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I'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing. Do you still have a bit of time for me? Perfect. Perfect. So just before I jump into it, usual process, are you okay for the call to be recorded? Amazing. For the security of your account, I am registered with ASIC as Adviser1273105. Are you okay to confirm your date of birth and address, please? Sensational. Thank you so much for that, Kelly. I've just been going through the notes on your file from previous conversations in your recent call with us, and it looks like you've actually gone through and completed an echocardiogram. Is that correct? Yep. Amazing. Yeah. Yeah. Perfect. Perfect. So, yeah, when we go through an insurance application and we put down that there's been, like, recent investigations, they will likely do a PMAR, p m a r, which is a doctor's report request through to the attending medical professional. So we could definitely take down, like, GP and specialist details, and they can shoot that off in the background and get all that information once we've submitted an application, if that makes sense. Yep. Outside of that, we do have some sort of preliminary checks that we were looking at, so the types and amounts of cover we were going to apply for. Do you mind if I just check if that's still accurate for you? Cool. So we were kind of looking at about a million dollars worth of life and total disability insurance really to cover off all of the debts and liabilities. So I think we had, like, a mortgage of about 850,000, a little bit of an investment property loan for $2.90, and it was really just clear all the debts. Yep. We were looking at some income protection, which maxes out at 70% of your income. And just double checking that, last check was a 145,000 per year was the income. Yep. We were going to do quotes for a ninety day waiting period and a five year benefit period. So the whole trade off there was make the premiums a little bit more affordable, but you'd have to kind of look after yourself for a couple of months with some savings and things like that, which you did have quite a bit in your offset at the time. Cool. Five year benefit period kind of being a good middle grounds where it'll cover you for short and medium term illness and injury with income replacement. And if anything goes longer than five years, it'll likely be a TBD claim for that full lump sum. K. Does that sound appropriate? Brilliant. The only one we weren't going for was, like, trauma insurance, which is out of pocket only for, like, heart attack, stroke, and cancer. We were really just trying to get the three covers that can go through your superannuation. K? I'm just gonna quickly check the details that we have in case it's changed, but you're still your occupation hasn't changed from the sales and marketing manager. Perfect. You've got private health insurance. I think BMI was fine. Nonsmokers still? Perfect. Outside of that, because that echocardiogram was more I believe it was just an investigation for, like, extended family just to make sure that it wasn't linking in with family history. Is that right? Yep. Was there any other diagnoses that you'd had previously in terms of an illness or an injury? K. Any current health concerns? Yep. Amazing. Yep. Low dose medication for six months. Now when it comes to cholesterol and blood pressure, they usually like to get some readings for that and just make sure it is stable levels. Have you had any recent tests that have come back as stable? Doctor and cardiologist would have that. Perfect. Now one of the things that we can do is if that's all looking pretty good, we can always just finalize an advice document to run through with you, make sure you're happy, and organize an application. And then we basically let the insurers shoot that off to the doctors and come back through their underwriting process with an outcome of whether it'll be standard across the board, if there's gonna be any loadings or exclusions due to, like, the cholesterol and blood pressure. Or we can do, like, a bit of an anonymous pre assessment where we get the detail from you and then call the insurers and kind of double check what the likely outcome will be. So I'm happy to be guided by you on that, which way you'd prefer to go. So the safest way is to pre assess it, but it does mean kind of going through those medical questions in-depth for about twenty minutes on a recorded line with Jack, one of my implementers. That's the safest way to do it. Or if we're comfortable to kind of just shoot the shot, so to speak, we should get back a reasonable outcome. But it's just about how safe we wanna be about it. K. Amazing. I'm just checking my notes from previous calls to see if there was anything else we were doing because we were obviously going to factor in the premiums on the impact it would have on your super, make sure that's not too expensive. We've got, you know, a debt income replacements. We had a bit of a standard retirement goal using the government figures to kind of project it against. And if you were happy, we were kind of just gonna do a ten year impact because retirement is still so far away for you. Outside of that, I don't believe there was anything else we were kind of changing at this point. Was there any other advice that you felt like you wanted to talk about? Oh, that's right. End of financial year. Yeah. Cool. So two quick areas there. If you're on a 145,000 and they're giving you the standard 12%, that will give you sorry. I'm just gonna do a double calculation here. Alright. So the standard 12% puts you at about 17,400, and the cap is for this financial year, 30,000. It's about to go up next financial year. So what that kind of leaves you with safely, about 10 or $12 that could go in as a bit of a lump sum, and that gets claimed. The full 37 percent would be kind of claimed via tax return. And then when the money goes into super, they will take out the 15% super tax. Your net benefit is the the the difference between the two, the 22%, but you would get the full chunk back, basically a third. Yes. So the bring forward rule clicks back five financial years in not including this financial year. So this financial year is also on its own. Your myGov account will actually give you a full breakdown and a a total estimate going back five financial years. So if you do have the ability to get into your myGov account on the ATO section, there is a super button that will give you the exact figures. Now I can kind of guide you through that if you like. And, look, no rush. If you do have a couple of minutes, I do remember the buttons to press to get on there, but I can even go into my own login as well and kind of guide you through it. Yep. That's the one. Yeah. This is always the way. So above that, we've got there's a little menu button at the top left. And when you get that menu, there's a super button, and it should come up with fund details, information, and manage. Can you see those? If you hit the middle one, which is information, you'll see about halfway down, carry forward concessional contributions. K? Once you do that, it should list 2526 financial year. It will tell you total super balance, and below that, it should have a green bubble saying eligible and the total amount of eligibility. 63,000. And can you give me the exact there, please? 63 and 4¢. Perfect. So that is lump sum available going backwards, including that other 12,000 for this financial year separate to that. So you could do technically 75,000. And the way that kind of breaks down just so you can see is there's a show details button in the white section, and it basically breaks down each year the total cap, total contributions, and then for every year under it, it says what the cap was, what you put in, and what was unused for each year. That's yeah. I was just gonna say it's more for if you have to do a rolling amount, like if you wanted to salary sacrifice weekly to try and tick this off one, two, three, four, five years, it becomes very important to look at the details of every single year. If you're just doing a lump sum, that total at the top is perfectly fine. Oh, so that is a fantastic question. Putting in that amenity of super is gonna have a huge impact on both your taxes and also on your retirement growth, but there's two trade offs. What else could that money be used for in terms of mortgage, other cash flow goals that you might need it for? Is there anything important for you guys? Because I know we're gonna you're gonna look at a pretty big renovation for the backyard, which is gonna be a pretty big one. Yep. Yep. And the last thing to check is your your tax brackets. So, basically, the if you're on a 145,000, the first 10,000 is gonna have the most impact because that's your 37 percent plus Medicare bracket. Then anything between 45 and a 135 is that 32% bracket. So it pretty much gives you, if you wanted to go to the full maximum impact possible, if I go a 140 well, technically, that's flat figures, a $100,000 of some pretty good benefit that you could do. So, yes, if you got that 70 something in there, you would get a pretty good tax savings across the board and pretty big impact on the super. Again, renovations and things like that too. And I'm just double checking your balance as well. But does that kinda make sense? And I've just got your Hub twenty four account open because there's also of course, anything you put in soup is locked away until preservation age, so you've gotta be okay to be without it. We've got you're at 438,000 at the moment, which is a pretty healthy balance, to be honest. And just looking at risk level, yep, a lot of growth assets, so some pretty high long term returns there. Really good contributions coming in. The last thing I'm gonna check is time frames for two seconds. So we are getting to that last last period here. Were you kind of aiming for, like, earlier retirement towards age 60, or are we still kind of aiming for that fifteen years closer to the age pension age? Would you consider I'm looking at your your mortgage level. Do you think it's pretty accurate that you'll have that mortgage finished off by yep. Yeah. So what I might do, would it be helpful, I'm going to update your advice document for the insurances, and I'll add in that 12,000 of concessional contributions. I'll do a projection there and kind of base it against that retirement goal and give you a bit of an indication of what that looks like. Now I am going on paternity leave in June. Got her daughter on the way. The two boys are very excited. So I really wanna get this organized with you before I go because that'll chop up the end of financial year quite quickly. So the two things to keep in mind is that we need to make sure any contributions are received by the fund before June 30. And, you know, yep, and once that's in there, we will help you with a notice of intent to claim form where we pretty much fill out. You've put in 12. We're gonna claim all 12, submit that with your signature to the fund. They then code that to the tax office as long as that's been accepted and you get an acceptance letter back before you submit your tax return. I know some people, July 1, will submit it, like, a day later. Just we're just gonna make sure that comes back first. K? I'll put all of that in the document. Would you like to maybe just wait a week or so, and I'll walk you through that document in-depth, and we'll kind of do it all alongside each other. Would that be easier? Yeah. Perfect. And, again, I'll update that projection against the retirement goal. If you wanna go a little bit above that with the carry forward to try and ensure that you reach the goal, we can have that discussion too. But I just wanna give you a good baseline for what you're looking at. Awesome. Any questions for me, Kelly? Yeah. So I think the best one to go about it, if it's okay for you, is I can book you in a time for the pre assessment now, and then we'll have done the research in the backgrounds, put together that document, and the team can book you in for the following week to just finalize the advice and implement it, if that's okay. Now we do have quite a bit of late night availability if that helps, but what would be a good day and time for you? Okay. Alright. I'll try and keep it to, again, less than half an hour just to get those details, and we'll run off and do our phone calls around the industry. You are in New South Wales, and I'm assuming we don't have daylight savings now. Thank gosh for that. So it's almost 01:00 your time. Perfect. Alrighty. I believe best days. Could we potentially could we potentially do Thursday? K. I could do any time in the afternoon. Three thirty. Done. Yep. Three thirty or 04:00. What we can do is we'll send you a text reminder and, like, a confirmation of the booking. If you need to adjust that by half an hour, just let us know. We're pretty flexible. Yep. And I'll get basically 80% of the plan done before then. We'll double check some of the medical side of things, and we can finalize all that together the following week, and then you are good to go. Awesome, Kelly. You have a fantastic weekend, and we'll talk to you next week. Thank you. 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afternoon, Kelly. It's Tommy here, senior adviser from Oakview. How are you going? I'm doing absolutely fantastic. Thank you for asking.\n\nI'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing. Do you still have a bit of time for me? Perfect. Perfect. So just before I jump into it, usual process, are you okay for the call to be recorded?\n\nAmazing. For the security of your account, I am registered with ASIC as Adviser1273105. Are you okay to confirm your date of birth and address, please? Sensational. Thank you so much for that, Kelly.\n\nI've just been going through the notes on your file from previous conversations in your recent call with us, and it looks like you've actually gone through and completed an echocardiogram. Is that correct? Yep. Amazing. Yeah.\n\nYeah. Perfect. Perfect. So, yeah, when we go through an insurance application and we put down that there's been, like, recent investigations, they will likely do a PMAR, p m a r, which is a doctor's report request through to the attending medical professional. So we could definitely take down, like, GP and specialist details, and they can shoot that off in the background and get all that information once we've submitted an application, if that makes sense.\n\nYep. Outside of that, we do have some sort of preliminary checks that we were looking at, so the types and amounts of cover we were going to apply for. Do you mind if I just check if that's still accurate for you? Cool. So we were kind of looking at about a million dollars worth of life and total disability insurance really to cover off all of the debts and liabilities.\n\nSo I think we had, like, a mortgage of about 850,000, a little bit of an investment property loan for $2.90, and it was really just clear all the debts. Yep. We were looking at some income protection, which maxes out at 70% of your income. And just double checking that, last check was a 145,000 per year was the income. Yep.\n\nWe were going to do quotes for a ninety day waiting period and a five year benefit period. So the whole trade off there was make the premiums a little bit more affordable, but you'd have to kind of look after yourself for a couple of months with some savings and things like that, which you did have quite a bit in your offset at the time. Cool. Five year benefit period kind of being a good middle grounds where it'll cover you for short and medium term illness and injury with income replacement. And if anything goes longer than five years, it'll likely be a TBD claim for that full lump sum.\n\nK. Does that sound appropriate? Brilliant. The only one we weren't going for was, like, trauma insurance, which is out of pocket only for, like, heart attack, stroke, and cancer. We were really just trying to get the three covers that can go through your superannuation.\n\nK? I'm just gonna quickly check the details that we have in case it's changed, but you're still your occupation hasn't changed from the sales and marketing manager. Perfect. You've got private health insurance. I think BMI was fine.\n\nNonsmokers still? Perfect. Outside of that, because that echocardiogram was more I believe it was just an investigation for, like, extended family just to make sure that it wasn't linking in with family history. Is that right? Yep.\n\nWas there any other diagnoses that you'd had previously in terms of an illness or an injury? K. Any current health concerns? Yep. Amazing.\n\nYep. Low dose medication for six months. Now when it comes to cholesterol and blood pressure, they usually like to get some readings for that and just make sure it is stable levels. Have you had any recent tests that have come back as stable? Doctor and cardiologist would have that.\n\nPerfect. Now one of the things that we can do is if that's all looking pretty good, we can always just finalize an advice document to run through with you, make sure you're happy, and organize an application. And then we basically let the insurers shoot that off to the doctors and come back through their underwriting process with an outcome of whether it'll be standard across the board, if there's gonna be any loadings or exclusions due to, like, the cholesterol and blood pressure. Or we can do, like, a bit of an anonymous pre assessment where we get the detail from you and then call the insurers and kind of double check what the likely outcome will be. So I'm happy to be guided by you on that, which way you'd prefer to go.\n\nSo the safest way is to pre assess it, but it does mean kind of going through those medical questions in-depth for about twenty minutes on a recorded line with Jack, one of my implementers. That's the safest way to do it. Or if we're comfortable to kind of just shoot the shot, so to speak, we should get back a reasonable outcome. But it's just about how safe we wanna be about it. K.\n\nAmazing. I'm just checking my notes from previous calls to see if there was anything else we were doing because we were obviously going to factor in the premiums on the impact it would have on your super, make sure that's not too expensive. We've got, you know, a debt income replacements. We had a bit of a standard retirement goal using the government figures to kind of project it against. And if you were happy, we were kind of just gonna do a ten year impact because retirement is still so far away for you.\n\nOutside of that, I don't believe there was anything else we were kind of changing at this point. Was there any other advice that you felt like you wanted to talk about? Oh, that's right. End of financial year. Yeah.\n\nCool. So two quick areas there. If you're on a 145,000 and they're giving you the standard 12%, that will give you sorry. I'm just gonna do a double calculation here. Alright.\n\nSo the standard 12% puts you at about 17,400, and the cap is for this financial year, 30,000. It's about to go up next financial year. So what that kind of leaves you with safely, about 10 or $12 that could go in as a bit of a lump sum, and that gets claimed. The full 37 percent would be kind of claimed via tax return. And then when the money goes into super, they will take out the 15% super tax.\n\nYour net benefit is the the the difference between the two, the 22%, but you would get the full chunk back, basically a third. Yes. So the bring forward rule clicks back five financial years in not including this financial year. So this financial year is also on its own. Your myGov account will actually give you a full breakdown and a a total estimate going back five financial years.\n\nSo if you do have the ability to get into your myGov account on the ATO section, there is a super button that will give you the exact figures. Now I can kind of guide you through that if you like. And, look, no rush. If you do have a couple of minutes, I do remember the buttons to press to get on there, but I can even go into my own login as well and kind of guide you through it. Yep.\n\nThat's the one. Yeah. This is always the way. So above that, we've got there's a little menu button at the top left. And when you get that menu, there's a super button, and it should come up with fund details, information, and manage.\n\nCan you see those? If you hit the middle one, which is information, you'll see about halfway down, carry forward concessional contributions. K? Once you do that, it should list 2526 financial year. It will tell you total super balance, and below that, it should have a green bubble saying eligible and the total amount of eligibility.\n\n63,000. And can you give me the exact there, please? 63 and 4¢. Perfect. So that is lump sum available going backwards, including that other 12,000 for this financial year separate to that.\n\nSo you could do technically 75,000. And the way that kind of breaks down just so you can see is there's a show details button in the white section, and it basically breaks down each year the total cap, total contributions, and then for every year under it, it says what the cap was, what you put in, and what was unused for each year. That's yeah. I was just gonna say it's more for if you have to do a rolling amount, like if you wanted to salary sacrifice weekly to try and tick this off one, two, three, four, five years, it becomes very important to look at the details of every single year. If you're just doing a lump sum, that total at the top is perfectly fine.\n\nOh, so that is a fantastic question. Putting in that amenity of super is gonna have a huge impact on both your taxes and also on your retirement growth, but there's two trade offs. What else could that money be used for in terms of mortgage, other cash flow goals that you might need it for? Is there anything important for you guys? Because I know we're gonna you're gonna look at a pretty big renovation for the backyard, which is gonna be a pretty big one.\n\nYep. Yep. And the last thing to check is your your tax brackets. So, basically, the if you're on a 145,000, the first 10,000 is gonna have the most impact because that's your 37 percent plus Medicare bracket. Then anything between 45 and a 135 is that 32% bracket.\n\nSo it pretty much gives you, if you wanted to go to the full maximum impact possible, if I go a 140 well, technically, that's flat figures, a $100,000 of some pretty good benefit that you could do. So, yes, if you got that 70 something in there, you would get a pretty good tax savings across the board and pretty big impact on the super. Again, renovations and things like that too. And I'm just double checking your balance as well. But does that kinda make sense?\n\nAnd I've just got your Hub twenty four account open because there's also of course, anything you put in soup is locked away until preservation age, so you've gotta be okay to be without it. We've got you're at 438,000 at the moment, which is a pretty healthy balance, to be honest. And just looking at risk level, yep, a lot of growth assets, so some pretty high long term returns there. Really good contributions coming in. The last thing I'm gonna check is time frames for two seconds.\n\nSo we are getting to that last last period here. Were you kind of aiming for, like, earlier retirement towards age 60, or are we still kind of aiming for that fifteen years closer to the age pension age? Would you consider I'm looking at your your mortgage level. Do you think it's pretty accurate that you'll have that mortgage finished off by yep. Yeah.\n\nSo what I might do, would it be helpful, I'm going to update your advice document for the insurances, and I'll add in that 12,000 of concessional contributions. I'll do a projection there and kind of base it against that retirement goal and give you a bit of an indication of what that looks like. Now I am going on paternity leave in June. Got her daughter on the way. The two boys are very excited.\n\nSo I really wanna get this organized with you before I go because that'll chop up the end of financial year quite quickly. So the two things to keep in mind is that we need to make sure any contributions are received by the fund before June 30. And, you know, yep, and once that's in there, we will help you with a notice of intent to claim form where we pretty much fill out. You've put in 12. We're gonna claim all 12, submit that with your signature to the fund.\n\nThey then code that to the tax office as long as that's been accepted and you get an acceptance letter back before you submit your tax return. I know some people, July 1, will submit it, like, a day later. Just we're just gonna make sure that comes back first. K? I'll put all of that in the document.\n\nWould you like to maybe just wait a week or so, and I'll walk you through that document in-depth, and we'll kind of do it all alongside each other. Would that be easier? Yeah. Perfect. And, again, I'll update that projection against the retirement goal.\n\nIf you wanna go a little bit above that with the carry forward to try and ensure that you reach the goal, we can have that discussion too. But I just wanna give you a good baseline for what you're looking at. Awesome. Any questions for me, Kelly? Yeah.\n\nSo I think the best one to go about it, if it's okay for you, is I can book you in a time for the pre assessment now, and then we'll have done the research in the backgrounds, put together that document, and the team can book you in for the following week to just finalize the advice and implement it, if that's okay. Now we do have quite a bit of late night availability if that helps, but what would be a good day and time for you? Okay. Alright. I'll try and keep it to, again, less than half an hour just to get those details, and we'll run off and do our phone calls around the industry.\n\nYou are in New South Wales, and I'm assuming we don't have daylight savings now. Thank gosh for that. So it's almost 01:00 your time. Perfect. Alrighty.\n\nI believe best days. Could we potentially could we potentially do Thursday? K. I could do any time in the afternoon. Three thirty.\n\nDone. Yep. Three thirty or 04:00. What we can do is we'll send you a text reminder and, like, a confirmation of the booking. If you need to adjust that by half an hour, just let us know.\n\nWe're pretty flexible. Yep. And I'll get basically 80% of the plan done before then. We'll double check some of the medical side of things, and we can finalize all that together the following week, and then you are good to go. Awesome, Kelly.\n\nYou have a fantastic weekend, and we'll talk to you next week. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kelly.","start":3.12,"end":4.08,"sentiment":"neutral","sentiment_score":0.19294744729995728},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.1624298095703125},{"text":"How are you going?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.15416723489761353},{"text":"I'm doing absolutely fantastic.","start":8.96,"end":10.66,"sentiment":"positive","sentiment_score":0.720870852470398},{"text":"Thank you for asking.","start":10.8,"end":11.86,"sentiment":"positive","sentiment_score":0.7059239596128464}],"sentiment":"positive","sentiment_score":0.3654408725825223,"num_words":22,"start":3.12,"end":11.86},{"sentences":[{"text":"I'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing.","start":12.125,"end":19.725,"sentiment":"neutral","sentiment_score":0.12365585274022559},{"text":"Do you still have a bit of time for me?","start":19.725,"end":21.585,"sentiment":"neutral","sentiment_score":0.039660441875457766},{"text":"Perfect.","start":23.404999,"end":23.885,"sentiment":"neutral","sentiment_score":0.3203640580177307},{"text":"Perfect.","start":23.885,"end":24.205,"sentiment":"neutral","sentiment_score":0.2422962486743927},{"text":"So just before I jump into it, usual process, are you okay for the call to be recorded?","start":24.205,"end":28.01,"sentiment":"neutral","sentiment_score":0.05708530234793822}],"sentiment":"neutral","sentiment_score":0.09114876944782599,"num_words":53,"start":12.125,"end":28.01},{"sentences":[{"text":"Amazing.","start":29.51,"end":30.01,"sentiment":"neutral","sentiment_score":0.22135008871555328},{"text":"For the security of your account, I am registered with ASIC as Adviser1273105.","start":30.470001,"end":36.55,"sentiment":"neutral","sentiment_score":0.130115212729344},{"text":"Are you okay to confirm your date of birth and address, please?","start":36.55,"end":39.645,"sentiment":"neutral","sentiment_score":0.06364124982307355},{"text":"Sensational.","start":48.285,"end":48.785,"sentiment":"neutral","sentiment_score":0.054930299520492554},{"text":"Thank you so much for that, Kelly.","start":49.005,"end":50.545,"sentiment":"positive","sentiment_score":0.34605235287121366}],"sentiment":"neutral","sentiment_score":0.15158351828508518,"num_words":34,"start":29.51,"end":50.545},{"sentences":[{"text":"I've just been going through the notes on your file from previous conversations in your recent call with us, and it looks like you've actually gone through and completed an echocardiogram.","start":51.085,"end":60.8,"sentiment":"neutral","sentiment_score":0.08271112434205509},{"text":"Is that correct?","start":61.34,"end":62.16,"sentiment":"neutral","sentiment_score":0.018941556413968403},{"text":"Yep.","start":70.235,"end":70.735,"sentiment":"neutral","sentiment_score":-0.09616656601428986},{"text":"Amazing.","start":73.034996,"end":73.534996,"sentiment":"neutral","sentiment_score":-0.0309484601020813},{"text":"Yeah.","start":83.93,"end":84.43,"sentiment":"neutral","sentiment_score":-0.07140548527240753}],"sentiment":"neutral","sentiment_score":0.06546889222856309,"num_words":37,"start":51.085,"end":84.43},{"sentences":[{"text":"Yeah.","start":90.825,"end":91.325,"sentiment":"neutral","sentiment_score":-0.07665311545133591},{"text":"Perfect.","start":93.865,"end":94.345,"sentiment":"neutral","sentiment_score":0.11819713562726974},{"text":"Perfect.","start":94.345,"end":94.665,"sentiment":"neutral","sentiment_score":0.08572599291801453},{"text":"So, yeah, when we go through an insurance application and we put down that there's been, like, recent investigations, they will likely do a PMAR, p m a r, which is a doctor's report request through to the attending medical professional.","start":94.665,"end":109.56,"sentiment":"neutral","sentiment_score":-0.01773699536556151},{"text":"So we could definitely take down, like, GP and specialist details, and they can shoot that off in the background and get all that information once we've submitted an application, if that makes sense.","start":109.939995,"end":120.315,"sentiment":"neutral","sentiment_score":-0.04691833542550311}],"sentiment":"neutral","sentiment_score":-0.02814320770975871,"num_words":78,"start":90.825,"end":120.315},{"sentences":[{"text":"Yep.","start":121.115005,"end":121.615005,"sentiment":"neutral","sentiment_score":0.037118542939424515},{"text":"Outside of that, we do have some sort of preliminary checks that we were looking at, so the types and amounts of cover we were going to apply for.","start":122.395004,"end":132.63501,"sentiment":"neutral","sentiment_score":0.011752771855942134},{"text":"Do you mind if I just check if that's still accurate for you?","start":132.63501,"end":135.93,"sentiment":"neutral","sentiment_score":-0.002133584079834131},{"text":"Cool.","start":137.04999,"end":137.53,"sentiment":"positive","sentiment_score":0.4313800930976868},{"text":"So we were kind of looking at about a million dollars worth of life and total disability insurance really to cover off all of the debts and liabilities.","start":137.53,"end":147.87,"sentiment":"neutral","sentiment_score":0.06582180277577468}],"sentiment":"neutral","sentiment_score":0.03645281811865667,"num_words":72,"start":121.115005,"end":147.87},{"sentences":[{"text":"So I think we had, like, a mortgage of about 850,000, a little bit of an investment property loan for $2.90, and it was really just clear all the debts.","start":149.545,"end":158.125,"sentiment":"neutral","sentiment_score":0.0913018268843492},{"text":"Yep.","start":159.545,"end":160.045,"sentiment":"neutral","sentiment_score":0.08382263034582138},{"text":"We were looking at some income protection, which maxes out at 70% of your income.","start":160.505,"end":166.26,"sentiment":"neutral","sentiment_score":0.06117252061764399},{"text":"And just double checking that, last check was a 145,000 per year was the income.","start":167.76,"end":173.94,"sentiment":"neutral","sentiment_score":0.009192479401826858},{"text":"Yep.","start":176.815,"end":177.295,"sentiment":"neutral","sentiment_score":0.07623973488807678}],"sentiment":"neutral","sentiment_score":0.06378374471058769,"num_words":62,"start":149.545,"end":177.295},{"sentences":[{"text":"We were going to do quotes for a ninety day waiting period and a five year benefit period.","start":177.295,"end":183.235,"sentiment":"neutral","sentiment_score":0.06881171547704273},{"text":"So the whole trade off there was make the premiums a little bit more affordable, but you'd have to kind of look after yourself for a couple of months with some savings and things like that, which you did have quite a bit in your offset at the time.","start":183.295,"end":197.29001,"sentiment":"neutral","sentiment_score":0.012675535047844964},{"text":"Cool.","start":199.03,"end":199.53,"sentiment":"positive","sentiment_score":0.35821667313575745},{"text":"Five year benefit period kind of being a good middle grounds where it'll cover you for short and medium term illness and injury with income replacement.","start":199.83,"end":208.405,"sentiment":"neutral","sentiment_score":0.19517728800957018},{"text":"And if anything goes longer than five years, it'll likely be a TBD claim for that full lump sum.","start":208.465,"end":214.725,"sentiment":"neutral","sentiment_score":0.06358104159957484}],"sentiment":"neutral","sentiment_score":0.07522635440449271,"num_words":113,"start":177.295,"end":214.725},{"sentences":[{"text":"K.","start":216.56,"end":216.8,"sentiment":"neutral","sentiment_score":0.05314090847969055},{"text":"Does that sound appropriate?","start":216.8,"end":218.1,"sentiment":"neutral","sentiment_score":0.0895170820876956},{"text":"Brilliant.","start":220.8,"end":221.3,"sentiment":"positive","sentiment_score":0.5047481060028076},{"text":"The only one we weren't going for was, like, trauma insurance, which is out of pocket only for, like, heart attack, stroke, and cancer.","start":221.68,"end":230.02501,"sentiment":"neutral","sentiment_score":-0.2243718672543764},{"text":"We were really just trying to get the three covers that can go through your superannuation.","start":230.24501,"end":234.18501,"sentiment":"neutral","sentiment_score":-0.13491824315860868}],"sentiment":"neutral","sentiment_score":-0.1440795513436846,"num_words":46,"start":216.56,"end":234.18501},{"sentences":[{"text":"K?","start":237.445,"end":237.945,"sentiment":"neutral","sentiment_score":-0.04688815027475357},{"text":"I'm just gonna quickly check the details that we have in case it's changed, but you're still your occupation hasn't changed from the sales and marketing manager.","start":238.565,"end":246.63,"sentiment":"neutral","sentiment_score":-0.04348816557062997},{"text":"Perfect.","start":249.25,"end":249.75,"sentiment":"positive","sentiment_score":0.5557864308357239},{"text":"You've got private health insurance.","start":251.33,"end":253.11,"sentiment":"neutral","sentiment_score":0.328655481338501},{"text":"I think BMI was fine.","start":253.17001,"end":255.03,"sentiment":"neutral","sentiment_score":0.10888293534517288}],"sentiment":"neutral","sentiment_score":0.039036151117239244,"num_words":39,"start":237.445,"end":255.03},{"sentences":[{"text":"Nonsmokers still?","start":255.17001,"end":256.39,"sentiment":"neutral","sentiment_score":-0.05993727594614029},{"text":"Perfect.","start":258.79498,"end":259.29498,"sentiment":"neutral","sentiment_score":0.25152498483657837},{"text":"Outside of that, because that echocardiogram was more I believe it was just an investigation for, like, extended family just to make sure that it wasn't linking in with family history.","start":260.395,"end":269.835,"sentiment":"neutral","sentiment_score":-0.023847926107625806},{"text":"Is that right?","start":269.835,"end":270.54,"sentiment":"neutral","sentiment_score":0.046678067495425545},{"text":"Yep.","start":271.74002,"end":272.24002,"sentiment":"neutral","sentiment_score":0.04018765687942505}],"sentiment":"neutral","sentiment_score":-0.011247721500694752,"num_words":38,"start":255.17001,"end":272.24002},{"sentences":[{"text":"Was there any other diagnoses that you'd had previously in terms of an illness or an injury?","start":272.38,"end":279.92,"sentiment":"neutral","sentiment_score":-0.032572252785458285},{"text":"K.","start":283.435,"end":283.935,"sentiment":"neutral","sentiment_score":-0.06454208493232727},{"text":"Any current health concerns?","start":283.995,"end":285.615,"sentiment":"neutral","sentiment_score":-0.09758842550218105},{"text":"Yep.","start":290.555,"end":291.055,"sentiment":"neutral","sentiment_score":-0.15616586804389954},{"text":"Amazing.","start":291.195,"end":291.695,"sentiment":"neutral","sentiment_score":-0.3233422636985779}],"sentiment":"neutral","sentiment_score":-0.062005509001513325,"num_words":24,"start":272.38,"end":291.695},{"sentences":[{"text":"Yep.","start":304.09,"end":304.59,"sentiment":"neutral","sentiment_score":-0.06587719917297363},{"text":"Low dose medication for six months.","start":308.185,"end":310.60498,"sentiment":"neutral","sentiment_score":-0.05916002206504345},{"text":"Now when it comes to cholesterol and blood pressure, they usually like to get some readings for that and just make sure it is stable levels.","start":310.66498,"end":318.04498,"sentiment":"neutral","sentiment_score":-0.013596292226933517},{"text":"Have you had any recent tests that have come back as stable?","start":318.10498,"end":321.245,"sentiment":"neutral","sentiment_score":0.037987903226166964},{"text":"Doctor and cardiologist would have that.","start":328.97,"end":332.03,"sentiment":"neutral","sentiment_score":0.09149199910461903}],"sentiment":"neutral","sentiment_score":0.004518939291729647,"num_words":51,"start":304.09,"end":332.03},{"sentences":[{"text":"Perfect.","start":333.21002,"end":333.71002,"sentiment":"positive","sentiment_score":0.4778573215007782},{"text":"Now one of the things that we can do is if that's all looking pretty good, we can always just finalize an advice document to run through with you, make sure you're happy, and organize an application.","start":334.275,"end":345.73502,"sentiment":"neutral","sentiment_score":0.2946547853785592},{"text":"And then we basically let the insurers shoot that off to the doctors and come back through their underwriting process with an outcome of whether it'll be standard across the board, if there's gonna be any loadings or exclusions due to, like, the cholesterol and blood pressure.","start":346.39,"end":361.53,"sentiment":"neutral","sentiment_score":0.06590839927183821},{"text":"Or we can do, like, a bit of an anonymous pre assessment where we get the detail from you and then call the insurers and kind of double check what the likely outcome will be.","start":362.935,"end":372.875,"sentiment":"neutral","sentiment_score":0.14491379048143113},{"text":"So I'm happy to be guided by you on that, which way you'd prefer to go.","start":373.015,"end":377.29,"sentiment":"positive","sentiment_score":0.6637033186852932}],"sentiment":"neutral","sentiment_score":0.22183099200072534,"num_words":136,"start":333.21002,"end":377.29},{"sentences":[{"text":"So the safest way is to pre assess it, but it does mean kind of going through those medical questions in-depth for about twenty minutes on a recorded line with Jack, one of my implementers.","start":379.91,"end":390.92502,"sentiment":"neutral","sentiment_score":0.06496462055615017},{"text":"That's the safest way to do it.","start":392.505,"end":394.185,"sentiment":"neutral","sentiment_score":0.20404404188905442},{"text":"Or if we're comfortable to kind of just shoot the shot, so to speak, we should get back a reasonable outcome.","start":394.185,"end":401.88,"sentiment":"neutral","sentiment_score":0.19326118628184},{"text":"But it's just about how safe we wanna be about it.","start":402.26,"end":405.0,"sentiment":"neutral","sentiment_score":0.17278706214644693},{"text":"K.","start":411.14,"end":411.62,"sentiment":"neutral","sentiment_score":0.18395084142684937}],"sentiment":"neutral","sentiment_score":0.13126884599526722,"num_words":75,"start":379.91,"end":411.62},{"sentences":[{"text":"Amazing.","start":411.62,"end":412.12,"sentiment":"positive","sentiment_score":0.4665323495864868},{"text":"I'm just checking my notes from previous calls to see if there was anything else we were doing because we were obviously going to factor in the premiums on the impact it would have on your super, make sure that's not too expensive.","start":412.26,"end":424.145,"sentiment":"neutral","sentiment_score":0.08466305566388507},{"text":"We've got, you know, a debt income replacements.","start":427.41,"end":431.03,"sentiment":"neutral","sentiment_score":-0.1463881302624941},{"text":"We had a bit of a standard retirement goal using the government figures to kind of project it against.","start":433.01,"end":439.03,"sentiment":"neutral","sentiment_score":-0.14441326103712382},{"text":"And if you were happy, we were kind of just gonna do a ten year impact because retirement is still so far away for you.","start":439.585,"end":445.685,"sentiment":"negative","sentiment_score":-0.3602896696329117}],"sentiment":"neutral","sentiment_score":-0.09182453124473493,"num_words":96,"start":411.62,"end":445.685},{"sentences":[{"text":"Outside of that, I don't believe there was anything else we were kind of changing at this point.","start":447.745,"end":453.525,"sentiment":"negative","sentiment_score":-0.3985442386733161},{"text":"Was there any other advice that you felt like you wanted to talk about?","start":454.58002,"end":458.2,"sentiment":"neutral","sentiment_score":-0.038562582805752754},{"text":"Oh, that's right.","start":467.555,"end":468.35498,"sentiment":"neutral","sentiment_score":-0.03444363673528036},{"text":"End of financial year.","start":468.35498,"end":469.735,"sentiment":"neutral","sentiment_score":-0.03737455606460571},{"text":"Yeah.","start":469.79498,"end":470.29498,"sentiment":"neutral","sentiment_score":0.036345526576042175}],"sentiment":"neutral","sentiment_score":-0.19825390158221126,"num_words":40,"start":447.745,"end":470.29498},{"sentences":[{"text":"Cool.","start":471.235,"end":471.63498,"sentiment":"neutral","sentiment_score":0.15697211027145386},{"text":"So two quick areas there.","start":471.63498,"end":474.055,"sentiment":"neutral","sentiment_score":0.06998008266091346},{"text":"If you're on a 145,000 and they're giving you the standard 12%, that will give you sorry.","start":474.195,"end":482.25,"sentiment":"neutral","sentiment_score":-0.06802304604035966},{"text":"I'm just gonna do a double calculation here.","start":482.25,"end":484.59,"sentiment":"neutral","sentiment_score":-0.10037648770958185},{"text":"Alright.","start":485.69,"end":486.01,"sentiment":"neutral","sentiment_score":-0.044349756091833115}],"sentiment":"neutral","sentiment_score":-0.04677752865245566,"num_words":32,"start":471.235,"end":486.01},{"sentences":[{"text":"So the standard 12% puts you at about 17,400, and the cap is for this financial year, 30,000.","start":486.01,"end":492.97,"sentiment":"neutral","sentiment_score":0.13125857628054088},{"text":"It's about to go up next financial year.","start":492.97,"end":495.165,"sentiment":"neutral","sentiment_score":0.10943314619362354},{"text":"So what that kind of leaves you with safely, about 10 or $12 that could go in as a bit of a lump sum, and that gets claimed.","start":497.005,"end":506.065,"sentiment":"positive","sentiment_score":0.3433649465441704},{"text":"The full 37 percent would be kind of claimed via tax return.","start":506.845,"end":512.14,"sentiment":"positive","sentiment_score":0.3636779536803563},{"text":"And then when the money goes into super, they will take out the 15% super tax.","start":512.28,"end":516.94,"sentiment":"neutral","sentiment_score":0.19925109669566154}],"sentiment":"neutral","sentiment_score":0.2488352565503702,"num_words":82,"start":486.01,"end":516.94},{"sentences":[{"text":"Your net benefit is the the the difference between the two, the 22%, but you would get the full chunk back, basically a third.","start":517.16,"end":524.345,"sentiment":"positive","sentiment_score":0.43621832753221196},{"text":"Yes.","start":536.02,"end":536.5,"sentiment":"neutral","sentiment_score":0.07947420328855515},{"text":"So the bring forward rule clicks back five financial years in not including this financial year.","start":536.5,"end":542.5,"sentiment":"neutral","sentiment_score":-0.015855761768762022},{"text":"So this financial year is also on its own.","start":542.5,"end":544.76,"sentiment":"neutral","sentiment_score":0.0068374669386280906},{"text":"Your myGov account will actually give you a full breakdown and a a total estimate going back five financial years.","start":544.9,"end":554.395,"sentiment":"neutral","sentiment_score":0.17036709636449815}],"sentiment":"neutral","sentiment_score":0.19662715722141522,"num_words":70,"start":517.16,"end":554.395},{"sentences":[{"text":"So if you do have the ability to get into your myGov account on the ATO section, there is a super button that will give you the exact figures.","start":554.395,"end":564.68,"sentiment":"neutral","sentiment_score":0.11149850744625618},{"text":"Now I can kind of guide you through that if you like.","start":569.38,"end":572.92,"sentiment":"neutral","sentiment_score":0.09760083258152008},{"text":"And, look, no rush.","start":577.075,"end":578.03503,"sentiment":"neutral","sentiment_score":0.06595207005739212},{"text":"If you do have a couple of minutes, I do remember the buttons to press to get on there, but I can even go into my own login as well and kind of guide you through it.","start":578.03503,"end":586.61505,"sentiment":"neutral","sentiment_score":0.060317334492464326},{"text":"Yep.","start":594.69,"end":595.01,"sentiment":"neutral","sentiment_score":0.11614470928907394}],"sentiment":"neutral","sentiment_score":0.08453447075493364,"num_words":83,"start":554.395,"end":595.01},{"sentences":[{"text":"That's the one.","start":595.01,"end":595.91,"sentiment":"neutral","sentiment_score":0.14551631609598795},{"text":"Yeah.","start":599.49,"end":599.99,"sentiment":"neutral","sentiment_score":0.04340963810682297},{"text":"This is always the way.","start":600.05,"end":601.91,"sentiment":"neutral","sentiment_score":0.1701670140028},{"text":"So above that, we've got there's a little menu button at the top left.","start":618.64,"end":624.34,"sentiment":"neutral","sentiment_score":0.08847669618470329},{"text":"And when you get that menu, there's a super button, and it should come up with fund details, information, and manage.","start":625.76,"end":633.275,"sentiment":"neutral","sentiment_score":0.07082448438519523}],"sentiment":"neutral","sentiment_score":0.09219958125190302,"num_words":44,"start":595.01,"end":633.275},{"sentences":[{"text":"Can you see those?","start":633.335,"end":634.315,"sentiment":"neutral","sentiment_score":0.040434123016893864},{"text":"If you hit the middle one, which is information, you'll see about halfway down, carry forward concessional contributions.","start":634.935,"end":642.715,"sentiment":"neutral","sentiment_score":0.02637190294141571},{"text":"K?","start":645.14996,"end":645.64996,"sentiment":"neutral","sentiment_score":0.03088212199509144},{"text":"Once you do that, it should list 2526 financial year.","start":645.70996,"end":650.52997,"sentiment":"neutral","sentiment_score":0.06310162767767906},{"text":"It will tell you total super balance, and below that, it should have a green bubble saying eligible and the total amount of eligibility.","start":651.07,"end":658.61,"sentiment":"neutral","sentiment_score":0.06411358558883269}],"sentiment":"neutral","sentiment_score":0.049772898209068855,"num_words":57,"start":633.335,"end":658.61},{"sentences":[{"text":"63,000.","start":665.925,"end":666.965,"sentiment":"neutral","sentiment_score":0.02608080208301544},{"text":"And can you give me the exact there, please?","start":666.965,"end":668.885,"sentiment":"neutral","sentiment_score":0.015099365160697036},{"text":"63 and 4¢.","start":668.885,"end":674.5,"sentiment":"neutral","sentiment_score":0.028595139272511005},{"text":"Perfect.","start":674.5,"end":675.0,"sentiment":"neutral","sentiment_score":0.32332661747932434},{"text":"So that is lump sum available going backwards, including that other 12,000 for this financial year separate to that.","start":675.45996,"end":684.995,"sentiment":"neutral","sentiment_score":0.05715778254364666}],"sentiment":"neutral","sentiment_score":0.0508903079025913,"num_words":33,"start":665.925,"end":684.995},{"sentences":[{"text":"So you could do technically 75,000.","start":684.995,"end":688.375,"sentiment":"neutral","sentiment_score":0.030188743645946186},{"text":"And the way that kind of breaks down just so you can see is there's a show details button in the white section, and it basically breaks down each year the total cap, total contributions, and then for every year under it, it says what the cap was, what you put in, and what was unused for each year.","start":692.995,"end":710.16,"sentiment":"neutral","sentiment_score":0.02920334028490519},{"text":"That's yeah.","start":710.54,"end":712.835,"sentiment":"neutral","sentiment_score":-0.01081551378592849},{"text":"I was just gonna say it's more for if you have to do a rolling amount, like if you wanted to salary sacrifice weekly to try and tick this off one, two, three, four, five years, it becomes very important to look at the details of every single year.","start":713.935,"end":727.41003,"sentiment":"neutral","sentiment_score":0.000021791883877345492},{"text":"If you're just doing a lump sum, that total at the top is perfectly fine.","start":727.55,"end":731.41003,"sentiment":"neutral","sentiment_score":0.13874866167704264}],"sentiment":"neutral","sentiment_score":0.030265620141823327,"num_words":131,"start":684.995,"end":731.41003},{"sentences":[{"text":"Oh, so that is a fantastic question.","start":735.405,"end":741.34503,"sentiment":"neutral","sentiment_score":0.29941655855093685},{"text":"Putting in that amenity of super is gonna have a huge impact on both your taxes and also on your retirement growth, but there's two trade offs.","start":742.205,"end":749.74506,"sentiment":"neutral","sentiment_score":0.216423612087965},{"text":"What else could that money be used for in terms of mortgage, other cash flow goals that you might need it for?","start":750.41,"end":758.19,"sentiment":"neutral","sentiment_score":0.17862694371830334},{"text":"Is there anything important for you guys?","start":761.44995,"end":763.20996,"sentiment":"neutral","sentiment_score":0.08220044842788152},{"text":"Because I know we're gonna you're gonna look at a pretty big renovation for the backyard, which is gonna be a pretty big one.","start":763.20996,"end":769.745,"sentiment":"neutral","sentiment_score":0.02591272008915742}],"sentiment":"neutral","sentiment_score":0.15018913355366936,"num_words":87,"start":735.405,"end":769.745},{"sentences":[{"text":"Yep.","start":777.08496,"end":777.42,"sentiment":"neutral","sentiment_score":0.202440083026886},{"text":"Yep.","start":780.45996,"end":780.95996,"sentiment":"neutral","sentiment_score":0.1449328511953354},{"text":"And the last thing to check is your your tax brackets.","start":781.42,"end":785.68,"sentiment":"neutral","sentiment_score":0.07053119994022629},{"text":"So, basically, the if you're on a 145,000, the first 10,000 is gonna have the most impact because that's your 37 percent plus Medicare bracket.","start":786.38,"end":796.835,"sentiment":"neutral","sentiment_score":0.11266136839985848},{"text":"Then anything between 45 and a 135 is that 32% bracket.","start":798.175,"end":804.275,"sentiment":"neutral","sentiment_score":0.043049443513154984}],"sentiment":"neutral","sentiment_score":0.09006722902460974,"num_words":49,"start":777.08496,"end":804.275},{"sentences":[{"text":"So it pretty much gives you, if you wanted to go to the full maximum impact possible, if I go a 140 well, technically, that's flat figures, a $100,000 of some pretty good benefit that you could do.","start":806.83997,"end":820.745,"sentiment":"positive","sentiment_score":0.369623515951006},{"text":"So, yes, if you got that 70 something in there, you would get a pretty good tax savings across the board and pretty big impact on the super.","start":821.04504,"end":829.78503,"sentiment":"positive","sentiment_score":0.5760581716895103},{"text":"Again, renovations and things like that too.","start":829.92505,"end":832.34503,"sentiment":"neutral","sentiment_score":0.23609426830496108},{"text":"And I'm just double checking your balance as well.","start":833.4,"end":835.64,"sentiment":"neutral","sentiment_score":0.17458958509895536},{"text":"But does that kinda make sense?","start":835.64,"end":837.18,"sentiment":"neutral","sentiment_score":0.10164531941215198}],"sentiment":"positive","sentiment_score":0.3864677326584404,"num_words":88,"start":806.83997,"end":837.18},{"sentences":[{"text":"And I've just got your Hub twenty four account open because there's also of course, anything you put in soup is locked away until preservation age, so you've gotta be okay to be without it.","start":843.8,"end":858.085,"sentiment":"neutral","sentiment_score":0.07826229520142078},{"text":"We've got you're at 438,000 at the moment, which is a pretty healthy balance, to be honest.","start":859.34503,"end":864.58,"sentiment":"positive","sentiment_score":0.4135446864015916},{"text":"And just looking at risk level, yep, a lot of growth assets, so some pretty high long term returns there.","start":867.12,"end":876.5,"sentiment":"positive","sentiment_score":0.33359830528497697},{"text":"Really good contributions coming in.","start":876.685,"end":878.86505,"sentiment":"positive","sentiment_score":0.8206301689147949},{"text":"The last thing I'm gonna check is time frames for two seconds.","start":880.36505,"end":885.66504,"sentiment":"neutral","sentiment_score":0.09373256905625264}],"sentiment":"neutral","sentiment_score":0.2434758177508464,"num_words":89,"start":843.8,"end":885.66504},{"sentences":[{"text":"So we are getting to that last last period here.","start":888.525,"end":891.98505,"sentiment":"neutral","sentiment_score":0.06049550361931324},{"text":"Were you kind of aiming for, like, earlier retirement towards age 60, or are we still kind of aiming for that fifteen years closer to the age pension age?","start":893.17,"end":901.43,"sentiment":"neutral","sentiment_score":0.01118291368515327},{"text":"Would you consider I'm looking at your your mortgage level.","start":923.52,"end":927.76,"sentiment":"neutral","sentiment_score":0.05817933045327663},{"text":"Do you think it's pretty accurate that you'll have that mortgage finished off by yep.","start":927.76,"end":936.14496,"sentiment":"neutral","sentiment_score":0.135629432896773},{"text":"Yeah.","start":951.33997,"end":951.83997,"sentiment":"neutral","sentiment_score":0.04182785004377365}],"sentiment":"neutral","sentiment_score":0.055189572016780195,"num_words":65,"start":888.525,"end":951.83997},{"sentences":[{"text":"So what I might do, would it be helpful, I'm going to update your advice document for the insurances, and I'll add in that 12,000 of concessional contributions.","start":952.62,"end":962.83496,"sentiment":"neutral","sentiment_score":0.05574435428051012},{"text":"I'll do a projection there and kind of base it against that retirement goal and give you a bit of an indication of what that looks like.","start":964.57495,"end":972.27496,"sentiment":"neutral","sentiment_score":0.05388557952311304},{"text":"Now I am going on paternity leave in June.","start":972.33496,"end":975.93,"sentiment":"neutral","sentiment_score":0.10203851097159916},{"text":"Got her daughter on the way.","start":975.99,"end":977.45,"sentiment":"positive","sentiment_score":0.3879201263189316},{"text":"The two boys are very excited.","start":977.58997,"end":979.21,"sentiment":"positive","sentiment_score":0.5909714351097742}],"sentiment":"neutral","sentiment_score":0.1290453754512495,"num_words":76,"start":952.62,"end":979.21},{"sentences":[{"text":"So I really wanna get this organized with you before I go because that'll chop up the end of financial year quite quickly.","start":979.67,"end":986.33,"sentiment":"neutral","sentiment_score":0.22929678209449933},{"text":"So the two things to keep in mind is that we need to make sure any contributions are received by the fund before June 30.","start":987.72504,"end":994.94507,"sentiment":"neutral","sentiment_score":0.03566099911928177},{"text":"And, you know, yep, and once that's in there, we will help you with a notice of intent to claim form where we pretty much fill out.","start":995.485,"end":1009.10004,"sentiment":"neutral","sentiment_score":0.1895096677320975},{"text":"You've put in 12.","start":1009.10004,"end":1010.32,"sentiment":"neutral","sentiment_score":0.12907517328858376},{"text":"We're gonna claim all 12, submit that with your signature to the fund.","start":1010.38,"end":1014.765,"sentiment":"neutral","sentiment_score":0.14037503474033797}],"sentiment":"neutral","sentiment_score":0.14807921890979228,"num_words":92,"start":979.67,"end":1014.765},{"sentences":[{"text":"They then code that to the tax office as long as that's been accepted and you get an acceptance letter back before you submit your tax return.","start":1014.825,"end":1023.40497,"sentiment":"neutral","sentiment_score":0.12998106330633163},{"text":"I know some people, July 1, will submit it, like, a day later.","start":1023.465,"end":1027.1901,"sentiment":"neutral","sentiment_score":0.07837320090486453},{"text":"Just we're just gonna make sure that comes back first.","start":1027.97,"end":1030.39,"sentiment":"neutral","sentiment_score":0.05581918992102146},{"text":"K?","start":1032.4501,"end":1032.85,"sentiment":"neutral","sentiment_score":0.03536443039774895},{"text":"I'll put all of that in the document.","start":1032.85,"end":1034.55,"sentiment":"neutral","sentiment_score":0.0868169516324997}],"sentiment":"neutral","sentiment_score":0.09858359768986702,"num_words":59,"start":1014.825,"end":1034.55},{"sentences":[{"text":"Would you like to maybe just wait a week or so, and I'll walk you through that document in-depth, and we'll kind of do it all alongside each other.","start":1034.6901,"end":1041.545,"sentiment":"neutral","sentiment_score":0.09736214539614217},{"text":"Would that be easier?","start":1041.545,"end":1042.525,"sentiment":"neutral","sentiment_score":0.15034782886505127},{"text":"Yeah.","start":1055.2401,"end":1055.7401,"sentiment":"neutral","sentiment_score":-0.13261348009109497},{"text":"Perfect.","start":1061.56,"end":1062.06,"sentiment":"neutral","sentiment_score":-0.2476077824831009},{"text":"And, again, I'll update that projection against the retirement goal.","start":1062.1201,"end":1065.56,"sentiment":"neutral","sentiment_score":0.1989502537995577}],"sentiment":"neutral","sentiment_score":0.11187055127488242,"num_words":45,"start":1034.6901,"end":1065.56},{"sentences":[{"text":"If you wanna go a little bit above that with the carry forward to try and ensure that you reach the goal, we can have that discussion too.","start":1065.56,"end":1072.705,"sentiment":"neutral","sentiment_score":0.2228659045483385},{"text":"But I just wanna give you a good baseline for what you're looking at.","start":1072.705,"end":1075.525,"sentiment":"neutral","sentiment_score":0.2288793921470642},{"text":"Awesome.","start":1077.905,"end":1078.385,"sentiment":"positive","sentiment_score":0.7259488701820374},{"text":"Any questions for me, Kelly?","start":1078.385,"end":1080.325,"sentiment":"neutral","sentiment_score":0.18089398741722107},{"text":"Yeah.","start":1097.045,"end":1097.285,"sentiment":"neutral","sentiment_score":0.1820928156375885}],"sentiment":"neutral","sentiment_score":0.2297360906187369,"num_words":49,"start":1065.56,"end":1097.285},{"sentences":[{"text":"So I think the best one to go about it, if it's okay for you, is I can book you in a time for the pre assessment now, and then we'll have done the research in the backgrounds, put together that document, and the team can book you in for the following week to just finalize the advice and implement it, if that's okay.","start":1097.285,"end":1114.58,"sentiment":"neutral","sentiment_score":0.3327927447389811},{"text":"Now we do have quite a bit of late night availability if that helps, but what would be a good day and time for you?","start":1116.5599,"end":1124.595,"sentiment":"neutral","sentiment_score":0.19405255377292632},{"text":"Okay.","start":1136.75,"end":1137.23,"sentiment":"neutral","sentiment_score":0.0972929671406746},{"text":"Alright.","start":1137.23,"end":1137.55,"sentiment":"neutral","sentiment_score":0.15293830633163452},{"text":"I'll try and keep it to, again, less than half an hour just to get those details, and we'll run off and do our phone calls around the industry.","start":1137.55,"end":1144.13,"sentiment":"neutral","sentiment_score":0.14550315087725377}],"sentiment":"neutral","sentiment_score":0.25516560130442184,"num_words":120,"start":1097.285,"end":1144.13},{"sentences":[{"text":"You are in New South Wales, and I'm assuming we don't have daylight savings now.","start":1145.415,"end":1149.3351,"sentiment":"neutral","sentiment_score":0.021059360603491464},{"text":"Thank gosh for that.","start":1149.3351,"end":1150.295,"sentiment":"positive","sentiment_score":0.5995540767908096},{"text":"So it's almost 01:00 your time.","start":1150.295,"end":1152.795,"sentiment":"neutral","sentiment_score":-0.025180786848068237},{"text":"Perfect.","start":1154.535,"end":1155.035,"sentiment":"positive","sentiment_score":0.5005008578300476},{"text":"Alrighty.","start":1155.5751,"end":1156.0751,"sentiment":"neutral","sentiment_score":0.3164087235927582}],"sentiment":"neutral","sentiment_score":0.1251826509833336,"num_words":27,"start":1145.415,"end":1156.0751},{"sentences":[{"text":"I believe best days.","start":1157.86,"end":1160.5,"sentiment":"neutral","sentiment_score":0.17653195932507515},{"text":"Could we potentially could we potentially do Thursday?","start":1160.5,"end":1163.88,"sentiment":"neutral","sentiment_score":0.10722182225435972},{"text":"K.","start":1166.4199,"end":1166.9199,"sentiment":"neutral","sentiment_score":0.03231365233659744},{"text":"I could do any time in the afternoon.","start":1168.98,"end":1171.1599,"sentiment":"neutral","sentiment_score":0.06958749005571008},{"text":"Three thirty.","start":1176.475,"end":1177.375,"sentiment":"neutral","sentiment_score":0.028848130255937576}],"sentiment":"neutral","sentiment_score":0.09611357602736224,"num_words":23,"start":1157.86,"end":1177.375},{"sentences":[{"text":"Done.","start":1178.155,"end":1178.655,"sentiment":"neutral","sentiment_score":0.0675341784954071},{"text":"Yep.","start":1179.995,"end":1180.475,"sentiment":"neutral","sentiment_score":0.04890335351228714},{"text":"Three thirty or 04:00.","start":1180.475,"end":1182.175,"sentiment":"neutral","sentiment_score":0.02959639299660921},{"text":"What we can do is we'll send you a text reminder and, like, a confirmation of the booking.","start":1182.235,"end":1186.8151,"sentiment":"neutral","sentiment_score":0.14007105885280502},{"text":"If you need to adjust that by half an hour, just let us know.","start":1187.9,"end":1190.5399,"sentiment":"neutral","sentiment_score":0.0391286060746227}],"sentiment":"neutral","sentiment_score":0.08694480653656156,"num_words":38,"start":1178.155,"end":1190.5399},{"sentences":[{"text":"We're pretty flexible.","start":1190.5399,"end":1191.76,"sentiment":"neutral","sentiment_score":0.08502558246254921},{"text":"Yep.","start":1201.515,"end":1201.755,"sentiment":"neutral","sentiment_score":0.1935637891292572},{"text":"And I'll get basically 80% of the plan done before then.","start":1201.755,"end":1204.875,"sentiment":"neutral","sentiment_score":0.2705454596064307},{"text":"We'll double check some of the medical side of things, and we can finalize all that together the following week, and then you are good to go.","start":1204.875,"end":1211.829,"sentiment":"neutral","sentiment_score":0.3283131315752312},{"text":"Awesome, Kelly.","start":1214.629,"end":1215.2689,"sentiment":"positive","sentiment_score":0.8738045394420624}],"sentiment":"neutral","sentiment_score":0.3190160050818866,"num_words":44,"start":1190.5399,"end":1215.2689},{"sentences":[{"text":"You have a fantastic weekend, and we'll talk to you next week.","start":1215.2689,"end":1217.7689,"sentiment":"positive","sentiment_score":0.7742287243405978},{"text":"Thank you.","start":1219.0289,"end":1219.589,"sentiment":"positive","sentiment_score":0.6788791120052338},{"text":"Bye.","start":1219.589,"end":1220.089,"sentiment":"neutral","sentiment_score":-0.11225610971450806}],"sentiment":"positive","sentiment_score":0.7024164537588755,"num_words":15,"start":1215.2689,"end":1220.089}]}}]},{"alternatives":[{"transcript":"This is Kate. Good. Thank you. How are you? Yes. Yes. I do. Sure. No problem. Sure. It's 09/04/1976, and address is 9 Priscilla Place, Waltham Hill. Mhmm. Yeah. I do. But I actually don't have the results of of me to yes. I did do an echocardiogram, and I came up negative for cardio in myopathy. So so I just wanna have a chat about, a, how you're gonna get those results. I'll have to probably provide you who I went through and also what I can do with my insurances because I I know we were sort of a bit stunted with that because of the yeah. Waiting for the results on that. Mhmm. Mhmm. Okay. Yep. Mhmm. Yeah. Sure. Yeah. That's fine. Mhmm. Yep. Yeah. That's right. Yep. Mhmm. Yep. Yep. That's about right. Yep. Mhmm. Yep. That's fine. Mhmm. Sure. Yep. Yep. That's fine. Mhmm. Yep. That's fine. No. It's still the same. Mhmm. Nunspanker. Yep. Yeah. That's right. No. No. I do have high cholesterol, which is annoying. And I am I I had a episode of high blood pressure before Christmas, and it's the reason why we went through the egotardogram, etcetera. So I am on low dose medication, and I probably will be for six months. Mhmm. Mhmm. Mhmm. Yep. Mhmm. I yeah. Yeah. They have so that would be the doctor and also the cardiologist would have that. Yep. Yes. Mhmm. Mhmm. What do my people do? I don't know. Whatever. Yeah. Yeah. Mhmm. Okay. Well, yeah, I'll do the pre assessment just one then. Mhmm. Mhmm. Mhmm. Mhmm. Yes. So we just want to I just wanna see how much I can contribute to my super fund for tax reasons. So what's the sort of cap that I can yeah. Yeah. Mhmm. Okay. Mhmm. Yep. So we did this last year as well. I'm just wondering because I know it's it's and that you can look at it over a five year period. Is that correct? To sort of say so yeah. That's one. Yeah. Okay. Mhmm. Okay. That's good to know. But this year, I can put in a yeah. I'm just so I'm yeah. I'm just trying to frantically find myGov. Yep. There we go. No. I've got I'm just logging into myGov. I've got in there now now, and I'll just select the tax. Okay. Australian tax office service. Yeah. And, of course, it doesn't work from us. There you go. Okay. So okay. So I've got check my CC balance. Is is that what I need? Yep. Yep. Yep. Yes. Mhmm. Yep. Yep. Yeah. Right. The unused concessional contribution available carry forward, and I've got $63,000. Yes. $53,837.04. Mhmm. Including, did you say? Yep. Yep. Right. Okay. Okay. Yep. Yep. Yeah. And do you rec yes. Sorry. Go on. Cut it off. Mhmm. Right. Do you recommend doing that? Do you recommend putting in that 63,000 into super? You know? Yep. Yep. Mhmm. Yeah. Alright. No. That's fine. I'll have a chat soon because we're both looking at what we will do there. Anyway, I'll put the I'll definitely put the 12 for this year in. And then mhmm. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Yeah. It does. Yeah. No. That's been good. And this is handy to know that I can have a look into this too. Mhmm. Mhmm. Mhmm. Oh, my preference will be retiring next year, but that's not gonna happen, is it? But yes. No. We'll probably talk. I don't really know. I'm hoping in the next five years, I can get a job that's not so full on and stuff. But, yeah, maybe we'll look at 65 retirement. So it's fifth fifteen years from '50 this year. A 100 percent. Yeah. We've got some inheritance coming our way too. So, yeah, so that will go on a mortgage. So and my husband's stuck. He he earns the big bucks, so he he he gets quite a lot of bonuses and stuff throughout the year. So we've got quite a bit now offset anyway. Mhmm. Yep. Oh, congratulations. Oh, no problem. Yeah. Well, I'm planning on doing it this week. Is that well, not this week. Obviously, it's Friday, but maybe next week. Yep. Yeah. Awesome. Yes. Mhmm. Mhmm. Okay. Yep. Okay. Yeah. That's fine. So yeah. Yeah. So I'll wait to hear from you again, and then I'll put that money in from there. And then because I remember last year, I just did it, and then I think it just ended up being sent to the my tax account in any way in the end. I don't know how what he did, but he did something. So, yeah, happy to happy to be guided by you. Not really sure. Mhmm. Okay. Sounds great. No. I don't think so. So I'll just wait to hear to book in a time for the pre assessment in regards to the insurance, and then I'll wait to hear from you maybe next week in regards to transferring the cash into super. Yep. Mhmm. Mhmm. Yep. Yep. Next if we're talking next week, any anytime, really. I can the days that I'm pretty booked up, but can you just tell me a time that I can make it work? Mhmm. Mhmm. No. Yeah. That's correct. Yeah. That's fine. What time? How about 03:30 or four o'clock or whatever. Yep. 03:30? Okay. Mhmm. Yeah. That's fine. Yeah. That's fine. I'm pretty clear from 03:30 onwards. So that's fine. Alright. So I'll hear from someone next Thursday, the seventh at 03:30. Wonderful. Thank you so much. You too. Take care. Bye 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is Kate. Good. Thank you. How are you? Yes.\n\nYes. I do. Sure. No problem. Sure.\n\nIt's 09/04/1976, and address is 9 Priscilla Place, Waltham Hill. Mhmm. Yeah. I do. But I actually don't have the results of of me to yes.\n\nI did do an echocardiogram, and I came up negative for cardio in myopathy. So so I just wanna have a chat about, a, how you're gonna get those results. I'll have to probably provide you who I went through and also what I can do with my insurances because I I know we were sort of a bit stunted with that because of the yeah. Waiting for the results on that. Mhmm.\n\nMhmm. Okay. Yep. Mhmm. Yeah.\n\nSure. Yeah. That's fine. Mhmm. Yep.\n\nYeah. That's right. Yep. Mhmm. Yep.\n\nYep. That's about right. Yep. Mhmm. Yep.\n\nThat's fine. Mhmm. Sure. Yep. Yep.\n\nThat's fine. Mhmm. Yep. That's fine. No.\n\nIt's still the same. Mhmm. Nunspanker. Yep. Yeah.\n\nThat's right. No. No. I do have high cholesterol, which is annoying. And I am I I had a episode of high blood pressure before Christmas, and it's the reason why we went through the egotardogram, etcetera.\n\nSo I am on low dose medication, and I probably will be for six months. Mhmm. Mhmm. Mhmm. Yep.\n\nMhmm. I yeah. Yeah. They have so that would be the doctor and also the cardiologist would have that. Yep.\n\nYes. Mhmm. Mhmm. What do my people do? I don't know.\n\nWhatever. Yeah. Yeah. Mhmm. Okay.\n\nWell, yeah, I'll do the pre assessment just one then. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. So we just want to I just wanna see how much I can contribute to my super fund for tax reasons. So what's the sort of cap that I can yeah. Yeah. Mhmm.\n\nOkay. Mhmm. Yep. So we did this last year as well. I'm just wondering because I know it's it's and that you can look at it over a five year period.\n\nIs that correct? To sort of say so yeah. That's one. Yeah. Okay.\n\nMhmm. Okay. That's good to know. But this year, I can put in a yeah. I'm just so I'm yeah.\n\nI'm just trying to frantically find myGov. Yep. There we go. No. I've got I'm just logging into myGov.\n\nI've got in there now now, and I'll just select the tax. Okay. Australian tax office service. Yeah. And, of course, it doesn't work from us.\n\nThere you go. Okay. So okay. So I've got check my CC balance. Is is that what I need?\n\nYep. Yep. Yep. Yes. Mhmm.\n\nYep. Yep. Yeah. Right. The unused concessional contribution available carry forward, and I've got $63,000.\n\nYes. $53,837.04. Mhmm. Including, did you say? Yep.\n\nYep. Right. Okay. Okay. Yep.\n\nYep. Yeah. And do you rec yes. Sorry. Go on.\n\nCut it off. Mhmm. Right. Do you recommend doing that? Do you recommend putting in that 63,000 into super?\n\nYou know? Yep. Yep. Mhmm. Yeah.\n\nAlright. No. That's fine. I'll have a chat soon because we're both looking at what we will do there. Anyway, I'll put the I'll definitely put the 12 for this year in.\n\nAnd then mhmm. Mhmm. Mhmm. Okay. Mhmm.\n\nMhmm. Yeah. It does. Yeah. No.\n\nThat's been good. And this is handy to know that I can have a look into this too. Mhmm. Mhmm. Mhmm.\n\nOh, my preference will be retiring next year, but that's not gonna happen, is it? But yes. No. We'll probably talk. I don't really know.\n\nI'm hoping in the next five years, I can get a job that's not so full on and stuff. But, yeah, maybe we'll look at 65 retirement. So it's fifth fifteen years from '50 this year. A 100 percent. Yeah.\n\nWe've got some inheritance coming our way too. So, yeah, so that will go on a mortgage. So and my husband's stuck. He he earns the big bucks, so he he he gets quite a lot of bonuses and stuff throughout the year. So we've got quite a bit now offset anyway.\n\nMhmm. Yep. Oh, congratulations. Oh, no problem. Yeah.\n\nWell, I'm planning on doing it this week. Is that well, not this week. Obviously, it's Friday, but maybe next week. Yep. Yeah.\n\nAwesome. Yes. Mhmm. Mhmm. Okay.\n\nYep. Okay. Yeah. That's fine. So yeah.\n\nYeah. So I'll wait to hear from you again, and then I'll put that money in from there. And then because I remember last year, I just did it, and then I think it just ended up being sent to the my tax account in any way in the end. I don't know how what he did, but he did something. So, yeah, happy to happy to be guided by you.\n\nNot really sure. Mhmm. Okay. Sounds great. No.\n\nI don't think so. So I'll just wait to hear to book in a time for the pre assessment in regards to the insurance, and then I'll wait to hear from you maybe next week in regards to transferring the cash into super. Yep. Mhmm. Mhmm.\n\nYep. Yep. Next if we're talking next week, any anytime, really. I can the days that I'm pretty booked up, but can you just tell me a time that I can make it work? Mhmm.\n\nMhmm. No. Yeah. That's correct. Yeah.\n\nThat's fine. What time? How about 03:30 or four o'clock or whatever. Yep. 03:30?\n\nOkay. Mhmm. Yeah. That's fine. Yeah.\n\nThat's fine. I'm pretty clear from 03:30 onwards. So that's fine. Alright. So I'll hear from someone next Thursday, the seventh at 03:30.\n\nWonderful. Thank you so much. You too. Take care. Bye bye.","paragraphs":[{"sentences":[{"text":"This is Kate.","start":0.0,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.033087968826293945},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.3228928744792938},{"text":"Thank you.","start":7.7599998,"end":8.24,"sentiment":"positive","sentiment_score":0.47997522354125977},{"text":"How are you?","start":8.24,"end":8.98,"sentiment":"neutral","sentiment_score":0.2823040684064229},{"text":"Yes.","start":21.845,"end":22.244999,"sentiment":"neutral","sentiment_score":0.05535111576318741}],"sentiment":"neutral","sentiment_score":0.22843705490231514,"num_words":10,"start":0.0,"end":22.244999},{"sentences":[{"text":"Yes.","start":22.244999,"end":22.485,"sentiment":"neutral","sentiment_score":0.06788872182369232},{"text":"I 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know?","start":739.855,"end":746.355,"sentiment":"positive","sentiment_score":0.3799514025449753},{"text":"Yep.","start":747.055,"end":747.555,"sentiment":"neutral","sentiment_score":0.10327565670013428},{"text":"Yep.","start":750.65497,"end":751.15497,"sentiment":"neutral","sentiment_score":0.11734120547771454},{"text":"Mhmm.","start":759.61,"end":760.11,"sentiment":"neutral","sentiment_score":0.05928051844239235},{"text":"Yeah.","start":770.605,"end":771.105,"sentiment":"neutral","sentiment_score":0.09622834622859956}],"sentiment":"neutral","sentiment_score":0.1893380886564652,"num_words":6,"start":739.855,"end":771.105},{"sentences":[{"text":"Alright.","start":771.56494,"end":771.96497,"sentiment":"neutral","sentiment_score":0.11508585512638092},{"text":"No.","start":771.96497,"end":772.20496,"sentiment":"neutral","sentiment_score":0.023732241243124008},{"text":"That's fine.","start":772.20496,"end":772.685,"sentiment":"neutral","sentiment_score":0.15260504186153412},{"text":"I'll have a chat soon because we're both looking at what we will do there.","start":772.685,"end":776.365,"sentiment":"neutral","sentiment_score":0.17830772896607716},{"text":"Anyway, I'll put the I'll definitely put the 12 for this year in.","start":776.365,"end":780.58997,"sentiment":"neutral","sentiment_score":0.2636494900171573}],"sentiment":"neutral","sentiment_score":0.20456523390021175,"num_words":32,"start":771.56494,"end":780.58997},{"sentences":[{"text":"And then mhmm.","start":781.52997,"end":787.47,"sentiment":"neutral","sentiment_score":0.09560372680425644},{"text":"Mhmm.","start":790.97,"end":791.47,"sentiment":"neutral","sentiment_score":0.061688974499702454},{"text":"Mhmm.","start":805.53503,"end":805.695,"sentiment":"neutral","sentiment_score":0.08172933012247086},{"text":"Okay.","start":805.695,"end":806.195,"sentiment":"neutral","sentiment_score":0.15787750482559204},{"text":"Mhmm.","start":811.83,"end":812.33,"sentiment":"neutral","sentiment_score":0.1704118698835373}],"sentiment":"neutral","sentiment_score":0.108359837106296,"num_words":7,"start":781.52997,"end":812.33},{"sentences":[{"text":"Mhmm.","start":821.445,"end":821.945,"sentiment":"positive","sentiment_score":0.4011772871017456},{"text":"Yeah.","start":837.26,"end":837.5,"sentiment":"neutral","sentiment_score":0.23919717967510223},{"text":"It does.","start":837.5,"end":837.89996,"sentiment":"neutral","sentiment_score":0.24776893109083176},{"text":"Yeah.","start":837.89996,"end":838.14,"sentiment":"neutral","sentiment_score":0.16979074478149414},{"text":"No.","start":838.14,"end":838.3,"sentiment":"neutral","sentiment_score":0.11734213680028915}],"sentiment":"neutral","sentiment_score":0.23717420175671577,"num_words":6,"start":821.445,"end":838.3},{"sentences":[{"text":"That's been good.","start":838.3,"end":839.1,"sentiment":"positive","sentiment_score":0.37049830953280133},{"text":"And this is handy to know that I can have a look into this too.","start":839.1,"end":843.04,"sentiment":"positive","sentiment_score":0.3936994433403015},{"text":"Mhmm.","start":855.16504,"end":855.66504,"sentiment":"neutral","sentiment_score":0.031172338873147964},{"text":"Mhmm.","start":855.885,"end":856.385,"sentiment":"neutral","sentiment_score":-0.026464922353625298},{"text":"Mhmm.","start":858.36505,"end":858.86505,"sentiment":"neutral","sentiment_score":-0.011910208500921726}],"sentiment":"positive","sentiment_score":0.33379922793912037,"num_words":21,"start":838.3,"end":858.86505},{"sentences":[{"text":"Oh, my preference will be retiring next year, but that's not gonna happen, is it?","start":901.15,"end":904.77,"sentiment":"neutral","sentiment_score":-0.11000671411554018},{"text":"But yes.","start":904.91003,"end":905.39,"sentiment":"neutral","sentiment_score":0.001175454817712307},{"text":"No.","start":905.39,"end":905.55,"sentiment":"neutral","sentiment_score":-0.13663707673549652},{"text":"We'll probably talk.","start":905.55,"end":906.61,"sentiment":"neutral","sentiment_score":-0.11877172688643138},{"text":"I don't really know.","start":907.925,"end":909.145,"sentiment":"neutral","sentiment_score":-0.13841402530670166}],"sentiment":"neutral","sentiment_score":-0.10777432642877102,"num_words":25,"start":901.15,"end":909.145},{"sentences":[{"text":"I'm hoping in the next five years, I can get a job that's not so full on and stuff.","start":910.805,"end":916.485,"sentiment":"neutral","sentiment_score":-0.1417391539404267},{"text":"But, yeah, maybe we'll look at 65 retirement.","start":916.485,"end":921.08,"sentiment":"neutral","sentiment_score":-0.010232956905383617},{"text":"So it's fifth fifteen years from '50 this year.","start":921.22003,"end":924.6,"sentiment":"neutral","sentiment_score":0.022698908371643886},{"text":"A 100 percent.","start":930.9,"end":931.62,"sentiment":"neutral","sentiment_score":0.13848542173703512},{"text":"Yeah.","start":931.62,"end":931.86,"sentiment":"neutral","sentiment_score":0.1430167853832245}],"sentiment":"neutral","sentiment_score":-0.050303608854301275,"num_words":40,"start":910.805,"end":931.86},{"sentences":[{"text":"We've got some inheritance coming our way too.","start":931.86,"end":934.66003,"sentiment":"neutral","sentiment_score":0.22151902690529823},{"text":"So, yeah, so that will go on a mortgage.","start":934.66003,"end":938.51495,"sentiment":"neutral","sentiment_score":0.12337052490976122},{"text":"So and my husband's stuck.","start":938.575,"end":940.33496,"sentiment":"neutral","sentiment_score":0.084774649143219},{"text":"He he earns the big bucks, so he he he gets quite a lot of bonuses and stuff throughout the year.","start":940.33496,"end":947.695,"sentiment":"neutral","sentiment_score":0.26187220996334437},{"text":"So we've got quite a bit now offset anyway.","start":947.695,"end":955.77997,"sentiment":"neutral","sentiment_score":0.06831272629400094}],"sentiment":"neutral","sentiment_score":0.18116329098120332,"num_words":52,"start":931.86,"end":955.77997},{"sentences":[{"text":"Mhmm.","start":962.955,"end":963.455,"sentiment":"neutral","sentiment_score":0.03903697431087494},{"text":"Yep.","start":969.91504,"end":970.41504,"sentiment":"neutral","sentiment_score":0.07125192880630493},{"text":"Oh, congratulations.","start":976.315,"end":976.97504,"sentiment":"positive","sentiment_score":0.5441281497478485},{"text":"Oh, no problem.","start":977.675,"end":978.655,"sentiment":"positive","sentiment_score":0.5474124451478323},{"text":"Yeah.","start":995.41504,"end":995.655,"sentiment":"neutral","sentiment_score":0.08112918585538864}],"sentiment":"positive","sentiment_score":0.3652389654889703,"num_words":8,"start":962.955,"end":995.655},{"sentences":[{"text":"Well, I'm planning on doing it this week.","start":995.655,"end":997.495,"sentiment":"neutral","sentiment_score":0.14008462615311146},{"text":"Is that well, not this week.","start":997.495,"end":998.935,"sentiment":"neutral","sentiment_score":0.00011634329954783122},{"text":"Obviously, it's Friday, but maybe next week.","start":998.935,"end":1001.195,"sentiment":"neutral","sentiment_score":0.026053142600825856},{"text":"Yep.","start":1002.615,"end":1003.115,"sentiment":"neutral","sentiment_score":0.10325515270233154},{"text":"Yeah.","start":1008.15,"end":1008.47003,"sentiment":"positive","sentiment_score":0.3696874678134918}],"sentiment":"neutral","sentiment_score":0.07724737772799056,"num_words":23,"start":995.655,"end":1008.47003},{"sentences":[{"text":"Awesome.","start":1008.47003,"end":1008.97003,"sentiment":"positive","sentiment_score":0.7051383256912231},{"text":"Yes.","start":1009.75,"end":1010.25,"sentiment":"neutral","sentiment_score":0.14787954092025757},{"text":"Mhmm.","start":1015.27,"end":1015.605,"sentiment":"neutral","sentiment_score":0.06135812029242515},{"text":"Mhmm.","start":1027.605,"end":1028.105,"sentiment":"neutral","sentiment_score":0.05578770115971565},{"text":"Okay.","start":1030.9501,"end":1031.4501,"sentiment":"neutral","sentiment_score":0.07029092311859131}],"sentiment":"neutral","sentiment_score":0.20809092223644257,"num_words":5,"start":1008.47003,"end":1031.4501},{"sentences":[{"text":"Yep.","start":1032.23,"end":1032.73,"sentiment":"neutral","sentiment_score":0.05929701775312424},{"text":"Okay.","start":1032.87,"end":1033.37,"sentiment":"neutral","sentiment_score":0.07121463119983673},{"text":"Yeah.","start":1040.15,"end":1040.39,"sentiment":"neutral","sentiment_score":0.05383099243044853},{"text":"That's fine.","start":1040.39,"end":1041.285,"sentiment":"neutral","sentiment_score":0.1619076207280159},{"text":"So yeah.","start":1041.525,"end":1042.5651,"sentiment":"neutral","sentiment_score":0.11072624102234842}],"sentiment":"neutral","sentiment_score":0.10423005212630544,"num_words":7,"start":1032.23,"end":1042.5651},{"sentences":[{"text":"Yeah.","start":1042.5651,"end":1042.9651,"sentiment":"neutral","sentiment_score":0.14593157172203064},{"text":"So I'll wait to hear from you again, and then I'll put that money in from there.","start":1042.9651,"end":1047.685,"sentiment":"neutral","sentiment_score":0.15084327319089105},{"text":"And then because I remember last year, I just did it, and then I think it just ended up being sent to the my tax account in any way in the end.","start":1047.685,"end":1054.9651,"sentiment":"neutral","sentiment_score":-0.009180742083117366},{"text":"I don't know how what he did, but he did something.","start":1054.9651,"end":1057.74,"sentiment":"neutral","sentiment_score":-0.0949434448372234},{"text":"So, yeah, happy to happy to be guided by you.","start":1058.2799,"end":1061.02,"sentiment":"positive","sentiment_score":0.5859228894114494}],"sentiment":"neutral","sentiment_score":0.10184978127059802,"num_words":71,"start":1042.5651,"end":1061.02},{"sentences":[{"text":"Not really sure.","start":1061.4,"end":1062.2999,"sentiment":"neutral","sentiment_score":-0.2834806541601817},{"text":"Mhmm.","start":1071.5549,"end":1072.0549,"sentiment":"neutral","sentiment_score":0.05215153098106384},{"text":"Okay.","start":1076.035,"end":1076.535,"sentiment":"positive","sentiment_score":0.36609911918640137},{"text":"Sounds great.","start":1076.595,"end":1077.415,"sentiment":"positive","sentiment_score":0.7607153356075287},{"text":"No.","start":1080.835,"end":1081.155,"sentiment":"neutral","sentiment_score":-0.2761601209640503}],"sentiment":"neutral","sentiment_score":0.1016349047422409,"num_words":8,"start":1061.4,"end":1081.155},{"sentences":[{"text":"I don't think so.","start":1081.155,"end":1082.455,"sentiment":"neutral","sentiment_score":-0.28249867632985115},{"text":"So I'll just wait to hear to book in a time for the pre assessment in regards to the insurance, and then I'll wait to hear from you maybe next week in regards to transferring the cash into super.","start":1084.5599,"end":1096.34,"sentiment":"neutral","sentiment_score":0.09850396063083257},{"text":"Yep.","start":1097.915,"end":1098.415,"sentiment":"neutral","sentiment_score":0.31696468591690063},{"text":"Mhmm.","start":1100.635,"end":1101.135,"sentiment":"neutral","sentiment_score":0.2744376063346863},{"text":"Mhmm.","start":1104.235,"end":1104.735,"sentiment":"neutral","sentiment_score":0.269234299659729}],"sentiment":"neutral","sentiment_score":0.07765861633031265,"num_words":46,"start":1081.155,"end":1104.735},{"sentences":[{"text":"Yep.","start":1114.21,"end":1114.71,"sentiment":"neutral","sentiment_score":0.19595883786678311},{"text":"Yep.","start":1115.01,"end":1115.51,"sentiment":"neutral","sentiment_score":0.19327279925346377},{"text":"Next if we're talking next week, any anytime, really.","start":1126.865,"end":1130.305,"sentiment":"neutral","sentiment_score":0.08714100470145543},{"text":"I can the days that I'm pretty booked up, but can you just tell me a time that I can make it work?","start":1130.305,"end":1136.005,"sentiment":"neutral","sentiment_score":0.08798842439832895},{"text":"Mhmm.","start":1142.7,"end":1143.2,"sentiment":"neutral","sentiment_score":0.060933031141757965}],"sentiment":"neutral","sentiment_score":0.09309049919247628,"num_words":35,"start":1114.21,"end":1143.2},{"sentences":[{"text":"Mhmm.","start":1150.0599,"end":1150.3099,"sentiment":"neutral","sentiment_score":0.039498429745435715},{"text":"No.","start":1150.3099,"end":1150.8099,"sentiment":"neutral","sentiment_score":-0.05766824260354042},{"text":"Yeah.","start":1153.185,"end":1153.345,"sentiment":"neutral","sentiment_score":0.09715741872787476},{"text":"That's correct.","start":1153.345,"end":1154.165,"sentiment":"neutral","sentiment_score":0.24128398299217224},{"text":"Yeah.","start":1164.83,"end":1165.15,"sentiment":"neutral","sentiment_score":0.12607748806476593}],"sentiment":"neutral","sentiment_score":0.11460550998648007,"num_words":6,"start":1150.0599,"end":1165.15},{"sentences":[{"text":"That's fine.","start":1165.15,"end":1166.1699,"sentiment":"neutral","sentiment_score":0.1701497733592987},{"text":"What time?","start":1166.19,"end":1167.01,"sentiment":"neutral","sentiment_score":0.048537762835621834},{"text":"How about 03:30 or four o'clock or whatever.","start":1172.67,"end":1179.355,"sentiment":"neutral","sentiment_score":0.04030368640087545},{"text":"Yep.","start":1179.415,"end":1179.915,"sentiment":"neutral","sentiment_score":0.07044170796871185},{"text":"03:30?","start":1180.2949,"end":1181.015,"sentiment":"neutral","sentiment_score":0.024802353233098984}],"sentiment":"neutral","sentiment_score":0.06107490177133253,"num_words":14,"start":1165.15,"end":1181.015},{"sentences":[{"text":"Okay.","start":1181.015,"end":1181.515,"sentiment":"neutral","sentiment_score":0.03324441611766815},{"text":"Mhmm.","start":1187.335,"end":1187.835,"sentiment":"neutral","sentiment_score":0.06819845736026764},{"text":"Yeah.","start":1191.12,"end":1191.5199,"sentiment":"neutral","sentiment_score":0.12685418128967285},{"text":"That's fine.","start":1191.5199,"end":1192.24,"sentiment":"neutral","sentiment_score":0.25582416355609894},{"text":"Yeah.","start":1192.24,"end":1192.48,"sentiment":"neutral","sentiment_score":0.2656153440475464}],"sentiment":"neutral","sentiment_score":0.1675934543212255,"num_words":6,"start":1181.015,"end":1192.48},{"sentences":[{"text":"That's fine.","start":1192.48,"end":1192.96,"sentiment":"positive","sentiment_score":0.351903960108757},{"text":"I'm pretty clear from 03:30 onwards.","start":1192.96,"end":1195.0599,"sentiment":"neutral","sentiment_score":0.3128172407547633},{"text":"So that's fine.","start":1195.12,"end":1196.5599,"sentiment":"positive","sentiment_score":0.34936384359995526},{"text":"Alright.","start":1196.5599,"end":1197.0399,"sentiment":"neutral","sentiment_score":0.08774208277463913},{"text":"So I'll hear from someone next Thursday, the seventh at 03:30.","start":1197.0399,"end":1201.1399,"sentiment":"neutral","sentiment_score":0.10913045636632225}],"sentiment":"neutral","sentiment_score":0.21378173905870188,"num_words":23,"start":1192.48,"end":1201.1399},{"sentences":[{"text":"Wonderful.","start":1212.1951,"end":1212.6951,"sentiment":"positive","sentiment_score":0.8637599349021912},{"text":"Thank you so much.","start":1212.835,"end":1213.975,"sentiment":"positive","sentiment_score":0.8834772258996964},{"text":"You too.","start":1217.1089,"end":1217.8489,"sentiment":"positive","sentiment_score":0.459871381521225},{"text":"Take care.","start":1218.0688,"end":1218.549,"sentiment":"positive","sentiment_score":0.4632613956928253},{"text":"Bye bye.","start":1218.549,"end":1219.289,"sentiment":"neutral","sentiment_score":0.25092701613903046}],"sentiment":"positive","sentiment_score":0.6132534932006489,"num_words":11,"start":1212.1951,"end":1219.289}]}}]}],"paragraphs":{"transcript":"\nChannel 1: This is Kate.\n\nChannel 0: Good afternoon, Kelly. It's Tommy here, senior adviser from Oakview. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm doing absolutely fantastic. Thank you for asking. I'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing. Do you still have a bit of time for me?\n\nChannel 1: Yes. Yes. I do.\n\nChannel 0: Perfect. Perfect. So just before I jump into it, usual process, are you okay for the call to be recorded?\n\nChannel 1: Sure. No problem.\n\nChannel 0: Amazing. For the security of your account, I am registered with ASIC as Adviser1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Sure. It's 09/04/1976, and address is 9 Priscilla Place, Waltham Hill.\n\nChannel 0: Sensational. Thank you so much for that, Kelly. I've just been going through the notes on your file from previous conversations in your recent call with us,\n\nChannel 1: Mhmm.\n\nChannel 0: and it looks like you've actually gone through and completed an echocardiogram. Is that correct?\n\nChannel 1: Yeah. I do. But I actually don't have the results of of me to yes. I did do an echocardiogram, and I came\n\nChannel 0: Yep.\n\nChannel 1: up negative for cardio in myopathy.\n\nChannel 0: Amazing.\n\nChannel 1: So so I just wanna have a chat about, a, how you're gonna get those results. I'll have to probably provide you who I went through and\n\nChannel 0: Yeah.\n\nChannel 1: also what I can do with my insurances because I I know we were sort of a bit stunted with that because of the\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Waiting for the results on that.\n\nChannel 0: Perfect. Perfect. So, yeah, when we go through an insurance application and we put down that there's been, like, recent investigations, they will likely do a PMAR, p m a r, which is a doctor's report request through to the attending medical professional. So we\n\nChannel 1: Mhmm.\n\nChannel 0: could definitely take down, like, GP and specialist details, and they can shoot that off in the background and get all that information once we've submitted an application, if that makes\n\nChannel 1: Mhmm.\n\nChannel 0: sense.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, we do have some sort of preliminary checks that we were looking at, so the types and amounts of cover we were going to apply for. Do you mind if I just check if that's still\n\nChannel 1: Mhmm.\n\nChannel 0: accurate\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Sure.\n\nChannel 0: you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Cool. So we were kind of looking at about a million dollars worth of life and total disability insurance really\n\nChannel 1: Mhmm.\n\nChannel 0: to cover off all of the debts and liabilities.\n\nChannel 1: Yep.\n\nChannel 0: So I think we had, like, a mortgage of about 850,000, a little bit of an investment property loan for $2.90, and it was really just clear all the debts.\n\nChannel 1: Yeah. That's right. Yep.\n\nChannel 0: Yep. We were looking at some income protection, which maxes out at 70% of your income.\n\nChannel 1: Mhmm.\n\nChannel 0: And just double checking that, last check was a 145,000 per year was the income.\n\nChannel 1: Yep. Yep. That's about right.\n\nChannel 0: Yep. We were going to do quotes for a ninety day waiting period and a five year benefit period. So the whole trade off there was make the\n\nChannel 1: Yep.\n\nChannel 0: premiums a little bit more affordable, but you'd have to kind of look after yourself for a couple of months with some savings and things\n\nChannel 1: Mhmm.\n\nChannel 0: like that, which you did have quite a bit in\n\nChannel 1: Yep.\n\nChannel 0: your offset\n\nChannel 1: That's\n\nChannel 0: at the time. Cool. Five year benefit period kind of being a good middle grounds where\n\nChannel 1: fine.\n\nChannel 0: it'll cover you for short and medium term illness and injury with\n\nChannel 1: Mhmm.\n\nChannel 0: income replacement. And if anything goes longer than five years, it'll likely be a TBD claim for that full lump sum.\n\nChannel 1: Sure.\n\nChannel 0: K. Does that sound appropriate?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Brilliant. The only one we weren't going for was, like, trauma insurance, which is out of pocket only for, like, heart attack, stroke, and cancer. We were really just trying to get the three covers that can go through your superannuation.\n\nChannel 1: Mhmm. Yep. That's fine.\n\nChannel 0: K? I'm just gonna quickly check the details that we have in case it's changed, but you're still your occupation hasn't changed from the sales and marketing manager.\n\nChannel 1: No. It's still the same.\n\nChannel 0: Perfect. You've got private health insurance. I think BMI\n\nChannel 1: Mhmm.\n\nChannel 0: was fine. Nonsmokers still?\n\nChannel 1: Nunspanker. Yep.\n\nChannel 0: Perfect. Outside of that, because that echocardiogram was more I believe it was just an investigation for, like, extended family just to make sure that it wasn't linking in with family history. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Was there any other diagnoses that you'd had previously in terms of an illness or an injury?\n\nChannel 1: No. No.\n\nChannel 0: K. Any current health concerns?\n\nChannel 1: I do have high cholesterol,\n\nChannel 0: Yep. Amazing.\n\nChannel 1: which is annoying. And I am I I had a episode of high blood pressure before Christmas, and it's the reason why we went through the egotardogram, etcetera. So I\n\nChannel 0: Yep.\n\nChannel 1: am on low dose medication, and I probably will be for six months.\n\nChannel 0: Low dose medication for six\n\nChannel 1: Mhmm.\n\nChannel 0: months. Now when\n\nChannel 1: Mhmm.\n\nChannel 0: it comes to cholesterol and blood pressure, they\n\nChannel 1: Mhmm.\n\nChannel 0: usually like to get some readings for that and just make sure it is stable levels.\n\nChannel 1: Yep.\n\nChannel 0: Have you had\n\nChannel 1: Mhmm.\n\nChannel 0: any recent tests that have come\n\nChannel 1: I\n\nChannel 0: back as stable?\n\nChannel 1: yeah. Yeah. They have so that would be the doctor and also the cardiologist would have that.\n\nChannel 0: Doctor and cardiologist\n\nChannel 1: Yep.\n\nChannel 0: would have that. Perfect. Now one of the things that we can do is if that's all looking pretty good, we\n\nChannel 1: Yes.\n\nChannel 0: can always just finalize an advice document to run through with you, make sure you're happy, and organize an application. And then\n\nChannel 1: Mhmm.\n\nChannel 0: we basically let the insurers shoot that off to the doctors and come back through their underwriting process with an outcome of whether it'll be standard across the board, if there's gonna be any loadings or exclusions due to, like, the cholesterol and blood pressure.\n\nChannel 1: Mhmm.\n\nChannel 0: Or we can do, like, a bit of an anonymous pre assessment where we get the detail from you and then call the insurers and kind of double check what the likely outcome will be. So I'm happy to be guided by you on that, which way you'd prefer to go.\n\nChannel 1: What do my people do? I don't know.\n\nChannel 0: So\n\nChannel 1: Whatever.\n\nChannel 0: the safest way is to pre\n\nChannel 1: Yeah.\n\nChannel 0: assess it, but it does mean kind of going through those medical questions in-depth for about twenty minutes on a recorded\n\nChannel 1: Yeah.\n\nChannel 0: line with Jack, one of my implementers.\n\nChannel 1: Mhmm.\n\nChannel 0: That's the safest way to do it. Or if we're comfortable to kind of just shoot the shot, so to speak, we should get back a reasonable outcome. But it's just about how safe we wanna be about it.\n\nChannel 1: Okay. Well, yeah, I'll do the pre assessment just one then.\n\nChannel 0: K. Amazing. I'm just checking my notes from previous calls to see if there was anything\n\nChannel 1: Mhmm.\n\nChannel 0: else we were doing because we were obviously going to factor in the premiums on the impact it would have on your super, make sure that's not too expensive.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got, you know, a debt income replacements. We had a bit of a standard retirement goal using the government figures to kind of project it against. And\n\nChannel 1: Mhmm.\n\nChannel 0: if you were happy, we were kind of just gonna do a ten year impact because retirement is still so far away for you. Outside of that, I don't believe there was anything else we were kind of changing at this point.\n\nChannel 1: Mhmm.\n\nChannel 0: Was there any other advice that you felt like you wanted to talk about?\n\nChannel 1: Yes. So we just want to I just wanna see how much I can contribute to my super fund for tax reasons. So what's\n\nChannel 0: Oh,\n\nChannel 1: the\n\nChannel 0: that's\n\nChannel 1: sort of\n\nChannel 0: right.\n\nChannel 1: cap\n\nChannel 0: End\n\nChannel 1: that\n\nChannel 0: of financial\n\nChannel 1: I can\n\nChannel 0: year. Yeah.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Cool. So two quick areas there. If you're on a 145,000 and they're giving you the standard 12%, that will give you sorry. I'm just gonna do a double calculation here. Alright.\n\nSo the standard 12% puts you at about 17,400, and the\n\nChannel 1: Mhmm.\n\nChannel 0: cap is for this financial year, 30,000. It's about to go up next financial year.\n\nChannel 1: Okay.\n\nChannel 0: So what that kind of leaves you with safely, about 10 or $12 that could go in as a bit of a lump sum, and that gets claimed. The full 37 percent would be kind of claimed via tax return. And then when\n\nChannel 1: Mhmm.\n\nChannel 0: the money goes into super, they will take out the 15% super tax. Your net benefit is the the the difference between the two, the 22%, but you would get the full chunk back, basically\n\nChannel 1: Yep.\n\nChannel 0: a third.\n\nChannel 1: So we did this last year as well. I'm just wondering because I know it's it's and that you can look at it over a five year period. Is that correct?\n\nChannel 0: Yes.\n\nChannel 1: To\n\nChannel 0: So\n\nChannel 1: sort of\n\nChannel 0: the\n\nChannel 1: say\n\nChannel 0: bring\n\nChannel 1: so\n\nChannel 0: forward rule clicks\n\nChannel 1: yeah.\n\nChannel 0: back\n\nChannel 1: That's\n\nChannel 0: five\n\nChannel 1: one.\n\nChannel 0: financial years in not including this financial year. So this financial year is also on its own. Your\n\nChannel 1: Yeah.\n\nChannel 0: myGov account will actually give you a full breakdown and\n\nChannel 1: Okay.\n\nChannel 0: a a total estimate going back five financial years. So if you do have the ability to get into your myGov account on the ATO section, there is a super button that will give you the exact figures.\n\nChannel 1: Mhmm. Okay. That's good to know.\n\nChannel 0: Now\n\nChannel 1: But\n\nChannel 0: I\n\nChannel 1: this\n\nChannel 0: can\n\nChannel 1: year, I\n\nChannel 0: kind of\n\nChannel 1: can put\n\nChannel 0: guide\n\nChannel 1: in a\n\nChannel 0: you through that\n\nChannel 1: yeah.\n\nChannel 0: if\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: like.\n\nChannel 1: so I'm yeah. I'm just trying to frantically find myGov. Yep. There we go.\n\nChannel 0: And, look, no rush. If you do have a couple of minutes, I do remember the buttons to press to get on there, but I can even go into my own login as\n\nChannel 1: No.\n\nChannel 0: well and\n\nChannel 1: I've\n\nChannel 0: kind\n\nChannel 1: got\n\nChannel 0: of guide\n\nChannel 1: I'm\n\nChannel 0: you through\n\nChannel 1: just\n\nChannel 0: it.\n\nChannel 1: logging into myGov. I've got in there now now, and I'll just select the tax. Okay. Australian tax office\n\nChannel 0: Yep.\n\nChannel 1: service.\n\nChannel 0: That's the one.\n\nChannel 1: Yeah. And, of course, it doesn't\n\nChannel 0: Yeah.\n\nChannel 1: work\n\nChannel 0: This is always the way.\n\nChannel 1: from us. There you go. Okay. So okay. So I've got check my CC balance.\n\nChannel 0: So above\n\nChannel 1: Is is that\n\nChannel 0: that,\n\nChannel 1: what I need? Yep.\n\nChannel 0: we've got there's a little menu button at the top left. And\n\nChannel 1: Yep.\n\nChannel 0: when you get that menu, there's a super button,\n\nChannel 1: Yep.\n\nChannel 0: and it should come up with fund details, information, and manage. Can you see\n\nChannel 1: Yes.\n\nChannel 0: those?\n\nChannel 1: Mhmm.\n\nChannel 0: If you hit the middle one, which is information, you'll see about halfway down, carry forward concessional contributions.\n\nChannel 1: Yep.\n\nChannel 0: K? Once you do that, it should list 2526 financial\n\nChannel 1: Yep.\n\nChannel 0: year. It will tell you\n\nChannel 1: Yeah.\n\nChannel 0: total super balance, and below that, it should have a green bubble saying eligible and the total amount of eligibility.\n\nChannel 1: Right. The unused concessional contribution available carry forward, and I've got $63,000.\n\nChannel 0: 63,000. And can you give me the exact there, please? 63\n\nChannel 1: Yes. $53,837.04.\n\nChannel 0: and 4¢. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: So that is lump sum available going backwards, including that other 12,000 for this financial year\n\nChannel 1: Including, did you say? Yep. Yep.\n\nChannel 0: separate to that. So you could do technically 75,000.\n\nChannel 1: Right. Okay. Okay.\n\nChannel 0: And the way that kind of breaks down just so you can see is there's a\n\nChannel 1: Yep.\n\nChannel 0: show details button in the white section,\n\nChannel 1: Yep.\n\nChannel 0: and it basically breaks down each year the total\n\nChannel 1: Yeah.\n\nChannel 0: cap, total contributions, and then for every year under it, it says what the cap was, what you put in, and what was unused for each year. That's\n\nChannel 1: And do you rec yes. Sorry. Go\n\nChannel 0: yeah.\n\nChannel 1: on. Cut it off.\n\nChannel 0: I was just gonna say it's more for if you have to do a rolling amount, like if you wanted to salary sacrifice weekly to try and tick this off one, two, three, four, five years, it becomes very important to look at the details of every single year. If you're just doing a lump sum, that total at the\n\nChannel 1: Mhmm.\n\nChannel 0: top is perfectly fine.\n\nChannel 1: Right. Do you recommend doing that? Do you\n\nChannel 0: Oh,\n\nChannel 1: recommend putting in that 63,000 into super?\n\nChannel 0: so that\n\nChannel 1: You\n\nChannel 0: is a fantastic question. Putting in that amenity of super is gonna have a huge impact on both your taxes\n\nChannel 1: know?\n\nChannel 0: and also\n\nChannel 1: Yep.\n\nChannel 0: on your retirement growth, but there's two trade offs. What\n\nChannel 1: Yep.\n\nChannel 0: else could that money be used for in terms of mortgage, other cash flow goals that you might need it for?\n\nChannel 1: Mhmm.\n\nChannel 0: Is there anything important for you guys? Because I know we're gonna you're gonna look at a pretty big renovation for the backyard, which is gonna be a pretty big one.\n\nChannel 1: Yeah. Alright. No. That's fine. I'll have a chat soon because we're both looking at what we will do there.\n\nAnyway, I'll put the\n\nChannel 0: Yep.\n\nChannel 1: I'll definitely put the 12 for this year in.\n\nChannel 0: Yep. And\n\nChannel 1: And\n\nChannel 0: the\n\nChannel 1: then\n\nChannel 0: last thing to check is your your tax brackets. So, basically,\n\nChannel 1: mhmm.\n\nChannel 0: the if you're on a 145,000,\n\nChannel 1: Mhmm.\n\nChannel 0: the first 10,000 is gonna have the most impact because that's your 37 percent plus Medicare bracket. Then anything between 45 and a 135 is that 32% bracket.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: So it pretty much gives you, if you wanted to go to the full maximum impact possible, if\n\nChannel 1: Mhmm.\n\nChannel 0: I go a 140 well, technically, that's flat figures, a $100,000 of some pretty good benefit that you could do. So, yes,\n\nChannel 1: Mhmm.\n\nChannel 0: if you got that 70 something in there, you would get a pretty good tax savings across the board and pretty big impact on the super. Again, renovations and things like that too. And I'm just double checking your balance as well. But does that kinda make sense?\n\nChannel 1: Yeah. It does. Yeah. No. That's been good.\n\nAnd this is handy to know that I can have a look into this too.\n\nChannel 0: And I've just got your Hub twenty four account open because there's also of course, anything you put in soup is locked away until preservation age,\n\nChannel 1: Mhmm.\n\nChannel 0: so you've\n\nChannel 1: Mhmm.\n\nChannel 0: gotta be okay to be without it.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got you're at 438,000 at the moment, which is a pretty healthy balance, to be honest. And just looking at risk level, yep, a lot of growth assets, so some pretty high long term returns there. Really good contributions coming in. The last thing I'm gonna check is time frames for two seconds. So we are getting to that last last period here.\n\nWere you kind of aiming for, like, earlier retirement towards age 60, or are we still kind of aiming for that fifteen years closer to the age pension age?\n\nChannel 1: Oh, my preference will be retiring next year, but that's not gonna happen, is it? But yes. No. We'll probably talk. I don't really know.\n\nI'm hoping in the next five years, I can get a job that's not so full on and stuff. But, yeah, maybe we'll look at 65 retirement. So it's fifth fifteen years from '50\n\nChannel 0: Would you consider\n\nChannel 1: this year.\n\nChannel 0: I'm looking at your your mortgage level. Do you think it's pretty accurate that you'll have that mortgage finished off\n\nChannel 1: A 100\n\nChannel 0: by\n\nChannel 1: percent. Yeah. We've got some inheritance coming our way too. So,\n\nChannel 0: yep.\n\nChannel 1: yeah, so that will go on a mortgage. So and my husband's stuck. He he earns the big bucks, so he he he gets quite a lot of bonuses and stuff throughout the year. So we've got quite a bit now\n\nChannel 0: Yeah. So what I might do, would it be helpful,\n\nChannel 1: offset\n\nChannel 0: I'm\n\nChannel 1: anyway.\n\nChannel 0: going to update your advice document for the insurances, and I'll add in that 12,000 of concessional contributions.\n\nChannel 1: Mhmm.\n\nChannel 0: I'll do a projection there and kind of base it against that retirement goal and give you\n\nChannel 1: Yep.\n\nChannel 0: a bit of an indication of what that looks like. Now I am going on paternity leave in June. Got her daughter\n\nChannel 1: Oh, congratulations.\n\nChannel 0: on the way. The\n\nChannel 1: Oh,\n\nChannel 0: two boys\n\nChannel 1: no problem.\n\nChannel 0: are very excited. So I really wanna get this organized with you before I go because that'll chop up the end of financial year quite quickly. So the two things to keep in mind is that we need to make sure any contributions are received by the fund before June 30.\n\nChannel 1: Yeah.\n\nChannel 0: And,\n\nChannel 1: Well,\n\nChannel 0: you\n\nChannel 1: I'm\n\nChannel 0: know,\n\nChannel 1: planning on doing it this week. Is that well, not this week. Obviously, it's Friday, but maybe next week.\n\nChannel 0: yep, and\n\nChannel 1: Yep.\n\nChannel 0: once that's in there, we will help you with a notice of intent to claim form where we\n\nChannel 1: Yeah.\n\nChannel 0: pretty much\n\nChannel 1: Awesome.\n\nChannel 0: fill out. You've put in\n\nChannel 1: Yes.\n\nChannel 0: 12. We're gonna claim all 12, submit that with your signature to the fund. They then\n\nChannel 1: Mhmm.\n\nChannel 0: code that to the tax office as long as that's been accepted and you get an acceptance letter back before you submit your tax return. I know some people, July 1, will submit it, like, a day later.\n\nChannel 1: Mhmm.\n\nChannel 0: Just we're just gonna make sure that comes back first.\n\nChannel 1: Okay. Yep.\n\nChannel 0: K? I'll\n\nChannel 1: Okay.\n\nChannel 0: put all of that in the document. Would you like to maybe just wait a week or so, and I'll walk you through that document in-depth, and we'll kind\n\nChannel 1: Yeah.\n\nChannel 0: of do\n\nChannel 1: That's\n\nChannel 0: it all\n\nChannel 1: fine.\n\nChannel 0: alongside each other.\n\nChannel 1: So\n\nChannel 0: Would that be easier?\n\nChannel 1: yeah. Yeah. So I'll wait to hear from you again, and then I'll put that money in from there. And then because I remember last year, I just did it, and then I think it just ended up being sent to the my tax account in any way in the end. I don't\n\nChannel 0: Yeah.\n\nChannel 1: know how what he did, but he did something. So, yeah, happy to happy to be guided by you. Not really\n\nChannel 0: Perfect.\n\nChannel 1: sure.\n\nChannel 0: And, again, I'll update that projection against the retirement goal. If you wanna go a little bit above that with the carry forward to try and ensure that you reach the goal, we can have\n\nChannel 1: Mhmm.\n\nChannel 0: that discussion too. But I just wanna give you a good baseline for what you're looking at.\n\nChannel 1: Okay. Sounds great.\n\nChannel 0: Awesome. Any questions for me, Kelly?\n\nChannel 1: No. I don't think so. So I'll just wait to hear to book in a time for the pre assessment in regards to the insurance, and then I'll wait to hear from you maybe next week in regards to transferring the cash into super.\n\nChannel 0: Yeah. So I think the\n\nChannel 1: Yep.\n\nChannel 0: best one to go about it, if it's okay for you, is\n\nChannel 1: Mhmm.\n\nChannel 0: I can book you in a time for the pre assessment now,\n\nChannel 1: Mhmm.\n\nChannel 0: and then we'll have done the research in the backgrounds, put together that document, and the team can book you in for the following week to just finalize the advice and implement it, if that's okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now we do have quite a bit of late night availability if that helps, but what would be a good day and time for you?\n\nChannel 1: Next if we're talking next week, any anytime, really. I can the days that I'm pretty booked up, but can you just tell me a time that I can make it work?\n\nChannel 0: Okay. Alright. I'll try and keep it to, again, less than half an hour just to get those details, and we'll run off and do our phone\n\nChannel 1: Mhmm.\n\nChannel 0: calls around the industry. You are in New South Wales, and I'm assuming we don't have daylight savings now. Thank gosh for that.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: No.\n\nChannel 0: it's almost 01:00 your time.\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Perfect. Alrighty. I believe best days. Could we potentially could we potentially do Thursday?\n\nChannel 1: Yeah. That's fine. What\n\nChannel 0: K.\n\nChannel 1: time?\n\nChannel 0: I could do any time in the afternoon.\n\nChannel 1: How about 03:30\n\nChannel 0: Three thirty.\n\nChannel 1: or four\n\nChannel 0: Done.\n\nChannel 1: o'clock or whatever. Yep.\n\nChannel 0: Yep.\n\nChannel 1: 03:30?\n\nChannel 0: Three thirty\n\nChannel 1: Okay.\n\nChannel 0: or 04:00. What we can do is we'll send you a text reminder and, like, a confirmation of the booking.\n\nChannel 1: Mhmm.\n\nChannel 0: If you need to adjust that by half an hour, just let us know. We're pretty\n\nChannel 1: Yeah.\n\nChannel 0: flexible.\n\nChannel 1: That's fine. Yeah. That's fine. I'm pretty clear from 03:30 onwards. So that's fine.\n\nAlright. So I'll hear from someone next Thursday, the seventh at 03:30.\n\nChannel 0: Yep. And I'll get basically 80% of the plan done before then. We'll double check some of the medical side of things, and we can finalize all that together the following week, and then you are good to go.\n\nChannel 1: Wonderful. Thank you so much.\n\nChannel 0: Awesome, Kelly. You have a fantastic weekend, and we'll talk to you\n\nChannel 1: You\n\nChannel 0: next week.\n\nChannel 1: too. Take care. Bye bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"This is Kate.","start":0.0,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.033087968826293945}],"sentiment":"neutral","sentiment_score":0.033087968826293945,"channel":1,"num_words":3,"start":0.0,"end":2.1799998},{"sentences":[{"text":"Good afternoon, Kelly.","start":3.12,"end":4.08,"sentiment":"neutral","sentiment_score":0.19294744729995728},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.1624298095703125},{"text":"How are you going?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.15416723489761353}],"sentiment":"neutral","sentiment_score":0.16660856774875096,"channel":0,"num_words":14,"start":3.12,"end":7.3799996},{"sentences":[{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.3228928744792938},{"text":"Thank you.","start":7.7599998,"end":8.24,"sentiment":"positive","sentiment_score":0.47997522354125977},{"text":"How are you?","start":8.24,"end":8.98,"sentiment":"neutral","sentiment_score":0.2823040684064229}],"sentiment":"positive","sentiment_score":0.3549592544635137,"channel":1,"num_words":6,"start":7.44,"end":8.98},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":8.96,"end":10.66,"sentiment":"positive","sentiment_score":0.720870852470398},{"text":"Thank you for asking.","start":10.8,"end":11.86,"sentiment":"positive","sentiment_score":0.7059239596128464},{"text":"I'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing.","start":12.125,"end":19.725,"sentiment":"neutral","sentiment_score":0.12365585274022559},{"text":"Do you still have a bit of time for me?","start":19.725,"end":21.585,"sentiment":"neutral","sentiment_score":0.039660441875457766}],"sentiment":"neutral","sentiment_score":0.2182406897588474,"channel":0,"num_words":41,"start":8.96,"end":21.585},{"sentences":[{"text":"Yes.","start":21.845,"end":22.244999,"sentiment":"neutral","sentiment_score":0.05535111576318741},{"text":"Yes.","start":22.244999,"end":22.485,"sentiment":"neutral","sentiment_score":0.06788872182369232},{"text":"I do.","start":22.485,"end":23.145,"sentiment":"neutral","sentiment_score":0.1215624585747719}],"sentiment":"neutral","sentiment_score":0.09159118868410587,"channel":1,"num_words":4,"start":21.845,"end":23.145},{"sentences":[{"text":"Perfect.","start":23.404999,"end":23.885,"sentiment":"neutral","sentiment_score":0.3203640580177307},{"text":"Perfect.","start":23.885,"end":24.205,"sentiment":"neutral","sentiment_score":0.2422962486743927},{"text":"So just before I jump into it, usual process, are you okay for the call to be recorded?","start":24.205,"end":28.01,"sentiment":"neutral","sentiment_score":0.05708530234793822}],"sentiment":"neutral","sentiment_score":0.07950978744775057,"channel":0,"num_words":20,"start":23.404999,"end":28.01},{"sentences":[{"text":"Sure.","start":28.564999,"end":29.044998,"sentiment":"neutral","sentiment_score":0.06657079607248306},{"text":"No problem.","start":29.044998,"end":29.785,"sentiment":"neutral","sentiment_score":0.1495576873421669}],"sentiment":"neutral","sentiment_score":0.12189539025227229,"channel":1,"num_words":3,"start":28.564999,"end":29.785},{"sentences":[{"text":"Amazing.","start":29.51,"end":30.01,"sentiment":"neutral","sentiment_score":0.22135008871555328},{"text":"For the security of your account, I am registered with ASIC as Adviser1273105.","start":30.470001,"end":36.55,"sentiment":"neutral","sentiment_score":0.130115212729344},{"text":"Are you okay to confirm your date of birth and address, please?","start":36.55,"end":39.645,"sentiment":"neutral","sentiment_score":0.06364124982307355}],"sentiment":"neutral","sentiment_score":0.10294395584899646,"channel":0,"num_words":26,"start":29.51,"end":39.645},{"sentences":[{"text":"Sure.","start":40.16,"end":40.64,"sentiment":"neutral","sentiment_score":0.01954137906432152},{"text":"It's 09/04/1976, and address is 9 Priscilla Place, Waltham Hill.","start":40.64,"end":47.614998,"sentiment":"neutral","sentiment_score":0.034985045064240695}],"sentiment":"neutral","sentiment_score":0.0335810754278844,"channel":1,"num_words":11,"start":40.16,"end":47.614998},{"sentences":[{"text":"Sensational.","start":48.285,"end":48.785,"sentiment":"neutral","sentiment_score":0.054930299520492554},{"text":"Thank you so much for that, Kelly.","start":49.005,"end":50.545,"sentiment":"positive","sentiment_score":0.34605235287121366},{"text":"I've just been going through the notes on your file from previous conversations in your recent call with us,","start":51.085,"end":57.04,"sentiment":"neutral","sentiment_score":0.12379479761186399}],"sentiment":"neutral","sentiment_score":0.17886658978682976,"channel":0,"num_words":27,"start":48.285,"end":57.04},{"sentences":[{"text":"Mhmm.","start":57.19,"end":57.69,"sentiment":"neutral","sentiment_score":0.06064637377858162}],"sentiment":"neutral","sentiment_score":0.06064637377858162,"channel":1,"num_words":1,"start":57.19,"end":57.69},{"sentences":[{"text":"and it looks like you've actually gone through and completed an echocardiogram.","start":57.26,"end":60.8,"sentiment":"neutral","sentiment_score":0.017661974998191},{"text":"Is that correct?","start":61.34,"end":62.16,"sentiment":"neutral","sentiment_score":0.018941556413968403}],"sentiment":"neutral","sentiment_score":0.01791789128134648,"channel":0,"num_words":15,"start":57.26,"end":62.16},{"sentences":[{"text":"Yeah.","start":62.629997,"end":62.949997,"sentiment":"neutral","sentiment_score":-0.013527214527130129},{"text":"I do.","start":62.949997,"end":63.269997,"sentiment":"neutral","sentiment_score":-0.019275149330496788},{"text":"But I actually don't have the results of of me to yes.","start":63.269997,"end":67.99,"sentiment":"neutral","sentiment_score":-0.1509584623078505},{"text":"I did do an echocardiogram, and I came","start":67.99,"end":70.47,"sentiment":"neutral","sentiment_score":-0.09262635558843613}],"sentiment":"neutral","sentiment_score":-0.11324303937347038,"channel":1,"num_words":23,"start":62.629997,"end":70.47},{"sentences":[{"text":"Yep.","start":70.235,"end":70.735,"sentiment":"neutral","sentiment_score":-0.09616656601428986}],"sentiment":"neutral","sentiment_score":-0.09616656601428986,"channel":0,"num_words":1,"start":70.235,"end":70.735},{"sentences":[{"text":"up negative for cardio in myopathy.","start":70.47,"end":72.25,"sentiment":"neutral","sentiment_score":-0.16467217355966568}],"sentiment":"neutral","sentiment_score":-0.16467217355966568,"channel":1,"num_words":6,"start":70.47,"end":72.25},{"sentences":[{"text":"Amazing.","start":73.034996,"end":73.534996,"sentiment":"neutral","sentiment_score":-0.0309484601020813}],"sentiment":"neutral","sentiment_score":-0.0309484601020813,"channel":0,"num_words":1,"start":73.034996,"end":73.534996},{"sentences":[{"text":"So so I just wanna have a chat about, a, how you're gonna get those results.","start":74.564995,"end":79.625,"sentiment":"neutral","sentiment_score":-0.003148507617879659},{"text":"I'll have to probably provide you who I went through 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reach the goal, we can have","start":1065.56,"end":1071.665,"sentiment":"neutral","sentiment_score":0.23509146451950072}],"sentiment":"neutral","sentiment_score":0.2247654043138027,"channel":0,"num_words":35,"start":1062.1201,"end":1071.665},{"sentences":[{"text":"Mhmm.","start":1071.5549,"end":1072.0549,"sentiment":"neutral","sentiment_score":0.05215153098106384}],"sentiment":"neutral","sentiment_score":0.05215153098106384,"channel":1,"num_words":1,"start":1071.5549,"end":1072.0549},{"sentences":[{"text":"that discussion too.","start":1071.665,"end":1072.705,"sentiment":"neutral","sentiment_score":0.12098623812198639},{"text":"But I just wanna give you a good baseline for what you're looking at.","start":1072.705,"end":1075.525,"sentiment":"neutral","sentiment_score":0.2288793921470642}],"sentiment":"neutral","sentiment_score":0.20983942378969753,"channel":0,"num_words":17,"start":1071.665,"end":1075.525},{"sentences":[{"text":"Okay.","start":1076.035,"end":1076.535,"sentiment":"positive","sentiment_score":0.36609911918640137},{"text":"Sounds great.","start":1076.595,"end":1077.415,"sentiment":"positive","sentiment_score":0.7607153356075287}],"sentiment":"positive","sentiment_score":0.6291765968004862,"channel":1,"num_words":3,"start":1076.035,"end":1077.415},{"sentences":[{"text":"Awesome.","start":1077.905,"end":1078.385,"sentiment":"positive","sentiment_score":0.7259488701820374},{"text":"Any questions for me, Kelly?","start":1078.385,"end":1080.325,"sentiment":"neutral","sentiment_score":0.18089398741722107}],"sentiment":"neutral","sentiment_score":0.2717364678780238,"channel":0,"num_words":6,"start":1077.905,"end":1080.325},{"sentences":[{"text":"No.","start":1080.835,"end":1081.155,"sentiment":"neutral","sentiment_score":-0.2761601209640503},{"text":"I don't think so.","start":1081.155,"end":1082.455,"sentiment":"neutral","sentiment_score":-0.28249867632985115},{"text":"So I'll just wait to hear to book in a time for the pre assessment in regards to the insurance, and then I'll wait to hear from you maybe next week in regards to transferring the cash into super.","start":1084.5599,"end":1096.34,"sentiment":"neutral","sentiment_score":0.09850396063083257}],"sentiment":"neutral","sentiment_score":0.05535226450725035,"channel":1,"num_words":44,"start":1080.835,"end":1096.34},{"sentences":[{"text":"Yeah.","start":1097.045,"end":1097.285,"sentiment":"neutral","sentiment_score":0.1820928156375885},{"text":"So I think the","start":1097.285,"end":1097.925,"sentiment":"neutral","sentiment_score":0.22573108598589897}],"sentiment":"neutral","sentiment_score":0.2170034319162369,"channel":0,"num_words":5,"start":1097.045,"end":1097.925},{"sentences":[{"text":"Yep.","start":1097.915,"end":1098.415,"sentiment":"neutral","sentiment_score":0.31696468591690063}],"sentiment":"neutral","sentiment_score":0.31696468591690063,"channel":1,"num_words":1,"start":1097.915,"end":1098.415},{"sentences":[{"text":"best one to go about it, if it's okay for you, is","start":1097.925,"end":1100.9651,"sentiment":"neutral","sentiment_score":0.32219217841823894}],"sentiment":"neutral","sentiment_score":0.32219217841823894,"channel":0,"num_words":12,"start":1097.925,"end":1100.9651},{"sentences":[{"text":"Mhmm.","start":1100.635,"end":1101.135,"sentiment":"neutral","sentiment_score":0.2744376063346863}],"sentiment":"neutral","sentiment_score":0.2744376063346863,"channel":1,"num_words":1,"start":1100.635,"end":1101.135},{"sentences":[{"text":"I can book you in a time for the pre assessment 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okay.","start":1104.3251,"end":1114.58,"sentiment":"positive","sentiment_score":0.3358726323478752}],"sentiment":"positive","sentiment_score":0.3358726323478752,"channel":0,"num_words":36,"start":1104.3251,"end":1114.58},{"sentences":[{"text":"Yep.","start":1114.21,"end":1114.71,"sentiment":"neutral","sentiment_score":0.19595883786678311},{"text":"Yep.","start":1115.01,"end":1115.51,"sentiment":"neutral","sentiment_score":0.19327279925346377}],"sentiment":"neutral","sentiment_score":0.19461581856012344,"channel":1,"num_words":2,"start":1114.21,"end":1115.51},{"sentences":[{"text":"Now we do have quite a bit of late night availability if that helps, but what would be a good day and time for you?","start":1116.5599,"end":1124.595,"sentiment":"neutral","sentiment_score":0.19405255377292632}],"sentiment":"neutral","sentiment_score":0.19405255377292632,"channel":0,"num_words":25,"start":1116.5599,"end":1124.595},{"sentences":[{"text":"Next if we're talking next week, any anytime, 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phone","start":1137.55,"end":1142.91,"sentiment":"neutral","sentiment_score":0.16121921092271804}],"sentiment":"neutral","sentiment_score":0.15854487209408372,"channel":0,"num_words":27,"start":1136.75,"end":1142.91},{"sentences":[{"text":"Mhmm.","start":1142.7,"end":1143.2,"sentiment":"neutral","sentiment_score":0.060933031141757965}],"sentiment":"neutral","sentiment_score":0.060933031141757965,"channel":1,"num_words":1,"start":1142.7,"end":1143.2},{"sentences":[{"text":"calls around the industry.","start":1142.91,"end":1144.13,"sentiment":"neutral","sentiment_score":0.04727777559310198},{"text":"You are in New South Wales, and I'm assuming we don't have daylight savings now.","start":1145.415,"end":1149.3351,"sentiment":"neutral","sentiment_score":0.021059360603491464},{"text":"Thank gosh for 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01:00 your time.","start":1150.535,"end":1152.795,"sentiment":"neutral","sentiment_score":-0.029360580444335937}],"sentiment":"neutral","sentiment_score":-0.029360580444335937,"channel":0,"num_words":5,"start":1150.535,"end":1152.795},{"sentences":[{"text":"Yeah.","start":1153.185,"end":1153.345,"sentiment":"neutral","sentiment_score":0.09715741872787476},{"text":"That's correct.","start":1153.345,"end":1154.165,"sentiment":"neutral","sentiment_score":0.24128398299217224}],"sentiment":"neutral","sentiment_score":0.1932417949040731,"channel":1,"num_words":3,"start":1153.185,"end":1154.165},{"sentences":[{"text":"Perfect.","start":1154.535,"end":1155.035,"sentiment":"positive","sentiment_score":0.5005008578300476},{"text":"Alrighty.","start":1155.5751,"end":1156.0751,"sentiment":"neutral","sentiment_score":0.3164087235927582},{"text":"I believe best days.","start":1157.86,"end":1160.5,"sentiment":"neutral","sentiment_score":0.17653195932507515},{"text":"Could we potentially could we 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booking.","start":1182.235,"end":1186.8151,"sentiment":"neutral","sentiment_score":0.14007105885280502}],"sentiment":"neutral","sentiment_score":0.12980713043361902,"channel":0,"num_words":20,"start":1181.1951,"end":1186.8151},{"sentences":[{"text":"Mhmm.","start":1187.335,"end":1187.835,"sentiment":"neutral","sentiment_score":0.06819845736026764}],"sentiment":"neutral","sentiment_score":0.06819845736026764,"channel":1,"num_words":1,"start":1187.335,"end":1187.835},{"sentences":[{"text":"If you need to adjust that by half an hour, just let us know.","start":1187.9,"end":1190.5399,"sentiment":"neutral","sentiment_score":0.0391286060746227},{"text":"We're pretty","start":1190.5399,"end":1191.26,"sentiment":"neutral","sentiment_score":0.05325302295386791}],"sentiment":"neutral","sentiment_score":0.04089415818452835,"channel":0,"num_words":16,"start":1187.9,"end":1191.26},{"sentences":[{"text":"Yeah.","start":1191.12,"end":1191.5199,"sentiment":"neutral","sentiment_score":0.12685418128967285}],"sentiment":"neutral","sentiment_score":0.12685418128967285,"channel":1,"num_words":1,"start":1191.12,"end":1191.5199},{"sentences":[{"text":"flexible.","start":1191.26,"end":1191.76,"sentiment":"neutral","sentiment_score":0.1485707014799118}],"sentiment":"neutral","sentiment_score":0.1485707014799118,"channel":0,"num_words":1,"start":1191.26,"end":1191.76},{"sentences":[{"text":"That's fine.","start":1191.5199,"end":1192.24,"sentiment":"neutral","sentiment_score":0.25582416355609894},{"text":"Yeah.","start":1192.24,"end":1192.48,"sentiment":"neutral","sentiment_score":0.2656153440475464},{"text":"That's fine.","start":1192.48,"end":1192.96,"sentiment":"positive","sentiment_score":0.351903960108757},{"text":"I'm pretty clear from 03:30 onwards.","start":1192.96,"end":1195.0599,"sentiment":"neutral","sentiment_score":0.3128172407547633},{"text":"So that's fine.","start":1195.12,"end":1196.5599,"sentiment":"positive","sentiment_score":0.34936384359995526}],"sentiment":"neutral","sentiment_score":0.31471904047897886,"channel":1,"num_words":14,"start":1191.5199,"end":1196.5599},{"sentences":[{"text":"Alright.","start":1196.5599,"end":1197.0399,"sentiment":"neutral","sentiment_score":0.08774208277463913},{"text":"So I'll hear from someone next Thursday, the seventh at 03:30.","start":1197.0399,"end":1201.1399,"sentiment":"neutral","sentiment_score":0.10913045636632225}],"sentiment":"neutral","sentiment_score":0.10734809190034866,"channel":1,"num_words":12,"start":1196.5599,"end":1201.1399},{"sentences":[{"text":"Yep.","start":1201.515,"end":1201.755,"sentiment":"neutral","sentiment_score":0.1935637891292572},{"text":"And I'll get basically 80% of the plan done before then.","start":1201.755,"end":1204.875,"sentiment":"neutral","sentiment_score":0.2705454596064307},{"text":"We'll double check some of the medical side of things, and we can finalize all that together the following week, and then you are good to go.","start":1204.875,"end":1211.829,"sentiment":"neutral","sentiment_score":0.3283131315752312}],"sentiment":"neutral","sentiment_score":0.30856457429054457,"channel":0,"num_words":39,"start":1201.515,"end":1211.829},{"sentences":[{"text":"Wonderful.","start":1212.1951,"end":1212.6951,"sentiment":"positive","sentiment_score":0.8637599349021912},{"text":"Thank you so much.","start":1212.835,"end":1213.975,"sentiment":"positive","sentiment_score":0.8834772258996964}],"sentiment":"positive","sentiment_score":0.8795337677001953,"channel":1,"num_words":5,"start":1212.1951,"end":1213.975},{"sentences":[{"text":"Awesome, Kelly.","start":1214.629,"end":1215.2689,"sentiment":"positive","sentiment_score":0.8738045394420624},{"text":"You have a fantastic weekend, and we'll talk to you","start":1215.2689,"end":1217.109,"sentiment":"positive","sentiment_score":0.8233586132526398}],"sentiment":"positive","sentiment_score":0.8317662676175436,"channel":0,"num_words":12,"start":1214.629,"end":1217.109},{"sentences":[{"text":"You","start":1217.1089,"end":1217.3489,"sentiment":"positive","sentiment_score":0.5358847379684448}],"sentiment":"positive","sentiment_score":0.5358847379684448,"channel":1,"num_words":1,"start":1217.1089,"end":1217.3489},{"sentences":[{"text":"next week.","start":1217.109,"end":1217.7689,"sentiment":"positive","sentiment_score":0.5285792797803879}],"sentiment":"positive","sentiment_score":0.5285792797803879,"channel":0,"num_words":2,"start":1217.109,"end":1217.7689},{"sentences":[{"text":"too.","start":1217.3489,"end":1217.8489,"sentiment":"positive","sentiment_score":0.3838580250740051},{"text":"Take care.","start":1218.0688,"end":1218.549,"sentiment":"positive","sentiment_score":0.4632613956928253},{"text":"Bye bye.","start":1218.549,"end":1219.289,"sentiment":"neutral","sentiment_score":0.25092701613903046}],"sentiment":"positive","sentiment_score":0.3624469697475433,"channel":1,"num_words":5,"start":1217.3489,"end":1219.289},{"sentences":[{"text":"Thank you.","start":1219.0289,"end":1219.589,"sentiment":"positive","sentiment_score":0.6788791120052338},{"text":"Bye.","start":1219.589,"end":1220.089,"sentiment":"neutral","sentiment_score":-0.11225610971450806}],"sentiment":"positive","sentiment_score":0.4151673714319865,"channel":0,"num_words":3,"start":1219.0289,"end":1220.089}]},"summary":{"result":"success","short":"The representative from Oakview discusses Kelly's health insurance coverage and insurance details with Kelly, including her recent echocardiogram and health concerns. They suggest a pre-intervention consultation and post-intervention review to ensure a smooth outcome. The impact of a financial year on the customer's super fund is discussed, with the representative emphasizing the importance of receiving contributions before retirement and providing guidance on managing financial information. The representative provides information on retirement goals and scheduling a call for a pre assessment and confirmation of booking."},"intents":{"segments":[{"text":"I'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing. Do you still have a bit of time for me? Yes.","start_word":31,"end_word":64,"intents":[{"intent":"Provide information","confidence_score":0.2639964},{"intent":"Discuss insurance coverage","confidence_score":0.000986539}]},{"text":"I'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing. Do you still have a bit of time for me? Yes. Yes.","start_word":31,"end_word":65,"intents":[{"intent":"Go over questions","confidence_score":0.0033124096}]},{"text":"So just before I jump into it, usual process, are you okay for the call to be recorded? Sure.","start_word":70,"end_word":88,"intents":[{"intent":"Record call","confidence_score":0.6643922}]},{"text":"For the security of your account, I am registered with ASIC as Adviser1273105. Are you okay to confirm your date of birth and address, please? Sure.","start_word":92,"end_word":117,"intents":[{"intent":"Check security account","confidence_score":0.00002391723}]},{"text":"But I actually don't have the results of of me to yes. I did do an echocardiogram, and I came Yep. up negative for cardio in myopathy. Amazing.","start_word":174,"end_word":201,"intents":[{"intent":"Get results","confidence_score":0.044187143}]},{"text":"So, yeah, when we go through an insurance application and we put down that there's been, like, recent investigations, they will likely do a PMAR, p m a r, which is a doctor's report request through to the attending medical professional. So we Mhmm.","start_word":264,"end_word":307,"intents":[{"intent":"Discuss pmar","confidence_score":0.016439077}]},{"text":"could definitely take down, like, GP and specialist details, and they can shoot that off in the background and get all that information once we've submitted an application, if that makes Mhmm.","start_word":308,"end_word":339,"intents":[{"intent":"Send paperwork","confidence_score":0.000077463475}]},{"text":"Outside of that, we do have some sort of preliminary checks that we were looking at, so the types and amounts of cover we were going to apply for.","start_word":344,"end_word":372,"intents":[{"intent":"Apply for insurance","confidence_score":0.11175967}]},{"text":"We were going to do quotes for a ninety day waiting period and a five year benefit period.","start_word":495,"end_word":512,"intents":[{"intent":"Provide insurance quotes","confidence_score":0.0010575743}]},{"text":"You've got private health insurance. I think BMI Mhmm. was fine.","start_word":703,"end_word":713,"intents":[{"intent":"Confirm healthcare status","confidence_score":0.00014028355}]},{"text":"We've got, you know, a debt income replacements. We had a bit of a standard retirement goal using the government figures to kind of project it against. And Mhmm. if you were happy, we were kind of just gonna do a ten year impact because retirement is still so far away for you. Outside of that, I don't believe there was anything else we were kind of changing at this point. Mhmm.","start_word":1189,"end_word":1260,"intents":[{"intent":"Evaluate options","confidence_score":0.005706347}]},{"text":"So the standard 12% puts you at about 17,400, and the Mhmm. cap is for this financial year, 30,000. It's about to go up next financial year.","start_word":1349,"end_word":1375,"intents":[{"intent":"Help with finances","confidence_score":0.00004208999}]},{"text":"So I've got check my CC balance. So above Is is that that, what I need? Yep.","start_word":1708,"end_word":1724,"intents":[{"intent":"Check cc balance","confidence_score":0.70826757}]},{"text":"when you get that menu, there's a super button, Yep. and it should come up with fund details, information, and manage. Can you see Yes. those?","start_word":1738,"end_word":1763,"intents":[{"intent":"Provide fund details","confidence_score":0.26243967},{"intent":"Provide financial details","confidence_score":0.13450006}]},{"text":"I was just gonna say it's more for if you have to do a rolling amount, like if you wanted to salary sacrifice weekly to try and tick this off one, two, three, four, five years, it becomes very important to look at the details of every single year. If you're just doing a lump sum, that total at the Mhmm. top is perfectly fine. Right.","start_word":1959,"end_word":2024,"intents":[{"intent":"Inquire about doubling the amount","confidence_score":2.0687667e-8}]},{"text":"If you're just doing a lump sum, that total at the Mhmm. top is perfectly fine. Right.","start_word":2008,"end_word":2024,"intents":[{"intent":"Provide lump sum","confidence_score":0.3213282}]},{"text":"Putting in that amenity of super is gonna have a huge impact on both your taxes know?","start_word":2048,"end_word":2064,"intents":[{"intent":"Assess super impact","confidence_score":0.0113032}]},{"text":"Were you kind of aiming for, like, earlier retirement towards age 60, or are we still kind of aiming for that fifteen years closer to the age pension age?","start_word":2434,"end_word":2462,"intents":[{"intent":"Discuss retirement options","confidence_score":0.00043964176}]},{"text":"12. We're gonna claim all 12, submit that with your signature to the fund. They then Mhmm. code that to the tax office as long as that's been accepted and you get an acceptance letter back before you submit your tax return.","start_word":2793,"end_word":2834,"intents":[{"intent":"Submit tax return","confidence_score":0.022118276}]},{"text":"And, again, I'll update that projection against the retirement goal.","start_word":2985,"end_word":2994,"intents":[{"intent":"Update projection","confidence_score":0.5851588}]},{"text":"Any questions for me, Kelly? No.","start_word":3042,"end_word":3047,"intents":[{"intent":"Ask questions","confidence_score":0.21801847}]},{"text":"So I'll just wait to hear to book in a time for the pre assessment in regards to the insurance, and then I'll wait to hear from you maybe next week in regards to transferring the cash into super. Yeah.","start_word":3053,"end_word":3092,"intents":[{"intent":"Book","confidence_score":0.0019939118}]},{"text":"What we can do is we'll send you a text reminder and, like, a confirmation of the booking.","start_word":3327,"end_word":3344,"intents":[{"intent":"Confirm","confidence_score":0.46213242}]},{"text":"If you need to adjust that by half an hour, just let us know. We're pretty Yeah.","start_word":3346,"end_word":3362,"intents":[{"intent":"Adjust","confidence_score":0.44003713}]}]},"sentiments":{"segments":[{"text":"This is Kate. Good afternoon, Kelly. It's Tommy here, senior adviser from Oakview. How are you going? Good.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.16501593589782715},{"text":"Thank you.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.4567647576332092},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.29719406366348267},{"text":"I'm doing absolutely fantastic. Thank you for asking.","start_word":23,"end_word":30,"sentiment":"positive","sentiment_score":0.7097174525260925},{"text":"I'm just giving you a call to go over your questions about the, like, the the insurances, the health, that kind of thing. Do you still have a bit of time for me? Yes. Yes. I do. Perfect. Perfect. So just before I jump into it, usual process, are you okay for the call to be recorded? Sure. No problem. Amazing. For the security of your account, I am registered with ASIC as Adviser1273105. Are you okay to confirm your date of birth and address, please? Sure. It's 09/04/1976, and address is 9 Priscilla Place, Waltham Hill. Sensational.","start_word":31,"end_word":128,"sentiment":"neutral","sentiment_score":0.08957408368587494},{"text":"Thank you so much for that, Kelly.","start_word":129,"end_word":135,"sentiment":"positive","sentiment_score":0.35224252939224243},{"text":"I've just been going through the notes on your file from previous conversations in your recent call with us, Mhmm. and it looks like you've actually gone through and completed an echocardiogram. Is that correct? Yeah. I do. But I actually don't have the results of of me to yes. I did do an echocardiogram, and I came Yep. up negative for cardio in myopathy. Amazing. So so I just wanna have a chat about, a, how you're gonna get those results. I'll have to probably provide you who I went through and Yeah. also what I can do with my insurances because I I know we were sort of a bit stunted with that because of the Yeah. yeah. Waiting for the results on that. Perfect. Perfect. So, yeah, when we go through an insurance application and we put down that there's been, like, recent investigations, they will likely do a PMAR, p m a r, which is a doctor's report request through to the attending medical professional. So we Mhmm. could definitely take down, like, GP and specialist details, and they can shoot that off in the background and get all that information once we've submitted an application, if that makes Mhmm. sense. Okay. Yep. Yep. Outside of that, we do have some sort of preliminary checks that we were looking at, so the types and amounts of cover we were going to apply for. Do you mind if I just check if that's still Mhmm. accurate Yeah. for Sure. you? Yeah. That's fine.","start_word":136,"end_word":391,"sentiment":"neutral","sentiment_score":-0.021090327121783048},{"text":"Cool.","start_word":392,"end_word":392,"sentiment":"positive","sentiment_score":0.4313800930976868},{"text":"So we were kind of looking at about a million dollars worth of life and total disability insurance really Mhmm. to cover off all of the debts and liabilities. Yep. So I think we had, like, a mortgage of about 850,000, a little bit of an investment property loan for $2.90, and it was really just clear all the debts. Yeah. That's right. Yep. Yep. We were looking at some income protection, which maxes out at 70% of your income. Mhmm. And just double checking that, last check was a 145,000 per year was the income. Yep. Yep. That's about right. Yep. We were going to do quotes for a ninety day waiting period and a five year benefit period. So the whole trade off there was make the Yep. premiums a little bit more affordable, but you'd have to kind of look after yourself for a couple of months with some savings and things Mhmm. like that, which you did have quite a bit in Yep. your offset That's at the time.","start_word":393,"end_word":565,"sentiment":"neutral","sentiment_score":0.05133247375488281},{"text":"Cool.","start_word":566,"end_word":566,"sentiment":"positive","sentiment_score":0.35821667313575745},{"text":"Five year benefit period kind of being a good middle grounds where fine. it'll cover you for short and medium term illness and injury with Mhmm. income replacement. And if anything goes longer than five years, it'll likely be a TBD claim for that full lump sum. Sure. K. Does that sound appropriate? Yep. Yep. That's fine.","start_word":567,"end_word":623,"sentiment":"neutral","sentiment_score":0.13124513626098633},{"text":"Brilliant.","start_word":624,"end_word":624,"sentiment":"positive","sentiment_score":0.5047481060028076},{"text":"The only one we weren't going for was, like, trauma insurance, which is out of pocket only for, like, heart attack, stroke, and cancer. We were really just trying to get the three covers that can go through your superannuation. Mhmm. Yep. That's fine. K? I'm just gonna quickly check the details that we have in case it's changed, but you're still your occupation hasn't changed from the sales and marketing manager. No. It's still the same.","start_word":625,"end_word":701,"sentiment":"neutral","sentiment_score":-0.10677214276480984},{"text":"Perfect.","start_word":702,"end_word":702,"sentiment":"positive","sentiment_score":0.5557864308357239},{"text":"You've got private health insurance. I think BMI Mhmm. was fine. Nonsmokers still? Nunspanker. Yep. Perfect. Outside of that, because that echocardiogram was more I believe it was just an investigation for, like, extended family just to make sure that it wasn't linking in with family history. Is that right? Yeah. That's right. Yep. Was there any other diagnoses that you'd had previously in terms of an illness or an injury? No. No. K. Any current health concerns? I do have high cholesterol, Yep. Amazing.","start_word":703,"end_word":787,"sentiment":"neutral","sentiment_score":-0.0016762977465987206},{"text":"which is annoying.","start_word":788,"end_word":790,"sentiment":"negative","sentiment_score":-0.5653592348098755},{"text":"And I am I I had a episode of high blood pressure before Christmas, and it's the reason why we went through the egotardogram, etcetera. So I Yep. am on low dose medication, and I probably will be for six months. Low dose medication for six Mhmm. months. Now when Mhmm. it comes to cholesterol and blood pressure, they Mhmm. usually like to get some readings for that and just make sure it is stable levels. Yep. Have you had Mhmm. any recent tests that have come I back as stable? yeah. Yeah. They have so that would be the doctor and also the cardiologist would have that. Doctor and cardiologist Yep. would have that.","start_word":791,"end_word":905,"sentiment":"neutral","sentiment_score":-0.07157439738512039},{"text":"Perfect.","start_word":906,"end_word":906,"sentiment":"positive","sentiment_score":0.4778573215007782},{"text":"Now one of the things that we can do is if that's all looking pretty good, we Yes. can always just finalize an advice document to run through with you, make sure you're happy, and organize an application. And then Mhmm. we basically let the insurers shoot that off to the doctors and come back through their underwriting process with an outcome of whether it'll be standard across the board, if there's gonna be any loadings or exclusions due to, like, the cholesterol and blood pressure. Mhmm. Or we can do, like, a bit of an anonymous pre assessment where we get the detail from you and then call the insurers and kind of double check what the likely outcome will be.","start_word":907,"end_word":1028,"sentiment":"neutral","sentiment_score":0.15174118905770975},{"text":"So I'm happy to be guided by you on that, which way you'd prefer to go.","start_word":1029,"end_word":1044,"sentiment":"positive","sentiment_score":0.6553902626037598},{"text":"What do my people do? I don't know. So Whatever. the safest way is to pre Yeah. assess it, but it does mean kind of going through those medical questions in-depth for about twenty minutes on a recorded Yeah. line with Jack, one of my implementers. Mhmm. That's the safest way to do it. Or if we're comfortable to kind of just shoot the shot, so to speak, we should get back a reasonable outcome. But it's just about how safe we wanna be about it. Okay. Well, yeah, I'll do the pre assessment just one then. K.","start_word":1045,"end_word":1142,"sentiment":"neutral","sentiment_score":0.11282683908939362},{"text":"Amazing.","start_word":1143,"end_word":1143,"sentiment":"positive","sentiment_score":0.4665323495864868},{"text":"I'm just checking my notes from previous calls to see if there was anything Mhmm. else we were doing because we were obviously going to factor in the premiums on the impact it would have on your super, make sure that's not too expensive. Mhmm. We've got, you know, a debt income replacements. We had a bit of a standard retirement goal using the government figures to kind of project it against. And Mhmm.","start_word":1144,"end_word":1217,"sentiment":"neutral","sentiment_score":-0.015076125040650368},{"text":"if you were happy, we were kind of just gonna do a ten year impact because retirement is still so far away for you. Outside of that, I don't believe there was anything else we were kind of changing at this point.","start_word":1218,"end_word":1259,"sentiment":"negative","sentiment_score":-0.3741729259490967},{"text":"Mhmm. Was there any other advice that you felt like you wanted to talk about? Yes. So we just want to I just wanna see how much I can contribute to my super fund for tax reasons. So what's Oh, the that's sort of right. cap End that of financial I can year. Yeah. yeah. Yeah. Cool. So two quick areas there. If you're on a 145,000 and they're giving you the standard 12%, that will give you sorry. I'm just gonna do a double calculation here. Alright. So the standard 12% puts you at about 17,400, and the Mhmm. cap is for this financial year, 30,000. It's about to go up next financial year. Okay.","start_word":1260,"end_word":1375,"sentiment":"neutral","sentiment_score":0.021451003785277235},{"text":"So what that kind of leaves you with safely, about 10 or $12 that could go in as a bit of a lump sum, and that gets claimed. The full 37 percent would be kind of claimed via tax return.","start_word":1376,"end_word":1415,"sentiment":"positive","sentiment_score":0.34673601388931274},{"text":"And then when Mhmm. the money goes into super, they will take out the 15% super tax.","start_word":1416,"end_word":1432,"sentiment":"neutral","sentiment_score":0.19966156780719757},{"text":"Your net benefit is the the the difference between the two, the 22%, but you would get the full chunk back, basically Yep.","start_word":1433,"end_word":1455,"sentiment":"positive","sentiment_score":0.4339583218097687},{"text":"a third. So we did this last year as well. I'm just wondering because I know it's it's and that you can look at it over a five year period. Is that correct? Yes. To So sort of the say bring so forward rule clicks yeah. back That's five one. financial years in not including this financial year. So this financial year is also on its own. Your Yeah. myGov account will actually give you a full breakdown and Okay. a a total estimate going back five financial years. So if you do have the ability to get into your myGov account on the ATO section, there is a super button that will give you the exact figures. Mhmm. Okay. That's good to know. Now But I this can year, I kind of can put guide in a you through that yeah. if I'm you just like. so I'm yeah. I'm just trying to frantically find myGov. Yep. There we go. And, look, no rush. If you do have a couple of minutes, I do remember the buttons to press to get on there, but I can even go into my own login as No. well and I've kind got of guide I'm you through just it. logging into myGov. I've got in there now now, and I'll just select the tax. Okay. Australian tax office Yep. service. That's the one. Yeah. And, of course, it doesn't Yeah. work This is always the way. from us. There you go. Okay. So okay. So I've got check my CC balance. So above Is is that that, what I need? Yep. we've got there's a little menu button at the top left. And Yep. when you get that menu, there's a super button, Yep. and it should come up with fund details, information, and manage. Can you see Yes. those? Mhmm. If you hit the middle one, which is information, you'll see about halfway down, carry forward concessional contributions. Yep. K? Once you do that, it should list 2526 financial Yep. year. It will tell you Yeah. total super balance, and below that, it should have a green bubble saying eligible and the total amount of eligibility. Right. The unused concessional contribution available carry forward, and I've got $63,000. 63,000. And can you give me the exact there, please? 63 Yes. $53,837.04. and 4<unk>.","start_word":1456,"end_word":1849,"sentiment":"neutral","sentiment_score":0.07907087423928498},{"text":"Perfect.","start_word":1849,"end_word":1850,"sentiment":"positive","sentiment_score":0.4612215459346771},{"text":"Mhmm. So that is lump sum available going backwards, including that other 12,000 for this financial year Including, did you say? Yep. Yep. separate to that. So you could do technically 75,000. Right. Okay. Okay. And the way that kind of breaks down just so you can see is there's a Yep. show details button in the white section, Yep. and it basically breaks down each year the total Yeah. cap, total contributions, and then for every year under it, it says what the cap was, what you put in, and what was unused for each year. That's And do you rec yes. Sorry. Go yeah. on. Cut it off. I was just gonna say it's more for if you have to do a rolling amount, like if you wanted to salary sacrifice weekly to try and tick this off one, two, three, four, five years, it becomes very important to look at the details of every single year. If you're just doing a lump sum, that total at the Mhmm. top is perfectly fine. Right. Do you recommend doing that? Do you Oh, recommend putting in that 63,000 into super?","start_word":1850,"end_word":2041,"sentiment":"neutral","sentiment_score":0.03955638036131859},{"text":"so that You is a fantastic question.","start_word":2041,"end_word":2048,"sentiment":"positive","sentiment_score":0.3913988471031189},{"text":"Putting in that amenity of super is gonna have a huge impact on both your taxes know? and also Yep. on your retirement growth, but there's two trade offs. What Yep. else could that money be used for in terms of mortgage, other cash flow goals that you might need it for? Mhmm. Is there anything important for you guys? Because I know we're gonna you're gonna look at a pretty big renovation for the backyard, which is gonna be a pretty big one. Yeah. Alright. No. That's fine. I'll have a chat soon because we're both looking at what we will do there. Anyway, I'll put Yep. the I'll definitely put the 12 for this year in. Yep. And And the then last thing to check is your your tax brackets. So, basically, mhmm. the if you're on a 145,000, Mhmm. the first 10,000 is gonna have the most impact because that's your 37 percent plus Medicare bracket. Then anything between 45 and a 135 is that 32% bracket. Mhmm. Okay. So it pretty much gives you, if you wanted to go to the full maximum impact possible, if Mhmm.","start_word":2047,"end_word":2237,"sentiment":"neutral","sentiment_score":0.13830287754535675},{"text":"I go a 140 well, technically, that's flat figures, a $100,000 of some pretty good benefit that you could do. So, yes, Mhmm. if you got that 70 something in there, you would get a pretty good tax savings across the board and pretty big impact on the super.","start_word":2238,"end_word":2286,"sentiment":"positive","sentiment_score":0.49420663714408875},{"text":"Again, renovations and things like that too. And I'm just double checking your balance as well. But does that kinda make sense? Yeah. It does. Yeah. No.","start_word":2287,"end_word":2313,"sentiment":"neutral","sentiment_score":0.18399697542190552},{"text":"That's been good. And this is handy to know that I can have a look into this too.","start_word":2314,"end_word":2331,"sentiment":"positive","sentiment_score":0.3830641806125641},{"text":"And I've just got your Hub twenty four account open because there's also of course, anything you put in soup is locked away until preservation age, Mhmm. so you've Mhmm. gotta be okay to be without it. Mhmm.","start_word":2332,"end_word":2369,"sentiment":"neutral","sentiment_score":0.06516601145267487},{"text":"We've got you're at 438,000 at the moment, which is a pretty healthy balance, to be honest.","start_word":2370,"end_word":2386,"sentiment":"positive","sentiment_score":0.40815454721450806},{"text":"And just looking at risk level, yep, a lot of growth assets, so some pretty high long term returns there.","start_word":2387,"end_word":2406,"sentiment":"neutral","sentiment_score":0.3246684968471527},{"text":"Really good contributions coming in.","start_word":2407,"end_word":2411,"sentiment":"positive","sentiment_score":0.8212165832519531},{"text":"The last thing I'm gonna check is time frames for two seconds. So we are getting to that last last period here. Were you kind of aiming for, like, earlier retirement towards age 60, or are we still kind of aiming for that fifteen years closer to the age pension age? Oh, my preference will be retiring next year, but that's not gonna happen, is it? But yes. No. We'll probably talk. I don't really know. I'm hoping in the next five years, I can get a job that's not so full on and stuff. But, yeah, maybe we'll look at 65 retirement. So it's fifth fifteen years from '50 Would you consider this year. I'm looking at your your mortgage level. Do you think it's pretty accurate that you'll have that mortgage finished off A 100 by percent. Yeah. We've got some inheritance coming our way too. So, yep. yeah, so that will go on a mortgage. So and my husband's stuck. He he earns the big bucks, so he he he gets quite a lot of bonuses and stuff throughout the year. So we've got quite a bit now Yeah. So what I might do, would it be helpful, offset I'm anyway. going to update your advice document for the insurances, and I'll add in that 12,000 of concessional contributions. Mhmm. I'll do a projection there and kind of base it against that retirement goal and give you Yep. a bit of an indication of what that looks like. Now I am going on paternity leave in June.","start_word":2412,"end_word":2671,"sentiment":"neutral","sentiment_score":0.048682957887649536},{"text":"Got her daughter Oh, congratulations. on the way. The Oh, two boys no problem. are very excited.","start_word":2672,"end_word":2688,"sentiment":"positive","sentiment_score":0.5175949931144714},{"text":"So I really wanna get this organized with you before I go because that'll chop up the end of financial year quite quickly. So the two things to keep in mind is that we need to make sure any contributions are received by the fund before June 30. Yeah. And, Well, you I'm know, planning on doing it this week. Is that well, not this week. Obviously, it's Friday, but maybe next week. yep, and Yep. once that's in there, we will help you with a notice of intent to claim form where we Yeah.","start_word":2689,"end_word":2783,"sentiment":"neutral","sentiment_score":0.11775389407810412},{"text":"pretty much Awesome. fill out.","start_word":2784,"end_word":2788,"sentiment":"positive","sentiment_score":0.5713359713554382},{"text":"You've put in Yes. 12. We're gonna claim all 12, submit that with your signature to the fund. They then Mhmm. code that to the tax office as long as that's been accepted and you get an acceptance letter back before you submit your tax return. I know some people, July 1, will submit it, like, a day later. Mhmm. Just we're just gonna make sure that comes back first. Okay. Yep. K? I'll Okay. put all of that in the document. Would you like to maybe just wait a week or so, and I'll walk you through that document in-depth, and we'll kind Yeah. of do That's it all fine. alongside each other. So Would that be easier? yeah. Yeah. So I'll wait to hear from you again, and then I'll put that money in from there. And then because I remember last year, I just did it, and then I think it just ended up being sent to the my tax account in any way in the end. I don't Yeah. know how what he did, but he did something.","start_word":2789,"end_word":2970,"sentiment":"neutral","sentiment_score":0.07786095887422562},{"text":"So, yeah, happy to happy to be guided by you.","start_word":2971,"end_word":2980,"sentiment":"positive","sentiment_score":0.5362378358840942},{"text":"Not really Perfect. sure. And, again, I'll update that projection against the retirement goal. If you wanna go a little bit above that with the carry forward to try and ensure that you reach the goal, we can have Mhmm. that discussion too. But I just wanna give you a good baseline for what you're looking at.","start_word":2981,"end_word":3037,"sentiment":"neutral","sentiment_score":0.16996823251247406},{"text":"Okay. Sounds great. Awesome.","start_word":3038,"end_word":3041,"sentiment":"positive","sentiment_score":0.6373600363731384},{"text":"Any questions for me, Kelly? No. I don't think so. So I'll just wait to hear to book in a time for the pre assessment in regards to the insurance, and then I'll wait to hear from you maybe next week in regards to transferring the cash into super. Yeah. So I think the Yep. best one to go about it, if it's okay for you, is Mhmm.","start_word":3042,"end_word":3109,"sentiment":"neutral","sentiment_score":0.13645970251630335},{"text":"I can book you in a time for the pre assessment now, Mhmm.","start_word":3110,"end_word":3122,"sentiment":"positive","sentiment_score":0.34946003556251526},{"text":"and then we'll have done the research in the backgrounds, put together that document, and the team can book you in for the following week to just finalize the advice and implement it, if that's okay. Yep. Yep. Now we do have quite a bit of late night availability if that helps, but what would be a good day and time for you? Next if we're talking next week, any anytime, really. I can the days that I'm pretty booked up, but can you just tell me a time that I can make it work? Okay. Alright. I'll try and keep it to, again, less than half an hour just to get those details, and we'll run off and do our phone Mhmm. calls around the industry. You are in New South Wales, and I'm assuming we don't have daylight savings now.","start_word":3123,"end_word":3264,"sentiment":"neutral","sentiment_score":0.1705302894115448},{"text":"Thank gosh for that.","start_word":3265,"end_word":3268,"sentiment":"positive","sentiment_score":0.6026349067687988},{"text":"Mhmm. So No. it's almost 01:00 your time. Yeah. That's correct.","start_word":3269,"end_word":3279,"sentiment":"neutral","sentiment_score":0.04515717551112175},{"text":"Perfect.","start_word":3280,"end_word":3280,"sentiment":"positive","sentiment_score":0.5005008578300476},{"text":"Alrighty. I believe best days. Could we potentially could we potentially do Thursday? Yeah. That's fine. What K. time? I could do any time in the afternoon. How about 03:30 Three thirty. or four Done. o'clock or whatever. Yep. Yep. 03:30? Three thirty Okay. or 04:00. What we can do is we'll send you a text reminder and, like, a confirmation of the booking. Mhmm. If you need to adjust that by half an hour, just let us know. We're pretty Yeah. flexible. That's fine. Yeah.","start_word":3281,"end_word":3366,"sentiment":"neutral","sentiment_score":0.10038915276527403},{"text":"That's fine.","start_word":3367,"end_word":3368,"sentiment":"positive","sentiment_score":0.35334232449531555},{"text":"I'm pretty clear from 03:30 onwards.","start_word":3369,"end_word":3374,"sentiment":"neutral","sentiment_score":0.3059661388397217},{"text":"So that's fine.","start_word":3375,"end_word":3377,"sentiment":"positive","sentiment_score":0.3496129512786865},{"text":"Alright. So I'll hear from someone next Thursday, the seventh at 03:30. Yep. And I'll get basically 80% of the plan done before then. We'll double check some of the medical side of things, and we can finalize all that together the following week, and then you are good to go.","start_word":3378,"end_word":3428,"sentiment":"neutral","sentiment_score":0.2514010422370013},{"text":"Wonderful. Thank you so much. Awesome, Kelly. You have a fantastic weekend, and we'll talk to you You next week. too. Take care.","start_word":3429,"end_word":3451,"sentiment":"positive","sentiment_score":0.7472644448280334},{"text":"Bye bye.","start_word":3452,"end_word":3453,"sentiment":"neutral","sentiment_score":0.2613977789878845},{"text":"Thank you. Bye.","start_word":3454,"end_word":3456,"sentiment":"positive","sentiment_score":0.5190317034721375}],"average":{"sentiment":"neutral","sentiment_score":0.10003704995584584}}}}