon where the husband then has the flexibility of potentially changing things might not agree with the wife in business. Yes. Yes. Yes.\n\nWhich in this instance, I think the other party will not agree with. So from that point of view, yes, it limits the flexibility, which I normally really like. And this instead provides less flexibility with more certainty for the kids, I believe, before then the ex partner. Okay. Mhmm.\n\nMhmm. Mhmm. Yep. Yeah. Yes.\n\nYes. Yes. Yes. I think so. And can I just confirm while I do have you on the phone?\n\nI think it is the case. But with the child in the bond, let's say, that's the 25, at the time, can the child decide to retain it or change it to a life builder bond for itself without it resetting the ten year time frame? Frame. Beautiful. Yep.\n\nYes. Yes. Yes. Especially because they've already they are only six and eight at the moment, so they do they do have the more than 10 years. So that's fantastic.\n\nYep. Yes. Oh, yes. Yep. Yeah.\n\nMhmm. Yeah. Mhmm. Yes. Yes.\n\nYes. Yeah. Yeah. Oh, no. That's beautiful.\n\nIt's so good. Yeah. Because we're looking at about not that much, unfortunately, about, like, 80,000 each, And then with extra contributions and stuff, obviously, throughout the year. So still something. Yeah.\n\nNo. That's great. Well, you've been super helpful. Thank you so much for your time. And, yeah, a bit of phone tag, but we got there.\n\nAmazing. You so much. I really appreciate that. Mhmm. No worries.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Joanna.","start":4.4,"end":5.44,"sentiment":"positive","sentiment_score":0.36402247349421185},{"text":"This is Veronica from Financial.","start":5.44,"end":6.74,"sentiment":"neutral","sentiment_score":0.2487746447324753},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"neutral","sentiment_score":0.22195100287596384},{"text":"Good.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.4527357220649719},{"text":"Good.","start":10.88,"end":11.2,"sentiment":"positive","sentiment_score":0.4739459156990051}],"sentiment":"neutral","sentiment_score":0.30219040696437544,"num_words":13,"start":4.4,"end":11.2},{"sentences":[{"text":"Thanks.","start":11.2,"end":11.599999,"sentiment":"positive","sentiment_score":0.4916399121284485},{"text":"So now we've been playing with a phone tag.","start":11.599999,"end":13.54,"sentiment":"neutral","sentiment_score":0.07688567290703456},{"text":"The reason for my call, and I think I may have worked it out, but I'll just triple check with you anyway, is that I basically have a client who is recently divorced and is putting investments for his children.","start":17.625,"end":35.170002,"sentiment":"neutral","sentiment_score":-0.004975615628063678},{"text":"So he's looking at doing through either through a a child investment bond for his kids or one life builder bond with the future transfer event to be split through the kids.","start":35.23,"end":45.325,"sentiment":"neutral","sentiment_score":0.005984230141621083},{"text":"And what I was kind of wanting to see is how that investment potentially would impact child support payments if you know.","start":45.865,"end":55.245,"sentiment":"neutral","sentiment_score":-0.10631195049394261}],"sentiment":"neutral","sentiment_score":-0.011180588491977407,"num_words":104,"start":11.2,"end":55.245},{"sentences":[{"text":"Yes.","start":59.75,"end":60.25,"sentiment":"neutral","sentiment_score":-0.06430912017822266},{"text":"Yes.","start":67.67,"end":68.17,"sentiment":"neutral","sentiment_score":0.09409505128860474},{"text":"Yes.","start":86.5,"end":87.0,"sentiment":"neutral","sentiment_score":0.19686201214790344},{"text":"Yes.","start":90.020004,"end":90.520004,"sentiment":"neutral","sentiment_score":0.1499144732952118},{"text":"Yes.","start":93.46,"end":93.96,"sentiment":"neutral","sentiment_score":0.15291544795036316}],"sentiment":"neutral","sentiment_score":0.10589557290077209,"num_words":5,"start":59.75,"end":93.96},{"sentences":[{"text":"Yes.","start":101.695,"end":102.195,"sentiment":"neutral","sentiment_score":0.09434182941913603},{"text":"Yes.","start":107.854996,"end":108.354996,"sentiment":"neutral","sentiment_score":0.11529063433408736},{"text":"You it's only wrong.","start":111.135,"end":113.149994,"sentiment":"neutral","sentiment_score":-0.24103866517543793},{"text":"If he were to take out the money for some reason before the ten years, that's when he will be added to the taxable income.","start":113.149994,"end":118.909996,"sentiment":"neutral","sentiment_score":-0.13503141447901726},{"text":"Okay.","start":118.909996,"end":119.409996,"sentiment":"neutral","sentiment_score":0.0560075119137764}],"sentiment":"neutral","sentiment_score":-0.12732187646906823,"num_words":32,"start":101.695,"end":119.409996},{"sentences":[{"text":"Future four.","start":119.46999,"end":120.369995,"sentiment":"neutral","sentiment_score":0.05629691481590271},{"text":"Yep.","start":124.03,"end":124.53,"sentiment":"neutral","sentiment_score":0.1143862158060074},{"text":"Yep.","start":138.725,"end":139.05,"sentiment":"neutral","sentiment_score":0.0954107865691185},{"text":"Okay.","start":142.17,"end":142.49,"sentiment":"neutral","sentiment_score":0.33307963609695435},{"text":"Beautiful.","start":142.49,"end":142.99,"sentiment":"positive","sentiment_score":0.5898706912994385}],"sentiment":"neutral","sentiment_score":0.20755685990055403,"num_words":6,"start":119.46999,"end":142.99},{"sentences":[{"text":"And that so now, basically, between the two options, there's no difference.","start":143.05,"end":146.01001,"sentiment":"neutral","sentiment_score":0.20856653340160847},{"text":"It works exactly the same, like, whether that's a child investment bond or life build bond.","start":146.01001,"end":150.59,"sentiment":"neutral","sentiment_score":0.15672638139221817},{"text":"Yep.","start":150.97,"end":151.215,"sentiment":"neutral","sentiment_score":0.10727977007627489},{"text":"Yes.","start":172.31001,"end":172.81001,"sentiment":"neutral","sentiment_score":0.05579301714897156},{"text":"Yep.","start":188.96501,"end":189.285,"sentiment":"neutral","sentiment_score":0.19193673133850095}],"sentiment":"neutral","sentiment_score":0.17307838779543677,"num_words":31,"start":143.05,"end":189.285},{"sentences":[{"text":"Yes.","start":189.285,"end":189.72,"sentiment":"neutral","sentiment_score":0.11632688343524931},{"text":"Yes.","start":192.04001,"end":192.54001,"sentiment":"neutral","sentiment_score":0.13389340043067932},{"text":"Yes.","start":198.84,"end":199.0,"sentiment":"neutral","sentiment_score":0.11922566592693327},{"text":"Yes.","start":199.0,"end":199.5,"sentiment":"neutral","sentiment_score":0.1460142731666565},{"text":"Yes.","start":200.76,"end":201.26,"sentiment":"neutral","sentiment_score":0.20574381947517395}],"sentiment":"neutral","sentiment_score":0.1442408084869385,"num_words":5,"start":189.285,"end":201.26},{"sentences":[{"text":"Yep.","start":208.775,"end":209.275,"sentiment":"neutral","sentiment_score":0.03713681548833847},{"text":"Yeah.","start":217.83,"end":218.33,"sentiment":"neutral","sentiment_score":0.02189212664961815},{"text":"And that's kind of, like, where my thinking first went.","start":218.39,"end":220.81,"sentiment":"neutral","sentiment_score":0.006111354660242796},{"text":"The only kind of caveat in this situation is that there's consent orders in place for the provision of the children, and they both need to sign off on it.","start":221.11,"end":228.94499,"sentiment":"neutral","sentiment_score":-0.17563509543736774},{"text":"So having it and then the husband is the sole kind of person to manage everything.","start":228.94499,"end":233.525,"sentiment":"neutral","sentiment_score":-0.05536670424044132}],"sentiment":"neutral","sentiment_score":-0.10404789038323636,"num_words":58,"start":208.775,"end":233.525},{"sentences":[{"text":"So having a life builder bond because at the moment, the money sits in both their names, and then it gets transferred.","start":233.665,"end":239.525,"sentiment":"neutral","sentiment_score":0.013006508181040937},{"text":"So having it go through a life build upon where the husband then has the flexibility of potentially changing things might not agree with the wife in business.","start":239.905,"end":250.29,"sentiment":"neutral","sentiment_score":0.03638357895293406},{"text":"Yes.","start":254.51,"end":254.895,"sentiment":"neutral","sentiment_score":0.2678366005420685},{"text":"Yes.","start":259.135,"end":259.635,"sentiment":"neutral","sentiment_score":0.1950424611568451},{"text":"Yes.","start":264.255,"end":264.755,"sentiment":"neutral","sentiment_score":-0.05273110046982765}],"sentiment":"neutral","sentiment_score":0.03235908211121019,"num_words":53,"start":233.665,"end":264.755},{"sentences":[{"text":"Which in this instance, I think the other party will not agree with.","start":265.055,"end":269.555,"sentiment":"negative","sentiment_score":-0.3472262632388335},{"text":"So from that point of view, yes, it limits the flexibility, which I normally really like.","start":269.855,"end":275.94,"sentiment":"negative","sentiment_score":-0.36969355400651693},{"text":"And this instead provides less flexibility with more certainty for the kids, I believe, before then the ex partner.","start":277.2,"end":285.965,"sentiment":"neutral","sentiment_score":-0.04361562862208015},{"text":"Okay.","start":288.345,"end":288.845,"sentiment":"neutral","sentiment_score":-0.0004353038966655731},{"text":"Mhmm.","start":310.13,"end":310.63,"sentiment":"neutral","sentiment_score":-0.1996135115623474}],"sentiment":"neutral","sentiment_score":-0.22915568090975286,"num_words":50,"start":265.055,"end":310.63},{"sentences":[{"text":"Mhmm.","start":311.33,"end":311.625,"sentiment":"neutral","sentiment_score":-0.07303697615861893},{"text":"Mhmm.","start":317.785,"end":317.865,"sentiment":"neutral","sentiment_score":0.03173091262578964},{"text":"Yep.","start":317.865,"end":318.365,"sentiment":"neutral","sentiment_score":0.09806589782238008},{"text":"Yeah.","start":324.19998,"end":324.69998,"sentiment":"neutral","sentiment_score":0.05470942705869675},{"text":"Yes.","start":339.24,"end":339.555,"sentiment":"neutral","sentiment_score":0.28275594115257263}],"sentiment":"neutral","sentiment_score":0.07884504050016403,"num_words":5,"start":311.33,"end":339.555},{"sentences":[{"text":"Yes.","start":344.91498,"end":345.41498,"sentiment":"positive","sentiment_score":0.41097259521484375},{"text":"Yes.","start":346.91498,"end":347.41498,"sentiment":"neutral","sentiment_score":0.1507607102394104},{"text":"Yes.","start":347.475,"end":347.975,"sentiment":"neutral","sentiment_score":0.12030628323554993},{"text":"I think so.","start":348.195,"end":349.155,"sentiment":"neutral","sentiment_score":0.1598808616399765},{"text":"And can I just confirm while I do have you on the phone?","start":349.155,"end":351.235,"sentiment":"neutral","sentiment_score":0.03166668632855782}],"sentiment":"neutral","sentiment_score":0.08280784715163081,"num_words":19,"start":344.91498,"end":351.235},{"sentences":[{"text":"I think it is the case.","start":351.235,"end":352.35498,"sentiment":"neutral","sentiment_score":0.03670297469943762},{"text":"But with the child in the bond, let's say, that's the 25, at the time, can the child decide to retain it or change it to a life builder bond for itself without it resetting the ten year time frame?","start":352.35498,"end":368.175,"sentiment":"neutral","sentiment_score":0.033619209309108555},{"text":"Frame.","start":369.775,"end":370.01498,"sentiment":"neutral","sentiment_score":0.1045943796634674},{"text":"Beautiful.","start":370.01498,"end":370.51498,"sentiment":"positive","sentiment_score":0.3494775891304016},{"text":"Yep.","start":377.215,"end":377.715,"sentiment":"neutral","sentiment_score":0.11542000621557236}],"sentiment":"neutral","sentiment_score":0.04356077950143693,"num_words":49,"start":351.235,"end":377.715},{"sentences":[{"text":"Yes.","start":385.07,"end":385.57,"sentiment":"positive","sentiment_score":0.3779585361480713},{"text":"Yes.","start":387.07,"end":387.57,"sentiment":"neutral","sentiment_score":0.2738763988018036},{"text":"Yes.","start":389.31,"end":389.81,"sentiment":"neutral","sentiment_score":0.19648733735084536},{"text":"Especially because they've already they are only six and eight at the moment, so they do they do have the more than 10 years.","start":389.95,"end":395.405,"sentiment":"neutral","sentiment_score":0.08037254291897018},{"text":"So that's fantastic.","start":395.405,"end":396.38498,"sentiment":"positive","sentiment_score":0.4199797014395396}],"sentiment":"neutral","sentiment_score":0.13457341355582078,"num_words":30,"start":385.07,"end":396.38498},{"sentences":[{"text":"Yep.","start":396.76498,"end":397.26498,"sentiment":"neutral","sentiment_score":0.1288345456123352},{"text":"Yes.","start":403.72498,"end":404.22498,"sentiment":"neutral","sentiment_score":0.033611368387937546},{"text":"Oh, yes.","start":410.65,"end":411.31,"sentiment":"neutral","sentiment_score":0.012157033663243055},{"text":"Yep.","start":414.49,"end":414.99,"sentiment":"neutral","sentiment_score":-0.019063429906964306},{"text":"Yeah.","start":417.61,"end":418.11,"sentiment":"neutral","sentiment_score":-0.0017272592522203922}],"sentiment":"neutral","sentiment_score":0.027661548694595695,"num_words":6,"start":396.76498,"end":418.11},{"sentences":[{"text":"Mhmm.","start":420.25,"end":420.75,"sentiment":"neutral","sentiment_score":0.007162793539464474},{"text":"Yeah.","start":422.01,"end":422.51,"sentiment":"neutral","sentiment_score":0.019298935309052467},{"text":"Mhmm.","start":427.095,"end":427.595,"sentiment":"neutral","sentiment_score":0.07216862589120865},{"text":"Yes.","start":430.055,"end":430.555,"sentiment":"neutral","sentiment_score":0.12241404503583908},{"text":"Yes.","start":430.935,"end":431.435,"sentiment":"neutral","sentiment_score":0.2432359009981155}],"sentiment":"neutral","sentiment_score":0.09285606015473605,"num_words":5,"start":420.25,"end":431.435},{"sentences":[{"text":"Yes.","start":436.695,"end":437.16,"sentiment":"neutral","sentiment_score":0.12405788898468018},{"text":"Yeah.","start":438.76,"end":439.26,"sentiment":"neutral","sentiment_score":0.096480131149292},{"text":"Yeah.","start":445.72,"end":446.2,"sentiment":"neutral","sentiment_score":0.12095661461353302},{"text":"Oh, no.","start":446.2,"end":446.52,"sentiment":"neutral","sentiment_score":0.20317935943603516},{"text":"That's beautiful.","start":446.52,"end":447.16,"sentiment":"positive","sentiment_score":0.47415725886821747}],"sentiment":"neutral","sentiment_score":0.2423096959080015,"num_words":7,"start":436.695,"end":447.16},{"sentences":[{"text":"It's so good.","start":447.16,"end":447.72,"sentiment":"positive","sentiment_score":0.5597187479337057},{"text":"Yeah.","start":447.72,"end":447.96,"sentiment":"neutral","sentiment_score":0.09896215051412582},{"text":"Because we're looking at about not that much, unfortunately, about, like, 80,000 each, And then with extra contributions and stuff, obviously, throughout the year.","start":447.96,"end":456.04498,"sentiment":"neutral","sentiment_score":0.029062898480333388},{"text":"So still something.","start":456.04498,"end":457.185,"sentiment":"neutral","sentiment_score":0.16753985484441122},{"text":"Yeah.","start":467.245,"end":467.61,"sentiment":"neutral","sentiment_score":0.02287149243056774}],"sentiment":"neutral","sentiment_score":0.09378496921272017,"num_words":32,"start":447.16,"end":467.61},{"sentences":[{"text":"No.","start":467.84998,"end":468.00998,"sentiment":"neutral","sentiment_score":0.05889151990413666},{"text":"That's great.","start":468.00998,"end":468.65,"sentiment":"neutral","sentiment_score":0.21066565811634064},{"text":"Well, you've been super helpful.","start":468.65,"end":469.94998,"sentiment":"positive","sentiment_score":0.45471001267433164},{"text":"Thank you so much for your time.","start":470.16998,"end":472.03,"sentiment":"positive","sentiment_score":0.39005387680871145},{"text":"And, yeah, a bit of phone tag, but we got there.","start":472.16998,"end":475.22998,"sentiment":"neutral","sentiment_score":0.040211921727115456}],"sentiment":"neutral","sentiment_score":0.22794158369875872,"num_words":26,"start":467.84998,"end":475.22998},{"sentences":[{"text":"Amazing.","start":482.56998,"end":483.06998,"sentiment":"positive","sentiment_score":0.5021949410438538},{"text":"You so much.","start":483.17892,"end":483.57895,"sentiment":"positive","sentiment_score":0.5204756657282511},{"text":"I really appreciate that.","start":483.57895,"end":484.87894,"sentiment":"positive","sentiment_score":0.5587680786848068},{"text":"Mhmm.","start":485.25894,"end":485.75894,"sentiment":"neutral","sentiment_score":0.107868529856205},{"text":"No worries.","start":485.81894,"end":486.55893,"sentiment":"neutral","sentiment_score":0.11144998669624329}],"sentiment":"positive","sentiment_score":0.4208602505651387,"num_words":11,"start":482.56998,"end":486.55893},{"sentences":[{"text":"You too.","start":487.01895,"end":487.73895,"sentiment":"positive","sentiment_score":0.4181746244430542},{"text":"Bye.","start":487.73895,"end":488.23895,"sentiment":"neutral","sentiment_score":0.2029258906841278}],"sentiment":"positive","sentiment_score":0.34642504652341205,"num_words":3,"start":487.01895,"end":488.23895}]}}]},{"alternatives":[{"transcript":"Hello. Joanna speaking. Very well. Thanks for calling. How are you today? Indeed, we have indeed. Of course. Mhmm. Mhmm. Yep. No. Look. It it this is it's a bit of a curly one because I don't really know. My royal compass sits on it, but the beauty about the investment bond is it doesn't increase his personal accessible income. So in that regard, it's actually going to minimize his child support payments. So we actually do have this adviser to utilize it as a strategy where, you know, parents, where they've, divorced, they feel that, you know, all the assets have been equitably split at this point in time. They want a very clean separation. They always wanna provide for their children, but they don't wanna increase their child support payments. So in this regard, the investment bond is a good shelter to not have to impact or increase future payments. Because, again, it's all based on personal taxable income, and the bond compounds internally, and the investment bond is the taxpayer on behalf of the father. Therefore, there's no further assessments to be made on this investment. Correct. Exactly. Exactly. Indeed. Indeed. And only then predominantly in the early years, it's a return of capital. So the 80 hertz specific formula for investment bonds. So it's predominantly taking out his own capital. There'd be a nominal accessible component on which there'd be top up tax payable, and that nominal component is potentially what he would need to disclose. So that gives him financial year for the child support payments in that year. It does. Correct. Yes. But what we are finding is that advisers are steering towards the life builder bond only because it doesn't have the limitations. So when we designed the estate planning features of Life Builder, we mimicked everything Child Builders could do, but we took away the limitations. So with Child Builder, the policy has to be set up for a child 16, and it has to vest between the ages of 10 and 25. And feedback from a lot of parents and grandparents was that 25 is still potentially too young to receive funds. They wanted to push it out to 30, even 40 in some instances. And it was often catching out children or grandchildren that had already turned 16, but they still wanted to be provided for. So just from an ease and flexibility perspective, the life builders, the more generic approach, they both they do the same thing. They are, you know, same investment options. Ultimately, they can be structured in a similar way. So then it sometimes even comes down to client preference. We're having the name child builder in implies that it is still the best benefit of the child. It is governed under the child advancement policy. And so there's more of a, you know, touchy feely element to it as well, you know, using that product. But again, advisors are probably steering more towards just the life builder application. Mhmm. Sure. Yep. Yeah. Absolutely. And and exactly. And it's also his individual beneficial ownership until the transfer actually occurs. So he'll have that peace of mind knowing that this is my asset. I control it. I own it. And it's when I wanna pass it down to the kids is when they're gonna receive it. Sure. Yes. Yeah. No. No. It's fairly interchangeable in that regard. And what he could also consider even from, you know, having more of an active role with these funds even when he does transfer them is potentially even using a co signatory feature. So he could maybe feel that, well, because, you know, I wanna give my kids this present at the age of 21. However, I'm a little bit concerned that between the age of 21 and 30, they might not have the maturity I want them to have. So he could nominate for the future event transfer to occur at 21, but put in restricted access until 30. And any withdrawals made until the thirtieth birthday, he could actually nominate himself to be co signatories so the kids would have to turn to him and say, hey, dad. This is what I wanna use the funds for. Can we take money out of the bond? So there's all those extra little features. Look, in all honesty, very interchangeable. But just to your point that the child builder is governed under the child advancement policy. So it is that the funds are specifically set aside for the best benefit of the kids. So I think that's a good fit in this case. Of course. Absolutely. Absolutely. So at 20 five, the investment bond continues. And to your point, there's an automatic transfer from child builder to life builder. And the bonds automatically continue until the children actually, you know, approach us and say that they do wanna make a redemption. So the the beauty of it is, and the education piece, is for the kids to keep things running for as long as possible. They've got time. Absolutely. Absolutely. And look at those ages and look, we we obviously see some really substantial amounts being set aside for kids. But I I think the largest one I saw was a $3,000,000 bond for a six or seven year old. So you could imagine the compound opportunity by the time and this one was using LifeBuilder, So they were actually restricting access until 30. So, you know, this is that we kinda have an internal stroke of Generation Life. There are trust fund babies out there, but they're actually gonna be bond fund babies out there. So the beauty of it is, and and especially at these ages, after ten years, these are tax paid investments in the hands of the kids. So they're very, very tax efficient investment vehicles for the kids to maintain for for, hopefully, as long as possible. And they can actually run for up to 99 years. So any one investment bond can actually even be passed down from one generation to another. Yeah. Of course. Yep. Oh, that's amazing. No. No. No. Look. That that's you know, it's it's it's not even small something. That is a substantial amount for, you know, six and eight year olds to to then eventually come into ownership of. Absolutely. Pleasure. No dramas at all. Feel free. As Meryl would have said of course. I know as Meryl would have mentioned, I'm part of the technical team, so feel free to call me anytime, and I'm always more than happy to brainstorm scenarios. Pleasure, Veronica. Not a problem. You have a lovely afternoon. Take care. See you then. 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Joanna speaking. Very well. Thanks for calling. How are you today?\n\nIndeed, we have indeed. Of course. Mhmm. Mhmm. Yep.\n\nNo. Look. It it this is it's a bit of a curly one because I don't really know. My royal compass sits on it, but the beauty about the investment bond is it doesn't increase his personal accessible income. So in that regard, it's actually going to minimize his child support payments.\n\nSo we actually do have this adviser to utilize it as a strategy where, you know, parents, where they've, divorced, they feel that, you know, all the assets have been equitably split at this point in time. They want a very clean separation. They always wanna provide for their children, but they don't wanna increase their child support payments. So in this regard, the investment bond is a good shelter to not have to impact or increase future payments. Because, again, it's all based on personal taxable income, and the bond compounds internally, and the investment bond is the taxpayer on behalf of the father.\n\nTherefore, there's no further assessments to be made on this investment. Correct. Exactly. Exactly. Indeed.\n\nIndeed. And only then predominantly in the early years, it's a return of capital. So the 80 hertz specific formula for investment bonds. So it's predominantly taking out his own capital. There'd be a nominal accessible component on which there'd be top up tax payable, and that nominal component is potentially what he would need to disclose.\n\nSo that gives him financial year for the child support payments in that year. It does. Correct. Yes. But what we are finding is that advisers are steering towards the life builder bond only because it doesn't have the limitations.\n\nSo when we designed the estate planning features of Life Builder, we mimicked everything Child Builders could do, but we took away the limitations. So with Child Builder, the policy has to be set up for a child 16, and it has to vest between the ages of 10 and 25. And feedback from a lot of parents and grandparents was that 25 is still potentially too young to receive funds. They wanted to push it out to 30, even 40 in some instances. And it was often catching out children or grandchildren that had already turned 16, but they still wanted to be provided for.\n\nSo just from an ease and flexibility perspective, the life builders, the more generic approach, they both they do the same thing. They are, you know, same investment options. Ultimately, they can be structured in a similar way. So then it sometimes even comes down to client preference. We're having the name child builder in implies that it is still the best benefit of the child.\n\nIt is governed under the child advancement policy. And so there's more of a, you know, touchy feely element to it as well, you know, using that product. But again, advisors are probably steering more towards just the life builder application. Mhmm. Sure.\n\nYep. Yeah. Absolutely. And and exactly. And it's also his individual beneficial ownership until the transfer actually occurs.\n\nSo he'll have that peace of mind knowing that this is my asset. I control it. I own it. And it's when I wanna pass it down to the kids is when they're gonna receive it. Sure.\n\nYes. Yeah. No. No. It's fairly interchangeable in that regard.\n\nAnd what he could also consider even from, you know, having more of an active role with these funds even when he does transfer them is potentially even using a co signatory feature. So he could maybe feel that, well, because, you know, I wanna give my kids this present at the age of 21. However, I'm a little bit concerned that between the age of 21 and 30, they might not have the maturity I want them to have. So he could nominate for the future event transfer to occur at 21, but put in restricted access until 30. And any withdrawals made until the thirtieth birthday, he could actually nominate himself to be co signatories so the kids would have to turn to him and say, hey, dad.\n\nThis is what I wanna use the funds for. Can we take money out of the bond? So there's all those extra little features. Look, in all honesty, very interchangeable. But just to your point that the child builder is governed under the child advancement policy.\n\nSo it is that the funds are specifically set aside for the best benefit of the kids. So I think that's a good fit in this case. Of course. Absolutely. Absolutely.\n\nSo at 20 five, the investment bond continues. And to your point, there's an automatic transfer from child builder to life builder. And the bonds automatically continue until the children actually, you know, approach us and say that they do wanna make a redemption. So the the beauty of it is, and the education piece, is for the kids to keep things running for as long as possible. They've got time.\n\nAbsolutely. Absolutely. And look at those ages and look, we we obviously see some really substantial amounts being set aside for kids. But I I think the largest one I saw was a $3,000,000 bond for a six or seven year old. So you could imagine the compound opportunity by the time and this one was using LifeBuilder, So they were actually restricting access until 30.\n\nSo, you know, this is that we kinda have an internal stroke of Generation Life. There are trust fund babies out there, but they're actually gonna be bond fund babies out there. So the beauty of it is, and and especially at these ages, after ten years, these are tax paid investments in the hands of the kids. So they're very, very tax efficient investment vehicles for the kids to maintain for for, hopefully, as long as possible. And they can actually run for up to 99 years.\n\nSo any one investment bond can actually even be passed down from one generation to another. Yeah. Of course. Yep. Oh, that's amazing.\n\nNo. No. No. Look. That that's you know, it's it's it's not even small something.\n\nThat is a substantial amount for, you know, six and eight year olds to to then eventually come into ownership of. Absolutely. Pleasure. No dramas at all. Feel free.\n\nAs Meryl would have said of course. I know as Meryl would have mentioned, I'm part of the technical team, so feel free to call me anytime, and I'm always more than happy to brainstorm scenarios. Pleasure, Veronica. Not a problem. You have a lovely afternoon.\n\nTake care. See you then. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.04721830040216446},{"text":"Joanna speaking.","start":1.92,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.051015034317970276},{"text":"Very well.","start":8.0,"end":8.559999,"sentiment":"positive","sentiment_score":0.5524945259094238},{"text":"Thanks for calling.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.6486188371976217},{"text":"How are you today?","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.43857742846012115}],"sentiment":"positive","sentiment_score":0.41286697052419186,"num_words":12,"start":1.4399999,"end":10.0199995},{"sentences":[{"text":"Indeed, we have indeed.","start":13.5199995,"end":14.98,"sentiment":"neutral","sentiment_score":0.07893971353769302},{"text":"Of 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investment.","start":107.34499,"end":110.325,"sentiment":"neutral","sentiment_score":-0.05987782810222019},{"text":"Correct.","start":114.799995,"end":115.299995,"sentiment":"neutral","sentiment_score":-0.05168283358216286},{"text":"Exactly.","start":115.759995,"end":116.259995,"sentiment":"neutral","sentiment_score":-0.04419019818305969},{"text":"Exactly.","start":116.96,"end":117.46,"sentiment":"neutral","sentiment_score":-0.0406278595328331},{"text":"Indeed.","start":118.96,"end":119.46,"sentiment":"neutral","sentiment_score":0.06143445149064064}],"sentiment":"neutral","sentiment_score":-0.048914836595455806,"num_words":15,"start":107.34499,"end":119.46},{"sentences":[{"text":"Indeed.","start":119.52,"end":119.92,"sentiment":"neutral","sentiment_score":0.04557980224490166},{"text":"And only then predominantly in the early years, it's a return of capital.","start":119.92,"end":123.44,"sentiment":"neutral","sentiment_score":0.06054562186965576},{"text":"So the 80 hertz specific formula for investment bonds.","start":123.44,"end":127.125,"sentiment":"neutral","sentiment_score":0.1040662278731664},{"text":"So it's predominantly taking out his own capital.","start":127.285,"end":129.365,"sentiment":"neutral","sentiment_score":0.06538400426506996},{"text":"There'd be a nominal accessible component on which there'd be top up tax payable, and that nominal component is potentially what he would need to disclose.","start":129.365,"end":137.945,"sentiment":"neutral","sentiment_score":0.059813119327792756}],"sentiment":"neutral","sentiment_score":0.06749968550968588,"num_words":57,"start":119.52,"end":137.945},{"sentences":[{"text":"So that gives him financial year for the child support payments in that year.","start":138.245,"end":141.865,"sentiment":"neutral","sentiment_score":0.11999050368155752},{"text":"It does.","start":147.77,"end":148.51001,"sentiment":"neutral","sentiment_score":0.06532200612127781},{"text":"Correct.","start":149.77,"end":150.27,"sentiment":"neutral","sentiment_score":0.08660587668418884},{"text":"Yes.","start":150.49,"end":150.81,"sentiment":"neutral","sentiment_score":0.11544279754161836},{"text":"But what we are finding is that advisers are steering towards the life builder bond only because it doesn't have the limitations.","start":150.81,"end":157.245,"sentiment":"neutral","sentiment_score":0.07888309386643497}],"sentiment":"neutral","sentiment_score":0.09369969507679343,"num_words":40,"start":138.245,"end":157.245},{"sentences":[{"text":"So when we designed the estate planning features of Life Builder, we mimicked everything Child Builders could do, but we took away the limitations.","start":157.385,"end":164.36499,"sentiment":"neutral","sentiment_score":0.06251353397965431},{"text":"So with Child Builder, the policy has to be set up for a child 16, and it has to vest between the ages of 10 and 25.","start":164.42499,"end":171.40999,"sentiment":"neutral","sentiment_score":0.07538905615607898},{"text":"And feedback from a lot of parents and grandparents was that 25 is still potentially too young to receive funds.","start":171.62999,"end":176.59,"sentiment":"neutral","sentiment_score":-0.09608667567372323},{"text":"They wanted to push it out to 30, even 40 in some instances.","start":176.59,"end":179.65,"sentiment":"neutral","sentiment_score":0.020653242675157692},{"text":"And it was often catching out children or grandchildren that had already turned 16, but they still wanted to be provided for.","start":179.87,"end":186.445,"sentiment":"neutral","sentiment_score":0.04544083452360197}],"sentiment":"neutral","sentiment_score":0.027191380495732685,"num_words":106,"start":157.385,"end":186.445},{"sentences":[{"text":"So just from an ease and flexibility perspective, the life builders, the more generic approach, they both they do the same thing.","start":186.445,"end":193.805,"sentiment":"neutral","sentiment_score":0.18281117115508427},{"text":"They are, you know, same investment options.","start":193.805,"end":195.565,"sentiment":"neutral","sentiment_score":0.18225412922246115},{"text":"Ultimately, they can be structured in a similar way.","start":195.565,"end":198.2,"sentiment":"neutral","sentiment_score":0.22415642109182146},{"text":"So then it sometimes even comes down to client preference.","start":198.2,"end":200.7,"sentiment":"neutral","sentiment_score":0.13647560700774192},{"text":"We're having the name child builder in implies that it is still the best benefit of the child.","start":201.0,"end":205.72,"sentiment":"neutral","sentiment_score":0.295011012090577}],"sentiment":"neutral","sentiment_score":0.21196949617429214,"num_words":66,"start":186.445,"end":205.72},{"sentences":[{"text":"It is governed under the child advancement policy.","start":205.72,"end":208.14,"sentiment":"neutral","sentiment_score":0.16987301409244537},{"text":"And so there's more of a, you know, touchy feely element to it as well, you know, using that product.","start":208.44,"end":212.865,"sentiment":"neutral","sentiment_score":0.14541808962821962},{"text":"But again, advisors are probably steering more towards just the life builder application.","start":212.865,"end":216.965,"sentiment":"neutral","sentiment_score":0.05304248802936994},{"text":"Mhmm.","start":227.61,"end":228.11,"sentiment":"neutral","sentiment_score":-0.1251169592142105},{"text":"Sure.","start":238.525,"end":239.025,"sentiment":"neutral","sentiment_score":0.035125482827425}],"sentiment":"neutral","sentiment_score":0.11318387844881346,"num_words":43,"start":205.72,"end":239.025},{"sentences":[{"text":"Yep.","start":239.805,"end":240.305,"sentiment":"neutral","sentiment_score":0.052901607006788254},{"text":"Yeah.","start":247.325,"end":247.64499,"sentiment":"neutral","sentiment_score":-0.023687070235610008},{"text":"Absolutely.","start":247.64499,"end":248.14499,"sentiment":"neutral","sentiment_score":-0.15532159805297852},{"text":"And and exactly.","start":248.36499,"end":249.905,"sentiment":"neutral","sentiment_score":-0.12948723385731378},{"text":"And it's also his individual beneficial ownership until the transfer actually occurs.","start":250.55,"end":255.67,"sentiment":"neutral","sentiment_score":0.16479225798199573}],"sentiment":"neutral","sentiment_score":0.08127435182945596,"num_words":18,"start":239.805,"end":255.67},{"sentences":[{"text":"So he'll have that peace of mind knowing that this is my asset.","start":255.67,"end":258.57,"sentiment":"neutral","sentiment_score":0.3252100577721229},{"text":"I control it.","start":258.71,"end":259.43,"sentiment":"neutral","sentiment_score":0.17902497698863348},{"text":"I own it.","start":259.43,"end":259.99,"sentiment":"neutral","sentiment_score":0.27768908937772113},{"text":"And it's when I wanna pass it down to the kids is when they're gonna receive it.","start":259.99,"end":263.685,"sentiment":"neutral","sentiment_score":0.15704462238970926},{"text":"Sure.","start":275.605,"end":276.085,"sentiment":"neutral","sentiment_score":-0.03653700649738312}],"sentiment":"neutral","sentiment_score":0.22246201416930636,"num_words":37,"start":255.67,"end":276.085},{"sentences":[{"text":"Yes.","start":276.085,"end":276.565,"sentiment":"neutral","sentiment_score":-0.005183294415473938},{"text":"Yeah.","start":276.565,"end":277.065,"sentiment":"neutral","sentiment_score":-0.019158724695444107},{"text":"No.","start":284.55002,"end":284.87,"sentiment":"neutral","sentiment_score":-0.17451338469982147},{"text":"No.","start":284.87,"end":285.37,"sentiment":"neutral","sentiment_score":-0.1942135989665985},{"text":"It's fairly interchangeable in that regard.","start":285.51,"end":287.67,"sentiment":"neutral","sentiment_score":-0.01706639987727006}],"sentiment":"neutral","sentiment_score":-0.04954674020409584,"num_words":10,"start":276.085,"end":287.67},{"sentences":[{"text":"And what he could also consider even from, you know, having more of an active role with these funds even when he does transfer them is potentially even using a co signatory feature.","start":287.67,"end":298.10498,"sentiment":"neutral","sentiment_score":0.07811839743094011},{"text":"So he could maybe feel that, well, because, you know, I wanna give my kids this present at the age of 21.","start":298.10498,"end":303.72,"sentiment":"neutral","sentiment_score":0.08318274603648619},{"text":"However, I'm a little bit concerned that between the age of 21 and 30, they might not have the maturity I want them to have.","start":304.36002,"end":310.78,"sentiment":"negative","sentiment_score":-0.3765305244922638},{"text":"So he could nominate for the future event transfer to occur at 21, but put in restricted access until 30.","start":310.84,"end":317.1,"sentiment":"neutral","sentiment_score":0.0010494808200746774},{"text":"And any withdrawals made until the thirtieth birthday, he could actually nominate himself to be co signatories so the kids would have to turn to him and say, hey, dad.","start":317.395,"end":324.835,"sentiment":"neutral","sentiment_score":0.08074123430997134}],"sentiment":"neutral","sentiment_score":-0.019708530296786472,"num_words":130,"start":287.67,"end":324.835},{"sentences":[{"text":"This is what I wanna use the funds for.","start":324.835,"end":326.275,"sentiment":"neutral","sentiment_score":0.0470376383099291},{"text":"Can we take money out of the bond?","start":326.275,"end":327.47498,"sentiment":"neutral","sentiment_score":0.005170092219486833},{"text":"So there's all those extra little features.","start":327.47498,"end":329.25,"sentiment":"neutral","sentiment_score":0.08822721828307424},{"text":"Look, in all honesty, very interchangeable.","start":329.33,"end":331.43,"sentiment":"neutral","sentiment_score":0.16062570114930472},{"text":"But just to your point that the child builder is governed under the child advancement policy.","start":331.89,"end":338.63,"sentiment":"neutral","sentiment_score":0.11488830018788576}],"sentiment":"neutral","sentiment_score":0.08444037000932124,"num_words":46,"start":324.835,"end":338.63},{"sentences":[{"text":"So it is that the funds are specifically set aside for the best benefit of the kids.","start":338.77,"end":343.965,"sentiment":"positive","sentiment_score":0.3554839710978901},{"text":"So I think that's a good fit in this case.","start":344.04498,"end":346.145,"sentiment":"positive","sentiment_score":0.44268501698970797},{"text":"Of course.","start":350.525,"end":351.185,"sentiment":"neutral","sentiment_score":0.028973393142223358},{"text":"Absolutely.","start":368.48,"end":368.98,"sentiment":"neutral","sentiment_score":0.16058459877967834},{"text":"Absolutely.","start":369.04,"end":369.54,"sentiment":"neutral","sentiment_score":0.12379496544599532}],"sentiment":"positive","sentiment_score":0.3487872267442365,"num_words":31,"start":338.77,"end":369.54},{"sentences":[{"text":"So at 20 five, the investment bond continues.","start":369.6,"end":372.0,"sentiment":"neutral","sentiment_score":0.1836462775245309},{"text":"And to your point, there's an automatic transfer from child builder to life builder.","start":372.0,"end":376.535,"sentiment":"neutral","sentiment_score":0.15041587821074895},{"text":"And the bonds automatically continue until the children actually, you know, approach us and say that they do wanna make a redemption.","start":376.835,"end":383.955,"sentiment":"neutral","sentiment_score":0.1445147835395553},{"text":"So the the beauty of it is, and the education piece, is for the kids to keep things running for as long as possible.","start":383.955,"end":393.02,"sentiment":"neutral","sentiment_score":0.32021015509963036},{"text":"They've got time.","start":395.0,"end":395.96,"sentiment":"neutral","sentiment_score":0.1018422469496727}],"sentiment":"neutral","sentiment_score":0.20767448191911403,"num_words":71,"start":369.6,"end":395.96},{"sentences":[{"text":"Absolutely.","start":395.96,"end":396.46,"sentiment":"positive","sentiment_score":0.36303871870040894},{"text":"Absolutely.","start":396.75998,"end":397.15997,"sentiment":"neutral","sentiment_score":0.2460729479789734},{"text":"And look at those ages and look, we we obviously see some really substantial amounts being set aside for kids.","start":397.15997,"end":402.855,"sentiment":"neutral","sentiment_score":0.10867801979184151},{"text":"But I I think the largest one I saw was a $3,000,000 bond for a six or seven year old.","start":402.855,"end":408.375,"sentiment":"neutral","sentiment_score":0.04474772401154041},{"text":"So you could imagine the compound opportunity by the time and this one was using LifeBuilder, So they were actually restricting access until 30.","start":408.375,"end":416.46,"sentiment":"neutral","sentiment_score":-0.003869498541462235}],"sentiment":"neutral","sentiment_score":0.05431452390533223,"num_words":66,"start":395.96,"end":416.46},{"sentences":[{"text":"So, you know, this is that we kinda have an internal stroke of Generation Life.","start":416.46,"end":419.98,"sentiment":"neutral","sentiment_score":-0.004539650958031416},{"text":"There are trust fund babies out there, but they're actually gonna be bond fund babies out there.","start":419.98,"end":423.41998,"sentiment":"neutral","sentiment_score":0.012652730678810793},{"text":"So the beauty of it is, and and especially at these ages, after ten years, these are tax paid investments in the hands of the kids.","start":423.41998,"end":430.46503,"sentiment":"neutral","sentiment_score":0.1419827276124404},{"text":"So they're very, very tax efficient investment vehicles for the kids to maintain for for, hopefully, as long as possible.","start":430.68503,"end":437.885,"sentiment":"neutral","sentiment_score":0.2437676839530468},{"text":"And they can actually run for up to 99 years.","start":437.885,"end":440.81,"sentiment":"neutral","sentiment_score":0.09954281449317932}],"sentiment":"neutral","sentiment_score":0.11033334544415331,"num_words":88,"start":416.46,"end":440.81},{"sentences":[{"text":"So any one investment bond can actually even be passed down from one generation to another.","start":440.81,"end":444.99002,"sentiment":"neutral","sentiment_score":0.09135117684490979},{"text":"Yeah.","start":452.17,"end":452.41,"sentiment":"neutral","sentiment_score":0.017313318327069283},{"text":"Of course.","start":452.41,"end":452.895,"sentiment":"neutral","sentiment_score":0.039543457329273224},{"text":"Yep.","start":454.25497,"end":454.75497,"sentiment":"neutral","sentiment_score":0.05384581536054611},{"text":"Oh, that's amazing.","start":456.175,"end":457.07498,"sentiment":"neutral","sentiment_score":0.31285564104715985}],"sentiment":"neutral","sentiment_score":0.11088833917418252,"num_words":23,"start":440.81,"end":457.07498},{"sentences":[{"text":"No.","start":457.535,"end":457.775,"sentiment":"neutral","sentiment_score":-0.017155535519123077},{"text":"No.","start":457.775,"end":457.85498,"sentiment":"neutral","sentiment_score":-0.029548579826951027},{"text":"No.","start":457.85498,"end":458.095,"sentiment":"neutral","sentiment_score":-0.04705638438463211},{"text":"Look.","start":458.095,"end":458.41498,"sentiment":"neutral","sentiment_score":-0.03357281535863876},{"text":"That that's you know, it's it's it's not even small something.","start":458.41498,"end":460.815,"sentiment":"neutral","sentiment_score":-0.011938502546399832}],"sentiment":"neutral","sentiment_score":-0.017243789539982877,"num_words":15,"start":457.535,"end":460.815},{"sentences":[{"text":"That is a substantial amount for, you know, six and eight year olds to to then eventually come into ownership of.","start":460.815,"end":466.75497,"sentiment":"neutral","sentiment_score":-0.009636215599519866},{"text":"Absolutely.","start":470.24,"end":470.72,"sentiment":"positive","sentiment_score":0.46908366680145264},{"text":"Pleasure.","start":470.72,"end":471.22,"sentiment":"positive","sentiment_score":0.4508928060531616},{"text":"No dramas at all.","start":471.84,"end":472.96,"sentiment":"neutral","sentiment_score":0.034480854868888855},{"text":"Feel free.","start":472.96,"end":473.36,"sentiment":"neutral","sentiment_score":0.03553314134478569}],"sentiment":"neutral","sentiment_score":0.03195191887689048,"num_words":29,"start":460.815,"end":473.36},{"sentences":[{"text":"As Meryl would have said of course.","start":473.36,"end":475.84,"sentiment":"neutral","sentiment_score":0.05102662715528693},{"text":"I know as Meryl would have mentioned, I'm part of the technical team, so feel free to call me anytime, and I'm always more than happy to brainstorm scenarios.","start":475.84,"end":481.53998,"sentiment":"neutral","sentiment_score":0.15668215602636337},{"text":"Pleasure, Veronica.","start":484.12894,"end":484.94894,"sentiment":"positive","sentiment_score":0.3949324041604996},{"text":"Not a problem.","start":485.00894,"end":485.44894,"sentiment":"neutral","sentiment_score":0.1669140805800756},{"text":"You have a lovely afternoon.","start":485.44894,"end":486.54895,"sentiment":"neutral","sentiment_score":0.23741667866706848}],"sentiment":"neutral","sentiment_score":0.1604056382227851,"num_words":46,"start":473.36,"end":486.54895},{"sentences":[{"text":"Take care.","start":486.60895,"end":487.32895,"sentiment":"positive","sentiment_score":0.3746778517961502},{"text":"See you then.","start":487.32895,"end":487.96893,"sentiment":"positive","sentiment_score":0.385745773712794},{"text":"Bye.","start":487.96893,"end":488.46893,"sentiment":"neutral","sentiment_score":-0.09187838435173036}],"sentiment":"neutral","sentiment_score":0.3024524400631587,"num_words":6,"start":486.60895,"end":488.46893}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Joanna speaking.\n\nChannel 0: Good afternoon, Joanna. This is Veronica from Financial. How are you?\n\nChannel 1: Very well. Thanks for calling. How are you today?\n\nChannel 0: Good. Good. Thanks. So now we've been playing with a phone tag.\n\nChannel 1: Indeed, we have indeed.\n\nChannel 0: The reason for my call, and I think I may have worked it out, but I'll just triple check with you anyway,\n\nChannel 1: Of course.\n\nChannel 0: is that I basically have a client who is recently divorced and is putting investments for his children. So he's\n\nChannel 1: Mhmm.\n\nChannel 0: looking at doing through either through a a child investment bond for his kids or one life builder bond with the future transfer event to be split through the kids.\n\nChannel 1: Mhmm.\n\nChannel 0: And what I was kind of wanting to see is how that investment potentially would impact child support payments if you know.\n\nChannel 1: Yep. No. Look. It it this is it's a bit of a curly one because I\n\nChannel 0: Yes.\n\nChannel 1: don't really know. My royal compass sits on it, but the beauty about the investment bond is it doesn't increase his personal accessible income.\n\nChannel 0: Yes.\n\nChannel 1: So in that regard, it's actually going to minimize his child support payments. So we actually do have this adviser to utilize it as a strategy where, you know, parents, where they've, divorced, they feel that, you know, all the assets have been equitably split at this point in time. They want a very clean separation. They always wanna provide\n\nChannel 0: Yes.\n\nChannel 1: for their children, but they don't wanna increase their child support payments. So\n\nChannel 0: Yes.\n\nChannel 1: in this regard, the investment bond is a good shelter to not\n\nChannel 0: Yes.\n\nChannel 1: have to impact or increase future payments. Because, again, it's all based on personal taxable income, and\n\nChannel 0: Yes.\n\nChannel 1: the bond compounds internally, and the investment bond is the taxpayer on behalf of the father. Therefore, there's\n\nChannel 0: Yes.\n\nChannel 1: no further assessments to be made on this investment.\n\nChannel 0: You it's only wrong. If he were to take out the money\n\nChannel 1: Correct.\n\nChannel 0: for some reason before\n\nChannel 1: Exactly.\n\nChannel 0: the ten years, that's\n\nChannel 1: Exactly.\n\nChannel 0: when he will be added to the taxable income. Okay.\n\nChannel 1: Indeed.\n\nChannel 0: Future\n\nChannel 1: Indeed.\n\nChannel 0: four.\n\nChannel 1: And only then predominantly in the early years, it's a return of capital. So the 80\n\nChannel 0: Yep.\n\nChannel 1: hertz specific formula for investment bonds. So it's predominantly taking out his own capital. There'd be a nominal accessible component on which there'd be top up tax payable, and that nominal component is potentially what he would need to disclose. So that gives\n\nChannel 0: Yep.\n\nChannel 1: him financial year for the child support payments in that year.\n\nChannel 0: Okay. Beautiful. And that so now, basically, between the two options, there's no difference. It works exactly the same, like, whether that's\n\nChannel 1: It\n\nChannel 0: a\n\nChannel 1: does.\n\nChannel 0: child investment bond or life\n\nChannel 1: Correct.\n\nChannel 0: build bond.\n\nChannel 1: Yes. But\n\nChannel 0: Yep.\n\nChannel 1: what we are finding is that advisers are steering towards the life builder bond only because it doesn't have the limitations. So when we designed the estate planning features of Life Builder, we mimicked everything Child Builders could do, but we took away the limitations. So with Child Builder, the policy has to be set up for a child 16, and it has to vest between the ages of 10 and 25. And feedback from\n\nChannel 0: Yes.\n\nChannel 1: a lot of parents and grandparents was that 25 is still potentially too young to receive funds. They wanted to push it out to 30, even 40 in some instances. And it was often catching out children or grandchildren that had already turned 16, but they still wanted to be provided for. So just from an ease and flexibility perspective, the life\n\nChannel 0: Yep.\n\nChannel 1: builders,\n\nChannel 0: Yes.\n\nChannel 1: the more generic approach, they both\n\nChannel 0: Yes.\n\nChannel 1: they do the same thing. They are, you know, same investment options. Ultimately, they can be structured in a similar way. So then it sometimes\n\nChannel 0: Yes. Yes.\n\nChannel 1: even comes down to client preference.\n\nChannel 0: Yes.\n\nChannel 1: We're having the name child builder in implies that it is still the best benefit of the child. It is governed under the child advancement policy. And so\n\nChannel 0: Yep.\n\nChannel 1: there's more of a, you know, touchy feely element to it as well, you know, using that product. But again, advisors are probably steering more towards just the life builder application.\n\nChannel 0: Yeah. And that's kind of, like, where my thinking first went. The only kind of caveat in this situation is that there's consent orders in place for the provision of the children, and they\n\nChannel 1: Mhmm.\n\nChannel 0: both need to sign off on it. So having it and then the husband is the sole kind of person to manage everything. So having a life builder bond because at the moment, the money sits in both their names, and then\n\nChannel 1: Sure.\n\nChannel 0: it gets transferred.\n\nChannel 1: Yep.\n\nChannel 0: So having it go through a life build upon where the husband then has the flexibility of potentially changing things\n\nChannel 1: Yeah.\n\nChannel 0: might\n\nChannel 1: Absolutely.\n\nChannel 0: not agree\n\nChannel 1: And\n\nChannel 0: with\n\nChannel 1: and\n\nChannel 0: the wife\n\nChannel 1: exactly.\n\nChannel 0: in business.\n\nChannel 1: And it's also his individual beneficial ownership until the transfer\n\nChannel 0: Yes.\n\nChannel 1: actually occurs. So he'll have that peace of mind knowing that this is my asset. I control\n\nChannel 0: Yes.\n\nChannel 1: it. I own it. And it's when I wanna pass it down to the kids is when they're gonna receive it.\n\nChannel 0: Yes. Which in this instance, I think the other party will not agree with. So from that point of view, yes, it limits the flexibility, which I normally really like.\n\nChannel 1: Sure. Yes. Yeah.\n\nChannel 0: And this instead provides less flexibility with more certainty for the kids, I believe, before then\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: No.\n\nChannel 0: ex partner.\n\nChannel 1: It's fairly interchangeable in that regard. And what\n\nChannel 0: Okay.\n\nChannel 1: he could also consider even from, you know, having more of an active role with these funds even when he does transfer them is potentially even using a co signatory feature. So he could maybe feel that, well, because, you know, I wanna give my kids this present at the age of 21. However, I'm a little bit concerned that between the age of 21 and 30, they might not have the maturity I want them\n\nChannel 0: Mhmm.\n\nChannel 1: to have. So he could\n\nChannel 0: Mhmm.\n\nChannel 1: nominate for the future event transfer to occur at 21, but put in restricted access until 30. And any\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: withdrawals made until the thirtieth birthday, he could actually nominate himself to be co signatories so the kids would have to turn to him and say, hey,\n\nChannel 0: Yeah.\n\nChannel 1: dad. This is what I wanna use the funds for. Can we take money out of the bond? So there's all those extra little features. Look, in all honesty, very interchangeable.\n\nBut just to your point that the child builder is governed under the child advancement policy. So\n\nChannel 0: Yes.\n\nChannel 1: it is that the funds are specifically set aside for the best benefit of the kids. So I think that's a\n\nChannel 0: Yes.\n\nChannel 1: good fit in this case.\n\nChannel 0: Yes. Yes. I think so. And can I just confirm while I do have\n\nChannel 1: Of\n\nChannel 0: you\n\nChannel 1: course.\n\nChannel 0: on the phone? I think it is the case. But with the child in the bond, let's say, that's the 25, at the time, can the child decide to retain it or change it to a life builder bond for itself without it resetting the ten year time frame?\n\nChannel 1: Absolutely. Absolutely. So at\n\nChannel 0: Frame.\n\nChannel 1: 20\n\nChannel 0: Beautiful.\n\nChannel 1: five, the investment bond continues. And to your point, there's an automatic transfer from child builder to life builder. And\n\nChannel 0: Yep.\n\nChannel 1: the bonds automatically continue until the children actually, you know, approach us and say that they do wanna make a redemption. So the the beauty of it is,\n\nChannel 0: Yes.\n\nChannel 1: and the education piece, is for the kids\n\nChannel 0: Yes.\n\nChannel 1: to keep things running for as long as\n\nChannel 0: Yes. Especially because they've already they are only six and eight at the moment,\n\nChannel 1: possible.\n\nChannel 0: so they do they do have the more than 10\n\nChannel 1: They've\n\nChannel 0: years.\n\nChannel 1: got\n\nChannel 0: So\n\nChannel 1: time.\n\nChannel 0: that's fantastic.\n\nChannel 1: Absolutely. Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: And look at those ages and look, we we obviously see some really substantial amounts being set aside for kids. But I I think the\n\nChannel 0: Yes.\n\nChannel 1: largest one I saw was a $3,000,000 bond for a six or seven year old. So you could imagine the compound opportunity by the time\n\nChannel 0: Oh, yes.\n\nChannel 1: and this one was using LifeBuilder, So they were actually\n\nChannel 0: Yep.\n\nChannel 1: restricting access until 30. So, you know, this is\n\nChannel 0: Yeah.\n\nChannel 1: that we kinda have an internal stroke of Generation Life. There are trust\n\nChannel 0: Mhmm.\n\nChannel 1: fund babies out there, but they're actually gonna be\n\nChannel 0: Yeah.\n\nChannel 1: bond fund babies out there. So the beauty of it is, and and especially at these ages, after\n\nChannel 0: Mhmm.\n\nChannel 1: ten years, these are tax paid investments in the hands of the kids.\n\nChannel 0: Yes.\n\nChannel 1: So they're\n\nChannel 0: Yes.\n\nChannel 1: very, very tax efficient investment vehicles for the kids to maintain for for, hopefully,\n\nChannel 0: Yes.\n\nChannel 1: as long as possible. And they can actually\n\nChannel 0: Yeah.\n\nChannel 1: run for up to 99 years. So any one investment bond can actually even be passed down from one generation to another.\n\nChannel 0: Yeah. Oh, no. That's beautiful. It's so good. Yeah.\n\nBecause we're looking at about not that much, unfortunately, about, like, 80,000 each, And\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: Of course.\n\nChannel 0: with extra contributions\n\nChannel 1: Yep.\n\nChannel 0: and stuff, obviously, throughout the year. So\n\nChannel 1: Oh, that's\n\nChannel 0: still\n\nChannel 1: amazing.\n\nChannel 0: something.\n\nChannel 1: No. No. No. Look. That that's you know, it's it's it's not even small something.\n\nThat is a substantial amount for, you know, six and eight year olds to to then eventually come into ownership of.\n\nChannel 0: Yeah. No. That's great. Well, you've been super helpful. Thank\n\nChannel 1: Absolutely.\n\nChannel 0: you so\n\nChannel 1: Pleasure.\n\nChannel 0: much for your time.\n\nChannel 1: No dramas\n\nChannel 0: And,\n\nChannel 1: at all.\n\nChannel 0: yeah, a\n\nChannel 1: Feel\n\nChannel 0: bit\n\nChannel 1: free.\n\nChannel 0: of\n\nChannel 1: As\n\nChannel 0: phone\n\nChannel 1: Meryl would\n\nChannel 0: tag,\n\nChannel 1: have\n\nChannel 0: but\n\nChannel 1: said\n\nChannel 0: we got there.\n\nChannel 1: of course. I know as Meryl would have mentioned, I'm part of the technical team, so feel free to call me anytime, and I'm always more than happy to brainstorm scenarios.\n\nChannel 0: Amazing. You so much. I really appreciate\n\nChannel 1: Pleasure,\n\nChannel 0: that.\n\nChannel 1: Veronica. Not a\n\nChannel 0: Mhmm.\n\nChannel 1: problem. You have a lovely\n\nChannel 0: No\n\nChannel 1: afternoon.\n\nChannel 0: worries.\n\nChannel 1: Take care.\n\nChannel 0: You too.\n\nChannel 1: See you then.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.04721830040216446},{"text":"Joanna speaking.","start":1.92,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.051015034317970276}],"sentiment":"neutral","sentiment_score":0.049749456346035004,"channel":1,"num_words":3,"start":1.4399999,"end":2.8999999},{"sentences":[{"text":"Good afternoon, Joanna.","start":4.4,"end":5.44,"sentiment":"positive","sentiment_score":0.36402247349421185},{"text":"This is Veronica from Financial.","start":5.44,"end":6.74,"sentiment":"neutral","sentiment_score":0.2487746447324753},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"neutral","sentiment_score":0.22195100287596384}],"sentiment":"neutral","sentiment_score":0.272890332070264,"channel":0,"num_words":11,"start":4.4,"end":8.1},{"sentences":[{"text":"Very well.","start":8.0,"end":8.559999,"sentiment":"positive","sentiment_score":0.5524945259094238},{"text":"Thanks for calling.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.6486188371976217},{"text":"How are you today?","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.43857742846012115}],"sentiment":"positive","sentiment_score":0.5339061419169108,"channel":1,"num_words":9,"start":8.0,"end":10.0199995},{"sentences":[{"text":"Good.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.4527357220649719},{"text":"Good.","start":10.88,"end":11.2,"sentiment":"positive","sentiment_score":0.4739459156990051},{"text":"Thanks.","start":11.2,"end":11.599999,"sentiment":"positive","sentiment_score":0.4916399121284485},{"text":"So now we've been playing with a phone tag.","start":11.599999,"end":13.54,"sentiment":"neutral","sentiment_score":0.07688567290703456}],"sentiment":"neutral","sentiment_score":0.17585771717131138,"channel":0,"num_words":12,"start":10.48,"end":13.54},{"sentences":[{"text":"Indeed, we have indeed.","start":13.5199995,"end":14.98,"sentiment":"neutral","sentiment_score":0.07893971353769302}],"sentiment":"neutral","sentiment_score":0.07893971353769302,"channel":1,"num_words":4,"start":13.5199995,"end":14.98},{"sentences":[{"text":"The reason for my call, and I think I may have worked it out, but I'll just triple check with you anyway,","start":17.625,"end":22.205,"sentiment":"neutral","sentiment_score":0.0029901031574065037}],"sentiment":"neutral","sentiment_score":0.0029901031574065037,"channel":0,"num_words":22,"start":17.625,"end":22.205},{"sentences":[{"text":"Of course.","start":22.065,"end":22.725,"sentiment":"neutral","sentiment_score":-0.0010121436789631844}],"sentiment":"neutral","sentiment_score":-0.0010121436789631844,"channel":1,"num_words":2,"start":22.065,"end":22.725},{"sentences":[{"text":"is that I basically have a client who is recently divorced and is putting investments for his children.","start":23.384998,"end":35.170002,"sentiment":"neutral","sentiment_score":-0.014711494143638346},{"text":"So he's","start":35.23,"end":35.63,"sentiment":"neutral","sentiment_score":-0.003505340311676264}],"sentiment":"neutral","sentiment_score":-0.013590878760442137,"channel":0,"num_words":20,"start":23.384998,"end":35.63},{"sentences":[{"text":"Mhmm.","start":35.559998,"end":36.059998,"sentiment":"neutral","sentiment_score":-0.005310336593538523}],"sentiment":"neutral","sentiment_score":-0.005310336593538523,"channel":1,"num_words":1,"start":35.559998,"end":36.059998},{"sentences":[{"text":"looking at doing through either through a a child investment bond for his kids or one life builder bond with the future transfer event to be split through the kids.","start":35.63,"end":45.325,"sentiment":"neutral","sentiment_score":0.006616868171840906}],"sentiment":"neutral","sentiment_score":0.006616868171840906,"channel":0,"num_words":30,"start":35.63,"end":45.325},{"sentences":[{"text":"Mhmm.","start":45.725002,"end":46.225002,"sentiment":"neutral","sentiment_score":-0.021463029086589813}],"sentiment":"neutral","sentiment_score":-0.021463029086589813,"channel":1,"num_words":1,"start":45.725002,"end":46.225002},{"sentences":[{"text":"And what I was kind of wanting to see is how that investment potentially would impact child support payments if you know.","start":45.865,"end":55.245,"sentiment":"neutral","sentiment_score":-0.10631195049394261}],"sentiment":"neutral","sentiment_score":-0.10631195049394261,"channel":0,"num_words":22,"start":45.865,"end":55.245},{"sentences":[{"text":"Yep.","start":55.63,"end":56.13,"sentiment":"neutral","sentiment_score":-0.025016186758875847},{"text":"No.","start":56.19,"end":56.51,"sentiment":"neutral","sentiment_score":-0.10887117683887482},{"text":"Look.","start":56.51,"end":56.75,"sentiment":"neutral","sentiment_score":-0.0802956223487854},{"text":"It it this is it's a bit of a curly one because I","start":56.75,"end":59.79,"sentiment":"neutral","sentiment_score":-0.13449329080489966}],"sentiment":"neutral","sentiment_score":-0.12266223540063947,"channel":1,"num_words":16,"start":55.63,"end":59.79},{"sentences":[{"text":"Yes.","start":59.75,"end":60.25,"sentiment":"neutral","sentiment_score":-0.06430912017822266}],"sentiment":"neutral","sentiment_score":-0.06430912017822266,"channel":0,"num_words":1,"start":59.75,"end":60.25},{"sentences":[{"text":"don't really know.","start":59.79,"end":60.43,"sentiment":"neutral","sentiment_score":-0.1045979162057241},{"text":"My royal compass sits on it, but the beauty about the investment bond is it doesn't increase his personal accessible income.","start":60.43,"end":67.09,"sentiment":"neutral","sentiment_score":-0.02723894037661098}],"sentiment":"neutral","sentiment_score":-0.03690881235525012,"channel":1,"num_words":24,"start":59.79,"end":67.09},{"sentences":[{"text":"Yes.","start":67.67,"end":68.17,"sentiment":"neutral","sentiment_score":0.09409505128860474}],"sentiment":"neutral","sentiment_score":0.09409505128860474,"channel":0,"num_words":1,"start":67.67,"end":68.17},{"sentences":[{"text":"So in that regard, it's actually going to minimize his child support payments.","start":67.695,"end":71.775,"sentiment":"neutral","sentiment_score":0.1423649168931521},{"text":"So we actually do have this adviser to utilize it as a strategy where, you know, parents, where they've, divorced, they feel that, you know, all the assets have been equitably split at this point in time.","start":71.775,"end":83.65,"sentiment":"neutral","sentiment_score":0.16868292600721926},{"text":"They want a very clean separation.","start":83.65,"end":85.51,"sentiment":"neutral","sentiment_score":0.1941440850496292},{"text":"They always wanna provide","start":85.810005,"end":86.770004,"sentiment":"neutral","sentiment_score":0.1752823181450367}],"sentiment":"neutral","sentiment_score":0.16596676607926686,"channel":1,"num_words":60,"start":67.695,"end":86.770004},{"sentences":[{"text":"Yes.","start":86.5,"end":87.0,"sentiment":"neutral","sentiment_score":0.19686201214790344}],"sentiment":"neutral","sentiment_score":0.19686201214790344,"channel":0,"num_words":1,"start":86.5,"end":87.0},{"sentences":[{"text":"for their children, but they don't wanna increase their child support payments.","start":86.770004,"end":89.590004,"sentiment":"neutral","sentiment_score":-0.04345312326525649},{"text":"So","start":89.65,"end":90.130005,"sentiment":"neutral","sentiment_score":0.09102462232112885}],"sentiment":"neutral","sentiment_score":-0.033108681297073,"channel":1,"num_words":13,"start":86.770004,"end":90.130005},{"sentences":[{"text":"Yes.","start":90.020004,"end":90.520004,"sentiment":"neutral","sentiment_score":0.1499144732952118}],"sentiment":"neutral","sentiment_score":0.1499144732952118,"channel":0,"num_words":1,"start":90.020004,"end":90.520004},{"sentences":[{"text":"in this regard, the investment bond is a good shelter to not","start":90.130005,"end":93.83,"sentiment":"neutral","sentiment_score":0.21008900801340738}],"sentiment":"neutral","sentiment_score":0.21008900801340738,"channel":1,"num_words":12,"start":90.130005,"end":93.83},{"sentences":[{"text":"Yes.","start":93.46,"end":93.96,"sentiment":"neutral","sentiment_score":0.15291544795036316}],"sentiment":"neutral","sentiment_score":0.15291544795036316,"channel":0,"num_words":1,"start":93.46,"end":93.96},{"sentences":[{"text":"have to impact or increase future payments.","start":93.97,"end":96.465,"sentiment":"neutral","sentiment_score":0.08113389355795723},{"text":"Because, again, it's all based on personal taxable income, and","start":97.024994,"end":101.744995,"sentiment":"neutral","sentiment_score":0.09220140799880028}],"sentiment":"neutral","sentiment_score":0.08764419617021785,"channel":1,"num_words":17,"start":93.97,"end":101.744995},{"sentences":[{"text":"Yes.","start":101.695,"end":102.195,"sentiment":"neutral","sentiment_score":0.09434182941913603}],"sentiment":"neutral","sentiment_score":0.09434182941913603,"channel":0,"num_words":1,"start":101.695,"end":102.195},{"sentences":[{"text":"the bond compounds internally, and the investment bond is the taxpayer on behalf of the father.","start":101.744995,"end":107.204994,"sentiment":"neutral","sentiment_score":0.10337666235864162},{"text":"Therefore, there's","start":107.34499,"end":107.98499,"sentiment":"neutral","sentiment_score":0.10799920931458473}],"sentiment":"neutral","sentiment_score":0.10389027868707974,"channel":1,"num_words":18,"start":101.744995,"end":107.98499},{"sentences":[{"text":"Yes.","start":107.854996,"end":108.354996,"sentiment":"neutral","sentiment_score":0.11529063433408736}],"sentiment":"neutral","sentiment_score":0.11529063433408736,"channel":0,"num_words":1,"start":107.854996,"end":108.354996},{"sentences":[{"text":"no further assessments to be made on this investment.","start":107.98499,"end":110.325,"sentiment":"neutral","sentiment_score":-0.09718383641706572}],"sentiment":"neutral","sentiment_score":-0.09718383641706572,"channel":1,"num_words":9,"start":107.98499,"end":110.325},{"sentences":[{"text":"You it's only wrong.","start":111.135,"end":113.149994,"sentiment":"neutral","sentiment_score":-0.24103866517543793},{"text":"If he were to take out the 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will be added to the taxable income.","start":117.07,"end":118.909996,"sentiment":"neutral","sentiment_score":-0.041719693690538406},{"text":"Okay.","start":118.909996,"end":119.409996,"sentiment":"neutral","sentiment_score":0.0560075119137764}],"sentiment":"neutral","sentiment_score":-0.03194697313010693,"channel":0,"num_words":10,"start":117.07,"end":119.409996},{"sentences":[{"text":"Indeed.","start":118.96,"end":119.46,"sentiment":"neutral","sentiment_score":0.06143445149064064}],"sentiment":"neutral","sentiment_score":0.06143445149064064,"channel":1,"num_words":1,"start":118.96,"end":119.46},{"sentences":[{"text":"Future","start":119.46999,"end":119.869995,"sentiment":"neutral","sentiment_score":0.05370377004146576}],"sentiment":"neutral","sentiment_score":0.05370377004146576,"channel":0,"num_words":1,"start":119.46999,"end":119.869995},{"sentences":[{"text":"Indeed.","start":119.52,"end":119.92,"sentiment":"neutral","sentiment_score":0.04557980224490166}],"sentiment":"neutral","sentiment_score":0.04557980224490166,"channel":1,"num_words":1,"start":119.52,"end":119.92},{"sentences":[{"text":"four.","start":119.869995,"end":120.369995,"sentiment":"neutral","sentiment_score":0.05889005959033966}],"sentiment":"neutral","sentiment_score":0.05889005959033966,"channel":0,"num_words":1,"start":119.869995,"end":120.369995},{"sentences":[{"text":"And only then predominantly in the early years, it's a return of capital.","start":119.92,"end":123.44,"sentiment":"neutral","sentiment_score":0.06054562186965576},{"text":"So the 80","start":123.44,"end":124.159996,"sentiment":"neutral","sentiment_score":0.10872011631727219}],"sentiment":"neutral","sentiment_score":0.06957833957858384,"channel":1,"num_words":16,"start":119.92,"end":124.159996},{"sentences":[{"text":"Yep.","start":124.03,"end":124.53,"sentiment":"neutral","sentiment_score":0.1143862158060074}],"sentiment":"neutral","sentiment_score":0.1143862158060074,"channel":0,"num_words":1,"start":124.03,"end":124.53},{"sentences":[{"text":"hertz specific formula for investment bonds.","start":124.159996,"end":127.125,"sentiment":"neutral","sentiment_score":0.10173928365111351},{"text":"So it's predominantly taking out his own capital.","start":127.285,"end":129.365,"sentiment":"neutral","sentiment_score":0.06538400426506996},{"text":"There'd be a nominal accessible component on which there'd be top up tax payable, and that nominal component is potentially what he would need to disclose.","start":129.365,"end":137.945,"sentiment":"neutral","sentiment_score":0.059813119327792756},{"text":"So that gives","start":138.245,"end":138.885,"sentiment":"neutral","sentiment_score":0.12326887746651967}],"sentiment":"neutral","sentiment_score":0.07112687141742817,"channel":1,"num_words":43,"start":124.159996,"end":138.885},{"sentences":[{"text":"Yep.","start":138.725,"end":139.05,"sentiment":"neutral","sentiment_score":0.0954107865691185}],"sentiment":"neutral","sentiment_score":0.0954107865691185,"channel":0,"num_words":1,"start":138.725,"end":139.05},{"sentences":[{"text":"him financial year for the child support payments in that year.","start":138.885,"end":141.865,"sentiment":"neutral","sentiment_score":0.11909640174020421}],"sentiment":"neutral","sentiment_score":0.11909640174020421,"channel":1,"num_words":11,"start":138.885,"end":141.865},{"sentences":[{"text":"Okay.","start":142.17,"end":142.49,"sentiment":"neutral","sentiment_score":0.33307963609695435},{"text":"Beautiful.","start":142.49,"end":142.99,"sentiment":"positive","sentiment_score":0.5898706912994385},{"text":"And that so now, basically, between the two options, there's no difference.","start":143.05,"end":146.01001,"sentiment":"neutral","sentiment_score":0.20856653340160847},{"text":"It works exactly the same, like, whether 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life","start":148.01001,"end":149.77,"sentiment":"neutral","sentiment_score":0.03465187810361385}],"sentiment":"neutral","sentiment_score":0.03465187810361385,"channel":0,"num_words":5,"start":148.01001,"end":149.77},{"sentences":[{"text":"Correct.","start":149.77,"end":150.27,"sentiment":"neutral","sentiment_score":0.08660587668418884}],"sentiment":"neutral","sentiment_score":0.08660587668418884,"channel":1,"num_words":1,"start":149.77,"end":150.27},{"sentences":[{"text":"build 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The agent explains that the investment bond is a good strategy for removing child support payments and that advisers are more towards the life builder bond. The policy has to be set up for a child between 10 and 25 years old to vest between 10 and 25 years. The program is tax-efficient for children and parents, and is interchangeable for restricted access until 30. The program is tax-efficient for children and parents, and is tax-efficient for parents."},"intents":{"segments":[{"text":"is that I basically have a client who is recently divorced and is putting investments for his children. So he's Mhmm. looking at doing through either through a a child investment bond for his kids or one life builder bond with the future transfer event to be split through the kids.","start_word":63,"end_word":113,"intents":[{"intent":"Discuss investment options","confidence_score":0.25957015}]},{"text":"There'd be a nominal accessible component on which there'd be top up tax payable, and that nominal component is potentially what he would need to disclose. So that gives Yep.","start_word":381,"end_word":410,"intents":[{"intent":"Calculate capital and tax payable components","confidence_score":1.4152979e-8}]},{"text":"there's more of a, you know, touchy feely element to it as well, you know, using that product. But again, advisors are probably steering more towards just the life builder application. Yeah.","start_word":670,"end_word":701,"intents":[{"intent":"Guide product development","confidence_score":0.0015110831}]},{"text":"This is what I wanna use the funds for. Can we take money out of the bond? So there's all those extra little features. Look, in all honesty, very interchangeable. But just to your point that the child builder is governed under the child advancement policy. So Yes. it is that the funds are specifically set aside for the best benefit of the kids. So I think that's a Yes. good fit in this case. Yes. Yes.","start_word":1061,"end_word":1137,"intents":[{"intent":"Confirm funds use","confidence_score":0.00037924328}]},{"text":"So the beauty of it is, and and especially at these ages, after Mhmm. ten years, these are tax paid investments in the hands of the kids. Yes.","start_word":1414,"end_word":1441,"intents":[{"intent":"Educate about growth opportunities","confidence_score":0.0000021960752}]}]},"sentiments":{"segments":[{"text":"Hello. Joanna speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0497494600713253},{"text":"Good afternoon, Joanna.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3619421422481537},{"text":"This is Veronica from Financial. How are you?","start_word":6,"end_word":13,"sentiment":"neutral","sentiment_score":0.23245352506637573},{"text":"Very well. Thanks for calling. How are you today? Good. Good. Thanks.","start_word":14,"end_word":25,"sentiment":"positive","sentiment_score":0.5097006559371948},{"text":"So now we've been playing with a phone tag. Indeed, we have indeed. The reason for my call, and I think I may have worked it out, but I'll just triple check with you anyway, Of course. is that I basically have a client who is recently divorced and is putting investments for his children. So he's Mhmm. looking at doing through either through a a child investment bond for his kids or one life builder bond with the future transfer event to be split through the kids. Mhmm. And what I was kind of wanting to see is how that investment potentially would impact child support payments if you know. Yep. No. Look. It it this is it's a bit of a curly one because I Yes. don't really know. My royal compass sits on it, but the beauty about the investment bond is it doesn't increase his personal accessible income. Yes. So in that regard, it's actually going to minimize his child support payments. So we actually do have this adviser to utilize it as a strategy where, you know, parents, where they've, divorced, they feel that, you know, all the assets have been equitably split at this point in time. They want a very clean separation. They always wanna provide Yes. for their children, but they don't wanna increase their child support payments. So Yes. in this regard, the investment bond is a good shelter to not Yes. have to impact or increase future payments. Because, again, it's all based on personal taxable income, and Yes. the bond compounds internally, and the investment bond is the taxpayer on behalf of the father. Therefore, there's Yes. no further assessments to be made on this investment. You it's only wrong. If he were to take out the money Correct. for some reason before Exactly. the ten years, that's Exactly. when he will be added to the taxable income. Okay. Indeed. Future Indeed. four. And only then predominantly in the early years, it's a return of capital. So the 80 Yep. hertz specific formula for investment bonds. So it's predominantly taking out his own capital. There'd be a nominal accessible component on which there'd be top up tax payable, and that nominal component is potentially what he would need to disclose. So that gives Yep. him financial year for the child support payments in that year. Okay.","start_word":26,"end_word":422,"sentiment":"neutral","sentiment_score":0.03342315291877958},{"text":"Beautiful.","start_word":423,"end_word":423,"sentiment":"positive","sentiment_score":0.5898706912994385},{"text":"And that so now, basically, between the two options, there's no difference. It works exactly the same, like, whether that's It a child does. investment bond or life build Correct. bond. Yes. But Yep. what we are finding is that advisers are steering towards the life builder bond only because it doesn't have the limitations. So when we designed the estate planning features of Life Builder, we mimicked everything Child Builders could do, but we took away the limitations. So with Child Builder, the policy has to be set up for a child 16, and it has to vest between the ages of 10 and 25. And feedback from Yes. a lot of parents and grandparents was that 25 is still potentially too young to receive funds. They wanted to push it out to 30, even 40 in some instances. And it was often catching out children or grandchildren that had already turned 16, but they still wanted to be provided for. So just from an ease and flexibility perspective, the life Yep. builders, Yes. the more generic approach, they both Yes. they do the same thing. They are, you know, same investment options. Ultimately, they can be structured in a similar way. So then it sometimes Yes. Yes. even comes down to client preference. Yes. We're having the name child builder in implies that it is still the best benefit of the child. It is governed under the child advancement policy. And so Yep. there's more of a, you know, touchy feely element to it as well, you know, using that product. But again, advisors are probably steering more towards just the life builder application. Yeah. And that's kind of, like, where my thinking first went. The only kind of caveat in this situation is that there's consent orders in place for the provision of the children, and they Mhmm. both need to sign off on it. So having it and then the husband is the sole kind of person to manage everything. So having a life builder bond because at the moment, the money sits in both their names, and then Sure. it gets transferred. Yep. So having it go through a life build upon where the husband then has the flexibility of potentially changing things Yeah. might Absolutely. not agree And with and the wife exactly. in business. And it's also his individual beneficial ownership until the transfer Yes. actually occurs.","start_word":424,"end_word":827,"sentiment":"neutral","sentiment_score":0.07173317543687391},{"text":"So he'll have that peace of mind knowing that this is my asset.","start_word":828,"end_word":840,"sentiment":"positive","sentiment_score":0.33802077174186707},{"text":"I control Yes. it. I own it. And it's when I wanna pass it down to the kids is when they're gonna receive it. Yes.","start_word":841,"end_word":865,"sentiment":"neutral","sentiment_score":0.16109271347522736},{"text":"Which in this instance, I think the other party will not agree with. So from that point of view, yes, it limits the flexibility, which I normally really like.","start_word":866,"end_word":894,"sentiment":"negative","sentiment_score":-0.3542311489582062},{"text":"Sure. Yes. Yeah. And this instead provides less flexibility with more certainty for the kids, I believe, before then No. the No. ex partner. It's fairly interchangeable in that regard. And what Okay. he could also consider even from, you know, having more of an active role with these funds even when he does transfer them is potentially even using a co signatory feature. So he could maybe feel that, well, because, you know, I wanna give my kids this present at the age of 21.","start_word":895,"end_word":980,"sentiment":"neutral","sentiment_score":0.03076816163957119},{"text":"However, I'm a little bit concerned that between the age of 21 and 30, they might not have the maturity I want them Mhmm.","start_word":981,"end_word":1004,"sentiment":"negative","sentiment_score":-0.35137033462524414},{"text":"to have. So he could Mhmm. nominate for the future event transfer to occur at 21, but put in restricted access until 30. And any Mhmm. Yep. withdrawals made until the thirtieth birthday, he could actually nominate himself to be co signatories so the kids would have to turn to him and say, hey, Yeah. dad. This is what I wanna use the funds for. Can we take money out of the bond? So there's all those extra little features. Look, in all honesty, very interchangeable. But just to your point that the child builder is governed under the child advancement policy. So Yes.","start_word":1005,"end_word":1108,"sentiment":"neutral","sentiment_score":0.06442186465630165},{"text":"it is that the funds are specifically set aside for the best benefit of the kids. So I think that's a Yes. good fit in this case.","start_word":1109,"end_word":1135,"sentiment":"positive","sentiment_score":0.4001159071922302},{"text":"Yes. Yes. I think so. And can I just confirm while I do have Of you course. on the phone? I think it is the case. But with the child in the bond, let's say, that's the 25, at the time, can the child decide to retain it or change it to a life builder bond for itself without it resetting the ten year time frame? Absolutely. Absolutely. So at Frame. 20 Beautiful. five, the investment bond continues. And to your point, there's an automatic transfer from child builder to life builder. And Yep. the bonds automatically continue until the children actually, you know, approach us and say that they do wanna make a redemption.","start_word":1136,"end_word":1250,"sentiment":"neutral","sentiment_score":0.09337145835161208},{"text":"So the the beauty of it is, Yes.","start_word":1251,"end_word":1258,"sentiment":"positive","sentiment_score":0.3532904386520386},{"text":"and the education piece, is for the kids Yes. to keep things running for as long as Yes. Especially because they've already they are only six and eight at the moment, possible. so they do they do have the more than 10 They've years. got So time.","start_word":1259,"end_word":1305,"sentiment":"neutral","sentiment_score":0.16566289961338043},{"text":"that's fantastic. Absolutely.","start_word":1306,"end_word":1308,"sentiment":"positive","sentiment_score":0.5110449194908142},{"text":"Absolutely. Yep. And look at those ages and look, we we obviously see some really substantial amounts being set aside for kids. But I I think the Yes. largest one I saw was a $3,000,000 bond for a six or seven year old. So you could imagine the compound opportunity by the time Oh, yes. and this one was using LifeBuilder, So they were actually Yep. restricting access until 30. So, you know, this is Yeah. that we kinda have an internal stroke of Generation Life. There are trust Mhmm. fund babies out there, but they're actually gonna be Yeah. bond fund babies out there. So the beauty of it is, and and especially at these ages, after Mhmm. ten years, these are tax paid investments in the hands of the kids. Yes. So they're Yes. very, very tax efficient investment vehicles for the kids to maintain for for, hopefully, Yes. as long as possible. And they can actually Yeah. run for up to 99 years. So any one investment bond can actually even be passed down from one generation to another. Yeah. Oh, no.","start_word":1309,"end_word":1493,"sentiment":"neutral","sentiment_score":0.08275108583070137},{"text":"That's beautiful. It's so good.","start_word":1494,"end_word":1498,"sentiment":"positive","sentiment_score":0.5207639932632446},{"text":"Yeah. Because we're looking at about not that much, unfortunately, about, like, 80,000 each, And Yeah. then Of course. with extra contributions Yep. and stuff, obviously, throughout the year. So Oh, that's still amazing. something. No. No. No. Look. That that's you know, it's it's it's not even small something. That is a substantial amount for, you know, six and eight year olds to to then eventually come into ownership of. Yeah. No. That's great.","start_word":1499,"end_word":1573,"sentiment":"neutral","sentiment_score":0.0395524688065052},{"text":"Well, you've been super helpful. Thank Absolutely. you so Pleasure.","start_word":1574,"end_word":1583,"sentiment":"positive","sentiment_score":0.45497599244117737},{"text":"much for your time. No dramas And, at all. yeah, a Feel bit free. of As phone Meryl would tag, have but said we got there. of course. I know as Meryl would have mentioned, I'm part of the technical team, so feel free to call me anytime, and I'm always more than happy to brainstorm scenarios.","start_word":1584,"end_word":1640,"sentiment":"neutral","sentiment_score":0.1152861714363098},{"text":"Amazing. You so much. I really appreciate Pleasure, that.","start_word":1641,"end_word":1649,"sentiment":"positive","sentiment_score":0.5655549168586731},{"text":"Veronica. Not a Mhmm. problem. You have a lovely No afternoon. worries.","start_word":1650,"end_word":1661,"sentiment":"neutral","sentiment_score":0.16071155667304993},{"text":"Take care. You too. See you then.","start_word":1662,"end_word":1668,"sentiment":"positive","sentiment_score":0.3808852434158325},{"text":"Bye. Bye.","start_word":1669,"end_word":1670,"sentiment":"neutral","sentiment_score":0.1614972949028015}],"average":{"sentiment":"neutral","sentiment_score":0.07922726393272282}}}}