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Perfect. Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm full name, date of birth, and address, please? Yep. Yep. Perfect. And this address as well. Sorry. Yep. Beautiful. And how's your morning been? Been busy or just kind of getting started? Oh, that's nice. Well, I had you booked in because I believe you had called in after your, I think, your ex wife spoke to you you about some investments or something like that. Is that right? Yes, sir. Mhmm. Mhmm. Yeah. So for investments, there's obviously a lot of different investments we look at for different purposes. Is it is it specifically child investments? Is that the purpose of why you guys set up the personal investment account to start with? Yeah. Okay. Okay. Mhmm. Yes. Yep. Okay. Mhmm. Yeah. Yep. Yep. Yeah. Yep. Yep. Okay. Yep. Yeah. Yes. Yep. Correct. Correct. Yes. You are correct. Yes. Yep. Yep. Now it is very tricky right now because of the proposed changes. I'm not sure if you've read the Australian federal government proposed changes. Not in effect no. That's all good. They have this proposed changes to take effect on the 07/01/2027. It's not enforced yet, though. Sorry. Who knows? The way that things work as of right now without any changes to the legislation, how the capital gains tax will work is that when you guys sell your investment, so whether that is that you completely sell it sell it out and whatever you guys wanna do with the investment, that will be capital gains on the earnings. So whatever you've made from the investments, you will have to pay capital gains tax on it. That will be calculated as per your individual marginal tax rate. So whatever income she would be on, that will be the rate that she would pay. And then, obviously, for you, it will be your marginal tax rate at the time. Now with the current legislation as well, there is a 50% discount if you've had the investment for more than twelve months. That is how it is right now. Now the proposed changes is looking at re getting rid of that 50% discount with a minimum of a 30% tax rate later, but we don't know yet how that's potentially going to change. So that would only be the capital gains would only be when you guys sell your investment. So whether that would be, like, if she was like, oh, I wanna sell the investments now and put them in through a child investment bond or whatever it is, you would still have to pay the tax when you sell it. Obviously, the more you have in it, the more the grow, the more, obviously correct. But then, obviously, when you guys do your individual tax returns, you would have to declare your portion. And unless you guys have a special agreement, I imagine it's just $50.50. Like, you don't have anything in in place saying that you have x amount or she has x amount. It's just like a fifty fifty. Is that correct? Yep. So then when you guys do your your tax return, you would obviously declare that. So do you do it yourself, or do you go to an accountant? Yep. Perfect. So they would probably have already gone through that with you. But, yeah, every time you same with, like, if you had a savings account on, like, your bank account, you'd have to obviously declare, like, interest and stuff like that earned. So it will be when you do your tax return, and that would obviously, again, be split because you own it together. That's how that works. Now from a investment point point of view, that can be a really good investment option for if if the purpose is specifically to save for children, it is a very tax effective option because it's kind of classified as a life insurance product. So it works a little bit different. It's still like an investment. But how it works is that at the time you were to sell the investment, as long as you've had it for at least ten years, so that's kind of the thing to make it really tax effective. You ideally wanna have it for ten years time frame, and and then you don't have to pay any capital gains tax personally. So by the time it then matures and whatever if you wanna give it to your kids at the time or fifteen years or whatever time frame you guys set, there will be no capital k tax applicable. But then, also, you wouldn't have to declare anything into your tax return. So that's why it makes it very tax effective from that time. It is the time frame, though, of the ten years. And because you already have the IDPS, if you were to sell it now, you would still have to pay the capital gains tax and everything like that. For the for the investment bond. Correct. For the investment bond. Correct. If you have it for ten years, you don't, which is why a lot of a lot of people find it a very good way to save for children as long as you are comfortable, obviously, locking it in for ten years and having that kind of long term investment. It can be a really good effective way of doing it. Now, obviously, if your goals are slightly misaligning, I was having a chat through, adviser as well, and we both kind of said, well, the best way to go about it would be to have a joint conversation if that is something you are open through to the four of us, through see, obviously, what you both want to do and what is going to be the best for both of you in this situation if you wanted to make a change. The the only thing I do wanted to check with you is is the money accessible now? Like, is everything completely finalized with the separation and everything, or is it still kind of locked in for another couple of months before you have access to do something? Okay. Yes. Yep. Mhmm. Right. Mhmm. Right. Yeah. Yeah. Because how it's yeah. I can I can imagine, especially such a long time? Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yes. Yes. Yeah. Yeah. Now one way yeah. You don't need a tax fund number for that because it's it's not like an like, it is an investment, but it is a life insurance product rules. So you don't need a tax fund number through the do the personal investment account. Sorry. For the investment bond. I would say so because with the consent order, typically, you won't be able to actually do anything with the money anyway until it's all finalized. So until, obviously, the consent order is completely finalized and you guys have access to do what you want with the money, I would say we when it's sorted, we should have a conversation, the four of us. And then, obviously, from that conversation, I can go and speak to you individually, and then, obviously, tell hey. This adviser will go and do the same. And then me and that adviser will work on a strategy. Like, I'll only focus on your situation, obviously, and what works best for you. And he will then do the same for her, and then we will work on well, together, what are we going to do to achieve the outcome for both of you? Whether that is you sell the IDPS if that's what you guys want to do, you split the money. And then if you want to invest your portion into an investment bond and she wants to do the same, you have complete freedom to do whatever you want. Or whether you want to set up another investment account that is just in your name, we can then work on the different strategy. Well, okay. How is that gonna look like from an asset point of view for you, and how is that gonna potentially impact your situation with having to pay child support and stuff like that? Does that make sense? Yeah. Yeah. Mhmm. Right. Okay. Right. Mhmm. Yep. Mhmm. Right. Okay. And yeah. How yeah. So Yeah. Yep. Yes. Yeah. Because it will be you will have more of an asset, and, yes, that will be the case. So which we we don't want from that point of view. When do you are they waiting on you to make a decision on their what to do right now? Or is that what things like that? Mhmm. Yep. Yeah. Yeah. Yeah. Okay. Yep. Okay. What time are you seeing them? 04:00. Okay. Are you quite avail you have annual leave, you said. Are you quite available until then? Yeah? Okay. Because what I might do is because that is a little bit different to what I spoke through her adviser about, because that was kind of like, oh, Wednesday consent order is finalized. We will then have a discussion what we wanna do with the money. But if she's kind of said, well, I want that before, that obviously pushes that time frame forward. Mhmm. Right. Yeah. That's a lot. Yes. Yes. Yeah. Right. Okay. So it's kind of just spiraled a little bit. Yeah. Okay. So what I might do is I will just I have because now I have a complete picture from you, which is great, which is, yeah, a little bit different through what I had before, so that is great. Now what I will go is I will go and speak through that adviser as well and see what we can do jointly because, also, it's like, well, from my understanding, they haven't entered into advice or any actual formal recommendation whether the investment bond is going to be the best option for the kids or not yet. So it does seem then a little bit strange that that's the stipulation in there. Because in order to do that, when from my understanding, with speaking to the adviser, it's like that was just a topic of conversation to potentially more, not that it was something you should definitely do. So I wanna go and get clarification on that. Now I do have an appointment straight after yours, but I will have availability about 12:00 to give you a callback and see if I can get a bit more information so that you have a bit more anyway before you go and speak to the lawyer this afternoon. Yeah. Yep. No problem at all. Was there anything else that I kind of I need to know or anything no? Okay. Yeah. Mhmm. Yes. And how it will impact you with your situation. Yep. Yep. Yep. Okay. Beautiful. Well, leave it with me. If my appointment don't answer, I'll give you a call sooner. But, otherwise, I will go and chat through through the adviser, get a bit more clarity on it, and I will give you a call around 12:00 and give you a bit more of an update. Yeah. No problem at all. I'll speak soon. Alright. That's alright. Thanks, Ben. 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morning, Ben. This is Veronica from Oakview Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in for a little bit of a catch up. Is now still a good time for you? Yes. Perfect.\n\nNow just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm full name, date of birth, and address, please? Yep.\n\nYep. Perfect. And this address as well. Sorry. Yep.\n\nBeautiful. And how's your morning been? Been busy or just kind of getting started? Oh, that's nice. Well, I had you booked in because I believe you had called in after your, I think, your ex wife spoke to you you about some investments or something like that.\n\nIs that right? Yes, sir. Mhmm. Mhmm. Yeah.\n\nSo for investments, there's obviously a lot of different investments we look at for different purposes. Is it is it specifically child investments? Is that the purpose of why you guys set up the personal investment account to start with? Yeah. Okay.\n\nOkay. Mhmm. Yes. Yep. Okay.\n\nMhmm. Yeah. Yep. Yep. Yeah.\n\nYep. Yep. Okay. Yep. Yeah.\n\nYes. Yep. Correct. Correct. Yes.\n\nYou are correct. Yes. Yep. Yep. Now it is very tricky right now because of the proposed changes.\n\nI'm not sure if you've read the Australian federal government proposed changes. Not in effect no. That's all good. They have this proposed changes to take effect on the 07/01/2027. It's not enforced yet, though.\n\nSorry. Who knows? The way that things work as of right now without any changes to the legislation, how the capital gains tax will work is that when you guys sell your investment, so whether that is that you completely sell it sell it out and whatever you guys wanna do with the investment, that will be capital gains on the earnings. So whatever you've made from the investments, you will have to pay capital gains tax on it. That will be calculated as per your individual marginal tax rate.\n\nSo whatever income she would be on, that will be the rate that she would pay. And then, obviously, for you, it will be your marginal tax rate at the time. Now with the current legislation as well, there is a 50% discount if you've had the investment for more than twelve months. That is how it is right now. Now the proposed changes is looking at re getting rid of that 50% discount with a minimum of a 30% tax rate later, but we don't know yet how that's potentially going to change.\n\nSo that would only be the capital gains would only be when you guys sell your investment. So whether that would be, like, if she was like, oh, I wanna sell the investments now and put them in through a child investment bond or whatever it is, you would still have to pay the tax when you sell it. Obviously, the more you have in it, the more the grow, the more, obviously correct. But then, obviously, when you guys do your individual tax returns, you would have to declare your portion. And unless you guys have a special agreement, I imagine it's just $50.50.\n\nLike, you don't have anything in in place saying that you have x amount or she has x amount. It's just like a fifty fifty. Is that correct? Yep. So then when you guys do your your tax return, you would obviously declare that.\n\nSo do you do it yourself, or do you go to an accountant? Yep. Perfect. So they would probably have already gone through that with you. But, yeah, every time you same with, like, if you had a savings account on, like, your bank account, you'd have to obviously declare, like, interest and stuff like that earned.\n\nSo it will be when you do your tax return, and that would obviously, again, be split because you own it together. That's how that works. Now from a investment point point of view, that can be a really good investment option for if if the purpose is specifically to save for children, it is a very tax effective option because it's kind of classified as a life insurance product. So it works a little bit different. It's still like an investment.\n\nBut how it works is that at the time you were to sell the investment, as long as you've had it for at least ten years, so that's kind of the thing to make it really tax effective. You ideally wanna have it for ten years time frame, and and then you don't have to pay any capital gains tax personally. So by the time it then matures and whatever if you wanna give it to your kids at the time or fifteen years or whatever time frame you guys set, there will be no capital k tax applicable. But then, also, you wouldn't have to declare anything into your tax return. So that's why it makes it very tax effective from that time.\n\nIt is the time frame, though, of the ten years. And because you already have the IDPS, if you were to sell it now, you would still have to pay the capital gains tax and everything like that. For the for the investment bond. Correct. For the investment bond.\n\nCorrect. If you have it for ten years, you don't, which is why a lot of a lot of people find it a very good way to save for children as long as you are comfortable, obviously, locking it in for ten years and having that kind of long term investment. It can be a really good effective way of doing it. Now, obviously, if your goals are slightly misaligning, I was having a chat through, adviser as well, and we both kind of said, well, the best way to go about it would be to have a joint conversation if that is something you are open through to the four of us, through see, obviously, what you both want to do and what is going to be the best for both of you in this situation if you wanted to make a change. The the only thing I do wanted to check with you is is the money accessible now?\n\nLike, is everything completely finalized with the separation and everything, or is it still kind of locked in for another couple of months before you have access to do something? Okay. Yes. Yep. Mhmm.\n\nRight. Mhmm. Right. Yeah. Yeah.\n\nBecause how it's yeah. I can I can imagine, especially such a long time? Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. Yes.\n\nYes. Yeah. Yeah. Now one way yeah. You don't need a tax fund number for that because it's it's not like an like, it is an investment, but it is a life insurance product rules.\n\nSo you don't need a tax fund number through the do the personal investment account. Sorry. For the investment bond. I would say so because with the consent order, typically, you won't be able to actually do anything with the money anyway until it's all finalized. So until, obviously, the consent order is completely finalized and you guys have access to do what you want with the money, I would say we when it's sorted, we should have a conversation, the four of us.\n\nAnd then, obviously, from that conversation, I can go and speak to you individually, and then, obviously, tell hey. This adviser will go and do the same. And then me and that adviser will work on a strategy. Like, I'll only focus on your situation, obviously, and what works best for you. And he will then do the same for her, and then we will work on well, together, what are we going to do to achieve the outcome for both of you?\n\nWhether that is you sell the IDPS if that's what you guys want to do, you split the money. And then if you want to invest your portion into an investment bond and she wants to do the same, you have complete freedom to do whatever you want. Or whether you want to set up another investment account that is just in your name, we can then work on the different strategy. Well, okay. How is that gonna look like from an asset point of view for you, and how is that gonna potentially impact your situation with having to pay child support and stuff like that?\n\nDoes that make sense? Yeah. Yeah. Mhmm. Right.\n\nOkay. Right. Mhmm. Yep. Mhmm.\n\nRight. Okay. And yeah. How yeah. So Yeah.\n\nYep. Yes. Yeah. Because it will be you will have more of an asset, and, yes, that will be the case. So which we we don't want from that point of view.\n\nWhen do you are they waiting on you to make a decision on their what to do right now? Or is that what things like that? Mhmm. Yep. Yeah.\n\nYeah. Yeah. Okay. Yep. Okay.\n\nWhat time are you seeing them? 04:00. Okay. Are you quite avail you have annual leave, you said. Are you quite available until then?\n\nYeah? Okay. Because what I might do is because that is a little bit different to what I spoke through her adviser about, because that was kind of like, oh, Wednesday consent order is finalized. We will then have a discussion what we wanna do with the money. But if she's kind of said, well, I want that before, that obviously pushes that time frame forward.\n\nMhmm. Right. Yeah. That's a lot. Yes.\n\nYes. Yeah. Right. Okay. So it's kind of just spiraled a little bit.\n\nYeah. Okay. So what I might do is I will just I have because now I have a complete picture from you, which is great, which is, yeah, a little bit different through what I had before, so that is great. Now what I will go is I will go and speak through that adviser as well and see what we can do jointly because, also, it's like, well, from my understanding, they haven't entered into advice or any actual formal recommendation whether the investment bond is going to be the best option for the kids or not yet. So it does seem then a little bit strange that that's the stipulation in there.\n\nBecause in order to do that, when from my understanding, with speaking to the adviser, it's like that was just a topic of conversation to potentially more, not that it was something you should definitely do. So I wanna go and get clarification on that. Now I do have an appointment straight after yours, but I will have availability about 12:00 to give you a callback and see if I can get a bit more information so that you have a bit more anyway before you go and speak to the lawyer this afternoon. Yeah. Yep.\n\nNo problem at all. Was there anything else that I kind of I need to know or anything no? Okay. Yeah. Mhmm.\n\nYes. And how it will impact you with your situation. Yep. Yep. Yep.\n\nOkay. Beautiful. Well, leave it with me. If my appointment don't answer, I'll give you a call sooner. But, otherwise, I will go and chat through through the adviser, get a bit more clarity on it, and I will give you a call around 12:00 and give you a bit more of an update.\n\nYeah. No problem at all. I'll speak soon. Alright. That's alright.\n\nThanks, Ben. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Ben.","start":4.16,"end":4.96,"sentiment":"neutral","sentiment_score":0.3011825581391652},{"text":"This is Veronica from Oakview Financial.","start":4.96,"end":6.74,"sentiment":"neutral","sentiment_score":0.22177101920048395},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.17498893539110819},{"text":"Yeah.","start":9.28,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.32188206911087036},{"text":"I'm good.","start":9.5199995,"end":10.16,"sentiment":"positive","sentiment_score":0.5376012027263641}],"sentiment":"neutral","sentiment_score":0.27708167135715484,"num_words":15,"start":4.16,"end":10.16},{"sentences":[{"text":"Thanks.","start":10.16,"end":10.66,"sentiment":"positive","sentiment_score":0.6966477632522583},{"text":"I had you booked in for a little bit of a catch up.","start":12.0,"end":14.08,"sentiment":"neutral","sentiment_score":0.2443150236056401},{"text":"Is now still a good time for you?","start":14.08,"end":15.555,"sentiment":"neutral","sentiment_score":0.20808045566082},{"text":"Yes.","start":16.755001,"end":17.255001,"sentiment":"neutral","sentiment_score":0.2801046669483185},{"text":"Perfect.","start":17.395,"end":17.895,"sentiment":"positive","sentiment_score":0.4203386902809143}],"sentiment":"neutral","sentiment_score":0.2599095863600572,"num_words":24,"start":10.16,"end":17.895},{"sentences":[{"text":"Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.515,"end":24.775002,"sentiment":"neutral","sentiment_score":0.04108132641496403},{"text":"Yep.","start":26.115,"end":26.595001,"sentiment":"neutral","sentiment_score":0.14728249609470367},{"text":"Perfect.","start":26.595001,"end":27.075,"sentiment":"neutral","sentiment_score":0.27327531576156616},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm full name, date of birth, and address, please?","start":27.075,"end":34.48,"sentiment":"neutral","sentiment_score":0.06732416388889154},{"text":"Yep.","start":37.1,"end":37.6,"sentiment":"neutral","sentiment_score":0.01710374839603901}],"sentiment":"neutral","sentiment_score":0.05914202650062374,"num_words":61,"start":18.515,"end":37.6},{"sentences":[{"text":"Yep.","start":40.059998,"end":40.54,"sentiment":"neutral","sentiment_score":0.06664744764566422},{"text":"Perfect.","start":40.54,"end":41.04,"sentiment":"neutral","sentiment_score":0.19209346175193787},{"text":"And this address as well.","start":41.1,"end":42.22,"sentiment":"neutral","sentiment_score":0.08928182423114776},{"text":"Sorry.","start":42.22,"end":42.72,"sentiment":"neutral","sentiment_score":0.011402822099626064},{"text":"Yep.","start":45.565002,"end":45.965,"sentiment":"neutral","sentiment_score":0.09890143573284148}],"sentiment":"neutral","sentiment_score":0.0906060320428676,"num_words":9,"start":40.059998,"end":45.965},{"sentences":[{"text":"Beautiful.","start":45.965,"end":46.465,"sentiment":"positive","sentiment_score":0.36762216687202454},{"text":"And how's your morning been?","start":46.525,"end":47.725002,"sentiment":"neutral","sentiment_score":0.10828596949577332},{"text":"Been busy or just kind of getting started?","start":47.725002,"end":49.665,"sentiment":"neutral","sentiment_score":0.012226374237798154},{"text":"Oh, that's nice.","start":53.005,"end":54.225,"sentiment":"neutral","sentiment_score":0.24324155847231546},{"text":"Well, I had you booked in because I believe you had called in after your, I think, your ex wife spoke to you you about some investments or something like that.","start":56.86,"end":69.02,"sentiment":"neutral","sentiment_score":0.0059523799366527986}],"sentiment":"neutral","sentiment_score":0.04002315545221791,"num_words":48,"start":45.965,"end":69.02},{"sentences":[{"text":"Is that right?","start":69.02,"end":69.92,"sentiment":"neutral","sentiment_score":0.028532277171810467},{"text":"Yes, sir.","start":71.525,"end":76.985,"sentiment":"neutral","sentiment_score":0.02203931100666523},{"text":"Mhmm.","start":77.925,"end":78.425,"sentiment":"neutral","sentiment_score":0.003019168972969055},{"text":"Mhmm.","start":79.685005,"end":80.185005,"sentiment":"neutral","sentiment_score":0.0041548409499228},{"text":"Yeah.","start":86.020004,"end":86.520004,"sentiment":"neutral","sentiment_score":0.0030438099056482315}],"sentiment":"neutral","sentiment_score":0.017486659169662744,"num_words":8,"start":69.02,"end":86.520004},{"sentences":[{"text":"So for investments, there's obviously a lot of different investments we look at for different purposes.","start":87.3,"end":94.92,"sentiment":"neutral","sentiment_score":0.0005112141370773315},{"text":"Is it is it specifically child investments?","start":96.085,"end":99.865005,"sentiment":"neutral","sentiment_score":0.005384373079453196},{"text":"Is that the purpose of why you guys set up the personal investment account to start with?","start":99.925,"end":105.225,"sentiment":"neutral","sentiment_score":0.006327287239186904},{"text":"Yeah.","start":107.205,"end":107.7,"sentiment":"neutral","sentiment_score":-0.015842966735363007},{"text":"Okay.","start":113.78,"end":114.28,"sentiment":"neutral","sentiment_score":-0.004424478858709335}],"sentiment":"neutral","sentiment_score":0.0031706303624170168,"num_words":42,"start":87.3,"end":114.28},{"sentences":[{"text":"Okay.","start":120.674995,"end":121.174995,"sentiment":"neutral","sentiment_score":-0.009491514414548874},{"text":"Mhmm.","start":125.225,"end":125.475,"sentiment":"neutral","sentiment_score":-0.012770429253578186},{"text":"Yes.","start":125.475,"end":125.975,"sentiment":"neutral","sentiment_score":0.01639734022319317},{"text":"Yep.","start":127.715,"end":128.215,"sentiment":"neutral","sentiment_score":-0.02422427386045456},{"text":"Okay.","start":132.45,"end":132.95,"sentiment":"neutral","sentiment_score":-0.1749366819858551}],"sentiment":"neutral","sentiment_score":-0.04100511185824871,"num_words":5,"start":120.674995,"end":132.95},{"sentences":[{"text":"Mhmm.","start":138.84999,"end":139.34999,"sentiment":"neutral","sentiment_score":-0.31780675053596497},{"text":"Yeah.","start":142.61,"end":143.11,"sentiment":"neutral","sentiment_score":-0.08935871720314026},{"text":"Yep.","start":145.665,"end":146.165,"sentiment":"neutral","sentiment_score":0.02481616660952568},{"text":"Yep.","start":146.22499,"end":146.72499,"sentiment":"neutral","sentiment_score":0.030464177951216698},{"text":"Yeah.","start":148.545,"end":149.045,"sentiment":"neutral","sentiment_score":-0.02782001346349716}],"sentiment":"neutral","sentiment_score":-0.075941027328372,"num_words":5,"start":138.84999,"end":149.045},{"sentences":[{"text":"Yep.","start":149.665,"end":150.165,"sentiment":"neutral","sentiment_score":-0.009572593495249748},{"text":"Yep.","start":152.22499,"end":152.72499,"sentiment":"neutral","sentiment_score":-0.10140739381313324},{"text":"Okay.","start":153.745,"end":154.245,"sentiment":"neutral","sentiment_score":-0.012525932863354685},{"text":"Yep.","start":160.07999,"end":160.15999,"sentiment":"neutral","sentiment_score":-0.05614380165934563},{"text":"Yeah.","start":160.15999,"end":160.65999,"sentiment":"neutral","sentiment_score":-0.055416036397218704}],"sentiment":"neutral","sentiment_score":-0.0470131516456604,"num_words":5,"start":149.665,"end":160.65999},{"sentences":[{"text":"Yes.","start":162.95999,"end":163.45999,"sentiment":"neutral","sentiment_score":-0.11016976833343506},{"text":"Yep.","start":164.79999,"end":165.29999,"sentiment":"neutral","sentiment_score":-0.18159103393554688},{"text":"Correct.","start":170.17499,"end":170.67499,"sentiment":"neutral","sentiment_score":-0.12721149623394012},{"text":"Correct.","start":173.53499,"end":174.03499,"sentiment":"neutral","sentiment_score":-0.14601990580558777},{"text":"Yes.","start":174.575,"end":174.97499,"sentiment":"neutral","sentiment_score":0.03338627889752388}],"sentiment":"neutral","sentiment_score":-0.10632118508219719,"num_words":5,"start":162.95999,"end":174.97499},{"sentences":[{"text":"You are correct.","start":174.97499,"end":175.795,"sentiment":"neutral","sentiment_score":0.07600703338781993},{"text":"Yes.","start":175.935,"end":176.435,"sentiment":"neutral","sentiment_score":0.04823166877031326},{"text":"Yep.","start":185.06999,"end":185.56999,"sentiment":"neutral","sentiment_score":-0.0022087576799094677},{"text":"Yep.","start":189.46999,"end":189.96999,"sentiment":"neutral","sentiment_score":-0.030381839722394943},{"text":"Now it is very tricky right now because of the proposed changes.","start":190.10999,"end":194.66501,"sentiment":"negative","sentiment_score":-0.34107773130138713}],"sentiment":"neutral","sentiment_score":-0.21384836689362097,"num_words":18,"start":174.97499,"end":194.66501},{"sentences":[{"text":"I'm not sure if you've read the Australian federal government proposed changes.","start":194.80501,"end":198.505,"sentiment":"neutral","sentiment_score":-0.15740673864881197},{"text":"Not in effect no.","start":198.965,"end":200.80501,"sentiment":"neutral","sentiment_score":-0.1848372183740139},{"text":"That's all good.","start":200.80501,"end":201.705,"sentiment":"neutral","sentiment_score":-0.04892663906017939},{"text":"They have this proposed changes to take effect on the 07/01/2027.","start":202.565,"end":207.63,"sentiment":"neutral","sentiment_score":-0.04202775724909522},{"text":"It's not enforced yet, though.","start":208.19,"end":210.21,"sentiment":"neutral","sentiment_score":-0.1736176550388336}],"sentiment":"neutral","sentiment_score":-0.11729723598275865,"num_words":35,"start":194.80501,"end":210.21},{"sentences":[{"text":"Sorry.","start":210.51001,"end":211.01001,"sentiment":"neutral","sentiment_score":-0.11723722517490388},{"text":"Who knows?","start":211.55,"end":212.29001,"sentiment":"neutral","sentiment_score":-0.08918469399213791},{"text":"The way that things work as of right now without any changes to the legislation, how the capital gains tax will work is that when you guys sell your investment, so whether that is that you completely sell it sell it out and whatever you guys wanna do with the investment, that will be capital gains on the earnings.","start":213.07,"end":234.15,"sentiment":"neutral","sentiment_score":-0.05738974381553925},{"text":"So whatever you've made from the investments, you will have to pay capital gains tax on it.","start":234.95,"end":240.56999,"sentiment":"neutral","sentiment_score":-0.09539127590901711},{"text":"That will be calculated as per your individual marginal tax rate.","start":240.79,"end":245.93,"sentiment":"neutral","sentiment_score":0.06790325248783285}],"sentiment":"neutral","sentiment_score":-0.050625749015145834,"num_words":90,"start":210.51001,"end":245.93},{"sentences":[{"text":"So whatever income she would be on, that will be the rate that she would pay.","start":246.455,"end":250.695,"sentiment":"neutral","sentiment_score":0.04183487582486123},{"text":"And then, obviously, for you, it will be your marginal tax rate at the time.","start":250.695,"end":255.595,"sentiment":"neutral","sentiment_score":0.01569156547387441},{"text":"Now with the current legislation as well, there is a 50% discount if you've had the investment for more than twelve months.","start":256.055,"end":264.07,"sentiment":"neutral","sentiment_score":-0.044943586669184944},{"text":"That is how it is right now.","start":266.21,"end":268.23,"sentiment":"neutral","sentiment_score":-0.027893812528678348},{"text":"Now the proposed changes is looking at re getting rid of that 50% discount with a minimum of a 30% tax rate later, but we don't know yet how that's potentially going to change.","start":268.53,"end":283.075,"sentiment":"neutral","sentiment_score":-0.12400828269036378}],"sentiment":"neutral","sentiment_score":-0.04782516713392861,"num_words":94,"start":246.455,"end":283.075},{"sentences":[{"text":"So that would only be the capital gains would only be when you guys sell your investment.","start":284.49503,"end":288.83502,"sentiment":"neutral","sentiment_score":-0.060638510129031015},{"text":"So whether that would be, like, if she was like, oh, I wanna sell the investments now and put them in through a child investment bond or whatever it is, you would still have to pay the tax when you sell it.","start":291.52002,"end":304.255,"sentiment":"neutral","sentiment_score":-0.07007514339472566},{"text":"Obviously, the more you have in it, the more the grow, the more, obviously correct.","start":304.255,"end":310.515,"sentiment":"neutral","sentiment_score":-0.04083301896850268},{"text":"But then, obviously, when you guys do your individual tax returns, you would have to declare your portion.","start":310.73502,"end":316.035,"sentiment":"neutral","sentiment_score":-0.04320212650216288},{"text":"And unless you guys have a special agreement, I imagine it's just $50.50.","start":317.135,"end":321.93,"sentiment":"neutral","sentiment_score":-0.04567445270144022}],"sentiment":"neutral","sentiment_score":-0.05674202039483048,"num_words":105,"start":284.49503,"end":321.93},{"sentences":[{"text":"Like, you don't have anything in in place saying that you have x amount or she has x amount.","start":322.15,"end":327.99,"sentiment":"neutral","sentiment_score":-0.032850683323646844},{"text":"It's just like a fifty fifty.","start":327.99,"end":329.18997,"sentiment":"neutral","sentiment_score":-0.0234885864580671},{"text":"Is that correct?","start":329.18997,"end":329.93,"sentiment":"neutral","sentiment_score":0.002958251784245173},{"text":"Yep.","start":331.11,"end":331.545,"sentiment":"neutral","sentiment_score":0.04510173201560974},{"text":"So then when you guys do your your tax return, you would obviously declare that.","start":331.70502,"end":336.105,"sentiment":"neutral","sentiment_score":0.03828794856866201}],"sentiment":"neutral","sentiment_score":-0.0031090633181685753,"num_words":44,"start":322.15,"end":336.105},{"sentences":[{"text":"So do you do it yourself, or do you go to an accountant?","start":336.105,"end":338.52502,"sentiment":"neutral","sentiment_score":0.014946668767012082},{"text":"Yep.","start":340.42502,"end":340.74503,"sentiment":"neutral","sentiment_score":0.2359229028224945},{"text":"Perfect.","start":340.74503,"end":341.14502,"sentiment":"positive","sentiment_score":0.4876283407211304},{"text":"So they would probably have already gone through that with you.","start":341.14502,"end":343.625,"sentiment":"neutral","sentiment_score":0.21261355788870293},{"text":"But, yeah, every time you same with, like, if you had a savings account on, like, your bank account, you'd have to obviously declare, like, interest and stuff like that earned.","start":343.625,"end":350.81998,"sentiment":"neutral","sentiment_score":0.0389366194365486}],"sentiment":"neutral","sentiment_score":0.07830951362848282,"num_words":57,"start":336.105,"end":350.81998},{"sentences":[{"text":"So it will be when you do your tax return, and that would obviously, again, be split because you own it together.","start":350.81998,"end":355.56,"sentiment":"neutral","sentiment_score":0.13721669736233624},{"text":"That's how that works.","start":357.13998,"end":358.36,"sentiment":"positive","sentiment_score":0.35501181334257126},{"text":"Now from a investment point point of view, that can be a really good investment option for if if the purpose is specifically to save for children, it is a very tax effective option because it's kind of classified as a life insurance product.","start":358.58,"end":377.96002,"sentiment":"positive","sentiment_score":0.49670267782428046},{"text":"So it works a little bit different.","start":377.96002,"end":379.32,"sentiment":"neutral","sentiment_score":0.21044228119509562},{"text":"It's still like an investment.","start":379.32,"end":380.7,"sentiment":"neutral","sentiment_score":0.16372814774513245}],"sentiment":"positive","sentiment_score":0.34860328203294333,"num_words":82,"start":350.81998,"end":380.7},{"sentences":[{"text":"But how it works is that at the time you were to sell the investment, as long as you've had it for at least ten years, so that's kind of the thing to make it really tax effective.","start":382.28,"end":393.655,"sentiment":"neutral","sentiment_score":0.30187801663812835},{"text":"You ideally wanna have it for ten years time frame, and and then you don't have to pay any capital gains tax personally.","start":394.115,"end":401.895,"sentiment":"neutral","sentiment_score":0.2712534141281377},{"text":"So by the time it then matures and whatever if you wanna give it to your kids at the time or fifteen years or whatever time frame you guys set, there will be no capital k tax applicable.","start":402.035,"end":411.16998,"sentiment":"neutral","sentiment_score":0.33252523682619395},{"text":"But then, also, you wouldn't have to declare anything into your tax return.","start":412.34998,"end":418.34998,"sentiment":"neutral","sentiment_score":0.29803569729511553},{"text":"So that's why it makes it very tax effective from that time.","start":418.34998,"end":422.805,"sentiment":"neutral","sentiment_score":0.2863604165613651}],"sentiment":"neutral","sentiment_score":0.30368500984003466,"num_words":124,"start":382.28,"end":422.805},{"sentences":[{"text":"It is the time frame, though, of the ten years.","start":423.505,"end":426.245,"sentiment":"neutral","sentiment_score":0.0562288798391819},{"text":"And because you already have the IDPS, if you were to sell it now, you would still have to pay the capital gains tax and everything like that.","start":427.185,"end":434.965,"sentiment":"neutral","sentiment_score":0.04360984079539776},{"text":"For the for the investment bond.","start":439.53,"end":441.28998,"sentiment":"neutral","sentiment_score":-0.04702708311378956},{"text":"Correct.","start":441.28998,"end":441.77,"sentiment":"neutral","sentiment_score":-0.003750089555978775},{"text":"For the investment bond.","start":441.77,"end":442.88998,"sentiment":"neutral","sentiment_score":-0.019170031184330583}],"sentiment":"neutral","sentiment_score":0.028995339340549344,"num_words":49,"start":423.505,"end":442.88998},{"sentences":[{"text":"Correct.","start":442.88998,"end":443.28998,"sentiment":"neutral","sentiment_score":-0.01037586573511362},{"text":"If you have it for ten years, you don't, which is why a lot of a lot of people find it a very good way to save for children as long as you are comfortable, obviously, locking it in for ten years and having that kind of long term investment.","start":443.28998,"end":458.315,"sentiment":"positive","sentiment_score":0.34737797230482104},{"text":"It can be a really good effective way of doing it.","start":458.315,"end":461.76,"sentiment":"positive","sentiment_score":0.5441358631307428},{"text":"Now, obviously, if your goals are slightly misaligning, I was having a chat through, adviser as well, and we both kind of said, well, the best way to go about it would be to have a joint conversation if that is something you are open through to the four of us, through see, obviously, what you both want to do and what is going to be the best for both of you in this situation if you wanted to make a change.","start":462.32,"end":492.88998,"sentiment":"neutral","sentiment_score":0.12676598090769314},{"text":"The the only thing I do wanted to check with you is is the money accessible now?","start":494.47,"end":500.88998,"sentiment":"neutral","sentiment_score":-0.003360753111979541}],"sentiment":"neutral","sentiment_score":0.20920307376069128,"num_words":161,"start":442.88998,"end":500.88998},{"sentences":[{"text":"Like, is everything completely finalized with the separation and everything, or is it still kind of locked in for another couple of months before you have access to do something?","start":500.94998,"end":510.73502,"sentiment":"neutral","sentiment_score":-0.030148529261350632},{"text":"Okay.","start":512.555,"end":513.055,"sentiment":"neutral","sentiment_score":-0.019939210265874863},{"text":"Yes.","start":515.755,"end":516.255,"sentiment":"neutral","sentiment_score":0.07594019174575806},{"text":"Yep.","start":517.62,"end":518.12,"sentiment":"neutral","sentiment_score":0.02388399839401245},{"text":"Mhmm.","start":518.89996,"end":519.39996,"sentiment":"neutral","sentiment_score":-0.0028984337113797665}],"sentiment":"neutral","sentiment_score":-0.02433733328464715,"num_words":34,"start":500.94998,"end":519.39996},{"sentences":[{"text":"Right.","start":522.33997,"end":522.83997,"sentiment":"neutral","sentiment_score":0.026098620146512985},{"text":"Mhmm.","start":524.5,"end":525.0,"sentiment":"neutral","sentiment_score":-0.03525567799806595},{"text":"Right.","start":526.89996,"end":527.39996,"sentiment":"neutral","sentiment_score":0.0038731256499886513},{"text":"Yeah.","start":529.395,"end":529.895,"sentiment":"neutral","sentiment_score":-0.0005961954593658447},{"text":"Yeah.","start":532.595,"end":533.095,"sentiment":"neutral","sentiment_score":-0.13608750700950625}],"sentiment":"neutral","sentiment_score":-0.028393526934087282,"num_words":5,"start":522.33997,"end":533.095},{"sentences":[{"text":"Because how it's yeah.","start":533.875,"end":536.435,"sentiment":"negative","sentiment_score":-0.45713356882333755},{"text":"I can I can imagine, especially such a long time?","start":536.435,"end":540.135,"sentiment":"neutral","sentiment_score":-0.2198000356554985},{"text":"Yeah.","start":542.85004,"end":543.33,"sentiment":"neutral","sentiment_score":-0.08964230120182037},{"text":"Yeah.","start":543.33,"end":543.83,"sentiment":"neutral","sentiment_score":-0.14796985685825348},{"text":"Yeah.","start":547.33,"end":547.83,"sentiment":"neutral","sentiment_score":-0.1295236200094223}],"sentiment":"neutral","sentiment_score":-0.2584512005834019,"num_words":17,"start":533.875,"end":547.83},{"sentences":[{"text":"Yeah.","start":552.13,"end":552.63,"sentiment":"neutral","sentiment_score":-0.14778414368629456},{"text":"Yeah.","start":562.565,"end":563.065,"sentiment":"neutral","sentiment_score":0.1801011562347412},{"text":"Mhmm.","start":565.78,"end":566.28,"sentiment":"neutral","sentiment_score":0.10173901915550232},{"text":"Yeah.","start":570.9,"end":571.4,"sentiment":"neutral","sentiment_score":0.11681219935417177},{"text":"Yes.","start":577.38,"end":577.88,"sentiment":"neutral","sentiment_score":-0.027574598789215088}],"sentiment":"neutral","sentiment_score":0.04465872645378113,"num_words":5,"start":552.13,"end":577.88},{"sentences":[{"text":"Yes.","start":579.685,"end":580.185,"sentiment":"neutral","sentiment_score":-0.06854632496833801},{"text":"Yeah.","start":581.92505,"end":582.42505,"sentiment":"neutral","sentiment_score":0.014648910611867905},{"text":"Yeah.","start":582.565,"end":583.065,"sentiment":"neutral","sentiment_score":0.043906740844249725},{"text":"Now one way yeah.","start":583.685,"end":586.42505,"sentiment":"neutral","sentiment_score":0.03887316212058067},{"text":"You don't need a tax fund number for that because it's it's not like an like, it is an investment, but it is a life insurance product rules.","start":593.62,"end":601.13995,"sentiment":"neutral","sentiment_score":-0.030387902407840426}],"sentiment":"neutral","sentiment_score":-0.020153122641412276,"num_words":35,"start":579.685,"end":601.13995},{"sentences":[{"text":"So you don't need a tax fund number through the do the personal investment account.","start":601.13995,"end":605.16,"sentiment":"neutral","sentiment_score":-0.049257733424504596},{"text":"Sorry.","start":605.745,"end":605.985,"sentiment":"neutral","sentiment_score":-0.0617031529545784},{"text":"For the investment bond.","start":605.985,"end":607.445,"sentiment":"neutral","sentiment_score":-0.022509782575070858},{"text":"I would say so because with the consent order, typically, you won't be able to actually do anything with the money anyway until it's all finalized.","start":610.385,"end":618.005,"sentiment":"neutral","sentiment_score":0.01926689437375619},{"text":"So until, obviously, the consent order is completely finalized and you guys have access to do what you want with the money, I would say we when it's sorted, we should have a conversation, the four of us.","start":618.47003,"end":634.185,"sentiment":"neutral","sentiment_score":0.12072599914513137}],"sentiment":"neutral","sentiment_score":0.04997522543583598,"num_words":84,"start":601.13995,"end":634.185},{"sentences":[{"text":"And then, obviously, from that conversation, I can go and speak to you individually, and then, obviously, tell hey.","start":634.885,"end":642.725,"sentiment":"neutral","sentiment_score":0.13365616492534937},{"text":"This adviser will go and do the same.","start":642.725,"end":644.745,"sentiment":"neutral","sentiment_score":0.15376831218600273},{"text":"And then me and that adviser will work on a strategy.","start":645.05,"end":648.00995,"sentiment":"neutral","sentiment_score":0.2261462319980968},{"text":"Like, I'll only focus on your situation, obviously, and what works best for you.","start":648.00995,"end":651.87,"sentiment":"neutral","sentiment_score":0.3105175888964108},{"text":"And he will then do the same for her, and then we will work on well, together, what are we going to do to achieve the outcome for both of you?","start":652.08997,"end":662.155,"sentiment":"positive","sentiment_score":0.4380249775225116}],"sentiment":"neutral","sentiment_score":0.2913643702505583,"num_words":83,"start":634.885,"end":662.155},{"sentences":[{"text":"Whether that is you sell the IDPS if that's what you guys want to do, you split the money.","start":662.295,"end":669.275,"sentiment":"neutral","sentiment_score":-0.012568483423245581},{"text":"And then if you want to invest your portion into an investment bond and she wants to do the same, you have complete freedom to do whatever you want.","start":670.18,"end":681.06,"sentiment":"positive","sentiment_score":0.41013016680191305},{"text":"Or whether you want to set up another investment account that is just in your name, we can then work on the different strategy.","start":681.06,"end":687.91504,"sentiment":"neutral","sentiment_score":0.19087755804260573},{"text":"Well, okay.","start":687.97504,"end":688.455,"sentiment":"neutral","sentiment_score":0.11003402993083},{"text":"How is that gonna look like from an asset point of view for you, and how is that gonna potentially impact your situation with having to pay child support and stuff like that?","start":688.455,"end":698.46,"sentiment":"neutral","sentiment_score":0.03536460193043405}],"sentiment":"neutral","sentiment_score":0.16470219597011526,"num_words":107,"start":662.295,"end":698.46},{"sentences":[{"text":"Does that make sense?","start":699.98004,"end":701.12,"sentiment":"neutral","sentiment_score":0.03867915365844965},{"text":"Yeah.","start":702.30005,"end":702.80005,"sentiment":"neutral","sentiment_score":0.010923363268375397},{"text":"Yeah.","start":703.34,"end":703.84,"sentiment":"neutral","sentiment_score":0.036112911999225616},{"text":"Mhmm.","start":705.98004,"end":706.48004,"sentiment":"neutral","sentiment_score":-0.02220434695482254},{"text":"Right.","start":715.19495,"end":715.69495,"sentiment":"neutral","sentiment_score":0.008828643709421158}],"sentiment":"neutral","sentiment_score":0.02354714833199978,"num_words":8,"start":699.98004,"end":715.69495},{"sentences":[{"text":"Okay.","start":716.875,"end":717.375,"sentiment":"neutral","sentiment_score":-0.1193043738603592},{"text":"Right.","start":718.555,"end":719.055,"sentiment":"neutral","sentiment_score":-0.04031278192996979},{"text":"Mhmm.","start":722.315,"end":722.815,"sentiment":"neutral","sentiment_score":-0.02960187941789627},{"text":"Yep.","start":727.0,"end":727.5,"sentiment":"neutral","sentiment_score":-0.09412913769483566},{"text":"Mhmm.","start":729.4,"end":729.9,"sentiment":"neutral","sentiment_score":-0.05550747364759445}],"sentiment":"neutral","sentiment_score":-0.06777112931013107,"num_words":5,"start":716.875,"end":729.9},{"sentences":[{"text":"Right.","start":733.24,"end":733.74,"sentiment":"neutral","sentiment_score":0.028876205906271935},{"text":"Okay.","start":734.84,"end":735.34,"sentiment":"neutral","sentiment_score":0.06569451093673706},{"text":"And yeah.","start":735.72,"end":739.295,"sentiment":"neutral","sentiment_score":0.09836508333683014},{"text":"How yeah.","start":741.755,"end":742.815,"sentiment":"neutral","sentiment_score":0.07777788303792477},{"text":"So Yeah.","start":743.355,"end":751.31,"sentiment":"neutral","sentiment_score":-0.0300784632563591}],"sentiment":"neutral","sentiment_score":0.048337465384975076,"num_words":8,"start":733.24,"end":751.31},{"sentences":[{"text":"Yep.","start":754.01,"end":754.51,"sentiment":"neutral","sentiment_score":-0.1653439998626709},{"text":"Yes.","start":758.57,"end":758.97003,"sentiment":"neutral","sentiment_score":0.0067426227033138275},{"text":"Yeah.","start":758.97003,"end":759.21,"sentiment":"neutral","sentiment_score":0.012222791090607645},{"text":"Because it will be you will have more of an asset, and, yes, that will be the case.","start":759.21,"end":763.07,"sentiment":"neutral","sentiment_score":0.002581763805614578},{"text":"So which we we don't want from that point of view.","start":763.555,"end":766.53503,"sentiment":"neutral","sentiment_score":-0.294051545587453}],"sentiment":"neutral","sentiment_score":-0.10420230746967718,"num_words":32,"start":754.01,"end":766.53503},{"sentences":[{"text":"When do you are they waiting on you to make a decision on their what to do right now?","start":767.955,"end":773.075,"sentiment":"neutral","sentiment_score":-0.29891897973261383},{"text":"Or is that what things like that?","start":773.075,"end":774.53503,"sentiment":"neutral","sentiment_score":-0.15106066103492463},{"text":"Mhmm.","start":778.93,"end":779.43,"sentiment":"neutral","sentiment_score":-0.04555252939462662},{"text":"Yep.","start":779.81,"end":780.31,"sentiment":"neutral","sentiment_score":-0.06638192385435104},{"text":"Yeah.","start":782.93,"end":783.43,"sentiment":"neutral","sentiment_score":-0.18053355813026428}],"sentiment":"neutral","sentiment_score":-0.24239149150149575,"num_words":29,"start":767.955,"end":783.43},{"sentences":[{"text":"Yeah.","start":784.93,"end":785.43,"sentiment":"neutral","sentiment_score":-0.09065531194210052},{"text":"Yeah.","start":786.76996,"end":787.26996,"sentiment":"neutral","sentiment_score":-0.02314365655183792},{"text":"Okay.","start":789.855,"end":790.355,"sentiment":"neutral","sentiment_score":0.0010147299617528915},{"text":"Yep.","start":794.975,"end":795.455,"sentiment":"neutral","sentiment_score":0.043493758887052536},{"text":"Okay.","start":795.455,"end":795.935,"sentiment":"neutral","sentiment_score":0.025271285325288773}],"sentiment":"neutral","sentiment_score":-0.00880383886396885,"num_words":5,"start":784.93,"end":795.935},{"sentences":[{"text":"What time are you seeing them?","start":795.935,"end":798.035,"sentiment":"neutral","sentiment_score":0.00905484240502119},{"text":"04:00.","start":803.15,"end":803.71,"sentiment":"neutral","sentiment_score":0.012390049174427986},{"text":"Okay.","start":803.71,"end":804.21,"sentiment":"neutral","sentiment_score":0.030454374849796295},{"text":"Are you quite avail you have annual leave, you said.","start":804.75,"end":807.63,"sentiment":"neutral","sentiment_score":0.040947153232991695},{"text":"Are you quite available until then?","start":807.63,"end":809.65,"sentiment":"neutral","sentiment_score":0.02411044854670763}],"sentiment":"neutral","sentiment_score":0.027137820919354756,"num_words":24,"start":795.935,"end":809.65},{"sentences":[{"text":"Yeah?","start":811.63,"end":812.11,"sentiment":"neutral","sentiment_score":0.04529580473899841},{"text":"Okay.","start":812.11,"end":812.61,"sentiment":"neutral","sentiment_score":0.05181499570608139},{"text":"Because what I might do is because that is a little bit different to what I spoke through her adviser about, because that was kind of like, oh, Wednesday consent order is finalized.","start":813.03503,"end":824.49506,"sentiment":"neutral","sentiment_score":-0.010332981914733395},{"text":"We will then have a discussion what we wanna do with the money.","start":825.03503,"end":828.015,"sentiment":"neutral","sentiment_score":0.0038005395864064875},{"text":"But if she's kind of said, well, I want that before, that obviously pushes that time frame forward.","start":828.14,"end":834.88,"sentiment":"neutral","sentiment_score":-0.03690614520261685}],"sentiment":"neutral","sentiment_score":-0.013011836390377897,"num_words":66,"start":811.63,"end":834.88},{"sentences":[{"text":"Mhmm.","start":841.835,"end":842.335,"sentiment":"neutral","sentiment_score":-0.0033660316839814186},{"text":"Right.","start":845.435,"end":845.935,"sentiment":"neutral","sentiment_score":0.001724451780319214},{"text":"Yeah.","start":847.91504,"end":848.41504,"sentiment":"neutral","sentiment_score":-0.0499921590089798},{"text":"That's a lot.","start":849.835,"end":850.815,"sentiment":"neutral","sentiment_score":-0.18180680771668753},{"text":"Yes.","start":851.115,"end":851.59503,"sentiment":"neutral","sentiment_score":-0.086464062333107}],"sentiment":"neutral","sentiment_score":-0.09764546062797308,"num_words":7,"start":841.835,"end":851.59503},{"sentences":[{"text":"Yes.","start":851.59503,"end":852.09503,"sentiment":"neutral","sentiment_score":-0.07748360931873322},{"text":"Yeah.","start":852.27,"end":852.77,"sentiment":"neutral","sentiment_score":-0.05458122491836548},{"text":"Right.","start":859.39,"end":859.71,"sentiment":"neutral","sentiment_score":-0.08024105429649353},{"text":"Okay.","start":859.71,"end":860.11005,"sentiment":"neutral","sentiment_score":-0.061443228274583817},{"text":"So it's kind of just spiraled a little bit.","start":860.11005,"end":862.77,"sentiment":"neutral","sentiment_score":-0.1396688794096311}],"sentiment":"neutral","sentiment_score":-0.11775146396114276,"num_words":13,"start":851.59503,"end":862.77},{"sentences":[{"text":"Yeah.","start":864.11005,"end":864.61005,"sentiment":"neutral","sentiment_score":0.04319116473197937},{"text":"Okay.","start":864.91003,"end":865.41003,"sentiment":"neutral","sentiment_score":0.11521495133638382},{"text":"So what I might do is I will just I have because now I have a complete picture from you, which is great, which is, yeah, a little bit different through what I had before, so that is great.","start":865.625,"end":876.20496,"sentiment":"neutral","sentiment_score":0.2664062453386111},{"text":"Now what I will go is I will go and speak through that adviser as well and see what we can do jointly because, also, it's like, well, from my understanding, they haven't entered into advice or any actual formal recommendation whether the investment bond is going to be the best option for the kids or not yet.","start":876.345,"end":898.115,"sentiment":"neutral","sentiment_score":0.03826915999424869},{"text":"So it does seem then a little bit strange that that's the stipulation in there.","start":898.655,"end":903.555,"sentiment":"neutral","sentiment_score":-0.12236939345796903}],"sentiment":"neutral","sentiment_score":0.09589754440413233,"num_words":114,"start":864.11005,"end":903.555},{"sentences":[{"text":"Because in order to do that, when from my understanding, with speaking to the adviser, it's like that was just a topic of conversation to potentially more, not that it was something you should definitely do.","start":903.615,"end":916.21,"sentiment":"neutral","sentiment_score":-0.013710963229338327},{"text":"So I wanna go and get clarification on that.","start":916.51,"end":919.39,"sentiment":"neutral","sentiment_score":0.054791713340414896},{"text":"Now I do have an appointment straight after yours, but I will have availability about 12:00 to give you a callback and see if I can get a bit more information so that you have a bit more anyway before you go and speak to the lawyer this afternoon.","start":919.39,"end":934.90497,"sentiment":"neutral","sentiment_score":0.04580665417775816},{"text":"Yeah.","start":936.88,"end":937.04,"sentiment":"neutral","sentiment_score":0.20943382382392883},{"text":"Yep.","start":937.04,"end":937.54,"sentiment":"neutral","sentiment_score":0.14632940292358398}],"sentiment":"neutral","sentiment_score":0.027081458596512675,"num_words":96,"start":903.615,"end":937.54},{"sentences":[{"text":"No problem at all.","start":937.83997,"end":939.22,"sentiment":"neutral","sentiment_score":0.15882571414113045},{"text":"Was there anything else that I kind of I need to know or anything no?","start":939.6,"end":944.1,"sentiment":"neutral","sentiment_score":0.010187877838810285},{"text":"Okay.","start":944.88,"end":945.38,"sentiment":"neutral","sentiment_score":-0.02469632215797901},{"text":"Yeah.","start":946.39996,"end":946.89996,"sentiment":"neutral","sentiment_score":-0.010921355336904526},{"text":"Mhmm.","start":949.77496,"end":950.27496,"sentiment":"neutral","sentiment_score":-0.007238316349685192}],"sentiment":"neutral","sentiment_score":0.033875683195550337,"num_words":22,"start":937.83997,"end":950.27496},{"sentences":[{"text":"Yes.","start":952.815,"end":953.315,"sentiment":"neutral","sentiment_score":0.02360539138317108},{"text":"And how it will impact you with your situation.","start":953.615,"end":956.835,"sentiment":"neutral","sentiment_score":-0.012534632037083307},{"text":"Yep.","start":957.855,"end":958.355,"sentiment":"neutral","sentiment_score":-0.024255914613604546},{"text":"Yep.","start":959.055,"end":959.555,"sentiment":"neutral","sentiment_score":0.08308210223913193},{"text":"Yep.","start":961.48,"end":961.98,"sentiment":"neutral","sentiment_score":0.11080911010503768}],"sentiment":"neutral","sentiment_score":0.006186846213845105,"num_words":13,"start":952.815,"end":961.98},{"sentences":[{"text":"Okay.","start":962.6,"end":963.1,"sentiment":"positive","sentiment_score":0.35274070501327515},{"text":"Beautiful.","start":963.32,"end":963.82,"sentiment":"positive","sentiment_score":0.5887842178344727},{"text":"Well, leave it with me.","start":964.2,"end":965.58,"sentiment":"neutral","sentiment_score":0.15858449637889863},{"text":"If my appointment don't answer, I'll give you a call sooner.","start":965.64,"end":968.62,"sentiment":"neutral","sentiment_score":0.023713286542756992},{"text":"But, otherwise, I will go and chat through through the adviser, get a bit more clarity on it, and I will give you a call around 12:00 and give you a bit more of an update.","start":968.76,"end":978.435,"sentiment":"neutral","sentiment_score":0.13327664054102367}],"sentiment":"neutral","sentiment_score":0.12580097437387816,"num_words":54,"start":962.6,"end":978.435},{"sentences":[{"text":"Yeah.","start":979.69495,"end":980.19495,"sentiment":"positive","sentiment_score":0.4247949719429016},{"text":"No problem at all.","start":981.45496,"end":982.175,"sentiment":"neutral","sentiment_score":0.27382615953683853},{"text":"I'll speak soon.","start":982.175,"end":983.15497,"sentiment":"neutral","sentiment_score":0.18479293584823608},{"text":"Alright.","start":983.615,"end":984.115,"sentiment":"positive","sentiment_score":0.3775802552700043},{"text":"That's alright.","start":984.65497,"end":985.295,"sentiment":"neutral","sentiment_score":0.2919444143772125}],"sentiment":"neutral","sentiment_score":0.27599522742358124,"num_words":11,"start":979.69495,"end":985.295},{"sentences":[{"text":"Thanks, Ben.","start":985.295,"end":986.095,"sentiment":"positive","sentiment_score":0.6390937566757202},{"text":"Bye.","start":986.095,"end":986.595,"sentiment":"neutral","sentiment_score":-0.11842647939920424}],"sentiment":"positive","sentiment_score":0.3865870113174121,"num_words":3,"start":985.295,"end":986.595}]}}]},{"alternatives":[{"transcript":"Forwarded. Hello. Ben speaking. Good. How are you, Rogen? That's good. Yeah. It's fine. Yep. That's fine. Hey. Benjamin James Clear. 03/2012, only '91. 281 Church Lane, Casper Lane. Pretty quiet, and I don't I'm on annual leave. So Yes. That's correct. So she brought to me her adviser. She's on a child. She's a she's a child. And I just want to get a bit more understanding on that. Yep. Yes. So that that's what it's for now. Like and we she was because she's more worried about the capital gains supposedly. So what it is is she doesn't wanna have to pay any tax because, obviously, we're separated. So I'll I'll just be freely. We're separated. I paid child support. She doesn't want it to look like an income for her. And which I think is absolutely bull crap because it's for the kids, not for any no. Not for any other purpose. And if you pay a tax on it, a tax time will so be it. We're trying to get some money for the kids for when they're old enough. That's my opinion, but hers is obviously very different. So I just wanna gain an understanding on what to do. But then if I take it all fully into my name, which I don't think she will let me do, then, obviously, I'm gonna have to pay a lot more tax then too. And then it's gonna look like I have more, and then I'll have to pay her more child support for money that I don't have. So what would be do you how much tax would I have to pay on that account? Like, with the 170 what that's sitting in there now, how much tax would I have to pay on that roughly? Mhmm. No. I haven't read all that. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Okay. Mhmm. Yeah. Okay. Yep. Yep. Mhmm. Okay. Yeah. Yeah. I'm not yeah. Yeah. Yeah. Mhmm. Yeah. Schedule an account. Mhmm. Yep. Okay. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Yeah. Okay. Yep. Mhmm. Yeah. But if if if I had it for ten ten years, I don't. Is that correct? Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Okay. No. So this is this is what the holdup is because we're trying to do the consent orders now. So I've put the proposal through from my lawyer that went to her, and then she's come back now with this investment, and this is what the holdup is. So she's had ten months, eleven months to do this, and now she tries to do it as soon as we're doing the consent orders. It's very frustrating. It's like because the whole the whole thing is it's for the kids. So I don't really understand why she now all of a sudden, she's worried about it's gonna cost her, but look. She's just worried about what money she's getting and what the government's paying her and how I have to pay her. She doesn't want it to look like she has more money than she does. So, yeah, I just wanted to know what's the best outcome or what's the best option I have to what to do with what what I could do for the kids that isn't gonna make me have to pay a hell of a lot more to her for money I don't have for one. And if she was talking about yeah. You have the tax phone number for the kids, if it goes into this other account, the the the kids one. Yep. Okay. Yeah. Mhmm. Yeah. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yeah. Okay. Because what yeah. Yeah. No. That that makes sense. Because with the consent orders, her lawyers put in there that she wants to have a decision made on what we're gonna do with this account put into the consent orders. So that's why that's why there's a hold up. So she wants in the proposal leads that within twelve months of us for analyzing and settling on these consent orders, we trick the the investment account into that kid's investment. But that's what gain an understanding. We what it's all about, how it works. Yeah. And and is it a good idea, or is it better just to leave it where it is and I try and take on the full responsibility of it? However, I don't think she'll I don't think she'll allow that, but then I think I will tax more, and it's gonna look like I have more of an income. Yeah. Yep. No. Yeah. They've come back she came back to me last week after supposed discussion with her financial adviser. Obviously, I had no one no idea about any of this until she sent that to us and her lawyer to us. So I've got a discussion with my lawyer this afternoon to try and talk about what I go back to her with. So I think it's 02:00 or 03:00 this afternoon. Yeah. Yeah. Yeah. I'm available. Yep. Yep. Yeah. Yeah. She's yeah. She because what yeah. What she wants what her lawyer has now put in the consent orders is that within twelve months of the court signing off on them, we will do this. Like, we will transfer that account to that. And then that's why I'm like, wow. I know nothing about this account. I don't even what this account does. I don't know what the what it looks like. She's then told me that we need to get tax phone numbers for the kids. I'm like, okay. I need to I need to ask questions about this one. Yeah. Yep. Yep. Yep. Okay. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. That's fine. Yeah. Yeah. So that'd be great. No. I think I think that's it. I think that's it at the I just wanted to know, yeah, what's the best way to go? How should we how should I look at that? And, yeah, how it'll impact financially? What have I gotta do? Yeah. Yeah. What's the best thing for the kids, Etcetera, etcetera. Yep. That's exactly right. Yep. Yep. Perfect. No worries. Thank you very much, Veronica. I'll talk to you soon. Alright. Thank you. 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Hello. Ben speaking. Good. How are you, Rogen?\n\nThat's good. Yeah. It's fine. Yep. That's fine.\n\nHey. Benjamin James Clear. 03/2012, only '91. 281 Church Lane, Casper Lane. Pretty quiet, and I don't I'm on annual leave.\n\nSo Yes. That's correct. So she brought to me her adviser. She's on a child. She's a she's a child.\n\nAnd I just want to get a bit more understanding on that. Yep. Yes. So that that's what it's for now. Like and we she was because she's more worried about the capital gains supposedly.\n\nSo what it is is she doesn't wanna have to pay any tax because, obviously, we're separated. So I'll I'll just be freely. We're separated. I paid child support. She doesn't want it to look like an income for her.\n\nAnd which I think is absolutely bull crap because it's for the kids, not for any no. Not for any other purpose. And if you pay a tax on it, a tax time will so be it. We're trying to get some money for the kids for when they're old enough. That's my opinion, but hers is obviously very different.\n\nSo I just wanna gain an understanding on what to do. But then if I take it all fully into my name, which I don't think she will let me do, then, obviously, I'm gonna have to pay a lot more tax then too. And then it's gonna look like I have more, and then I'll have to pay her more child support for money that I don't have. So what would be do you how much tax would I have to pay on that account? Like, with the 170 what that's sitting in there now, how much tax would I have to pay on that roughly?\n\nMhmm. No. I haven't read all that. Yep. Mhmm.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Mhmm. Yep.\n\nOkay. Mhmm. Yeah. Okay. Yep.\n\nYep. Mhmm. Okay. Yeah. Yeah.\n\nI'm not yeah. Yeah. Yeah. Mhmm. Yeah.\n\nSchedule an account. Mhmm. Yep. Okay. Yep.\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nYeah. Okay. Yep. Mhmm. Yeah.\n\nBut if if if I had it for ten ten years, I don't. Is that correct? Yeah. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yep. Okay. No. So this is this is what the holdup is because we're trying to do the consent orders now.\n\nSo I've put the proposal through from my lawyer that went to her, and then she's come back now with this investment, and this is what the holdup is. So she's had ten months, eleven months to do this, and now she tries to do it as soon as we're doing the consent orders. It's very frustrating. It's like because the whole the whole thing is it's for the kids. So I don't really understand why she now all of a sudden, she's worried about it's gonna cost her, but look.\n\nShe's just worried about what money she's getting and what the government's paying her and how I have to pay her. She doesn't want it to look like she has more money than she does. So, yeah, I just wanted to know what's the best outcome or what's the best option I have to what to do with what what I could do for the kids that isn't gonna make me have to pay a hell of a lot more to her for money I don't have for one. And if she was talking about yeah. You have the tax phone number for the kids, if it goes into this other account, the the the kids one.\n\nYep. Okay. Yeah. Mhmm. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yeah. Okay. Because what yeah.\n\nYeah. No. That that makes sense. Because with the consent orders, her lawyers put in there that she wants to have a decision made on what we're gonna do with this account put into the consent orders. So that's why that's why there's a hold up.\n\nSo she wants in the proposal leads that within twelve months of us for analyzing and settling on these consent orders, we trick the the investment account into that kid's investment. But that's what gain an understanding. We what it's all about, how it works. Yeah. And and is it a good idea, or is it better just to leave it where it is and I try and take on the full responsibility of it?\n\nHowever, I don't think she'll I don't think she'll allow that, but then I think I will tax more, and it's gonna look like I have more of an income. Yeah. Yep. No. Yeah.\n\nThey've come back she came back to me last week after supposed discussion with her financial adviser. Obviously, I had no one no idea about any of this until she sent that to us and her lawyer to us. So I've got a discussion with my lawyer this afternoon to try and talk about what I go back to her with. So I think it's 02:00 or 03:00 this afternoon. Yeah.\n\nYeah. Yeah. I'm available. Yep. Yep.\n\nYeah. Yeah. She's yeah. She because what yeah. What she wants what her lawyer has now put in the consent orders is that within twelve months of the court signing off on them, we will do this.\n\nLike, we will transfer that account to that. And then that's why I'm like, wow. I know nothing about this account. I don't even what this account does. I don't know what the what it looks like.\n\nShe's then told me that we need to get tax phone numbers for the kids. I'm like, okay. I need to I need to ask questions about this one. Yeah. Yep.\n\nYep. Yep. Okay. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yeah. That's fine. Yeah. Yeah.\n\nSo that'd be great. No. I think I think that's it. I think that's it at the I just wanted to know, yeah, what's the best way to go? How should we how should I look at that?\n\nAnd, yeah, how it'll impact financially? What have I gotta do? Yeah. Yeah. What's the best thing for the kids, Etcetera, etcetera.\n\nYep. That's exactly right. Yep. Yep. Perfect.\n\nNo worries. Thank you very much, Veronica. I'll talk to you soon. Alright. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Forwarded.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.01914326474070549},{"text":"Hello.","start":2.48,"end":2.8,"sentiment":"neutral","sentiment_score":0.037526827305555344},{"text":"Ben speaking.","start":2.8,"end":3.54,"sentiment":"neutral","sentiment_score":0.034429035149514675},{"text":"Good.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3354891836643219},{"text":"How are you, Rogen?","start":7.9199996,"end":8.9,"sentiment":"neutral","sentiment_score":0.20527147874236107}],"sentiment":"neutral","sentiment_score":0.1424559178865618,"num_words":9,"start":0.32,"end":8.9},{"sentences":[{"text":"That's good.","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.6334131062030792},{"text":"Yeah.","start":15.855,"end":16.095,"sentiment":"neutral","sentiment_score":0.14958645403385162},{"text":"It's 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months of the court signing off on them, we will do this.","start":834.315,"end":844.74,"sentiment":"neutral","sentiment_score":-0.008621559189311389}],"sentiment":"neutral","sentiment_score":-0.013631279832003889,"num_words":37,"start":828.315,"end":844.74},{"sentences":[{"text":"Like, we will transfer that account to that.","start":844.8,"end":847.36,"sentiment":"neutral","sentiment_score":-0.0023968482855707407},{"text":"And then that's why I'm like, wow.","start":847.36,"end":848.88,"sentiment":"neutral","sentiment_score":-0.08117209800652095},{"text":"I know nothing about this account.","start":848.88,"end":850.485,"sentiment":"neutral","sentiment_score":-0.2113394613067309},{"text":"I don't even what this account does.","start":851.045,"end":852.725,"sentiment":"neutral","sentiment_score":-0.10785810330084392},{"text":"I don't know what the what it looks like.","start":852.725,"end":854.725,"sentiment":"neutral","sentiment_score":-0.2088872624768151}],"sentiment":"neutral","sentiment_score":-0.12136238717750923,"num_words":37,"start":844.8,"end":854.725},{"sentences":[{"text":"She's then told me that we need to get tax phone numbers for the kids.","start":854.725,"end":858.58496,"sentiment":"neutral","sentiment_score":-0.13759966442982355},{"text":"I'm like, okay.","start":859.445,"end":860.245,"sentiment":"neutral","sentiment_score":-0.07156221816937129},{"text":"I need to I need to ask questions about this one.","start":860.245,"end":863.305,"sentiment":"neutral","sentiment_score":-0.13330703296444632},{"text":"Yeah.","start":863.845,"end":864.345,"sentiment":"neutral","sentiment_score":0.016803761944174767},{"text":"Yep.","start":871.6,"end":872.1,"sentiment":"positive","sentiment_score":0.37539562582969666}],"sentiment":"neutral","sentiment_score":-0.10815676115453243,"num_words":31,"start":854.725,"end":872.1},{"sentences":[{"text":"Yep.","start":875.75995,"end":876.25995,"sentiment":"neutral","sentiment_score":0.010932641103863716},{"text":"Yep.","start":881.405,"end":881.905,"sentiment":"neutral","sentiment_score":0.058805547654628754},{"text":"Okay.","start":898.62006,"end":899.12006,"sentiment":"neutral","sentiment_score":0.005741945467889309},{"text":"Yep.","start":905.135,"end":905.635,"sentiment":"neutral","sentiment_score":-0.04514575004577637},{"text":"Yeah.","start":905.935,"end":906.435,"sentiment":"neutral","sentiment_score":-0.03971764072775841}],"sentiment":"neutral","sentiment_score":-0.0018766513094305992,"num_words":5,"start":875.75995,"end":906.435},{"sentences":[{"text":"Yeah.","start":912.095,"end":912.335,"sentiment":"neutral","sentiment_score":0.0015161819756031036},{"text":"Yep.","start":912.335,"end":912.835,"sentiment":"neutral","sentiment_score":0.028041493147611615},{"text":"Yep.","start":913.535,"end":914.035,"sentiment":"neutral","sentiment_score":0.024487396702170372},{"text":"Yep.","start":916.735,"end":917.22,"sentiment":"neutral","sentiment_score":0.05610934644937515},{"text":"Yep.","start":917.77997,"end":918.27997,"sentiment":"neutral","sentiment_score":0.06340563297271729}],"sentiment":"neutral","sentiment_score":0.03471201024949551,"num_words":5,"start":912.095,"end":918.27997},{"sentences":[{"text":"Yep.","start":928.1,"end":928.6,"sentiment":"neutral","sentiment_score":0.05002674460411072},{"text":"Yeah.","start":928.81995,"end":929.13995,"sentiment":"neutral","sentiment_score":0.04450477287173271},{"text":"That's fine.","start":929.13995,"end":929.95996,"sentiment":"neutral","sentiment_score":0.11581530421972276},{"text":"Yeah.","start":934.775,"end":935.09503,"sentiment":"neutral","sentiment_score":0.14205844700336456},{"text":"Yeah.","start":935.09503,"end":935.41504,"sentiment":"neutral","sentiment_score":0.2047705054283142}],"sentiment":"neutral","sentiment_score":0.11216517972449462,"num_words":6,"start":928.1,"end":935.41504},{"sentences":[{"text":"So that'd be great.","start":935.41504,"end":936.635,"sentiment":"positive","sentiment_score":0.4750075340270996},{"text":"No.","start":942.695,"end":942.85504,"sentiment":"neutral","sentiment_score":-0.1046486794948578},{"text":"I think I think that's it.","start":942.85504,"end":944.455,"sentiment":"neutral","sentiment_score":-0.1904918203751246},{"text":"I think that's it at the I just wanted to know, yeah, what's the best way to go?","start":944.455,"end":949.36,"sentiment":"neutral","sentiment_score":-0.01435007020417187},{"text":"How should we how should I look at that?","start":950.3,"end":952.31995,"sentiment":"neutral","sentiment_score":-0.0019750481264458764}],"sentiment":"neutral","sentiment_score":0.009904048356570695,"num_words":38,"start":935.41504,"end":952.31995},{"sentences":[{"text":"And, yeah, how it'll impact financially?","start":955.01996,"end":956.95996,"sentiment":"neutral","sentiment_score":-0.03496652034421762},{"text":"What have I gotta do?","start":957.33997,"end":958.45996,"sentiment":"neutral","sentiment_score":-0.040328599885106085},{"text":"Yeah.","start":958.45996,"end":958.86,"sentiment":"neutral","sentiment_score":0.026077650487422943},{"text":"Yeah.","start":958.86,"end":959.18,"sentiment":"neutral","sentiment_score":0.05823281779885292},{"text":"What's the best thing for the kids, Etcetera, etcetera.","start":959.18,"end":961.915,"sentiment":"neutral","sentiment_score":0.2107450837890307}],"sentiment":"neutral","sentiment_score":0.0713442773134871,"num_words":22,"start":955.01996,"end":961.915},{"sentences":[{"text":"Yep.","start":962.135,"end":962.455,"sentiment":"neutral","sentiment_score":0.15277069807052612},{"text":"That's exactly right.","start":962.455,"end":963.675,"sentiment":"positive","sentiment_score":0.3973349630832672},{"text":"Yep.","start":969.095,"end":969.595,"sentiment":"neutral","sentiment_score":0.06743361055850983},{"text":"Yep.","start":974.19,"end":974.69,"sentiment":"neutral","sentiment_score":0.14216046035289764},{"text":"Perfect.","start":976.51,"end":977.01,"sentiment":"neutral","sentiment_score":0.30747538805007935}],"sentiment":"neutral","sentiment_score":0.26597786375454496,"num_words":7,"start":962.135,"end":977.01},{"sentences":[{"text":"No worries.","start":978.51,"end":978.99,"sentiment":"positive","sentiment_score":0.37130390107631683},{"text":"Thank you very much, Veronica.","start":978.99,"end":980.03,"sentiment":"positive","sentiment_score":0.7585891485214233},{"text":"I'll talk to you soon.","start":980.03,"end":981.09,"sentiment":"neutral","sentiment_score":0.3298530787229538},{"text":"Alright.","start":983.15,"end":983.55,"sentiment":"neutral","sentiment_score":0.21777264773845673},{"text":"Thank you.","start":983.55,"end":984.03,"sentiment":"positive","sentiment_score":0.5061202198266983}],"sentiment":"positive","sentiment_score":0.4943221350510915,"num_words":15,"start":978.51,"end":984.03},{"sentences":[{"text":"Bye.","start":984.03,"end":984.53,"sentiment":"neutral","sentiment_score":0.24434050917625427}],"sentiment":"neutral","sentiment_score":0.24434050917625427,"num_words":1,"start":984.03,"end":984.53}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Forwarded. Hello. Ben speaking.\n\nChannel 0: Good morning, Ben. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. How are you, Rogen?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I had you booked in for a little bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Yes. Perfect. Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm full name, date of birth, and address, please?\n\nChannel 1: Hey. Benjamin James Clear.\n\nChannel 0: Yep.\n\nChannel 1: 03/2012, only '91.\n\nChannel 0: Yep. Perfect. And this address as well. Sorry.\n\nChannel 1: 281 Church Lane, Casper Lane.\n\nChannel 0: Yep. Beautiful. And how's your morning been? Been busy or just kind of getting started?\n\nChannel 1: Pretty quiet, and I don't I'm on annual leave. So\n\nChannel 0: Oh, that's nice. Well, I had you booked in because I believe you had called in after your, I think, your ex wife spoke to you you about some investments\n\nChannel 1: Yes.\n\nChannel 0: or something like that. Is that right?\n\nChannel 1: That's correct. So she\n\nChannel 0: Yes,\n\nChannel 1: brought to me her adviser. She's on a child.\n\nChannel 0: sir.\n\nChannel 1: She's a she's a\n\nChannel 0: Mhmm.\n\nChannel 1: child.\n\nChannel 0: Mhmm.\n\nChannel 1: And I just want to get a bit more understanding on that.\n\nChannel 0: Yeah. So for investments, there's obviously a lot of different investments we look at for different purposes.\n\nChannel 1: Yep.\n\nChannel 0: Is it is it specifically child investments? Is that the purpose of why you guys set up the personal investment account to start with?\n\nChannel 1: Yes. So that that's\n\nChannel 0: Yeah.\n\nChannel 1: what it's for now. Like and we she was because she's more worried about the capital gains\n\nChannel 0: Okay.\n\nChannel 1: supposedly. So what it is is she doesn't wanna have to pay any tax\n\nChannel 0: Okay.\n\nChannel 1: because, obviously, we're separated. So I'll I'll just be freely. We're separated.\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: I paid child support.\n\nChannel 0: Yep.\n\nChannel 1: She doesn't want it to look like an income for her.\n\nChannel 0: Okay.\n\nChannel 1: And which I think is absolutely bull crap because it's for the kids, not\n\nChannel 0: Mhmm.\n\nChannel 1: for any no. Not for any other purpose. And if you pay a tax\n\nChannel 0: Yeah.\n\nChannel 1: on it, a tax time will so be it.\n\nChannel 0: Yep. Yep.\n\nChannel 1: We're trying to get some money for the kids for when they're\n\nChannel 0: Yeah.\n\nChannel 1: old enough.\n\nChannel 0: Yep.\n\nChannel 1: That's my opinion, but hers is obviously\n\nChannel 0: Yep.\n\nChannel 1: very different.\n\nChannel 0: Okay.\n\nChannel 1: So I just wanna gain an understanding on what to do. But then if I\n\nChannel 0: Yep.\n\nChannel 1: take\n\nChannel 0: Yeah.\n\nChannel 1: it all fully into my name, which I don't think\n\nChannel 0: Yes.\n\nChannel 1: she will let me do,\n\nChannel 0: Yep.\n\nChannel 1: then, obviously, I'm gonna have to pay a lot more tax then too. And then it's gonna look like I have\n\nChannel 0: Correct.\n\nChannel 1: more, and then I'll have to pay her more child support for money that I don't\n\nChannel 0: Correct.\n\nChannel 1: have.\n\nChannel 0: Yes. You are correct.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: what would be do you how much tax would I have to pay on that account? Like, with the 170\n\nChannel 0: Yep.\n\nChannel 1: what that's sitting in there now, how much tax would I have to pay on that roughly?\n\nChannel 0: Yep. Now it is very tricky right now because of the proposed changes. I'm not sure if\n\nChannel 1: Mhmm.\n\nChannel 0: you've read the Australian federal government proposed changes.\n\nChannel 1: No. I\n\nChannel 0: Not\n\nChannel 1: haven't\n\nChannel 0: in\n\nChannel 1: read\n\nChannel 0: effect\n\nChannel 1: all that.\n\nChannel 0: no. That's all good. They have this proposed changes to take effect on the 07/01/2027.\n\nChannel 1: Yep.\n\nChannel 0: It's not enforced yet, though. Sorry.\n\nChannel 1: Mhmm.\n\nChannel 0: Who knows? The way that things work as of right now without any changes to the legislation, how the capital gains tax will work is that when you guys sell your investment, so whether that is that you completely sell it sell it out and whatever you guys\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: wanna do with the investment, that will be capital gains on the earnings.\n\nChannel 1: Yep.\n\nChannel 0: So whatever you've made from the investments, you will have to pay capital gains tax on it.\n\nChannel 1: Yep.\n\nChannel 0: That\n\nChannel 1: Yep.\n\nChannel 0: will be calculated as per your individual marginal tax rate. So\n\nChannel 1: Okay.\n\nChannel 0: whatever income she would be on, that will be the rate that she would pay. And then, obviously, for you, it will be your marginal\n\nChannel 1: Yep.\n\nChannel 0: tax rate at the time.\n\nChannel 1: Yep.\n\nChannel 0: Now with the current legislation as well, there is a 50% discount\n\nChannel 1: Mhmm.\n\nChannel 0: if you've had the investment for more than twelve months.\n\nChannel 1: Yep.\n\nChannel 0: That is how it is right now. Now\n\nChannel 1: Okay.\n\nChannel 0: the proposed changes is looking at re getting rid of that 50% discount\n\nChannel 1: Mhmm.\n\nChannel 0: with a minimum of a 30% tax rate later, but we don't know yet how that's\n\nChannel 1: Yeah.\n\nChannel 0: potentially\n\nChannel 1: Okay.\n\nChannel 0: going to change.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So that would only be the capital gains would only be when you guys sell your investment.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: So whether that would be, like, if she was like, oh, I wanna sell the investments now and put them in through a child investment bond or whatever it is, you would still have to pay the tax when you sell\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously, the\n\nChannel 1: I'm\n\nChannel 0: more\n\nChannel 1: not\n\nChannel 0: you have\n\nChannel 1: yeah.\n\nChannel 0: in it, the more the grow, the more, obviously\n\nChannel 1: Yeah.\n\nChannel 0: correct. But then, obviously, when you guys do your individual tax returns, you would have to declare your portion. And unless you guys have a special agreement, I imagine it's just $50.50. Like, you don't\n\nChannel 1: Yeah.\n\nChannel 0: have anything in in place saying that you have x amount or she has x amount. It's just like a fifty fifty. Is that correct?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So then when you guys do your your tax return, you would obviously declare that. So do you do it yourself, or do you go to an accountant?\n\nChannel 1: Schedule an account.\n\nChannel 0: Yep. Perfect. So they would probably have already gone through that with you. But, yeah, every time you same with, like, if you had a savings account\n\nChannel 1: Mhmm.\n\nChannel 0: on, like, your bank account, you'd have to obviously declare, like, interest and stuff like that earned. So it will be when you do your tax return, and that would obviously, again, be split because you own it together.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: how that works. Now\n\nChannel 1: Yep.\n\nChannel 0: from a investment point point of view, that can be a really good investment option for if if the purpose is specifically to save for children, it is a\n\nChannel 1: Mhmm.\n\nChannel 0: very tax effective option because it's kind of classified as a life insurance product. So it works a little bit different. It's still like an investment.\n\nChannel 1: Mhmm.\n\nChannel 0: But how it works is that at the time you were to sell the investment, as long as you've had it for at least ten years, so that's kind of the thing to make it really tax effective. You ideally wanna have it for ten years time frame,\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: and and then you don't have to pay any capital gains tax personally. So by the time it then matures and whatever if you wanna give it to your kids at the time or fifteen years or whatever time frame you guys set, there will be no capital k tax applicable.\n\nChannel 1: Yeah.\n\nChannel 0: But then, also, you wouldn't have to declare anything into your tax return. So that's why it makes it very tax effective\n\nChannel 1: Okay.\n\nChannel 0: from that time.\n\nChannel 1: Yep.\n\nChannel 0: It is the time frame, though, of the ten years.\n\nChannel 1: Mhmm.\n\nChannel 0: And because you already have the IDPS, if you were to sell it now, you would still have to pay the capital gains tax and everything like that.\n\nChannel 1: Yeah. But if if if I had it for ten ten years, I don't. Is that correct?\n\nChannel 0: For the for the investment bond. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: For the\n\nChannel 1: Yep.\n\nChannel 0: investment bond. Correct. If you have it for ten years, you don't, which\n\nChannel 1: Yep.\n\nChannel 0: is why a lot of a lot of people find it a very good way to save for children as\n\nChannel 1: Yep.\n\nChannel 0: long as you are comfortable, obviously, locking it in for ten years\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and having that kind of long term investment. It can be a\n\nChannel 1: Yeah.\n\nChannel 0: really\n\nChannel 1: Yeah.\n\nChannel 0: good effective way of doing it.\n\nChannel 1: Okay.\n\nChannel 0: Now, obviously, if your goals are slightly misaligning, I was having a chat through, adviser as well, and we both kind of said, well, the best way to go about it would be to have a joint conversation if that is something you are open through to the four of us,\n\nChannel 1: Yep.\n\nChannel 0: through see, obviously, what you both want to do and what is going to be the best for both of you in this situation if you wanted to make a change.\n\nChannel 1: Okay.\n\nChannel 0: The the only thing I do wanted to check with you is is the money accessible now? Like, is everything completely finalized with the separation and everything, or is it still kind of locked in for another couple of months before\n\nChannel 1: No.\n\nChannel 0: you have\n\nChannel 1: So\n\nChannel 0: access\n\nChannel 1: this is\n\nChannel 0: to do\n\nChannel 1: this\n\nChannel 0: something?\n\nChannel 1: is what the holdup is because we're\n\nChannel 0: Okay.\n\nChannel 1: trying to do the consent orders now. So I've put\n\nChannel 0: Yes.\n\nChannel 1: the proposal through from my\n\nChannel 0: Yep.\n\nChannel 1: lawyer that went\n\nChannel 0: Mhmm.\n\nChannel 1: to her, and then she's come back now with this investment,\n\nChannel 0: Right.\n\nChannel 1: and this is what\n\nChannel 0: Mhmm.\n\nChannel 1: the holdup is. So she's\n\nChannel 0: Right.\n\nChannel 1: had ten months, eleven months to do this, and now\n\nChannel 0: Yeah.\n\nChannel 1: she tries to do it as soon as we're doing the consent orders.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: Because\n\nChannel 1: very\n\nChannel 0: how it's\n\nChannel 1: frustrating. It's\n\nChannel 0: yeah. I can I can\n\nChannel 1: like\n\nChannel 0: imagine, especially such a\n\nChannel 1: because\n\nChannel 0: long time?\n\nChannel 1: the whole the whole thing is it's for the kids. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I don't really understand why she now all of a sudden, she's worried about it's gonna cost\n\nChannel 0: Yeah.\n\nChannel 1: her, but look. She's just worried about what money she's getting and what the government's paying\n\nChannel 0: Yeah.\n\nChannel 1: her and how I have to pay her. She doesn't want it to look like she has more money than she does. So, yeah, I just wanted to know what's the best outcome\n\nChannel 0: Yeah.\n\nChannel 1: or what's the best option I have\n\nChannel 0: Mhmm.\n\nChannel 1: to what to do with what what I could do for the kids\n\nChannel 0: Yeah.\n\nChannel 1: that isn't gonna make me have to pay a hell of a lot more\n\nChannel 0: Yes.\n\nChannel 1: to her\n\nChannel 0: Yes.\n\nChannel 1: for money I don't have for one.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And\n\nChannel 0: Now\n\nChannel 1: if\n\nChannel 0: one\n\nChannel 1: she\n\nChannel 0: way\n\nChannel 1: was talking about yeah.\n\nChannel 0: yeah.\n\nChannel 1: You have the tax phone number for the kids, if it goes into this other account, the the the kids one.\n\nChannel 0: You don't need a tax fund number for that because it's it's not like an like, it is an investment, but it is a life insurance product rules.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: you don't need a tax fund number through the do the personal investment account. Sorry. For the investment bond. I would say so because with the consent order, typically, you won't be able to actually do anything with the money anyway until it's all finalized. So\n\nChannel 1: Yeah.\n\nChannel 0: until, obviously, the consent order is completely finalized\n\nChannel 1: Mhmm.\n\nChannel 0: and you guys have access to do what you want with the money, I would say we when it's sorted, we should have a conversation, the four of us.\n\nChannel 1: Yeah.\n\nChannel 0: And then, obviously, from that conversation, I can go and speak to you individually, and then, obviously,\n\nChannel 1: Yep.\n\nChannel 0: tell hey. This adviser will go and do the same.\n\nChannel 1: Yep.\n\nChannel 0: And then me and that adviser will work on a strategy. Like, I'll only focus on your situation, obviously, and what works best for you.\n\nChannel 1: Yep.\n\nChannel 0: And he will then do the same for her, and then\n\nChannel 1: Yep.\n\nChannel 0: we will work on well, together, what are we going to do to achieve the outcome for both of you? Whether\n\nChannel 1: Yep.\n\nChannel 0: that is you sell the IDPS if that's what you guys want to do, you\n\nChannel 1: Mhmm.\n\nChannel 0: split the money. And then if you want to invest your portion into an investment bond and she wants to do the same, you have complete freedom to do whatever you want. Or whether you want to set up another investment account that is just in your name, we can\n\nChannel 1: Yep.\n\nChannel 0: then work on the different strategy. Well, okay. How is that gonna look like from an asset point of view for you, and how is that gonna potentially impact your situation with having to pay child support and stuff like that?\n\nChannel 1: Yeah. Okay. Because\n\nChannel 0: Does that\n\nChannel 1: what\n\nChannel 0: make sense?\n\nChannel 1: yeah. Yeah. No. That that makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: Yeah.\n\nChannel 1: Because with the consent orders, her lawyers put\n\nChannel 0: Mhmm.\n\nChannel 1: in there that she wants to have a decision made on what we're gonna do with this account put into the consent orders.\n\nChannel 0: Right.\n\nChannel 1: So that's why that's why there's\n\nChannel 0: Okay.\n\nChannel 1: a hold up. So she\n\nChannel 0: Right.\n\nChannel 1: wants in the proposal leads that within twelve months\n\nChannel 0: Mhmm.\n\nChannel 1: of us for analyzing and settling on these consent orders, we\n\nChannel 0: Yep.\n\nChannel 1: trick the\n\nChannel 0: Mhmm.\n\nChannel 1: the investment account into that kid's\n\nChannel 0: Right.\n\nChannel 1: investment.\n\nChannel 0: Okay.\n\nChannel 1: But\n\nChannel 0: And\n\nChannel 1: that's what gain an understanding.\n\nChannel 0: yeah.\n\nChannel 1: We what it's all about, how it works.\n\nChannel 0: How yeah.\n\nChannel 1: Yeah. And\n\nChannel 0: So\n\nChannel 1: and is it a good idea, or is it better just to leave it where it is and I try and take on the full responsibility of it? However, I\n\nChannel 0: Yeah.\n\nChannel 1: don't think she'll I don't think she'll allow that, but then I\n\nChannel 0: Yep.\n\nChannel 1: think I will tax more, and it's gonna look like I have more of an income.\n\nChannel 0: Yes. Yeah. Because it will be you will have more of an asset, and, yes, that will be\n\nChannel 1: Yeah.\n\nChannel 0: the case.\n\nChannel 1: Yep.\n\nChannel 0: So which we we don't want from that point of view.\n\nChannel 1: No.\n\nChannel 0: When do you are they waiting on you to make a decision on their what to do right now? Or is\n\nChannel 1: Yeah.\n\nChannel 0: that what things\n\nChannel 1: They've\n\nChannel 0: like\n\nChannel 1: come\n\nChannel 0: that?\n\nChannel 1: back she came back to me last week after supposed discussion with her financial adviser.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: Obviously, I had no one no idea about any of\n\nChannel 0: Yeah.\n\nChannel 1: this until she sent that to us and\n\nChannel 0: Yeah.\n\nChannel 1: her lawyer to us. So\n\nChannel 0: Yeah.\n\nChannel 1: I've got a discussion with my lawyer this afternoon\n\nChannel 0: Okay.\n\nChannel 1: to try and talk about what I go back to her with.\n\nChannel 0: Yep. Okay. What\n\nChannel 1: So\n\nChannel 0: time are you seeing them?\n\nChannel 1: I think it's 02:00 or 03:00 this afternoon.\n\nChannel 0: 04:00. Okay. Are you quite avail you have annual leave, you said. Are you quite available until then?\n\nChannel 1: Yeah. Yeah. Yeah. I'm\n\nChannel 0: Yeah?\n\nChannel 1: available.\n\nChannel 0: Okay. Because what I might do is because that is a little bit different to what I spoke through her adviser about, because that was\n\nChannel 1: Yep.\n\nChannel 0: kind of like, oh, Wednesday consent order is finalized. We\n\nChannel 1: Yep.\n\nChannel 0: will then have a discussion what we wanna do with the money. But if\n\nChannel 1: Yeah.\n\nChannel 0: she's kind\n\nChannel 1: Yeah.\n\nChannel 0: of said,\n\nChannel 1: She's\n\nChannel 0: well, I want that before, that obviously\n\nChannel 1: yeah. She\n\nChannel 0: pushes\n\nChannel 1: because\n\nChannel 0: that time\n\nChannel 1: what yeah.\n\nChannel 0: frame\n\nChannel 1: What\n\nChannel 0: forward.\n\nChannel 1: she wants what her lawyer has now put in the consent orders is that within twelve months of the court signing off on them,\n\nChannel 0: Mhmm.\n\nChannel 1: we will do this. Like, we will transfer\n\nChannel 0: Right.\n\nChannel 1: that account to that. And then that's\n\nChannel 0: Yeah.\n\nChannel 1: why I'm like, wow. I know nothing about\n\nChannel 0: That's\n\nChannel 1: this account.\n\nChannel 0: a lot.\n\nChannel 1: I\n\nChannel 0: Yes.\n\nChannel 1: don't even\n\nChannel 0: Yes.\n\nChannel 1: what this account\n\nChannel 0: Yeah.\n\nChannel 1: does. I don't know what the what it looks like. She's then told me that we need to get tax phone numbers for the kids.\n\nChannel 0: Right.\n\nChannel 1: I'm like,\n\nChannel 0: Okay.\n\nChannel 1: okay.\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: need\n\nChannel 0: kind\n\nChannel 1: to I\n\nChannel 0: of just\n\nChannel 1: need to ask\n\nChannel 0: spiraled\n\nChannel 1: questions\n\nChannel 0: a little bit.\n\nChannel 1: about this one. Yeah.\n\nChannel 0: Yeah. Okay. So what I might do is I will just I have because now I have a complete picture from you, which is great,\n\nChannel 1: Yep.\n\nChannel 0: which is, yeah, a little bit different through what I had before, so that is great.\n\nChannel 1: Yep.\n\nChannel 0: Now what I will go is I will go and speak through that adviser as well\n\nChannel 1: Yep.\n\nChannel 0: and see what we can do jointly because, also, it's like, well, from my understanding, they haven't entered into advice or any actual formal recommendation whether the investment bond is going to be the best option for the kids or not yet.\n\nChannel 1: Okay.\n\nChannel 0: So it does seem then a little bit strange that that's the stipulation in there. Because in order to do\n\nChannel 1: Yep.\n\nChannel 0: that,\n\nChannel 1: Yeah.\n\nChannel 0: when from my understanding, with speaking to the adviser, it's like that was just a topic of conversation to potentially\n\nChannel 1: Yeah. Yep.\n\nChannel 0: more, not\n\nChannel 1: Yep.\n\nChannel 0: that it was something you should definitely do. So\n\nChannel 1: Yep.\n\nChannel 0: I wanna go\n\nChannel 1: Yep.\n\nChannel 0: and get clarification on that. Now I do have an appointment straight after yours, but I will have availability about 12:00 to give you a callback\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: see if\n\nChannel 1: That's\n\nChannel 0: I can get\n\nChannel 1: fine.\n\nChannel 0: a bit more information so that you have a bit more anyway before you go and speak to the lawyer this afternoon.\n\nChannel 1: Yeah. Yeah. So that'd be great.\n\nChannel 0: Yeah. Yep. No problem at all. Was there anything else that I kind of I need to know or anything\n\nChannel 1: No. I think I think\n\nChannel 0: no?\n\nChannel 1: that's it. I think that's\n\nChannel 0: Okay.\n\nChannel 1: it at the I just wanted\n\nChannel 0: Yeah.\n\nChannel 1: to know, yeah, what's the best way to go?\n\nChannel 0: Mhmm.\n\nChannel 1: How should we how should I look at that?\n\nChannel 0: Yes. And how it will impact you\n\nChannel 1: And, yeah, how\n\nChannel 0: with\n\nChannel 1: it'll impact\n\nChannel 0: your situation.\n\nChannel 1: financially? What have I gotta\n\nChannel 0: Yep.\n\nChannel 1: do? Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: What's the best thing for the kids, Etcetera, etcetera.\n\nChannel 0: Yep.\n\nChannel 1: Yep. That's\n\nChannel 0: Okay.\n\nChannel 1: exactly right.\n\nChannel 0: Beautiful. Well, leave it with me. If my appointment don't answer, I'll give you a call sooner. But, otherwise,\n\nChannel 1: Yep.\n\nChannel 0: I will go and chat through through the adviser, get a bit more clarity on it, and I will give\n\nChannel 1: Yep.\n\nChannel 0: you a call around 12:00\n\nChannel 1: Perfect.\n\nChannel 0: and give you a bit more of an update.\n\nChannel 1: No worries. Thank you very much, Veronica.\n\nChannel 0: Yeah.\n\nChannel 1: I'll talk to you soon.\n\nChannel 0: No problem at all. I'll speak soon.\n\nChannel 1: Alright. Thank\n\nChannel 0: Alright.\n\nChannel 1: you. Bye.\n\nChannel 0: That's alright. Thanks, Ben. Bye.","paragraphs":[{"sentences":[{"text":"Forwarded.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.01914326474070549},{"text":"Hello.","start":2.48,"end":2.8,"sentiment":"neutral","sentiment_score":0.037526827305555344},{"text":"Ben speaking.","start":2.8,"end":3.54,"sentiment":"neutral","sentiment_score":0.034429035149514675}],"sentiment":"neutral","sentiment_score":0.031382040586322546,"channel":1,"num_words":4,"start":0.32,"end":3.54},{"sentences":[{"text":"Good morning, Ben.","start":4.16,"end":4.96,"sentiment":"neutral","sentiment_score":0.3011825581391652},{"text":"This is Veronica from Oakview Financial.","start":4.96,"end":6.74,"sentiment":"neutral","sentiment_score":0.22177101920048395},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.17498893539110819}],"sentiment":"neutral","sentiment_score":0.22992838298281035,"channel":0,"num_words":12,"start":4.16,"end":7.62},{"sentences":[{"text":"Good.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3354891836643219},{"text":"How are you, Rogen?","start":7.9199996,"end":8.9,"sentiment":"neutral","sentiment_score":0.20527147874236107}],"sentiment":"neutral","sentiment_score":0.23131501972675322,"channel":1,"num_words":5,"start":7.52,"end":8.9},{"sentences":[{"text":"Yeah.","start":9.28,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.32188206911087036},{"text":"I'm 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you?","start":14.08,"end":15.555,"sentiment":"neutral","sentiment_score":0.20808045566082}],"sentiment":"neutral","sentiment_score":0.23051137867428007,"channel":0,"num_words":21,"start":12.0,"end":15.555},{"sentences":[{"text":"Yeah.","start":15.855,"end":16.095,"sentiment":"neutral","sentiment_score":0.14958645403385162},{"text":"It's fine.","start":16.095,"end":16.755,"sentiment":"neutral","sentiment_score":0.18756087124347687}],"sentiment":"neutral","sentiment_score":0.17490273217360178,"channel":1,"num_words":3,"start":15.855,"end":16.755},{"sentences":[{"text":"Yes.","start":16.755001,"end":17.255001,"sentiment":"neutral","sentiment_score":0.2801046669483185},{"text":"Perfect.","start":17.395,"end":17.895,"sentiment":"positive","sentiment_score":0.4203386902809143},{"text":"Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.515,"end":24.775002,"sentiment":"neutral","sentiment_score":0.04108132641496403}],"sentiment":"neutral","sentiment_score":0.06169068322827419,"channel":0,"num_words":30,"start":16.755001,"end":24.775002},{"sentences":[{"text":"Yep.","start":25.055,"end":25.294998,"sentiment":"neutral","sentiment_score":0.09159218519926073},{"text":"That's fine.","start":25.294998,"end":26.115,"sentiment":"neutral","sentiment_score":0.1435885727405548}],"sentiment":"neutral","sentiment_score":0.12625644356012344,"channel":1,"num_words":3,"start":25.055,"end":26.115},{"sentences":[{"text":"Yep.","start":26.115,"end":26.595001,"sentiment":"neutral","sentiment_score":0.14728249609470367},{"text":"Perfect.","start":26.595001,"end":27.075,"sentiment":"neutral","sentiment_score":0.27327531576156616},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm full name, date of birth, and address, please?","start":27.075,"end":34.48,"sentiment":"neutral","sentiment_score":0.06732416388889154}],"sentiment":"neutral","sentiment_score":0.07625883526634425,"channel":0,"num_words":32,"start":26.115,"end":34.48},{"sentences":[{"text":"Hey.","start":35.01,"end":35.329998,"sentiment":"neutral","sentiment_score":0.017821375280618668},{"text":"Benjamin James Clear.","start":35.329998,"end":36.71,"sentiment":"neutral","sentiment_score":0.01106933287034432}],"sentiment":"neutral","sentiment_score":0.012757343472912908,"channel":1,"num_words":4,"start":35.01,"end":36.71},{"sentences":[{"text":"Yep.","start":37.1,"end":37.6,"sentiment":"neutral","sentiment_score":0.01710374839603901}],"sentiment":"neutral","sentiment_score":0.01710374839603901,"channel":0,"num_words":1,"start":37.1,"end":37.6},{"sentences":[{"text":"03/2012, only '91.","start":37.489998,"end":39.51,"sentiment":"neutral","sentiment_score":0.015096123640735945}],"sentiment":"neutral","sentiment_score":0.015096123640735945,"channel":1,"num_words":3,"start":37.489998,"end":39.51},{"sentences":[{"text":"Yep.","start":40.059998,"end":40.54,"sentiment":"neutral","sentiment_score":0.06664744764566422},{"text":"Perfect.","start":40.54,"end":41.04,"sentiment":"neutral","sentiment_score":0.19209346175193787},{"text":"And this address as well.","start":41.1,"end":42.22,"sentiment":"neutral","sentiment_score":0.08928182423114776},{"text":"Sorry.","start":42.22,"end":42.72,"sentiment":"neutral","sentiment_score":0.011402822099626064}],"sentiment":"neutral","sentiment_score":0.08956910658162087,"channel":0,"num_words":8,"start":40.059998,"end":42.72},{"sentences":[{"text":"281 Church Lane, Casper Lane.","start":43.045002,"end":45.145,"sentiment":"neutral","sentiment_score":0.01689985916018486}],"sentiment":"neutral","sentiment_score":0.01689985916018486,"channel":1,"num_words":5,"start":43.045002,"end":45.145},{"sentences":[{"text":"Yep.","start":45.565002,"end":45.965,"sentiment":"neutral","sentiment_score":0.09890143573284148},{"text":"Beautiful.","start":45.965,"end":46.465,"sentiment":"positive","sentiment_score":0.36762216687202454},{"text":"And how's your morning been?","start":46.525,"end":47.725002,"sentiment":"neutral","sentiment_score":0.10828596949577332},{"text":"Been busy or just kind of getting started?","start":47.725002,"end":49.665,"sentiment":"neutral","sentiment_score":0.012226374237798154}],"sentiment":"neutral","sentiment_score":0.07371762959907452,"channel":0,"num_words":15,"start":45.565002,"end":49.665},{"sentences":[{"text":"Pretty quiet, and I don't I'm on annual 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The customer is advised to file a tax return and set up an account for future returns. The savings account is tax-efficient and can be used for a life insurance product, but not required to pay capital gains taxes. Representatives suggest setting up a joint conversation to save money for future generations and may need to make a decision on the account. Consent orders and a tax phone number are necessary, and further information will be needed after the customer speaks with their adviser."},"intents":{"segments":[{"text":"Ben speaking. Good morning, Ben. This is Veronica from Oakview Financial. How are you? Good.","start_word":2,"end_word":16,"intents":[{"intent":"Offer help","confidence_score":0.0007099452}]},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm full name, date of birth, and address, please? 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And then, obviously, for you, it will be your marginal Yep. tax rate at the time.","start_word":654,"end_word":716,"intents":[{"intent":"Explain tax rates","confidence_score":0.024141256}]},{"text":"will be calculated as per your individual marginal tax rate. So Okay. whatever income she would be on, that will be the rate that she would pay. And then, obviously, for you, it will be your marginal Yep. tax rate at the time.","start_word":674,"end_word":716,"intents":[{"intent":"Clarify tax rates","confidence_score":0.013944517}]},{"text":"the proposed changes is looking at re getting rid of that 50% discount Mhmm. with a minimum of a 30% tax rate later, but we don't know yet how that's Yeah.","start_word":751,"end_word":781,"intents":[{"intent":"Plan changes to tax rate","confidence_score":0.00017452662}]},{"text":"very tax effective option because it's kind of classified as a life insurance product. So it works a little bit different. It's still like an investment. Mhmm.","start_word":1070,"end_word":1096,"intents":[{"intent":"Explain tax advantages","confidence_score":0.0032362381}]},{"text":"Okay.","start_word":1448,"end_word":1448,"intents":[{"intent":"Discuss and agree on an investment plan","confidence_score":0.0000014039063}]},{"text":"The the only thing I do wanted to check with you is is the money accessible now? Like, is everything completely finalized with the separation and everything, or is it still kind of locked in for another couple of months before No.","start_word":1449,"end_word":1490,"intents":[{"intent":"Check and confirm funds access","confidence_score":0.0015434884}]},{"text":"trying to do the consent orders now. So I've put Yes.","start_word":1509,"end_word":1519,"intents":[{"intent":"Discuss consent orders","confidence_score":0.045640677}]},{"text":"She's just worried about what money she's getting and what the government's paying Yeah.","start_word":1632,"end_word":1645,"intents":[{"intent":"Discuss costs of investment","confidence_score":0.00017993324}]},{"text":"or what's the best option I have Mhmm.","start_word":1680,"end_word":1687,"intents":[{"intent":"Explore options","confidence_score":0.00074941566}]},{"text":"And then if you want to invest your portion into an investment bond and she wants to do the same, you have complete freedom to do whatever you want. Or whether you want to set up another investment account that is just in your name, we can Yep. then work on the different strategy. Well, okay.","start_word":1987,"end_word":2042,"intents":[{"intent":"Educate about investment strategy","confidence_score":0.0015154714}]},{"text":"Obviously, I had no one no idea about any of Yeah. this until she sent that to us and Yeah. her lawyer to us.","start_word":2334,"end_word":2357,"intents":[{"intent":"Discuss legal matter","confidence_score":0.07672811}]},{"text":"will then have a discussion what we wanna do with the money. But if Yeah.","start_word":2459,"end_word":2473,"intents":[{"intent":"Discuss money transfer","confidence_score":0.1559809}]},{"text":"She's then told me that we need to get tax phone numbers for the kids.","start_word":2572,"end_word":2586,"intents":[{"intent":"Obtain tax phone numbers","confidence_score":0.011891056}]},{"text":"So I it's need kind to I of just need to ask spiraled questions a little bit. about this one. Yeah.","start_word":2592,"end_word":2612,"intents":[{"intent":"Discuss spiraled questions","confidence_score":0.09449304}]},{"text":"So what I might do is I will just I have because now I have a complete picture from you, which is great, Yep. which is, yeah, a little bit different through what I had before, so that is great. Yep.","start_word":2615,"end_word":2655,"intents":[{"intent":"Express gratitude","confidence_score":0.0011114983},{"intent":"Confirm picture","confidence_score":0.0016697667}]},{"text":"Now what I will go is I will go and speak through that adviser as well Yep. and see what we can do jointly because, also, it's like, well, from my understanding, they haven't entered into advice or any actual formal recommendation whether the investment bond is going to be the best option for the kids or not yet. Okay.","start_word":2657,"end_word":2716,"intents":[{"intent":"Discuss adviser","confidence_score":0.08513782}]},{"text":"and see what we can do jointly because, also, it's like, well, from my understanding, they haven't entered into advice or any actual formal recommendation whether the investment bond is going to be the best option for the kids or not yet.","start_word":2673,"end_word":2714,"intents":[{"intent":"Clarify recommendation","confidence_score":0.19267876}]},{"text":"I wanna go Yep. and get clarification on that.","start_word":2774,"end_word":2782,"intents":[{"intent":"Get clarification","confidence_score":0.11563146}]},{"text":"Now I do have an appointment straight after yours, but I will have availability about 12:00 to give you a callback Yep. and Yeah.","start_word":2783,"end_word":2806,"intents":[{"intent":"Schedule call","confidence_score":0.00066121115},{"intent":"Confirm appointment","confidence_score":0.0028747318}]},{"text":"And how it will impact you And, yeah, how with it'll impact your situation. financially?","start_word":2901,"end_word":2915,"intents":[{"intent":"Understand impact on situation","confidence_score":0.0033666724},{"intent":"Discuss financial situation","confidence_score":0.12553866}]}]},"sentiments":{"segments":[{"text":"Forwarded. Hello. Ben speaking. Good morning, Ben. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1686004251241684},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.3354891836643219},{"text":"How are you, Rogen? Yeah.","start_word":17,"end_word":21,"sentiment":"neutral","sentiment_score":0.23466968536376953},{"text":"I'm good. Thanks. That's good.","start_word":22,"end_word":26,"sentiment":"positive","sentiment_score":0.5996052622795105},{"text":"I had you booked in for a little bit of a catch up. Is now still a good time for you? Yeah. It's fine. Yes.","start_word":27,"end_word":51,"sentiment":"neutral","sentiment_score":0.22055041790008545},{"text":"Perfect.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.4203386902809143},{"text":"Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. That's fine. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm full name, date of birth, and address, please? Hey. Benjamin James Clear. Yep. 03/2012, only '91. Yep. Perfect. And this address as well. Sorry. 281 Church Lane, Casper Lane. Yep.","start_word":53,"end_word":137,"sentiment":"neutral","sentiment_score":0.06063258275389671},{"text":"Beautiful.","start_word":138,"end_word":138,"sentiment":"positive","sentiment_score":0.36762216687202454},{"text":"And how's your morning been? Been busy or just kind of getting started? Pretty quiet, and I don't I'm on annual leave. So Oh, that's nice. Well, I had you booked in because I believe you had called in after your, I think, your ex wife spoke to you you about some investments Yes. or something like that. Is that right? That's correct. So she Yes, brought to me her adviser. She's on a child. sir. She's a she's a Mhmm. child. Mhmm. And I just want to get a bit more understanding on that. Yeah. So for investments, there's obviously a lot of different investments we look at for different purposes. Yep. Is it is it specifically child investments? Is that the purpose of why you guys set up the personal investment account to start with? Yes. So that that's Yeah. what it's for now. Like and we she was because she's more worried about the capital gains Okay. supposedly. So what it is is she doesn't wanna have to pay any tax Okay. because, obviously, we're separated. So I'll I'll just be freely. We're separated. Mhmm. Yes. I paid child support. Yep. She doesn't want it to look like an income for her. Okay.","start_word":139,"end_word":344,"sentiment":"neutral","sentiment_score":-0.013026535685074706},{"text":"And which I think is absolutely bull crap because it's for the kids, not Mhmm. for any no.","start_word":345,"end_word":362,"sentiment":"negative","sentiment_score":-0.44449323415756226},{"text":"Not for any other purpose. And if you pay a tax Yeah. on it, a tax time will so be it. Yep. Yep. We're trying to get some money for the kids for when they're Yeah. old enough. Yep. That's my opinion, but hers is obviously Yep. very different. Okay. So I just wanna gain an understanding on what to do. But then if I Yep. take Yeah. it all fully into my name, which I don't think Yes. she will let me do, Yep. then, obviously, I'm gonna have to pay a lot more tax then too. And then it's gonna look like I have Correct. more, and then I'll have to pay her more child support for money that I don't Correct. have. Yes. You are correct. So Yes. what would be do you how much tax would I have to pay on that account? Like, with the 170 Yep. what that's sitting in there now, how much tax would I have to pay on that roughly? Yep.","start_word":363,"end_word":532,"sentiment":"neutral","sentiment_score":-0.10515157878398897},{"text":"Now it is very tricky right now because of the proposed changes.","start_word":533,"end_word":544,"sentiment":"negative","sentiment_score":-0.33995863795280457},{"text":"I'm not sure if Mhmm. you've read the Australian federal government proposed changes. No. I Not haven't in read effect all that. no. That's all good. They have this proposed changes to take effect on the 07/01/2027. Yep. It's not enforced yet, though. Sorry. Mhmm. Who knows? The way that things work as of right now without any changes to the legislation, how the capital gains tax will work is that when you guys sell your investment, so whether that is that you completely sell it sell it out and whatever you guys Mhmm. Yep. wanna do with the investment, that will be capital gains on the earnings. Yep. So whatever you've made from the investments, you will have to pay capital gains tax on it. Yep. That Yep. will be calculated as per your individual marginal tax rate. So Okay. whatever income she would be on, that will be the rate that she would pay. And then, obviously, for you, it will be your marginal Yep. tax rate at the time. Yep. Now with the current legislation as well, there is a 50% discount Mhmm. if you've had the investment for more than twelve months. Yep. That is how it is right now. Now Okay. the proposed changes is looking at re getting rid of that 50% discount Mhmm. with a minimum of a 30% tax rate later, but we don't know yet how that's Yeah. potentially Okay. going to change. Yep. Yep. So that would only be the capital gains would only be when you guys sell your investment. Mhmm. Okay. So whether that would be, like, if she was like, oh, I wanna sell the investments now and put them in through a child investment bond or whatever it is, you would still have to pay the tax when you sell Yeah. it. Yeah. Obviously, the I'm more not you have yeah. in it, the more the grow, the more, obviously Yeah. correct. But then, obviously, when you guys do your individual tax returns, you would have to declare your portion. And unless you guys have a special agreement, I imagine it's just $50.50. Like, you don't Yeah. have anything in in place saying that you have x amount or she has x amount. It's just like a fifty fifty. Is that correct? Mhmm. Yep. Yeah. So then when you guys do your your tax return, you would obviously declare that. So do you do it yourself, or do you go to an accountant? Schedule an account. Yep.","start_word":545,"end_word":965,"sentiment":"neutral","sentiment_score":-0.04509628166371598},{"text":"Perfect.","start_word":966,"end_word":966,"sentiment":"positive","sentiment_score":0.4876283407211304},{"text":"So they would probably have already gone through that with you. But, yeah, every time you same with, like, if you had a savings account Mhmm. on, like, your bank account, you'd have to obviously declare, like, interest and stuff like that earned. So it will be when you do your tax return, and that would obviously, again, be split because you own it together. Yep. That's Okay.","start_word":967,"end_word":1034,"sentiment":"neutral","sentiment_score":0.11393234571989844},{"text":"how that works. Now Yep. from a investment point point of view, that can be a really good investment option for if if the purpose is specifically to save for children, it is a Mhmm. very tax effective option because it's kind of classified as a life insurance product.","start_word":1035,"end_word":1083,"sentiment":"positive","sentiment_score":0.474895715713501},{"text":"So it works a little bit different. It's still like an investment. Mhmm. But how it works is that at the time you were to sell the investment, as long as you've had it for at least ten years, so that's kind of the thing to make it really tax effective.","start_word":1084,"end_word":1134,"sentiment":"neutral","sentiment_score":0.2691217362880707},{"text":"You ideally wanna have it for ten years time frame, Yep.","start_word":1135,"end_word":1145,"sentiment":"positive","sentiment_score":0.35259655117988586},{"text":"Yep. Yep. and and then you don't have to pay any capital gains tax personally. So by the time it then matures and whatever if you wanna give it to your kids at the time or fifteen years or whatever time frame you guys set, there will be no capital k tax applicable. Yeah. But then, also, you wouldn't have to declare anything into your tax return. So that's why it makes it very tax effective Okay. from that time. Yep. It is the time frame, though, of the ten years. Mhmm. And because you already have the IDPS, if you were to sell it now, you would still have to pay the capital gains tax and everything like that. Yeah. But if if if I had it for ten ten years, I don't. Is that correct? For the for the investment bond. Correct. Yeah. For the Yep. investment bond. Correct. If you have it for ten years, you don't, which Yep.","start_word":1146,"end_word":1307,"sentiment":"neutral","sentiment_score":0.11504267901182176},{"text":"is why a lot of a lot of people find it a very good way to save for children as Yep.","start_word":1308,"end_word":1328,"sentiment":"positive","sentiment_score":0.6034902930259705},{"text":"long as you are comfortable, obviously, locking it in for ten years Yeah. Yeah.","start_word":1329,"end_word":1342,"sentiment":"neutral","sentiment_score":0.2234184443950653},{"text":"and having that kind of long term investment. It can be a Yeah. really Yeah. good effective way of doing it.","start_word":1343,"end_word":1363,"sentiment":"positive","sentiment_score":0.4742586612701416},{"text":"Okay. Now, obviously, if your goals are slightly misaligning, I was having a chat through, adviser as well, and we both kind of said, well, the best way to go about it would be to have a joint conversation if that is something you are open through to the four of us, Yep. through see, obviously, what you both want to do and what is going to be the best for both of you in this situation if you wanted to make a change. Okay. The the only thing I do wanted to check with you is is the money accessible now? Like, is everything completely finalized with the separation and everything, or is it still kind of locked in for another couple of months before No. you have So access this is to do this something? is what the holdup is because we're Okay. trying to do the consent orders now. So I've put Yes. the proposal through from my Yep. lawyer that went Mhmm. to her, and then she's come back now with this investment, Right. and this is what Mhmm. the holdup is. So she's Right. had ten months, eleven months to do this, and now Yeah. she tries to do it as soon as we're doing the consent orders. Yeah.","start_word":1364,"end_word":1577,"sentiment":"neutral","sentiment_score":0.03867636248469353},{"text":"It's Because very how it's frustrating. It's yeah.","start_word":1578,"end_word":1585,"sentiment":"negative","sentiment_score":-0.4422371983528137},{"text":"I can I can like imagine, especially such a because long time? the whole the whole thing is it's for the kids. So Yeah. Yeah. I don't really understand why she now all of a sudden, she's worried about it's gonna cost Yeah. her, but look. She's just worried about what money she's getting and what the government's paying Yeah. her and how I have to pay her.","start_word":1586,"end_word":1653,"sentiment":"neutral","sentiment_score":-0.2391940802335739},{"text":"She doesn't want it to look like she has more money than she does.","start_word":1654,"end_word":1667,"sentiment":"negative","sentiment_score":-0.42484185099601746},{"text":"So, yeah, I just wanted to know what's the best outcome Yeah. or what's the best option I have Mhmm. to what to do with what what I could do for the kids Yeah. that isn't gonna make me have to pay a hell of a lot more Yes. to her Yes. for money I don't have for one. Yeah. Yeah. And Now if one she way was talking about yeah. yeah. You have the tax phone number for the kids, if it goes into this other account, the the the kids one. You don't need a tax fund number for that because it's it's not like an like, it is an investment, but it is a life insurance product rules. Yep. So Okay. you don't need a tax fund number through the do the personal investment account. Sorry. For the investment bond. I would say so because with the consent order, typically, you won't be able to actually do anything with the money anyway until it's all finalized. So Yeah. until, obviously, the consent order is completely finalized Mhmm. and you guys have access to do what you want with the money, I would say we when it's sorted, we should have a conversation, the four of us. Yeah. And then, obviously, from that conversation, I can go and speak to you individually, and then, obviously, Yep. tell hey. This adviser will go and do the same. Yep. And then me and that adviser will work on a strategy. Like, I'll only focus on your situation, obviously, and what works best for you. Yep.","start_word":1668,"end_word":1932,"sentiment":"neutral","sentiment_score":0.055240243673324585},{"text":"And he will then do the same for her, and then Yep. we will work on well, together, what are we going to do to achieve the outcome for both of you?","start_word":1933,"end_word":1964,"sentiment":"positive","sentiment_score":0.42784225940704346},{"text":"Whether Yep. that is you sell the IDPS if that's what you guys want to do, you Mhmm. split the money.","start_word":1965,"end_word":1985,"sentiment":"neutral","sentiment_score":-0.009488333016633987},{"text":"And then if you want to invest your portion into an investment bond and she wants to do the same, you have complete freedom to do whatever you want.","start_word":1986,"end_word":2014,"sentiment":"positive","sentiment_score":0.4082815945148468},{"text":"Or whether you want to set up another investment account that is just in your name, we can Yep. then work on the different strategy. Well, okay. How is that gonna look like from an asset point of view for you, and how is that gonna potentially impact your situation with having to pay child support and stuff like that? Yeah. Okay. Because Does that what make sense? yeah. Yeah. No. That that makes Yeah. sense. Yeah. Because with the consent orders, her lawyers put Mhmm. in there that she wants to have a decision made on what we're gonna do with this account put into the consent orders. Right. So that's why that's why Okay. there's a hold up. So she Right. wants in the proposal leads that within twelve months Mhmm. of us for analyzing and settling on these consent orders, we Yep. trick the Mhmm. the investment account into that kid's Right. investment. Okay. But And that's what gain an understanding. yeah. We what it's all about, how it works. How yeah. Yeah. And So and is it a good idea, or is it better just to leave it where it is and I try and take on the full responsibility of it? However, I Yeah. don't think she'll I don't think she'll allow that, but then I Yep. think I will tax more, and it's gonna look like I have more of an income. Yes. Yeah. Because it will be you will have more of an asset, and, yes, that will be Yeah. the case. Yep. So which we we don't want from that point of view. No. When do you are they waiting on you to make a decision on their what to do right now? Or is Yeah. that what things They've like come that? back she came back to me last week after supposed discussion with her financial adviser. Mhmm. Yep. Obviously, I had no one no idea about any of Yeah. this until she sent that to us and Yeah. her lawyer to us. So Yeah. I've got a discussion with my lawyer this afternoon Okay. to try and talk about what I go back to her with. Yep. Okay. What So time are you seeing them? I think it's 02:00 or 03:00 this afternoon. 04:00. Okay. Are you quite avail you have annual leave, you said. Are you quite available until then? Yeah. Yeah. Yeah. I'm Yeah? available. Okay. Because what I might do is because that is a little bit different to what I spoke through her adviser about, because that was Yep. kind of like, oh, Wednesday consent order is finalized. We Yep. will then have a discussion what we wanna do with the money. But if Yeah. she's kind Yeah. of said, She's well, I want that before, that obviously yeah. She pushes because that time what yeah. frame What forward. she wants what her lawyer has now put in the consent orders is that within twelve months of the court signing off on them, Mhmm. we will do this. Like, we will transfer Right. that account to that. And then that's Yeah. why I'm like, wow. I know nothing about That's this account. a lot. I Yes. don't even Yes. what this account Yeah. does. I don't know what the what it looks like. She's then told me that we need to get tax phone numbers for the kids. Right. I'm like, Okay. okay. So I it's need kind to I of just need to ask spiraled questions a little bit. about this one. Yeah. Yeah. Okay. So what I might do is I will just I have because now I have a complete picture from you, which is great, Yep. which is, yeah, a little bit different through what I had before, so that is great. Yep. Now what I will go is I will go and speak through that adviser as well Yep. and see what we can do jointly because, also, it's like, well, from my understanding, they haven't entered into advice or any actual formal recommendation whether the investment bond is going to be the best option for the kids or not yet. Okay. So it does seem then a little bit strange that that's the stipulation in there. Because in order to do that, Yep. Yeah. when from my understanding, with speaking to the adviser, it's like that was just a topic of conversation to potentially Yeah. Yep. more, not Yep. that it was something you should definitely do. So Yep. I wanna go Yep. and get clarification on that. Now I do have an appointment straight after yours, but I will have availability about 12:00 to give you a callback Yep. and Yeah. see if That's I can get fine. a bit more information so that you have a bit more anyway before you go and speak to the lawyer this afternoon. Yeah. Yeah.","start_word":2015,"end_word":2837,"sentiment":"neutral","sentiment_score":-0.02193981302587512},{"text":"So that'd be great.","start_word":2838,"end_word":2841,"sentiment":"positive","sentiment_score":0.48894017934799194},{"text":"Yeah. Yep. No problem at all. Was there anything else that I kind of I need to know or anything No. I think I think no? that's it. I think that's Okay. it at the I just wanted Yeah. to know, yeah, what's the best way to go? Mhmm. How should we how should I look at that? Yes. And how it will impact you And, yeah, how with it'll impact your situation. financially? What have I gotta Yep. do? Yeah. Yeah. Yep. What's the best thing for the kids, Etcetera, etcetera. Yep. Yep. That's Okay.","start_word":2842,"end_word":2937,"sentiment":"neutral","sentiment_score":0.03020995482802391},{"text":"exactly right. Beautiful.","start_word":2938,"end_word":2940,"sentiment":"positive","sentiment_score":0.5092732906341553},{"text":"Well, leave it with me. If my appointment don't answer, I'll give you a call sooner. But, otherwise, Yep. I will go and chat through through the adviser, get a bit more clarity on it, and I will give Yep. you a call around 12:00 Perfect. and give you a bit more of an update.","start_word":2941,"end_word":2995,"sentiment":"neutral","sentiment_score":0.11699768088080666},{"text":"No worries. Thank you very much, Veronica. Yeah.","start_word":2996,"end_word":3003,"sentiment":"positive","sentiment_score":0.6127371788024902},{"text":"I'll talk to you soon. No problem at all. I'll speak soon. Alright.","start_word":3004,"end_word":3016,"sentiment":"neutral","sentiment_score":0.25673094391822815},{"text":"Thank Alright. you.","start_word":3017,"end_word":3019,"sentiment":"positive","sentiment_score":0.4338424801826477},{"text":"Bye. That's alright.","start_word":3020,"end_word":3022,"sentiment":"neutral","sentiment_score":0.27607643604278564},{"text":"Thanks, Ben. Bye.","start_word":3023,"end_word":3025,"sentiment":"positive","sentiment_score":0.5482183694839478}],"average":{"sentiment":"neutral","sentiment_score":0.029365961602393617}}}}