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So as Sabine explained, I'm a financial adviser with O2 Financial. So what my whole role is is to work for you. Every client that I speak to has different goals. And with that, every piece of advice that I put together does differ because everyone's goals are different. Now I know that you've put together quite a lot of information with my team, and I really appreciate you going through and doing that. But what I wanna, I guess, spend a little bit time doing is just making sure that I actually know what you wanna achieve and and, I guess, the drivers behind why you wanna achieve those goals. So that way I know that I'm heading in the right direction for you when I'm putting the advice together. Now I know that you have sort of a personal goal that in the next sort of one to five years, you're looking to do some overseas travel. Yeah. Scotland and Ireland, gorgeous countries. May I ask, is that something, like, budget wise you wanna look at putting advice together for, or is that just a personal goal that you're going to budgetarily save for yourself? Yeah. No. That's okay. Nothing wrong with that. Absolutely lovely. I can just be advocate for you and check-in and make sure that you're still striving towards that goal every year. Now I can see that you're you're wanting to have a lump sum of about $250,000 when you do wanna retire, and and you wanna really, really focus on on growing the balance of your superannuation. Now we are just a couple of months off 60, which is very exciting because there are some really super exciting tax saving strategies that we can put in place. I know that Fabian was having a bit of a chat to you about those already. So I'd really love to have a look at that to see whether we can tax optimize, still continue receiving, you know, your same income, because that's biggest biggest benefit. We don't wanna drop your income. But, ultimately, what we wanna do is we wanna take money away from paying taxes and, and put it back in your back pocket. So that's really exciting on that front. But I do have that you're looking to not retire until you're actually 70. May I ask your Yeah. No. Of course. And I I can see you're in a a pretty administrative sedentary work. A little bit of walking around. Yeah. Of course. And you've been employee. Yeah. It becomes a little bit harder. And you've been with them for seven years, so you'd be up for pro rata long service? No. That that's beautiful. Okay. Then that's okay. And and I have here that you're looking to target sort of an income of around $1,000 a week. Can I ask, did you pluck that figure, or is that sort of justifiable? Yeah. Yeah. Yeah. No. Absolutely. The only reason I ask is because based on your $75,000 of income, that would put your net annual pay at around 60,000. So a little bit over the thousand dollars a week. But I can see that you obviously do put some savings away each week about a $125. So mathematically, like, it does pretty much add up that a thousand dollars a week would basically cover your expenses and any discretionary spending pretty well. So, I mean, whilst you may see think that it is a bit of a plus figure, it's actually pretty well calculated on your behalf. So that's good. Now you did mention the farm, and you said small. I know that a 170 acres isn't the largest farm that exists, but still a bit bit of land there. And you guys, as a as a as a couple, like, you you operate a business on it. I'm assuming it's, you know, it's cattle at least. Do do you know what the farm turns over, or is it not really a profit? Yeah. No. That's okay. Perfect. Yeah. Perfect. And your husband, does he solely work on the cattle farm? Or Beautiful. So he has a completely second income as well. Yes. Hi. Beautiful. And then we have seven vehicles, which I assume majority of those are found vehicles. Yeah. Yeah. Of course. No. Boys and their toys. No. That's okay. Well, we've got pretty minimal debt, which is nice. We've only got the 14,000 owing. Have we got a plan together to pay that one down quickly? Because I'm assuming it's vehicle or personal loans. Not too bad then. Alright. Perfect. Okay. So with respect to, like, the superannuation, the tax savings, I will 100% go through and have a look at how we can best ensure that we are optimizing our tax savings as well as, you know, making sure that I'm not impacting your income because that's one of the biggest things is sometimes you can, you know, implement a strategy and it completely throws things to the wind. And I wanna make sure we don't do that. So I'll make sure that we, you know, get you the same kind of income that you're on now without loss of income. Outside of that, I see we have a bit of a personal goal to make sure we can spend some more time with the grandkids in retirement, which is perfect. Can I ask how many grandkids we have? Oh, so very soon. It doesn't take long. They they start multiplying quickly. It was once my mother had one, and now she has 11. So you blink and they they're all running around. Okay. One or many. Correct. Now insurance wise, with respect to, like, your current superannuation funds, you do hold a life and a total disability policy within the fund. Now it's for 25,800 for the life, 17,200 for the total print facility. Do you understand what those two benefits do for you and how they act? Yeah. So the life insurance component, most certainly. So what happens is that that amount of money gets paid into the super fund, forms part of the benefit under the super fund, and then when the super fund pays to the beneficiary. It is. Yeah. So you've got the, like, 118,000 in the fund. And then if you were to pass away, that 25,800 would pay to your CareSuper super account from the insurer. And then once that was paid out, CareSuper would then pay to your nominated beneficiaries, which is currently listed as the kids. So they would receive that benefit per your wishes. Little nest egg? Not Not at all. Yeah. I get them on their feet a little bit. So and now, like, with the fact that, like, you don't have any debt, so, realistically, any life insurance that you want to have is realistically something that you're leaving as an asset to your kids. So do you have a figure in mind that you would wanna leave to the kids, or is it just yeah. Mhmm. That's okay. Cool. With the total permanent disability, is there an amount that you so total permanent disability insurance basically covers you if you were never able to work again. Now you're very close to 60, which means that your superannuation fund becomes available to you in, like, tax free benefit. So you're able to draw on that benefit from, you know, basically, the day after your birthday. With TPD insurance, if you were never able to work again because of an injury or illness that has fallen you, that amount of money pays again into your superannuation fund, and then it's able to be released to you either in a lump or in incremental payments. Now because you are 60 and we are at the point where we don't have a lot of in like, a lot of debts, I guess that we're at the point where is insurance something we need to be paying for? Because, realistically, you know, it's only costing you 300. We'll just try $300 a year for the policy. So it's not a lot that it's costing you, but it's sort of at that cost level where we can sort of look at it as a have you perhaps self insured? Do you have everything covered that if anything were to happen, you weren't able to work again, that your husband's income, the income from the farm, and your assets overall are are enough to to have you still in a comfortable lifestyle. Yeah. Okay. So look. I'll run the figures still and have a look and see if there's anything cheaper, and I'll have a look into the product disclosure statement for CareSoupa, because a lot of your industry funds from the age of between 60 and 65, those policies either drop to basically nothing in a benefit or they actually start ceasing. As in you eat you meet an age determined expiry expiry period, and the policy falls off. So I'll have a look and dig into the the product disclosure statements to make sure, you know, where we're at and see whether there's anything comparable on the market just to see what's around. But it it's probably you know, once I start running the figures and seeing what our possible retirement outcome's looking like in the next, you know, twelve months, two years, five years, ten years, sorta looks like, we can kind of have a have a really good idea as to whether that benefit's helping you or harming you in terms of, you know, what you're paying for. Okay? So I'll I'll have a look over that and have a look at this sacrifice side of things. At the moment and because you your employer, they're paying 12 percent super contributions, so that's great. I just wanted to make sure from the from, like, your ABN, are you putting anything additional into your super fund from, like, the No. Cool. That's okay. I just wanted to double check just just to make sure we were all covered there. Perfect. Awesome. Well, that's that's pretty much, like, all I need to kinda cover. Just kinda, I guess, clarify a few details and make sure that I'm definitely heading on the right direction. But are there any questions that you might have or anything, I guess, from a personal note or or lifestyle preference that you might have that, you know, you sort of wanna have a chat about? Okay. Perfect. Yeah. No. That's okay. Now with it when it comes to investments within your super, I can see that you're still willing to take on a little bit of risk when it comes to, you know, like, the investment side of things. But, obviously, I'm gonna look at, like, diversified assets, so making sure that we're not too heavy in one area or another and making sure that, you know, we're we're hedging our bets when it comes to any kind of risk. We don't wanna overweight ourselves and put ourselves in a risky market. So I will definitely make sure that I take that into consideration when I'm looking at at the investment side of things for you when I'm, you know, looking at the holistic approach. Okay? Alright. Perfect. Well, I'm gonna get cracking on running some of the numbers, having a look at the tax savings that we can get through, and and running everything from there. And and then I will have a chat to you on Tuesday when I've put everything together. So when we when we meet next, I'll have I'll have what's called a statement of advice that'll basically detail all the numbers, facts, and figures that I've researched and put together. Okay? Perfect. Well, I will let you go for the day, and I will talk to you on Tuesday. Not a problem. Thanks so much for taking the time, Eleanor. 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How are you doing? Yes. Encompass. Yep.\n\nPerfect. No. There's a meeting. Yes. I saw it.\n\nThank you very much. That's Hi, Eleanor. My name is Larissa. How are you going? That's good.\n\nSo as Sabine explained, I'm a financial adviser with O2 Financial. So what my whole role is is to work for you. Every client that I speak to has different goals. And with that, every piece of advice that I put together does differ because everyone's goals are different. Now I know that you've put together quite a lot of information with my team, and I really appreciate you going through and doing that.\n\nBut what I wanna, I guess, spend a little bit time doing is just making sure that I actually know what you wanna achieve and and, I guess, the drivers behind why you wanna achieve those goals. So that way I know that I'm heading in the right direction for you when I'm putting the advice together. Now I know that you have sort of a personal goal that in the next sort of one to five years, you're looking to do some overseas travel. Yeah. Scotland and Ireland, gorgeous countries.\n\nMay I ask, is that something, like, budget wise you wanna look at putting advice together for, or is that just a personal goal that you're going to budgetarily save for yourself? Yeah. No. That's okay. Nothing wrong with that.\n\nAbsolutely lovely. I can just be advocate for you and check-in and make sure that you're still striving towards that goal every year. Now I can see that you're you're wanting to have a lump sum of about $250,000 when you do wanna retire, and and you wanna really, really focus on on growing the balance of your superannuation. Now we are just a couple of months off 60, which is very exciting because there are some really super exciting tax saving strategies that we can put in place. I know that Fabian was having a bit of a chat to you about those already.\n\nSo I'd really love to have a look at that to see whether we can tax optimize, still continue receiving, you know, your same income, because that's biggest biggest benefit. We don't wanna drop your income. But, ultimately, what we wanna do is we wanna take money away from paying taxes and, and put it back in your back pocket. So that's really exciting on that front. But I do have that you're looking to not retire until you're actually 70.\n\nMay I ask your Yeah. No. Of course. And I I can see you're in a a pretty administrative sedentary work. A little bit of walking around.\n\nYeah. Of course. And you've been employee. Yeah. It becomes a little bit harder.\n\nAnd you've been with them for seven years, so you'd be up for pro rata long service? No. That that's beautiful. Okay. Then that's okay.\n\nAnd and I have here that you're looking to target sort of an income of around $1,000 a week. Can I ask, did you pluck that figure, or is that sort of justifiable? Yeah. Yeah. Yeah.\n\nNo. Absolutely. The only reason I ask is because based on your $75,000 of income, that would put your net annual pay at around 60,000. So a little bit over the thousand dollars a week. But I can see that you obviously do put some savings away each week about a $125.\n\nSo mathematically, like, it does pretty much add up that a thousand dollars a week would basically cover your expenses and any discretionary spending pretty well. So, I mean, whilst you may see think that it is a bit of a plus figure, it's actually pretty well calculated on your behalf. So that's good. Now you did mention the farm, and you said small. I know that a 170 acres isn't the largest farm that exists, but still a bit bit of land there.\n\nAnd you guys, as a as a as a couple, like, you you operate a business on it. I'm assuming it's, you know, it's cattle at least. Do do you know what the farm turns over, or is it not really a profit? Yeah. No.\n\nThat's okay. Perfect. Yeah. Perfect. And your husband, does he solely work on the cattle farm?\n\nOr Beautiful. So he has a completely second income as well. Yes. Hi. Beautiful.\n\nAnd then we have seven vehicles, which I assume majority of those are found vehicles. Yeah. Yeah. Of course. No.\n\nBoys and their toys. No. That's okay. Well, we've got pretty minimal debt, which is nice. We've only got the 14,000 owing.\n\nHave we got a plan together to pay that one down quickly? Because I'm assuming it's vehicle or personal loans. Not too bad then. Alright. Perfect.\n\nOkay. So with respect to, like, the superannuation, the tax savings, I will 100% go through and have a look at how we can best ensure that we are optimizing our tax savings as well as, you know, making sure that I'm not impacting your income because that's one of the biggest things is sometimes you can, you know, implement a strategy and it completely throws things to the wind. And I wanna make sure we don't do that. So I'll make sure that we, you know, get you the same kind of income that you're on now without loss of income. Outside of that, I see we have a bit of a personal goal to make sure we can spend some more time with the grandkids in retirement, which is perfect.\n\nCan I ask how many grandkids we have? Oh, so very soon. It doesn't take long. They they start multiplying quickly. It was once my mother had one, and now she has 11.\n\nSo you blink and they they're all running around. Okay. One or many. Correct. Now insurance wise, with respect to, like, your current superannuation funds, you do hold a life and a total disability policy within the fund.\n\nNow it's for 25,800 for the life, 17,200 for the total print facility. Do you understand what those two benefits do for you and how they act? Yeah. So the life insurance component, most certainly. So what happens is that that amount of money gets paid into the super fund, forms part of the benefit under the super fund, and then when the super fund pays to the beneficiary.\n\nIt is. Yeah. So you've got the, like, 118,000 in the fund. And then if you were to pass away, that 25,800 would pay to your CareSuper super account from the insurer. And then once that was paid out, CareSuper would then pay to your nominated beneficiaries, which is currently listed as the kids.\n\nSo they would receive that benefit per your wishes. Little nest egg? Not Not at all. Yeah. I get them on their feet a little bit.\n\nSo and now, like, with the fact that, like, you don't have any debt, so, realistically, any life insurance that you want to have is realistically something that you're leaving as an asset to your kids. So do you have a figure in mind that you would wanna leave to the kids, or is it just yeah. Mhmm. That's okay. Cool.\n\nWith the total permanent disability, is there an amount that you so total permanent disability insurance basically covers you if you were never able to work again. Now you're very close to 60, which means that your superannuation fund becomes available to you in, like, tax free benefit. So you're able to draw on that benefit from, you know, basically, the day after your birthday. With TPD insurance, if you were never able to work again because of an injury or illness that has fallen you, that amount of money pays again into your superannuation fund, and then it's able to be released to you either in a lump or in incremental payments. Now because you are 60 and we are at the point where we don't have a lot of in like, a lot of debts, I guess that we're at the point where is insurance something we need to be paying for?\n\nBecause, realistically, you know, it's only costing you 300. We'll just try $300 a year for the policy. So it's not a lot that it's costing you, but it's sort of at that cost level where we can sort of look at it as a have you perhaps self insured? Do you have everything covered that if anything were to happen, you weren't able to work again, that your husband's income, the income from the farm, and your assets overall are are enough to to have you still in a comfortable lifestyle. Yeah.\n\nOkay. So look. I'll run the figures still and have a look and see if there's anything cheaper, and I'll have a look into the product disclosure statement for CareSoupa, because a lot of your industry funds from the age of between 60 and 65, those policies either drop to basically nothing in a benefit or they actually start ceasing. As in you eat you meet an age determined expiry expiry period, and the policy falls off. So I'll have a look and dig into the the product disclosure statements to make sure, you know, where we're at and see whether there's anything comparable on the market just to see what's around.\n\nBut it it's probably you know, once I start running the figures and seeing what our possible retirement outcome's looking like in the next, you know, twelve months, two years, five years, ten years, sorta looks like, we can kind of have a have a really good idea as to whether that benefit's helping you or harming you in terms of, you know, what you're paying for. Okay? So I'll I'll have a look over that and have a look at this sacrifice side of things. At the moment and because you your employer, they're paying 12 percent super contributions, so that's great. I just wanted to make sure from the from, like, your ABN, are you putting anything additional into your super fund from, like, the No.\n\nCool. That's okay. I just wanted to double check just just to make sure we were all covered there. Perfect. Awesome.\n\nWell, that's that's pretty much, like, all I need to kinda cover. Just kinda, I guess, clarify a few details and make sure that I'm definitely heading on the right direction. But are there any questions that you might have or anything, I guess, from a personal note or or lifestyle preference that you might have that, you know, you sort of wanna have a chat about? Okay. Perfect.\n\nYeah. No. That's okay. Now with it when it comes to investments within your super, I can see that you're still willing to take on a little bit of risk when it comes to, you know, like, the investment side of things. But, obviously, I'm gonna look at, like, diversified assets, so making sure that we're not too heavy in one area or another and making sure that, you know, we're we're hedging our bets when it comes to any kind of risk.\n\nWe don't wanna overweight ourselves and put ourselves in a risky market. So I will definitely make sure that I take that into consideration when I'm looking at at the investment side of things for you when I'm, you know, looking at the holistic approach. Okay? Alright. Perfect.\n\nWell, I'm gonna get cracking on running some of the numbers, having a look at the tax savings that we can get through, and and running everything from there. And and then I will have a chat to you on Tuesday when I've put everything together. So when we when we meet next, I'll have I'll have what's called a statement of advice that'll basically detail all the numbers, facts, and figures that I've researched and put together. Okay? Perfect.\n\nWell, I will let you go for the day, and I will talk to you on Tuesday. Not a problem. Thanks so much for taking the time, Eleanor. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.3999999,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.03597712516784668},{"text":"How are you doing?","start":4.96,"end":6.1099997,"sentiment":"neutral","sentiment_score":0.16775749996304512},{"text":"Yes.","start":16.815,"end":17.315,"sentiment":"neutral","sentiment_score":0.11310498416423798},{"text":"Encompass.","start":19.695,"end":20.195,"sentiment":"neutral","sentiment_score":0.11777490377426147},{"text":"Yep.","start":23.535,"end":24.03,"sentiment":"neutral","sentiment_score":0.15158948302268982}],"sentiment":"neutral","sentiment_score":0.13618456199765205,"num_words":8,"start":2.3999999,"end":24.03},{"sentences":[{"text":"Perfect.","start":41.594997,"end":42.094997,"sentiment":"positive","sentiment_score":0.3636057376861572},{"text":"No.","start":42.235,"end":42.735,"sentiment":"neutral","sentiment_score":0.048121705651283264},{"text":"There's a 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from paying taxes and, and put it back in your back pocket.","start":221.25,"end":228.39,"sentiment":"neutral","sentiment_score":0.15578298084437847},{"text":"So that's really exciting on that front.","start":230.285,"end":232.225,"sentiment":"positive","sentiment_score":0.38924473098346163},{"text":"But I do have that you're looking to not retire until you're actually 70.","start":232.605,"end":237.905,"sentiment":"neutral","sentiment_score":0.07300604906465326}],"sentiment":"neutral","sentiment_score":0.18487944288386238,"num_words":81,"start":208.415,"end":237.905},{"sentences":[{"text":"May I ask your Yeah.","start":238.765,"end":253.295,"sentiment":"neutral","sentiment_score":0.012288934364914895},{"text":"No.","start":254.635,"end":254.875,"sentiment":"neutral","sentiment_score":-0.028085647150874134},{"text":"Of course.","start":254.875,"end":255.535,"sentiment":"neutral","sentiment_score":-0.008136171847581863},{"text":"And I I can see you're in a a pretty administrative sedentary work.","start":255.83499,"end":260.815,"sentiment":"neutral","sentiment_score":0.004232768399211077},{"text":"A little bit of walking around.","start":261.195,"end":262.815,"sentiment":"neutral","sentiment_score":0.005300161118308703}],"sentiment":"neutral","sentiment_score":0.003848653217708623,"num_words":27,"start":238.765,"end":262.815},{"sentences":[{"text":"Yeah.","start":278.39502,"end":278.795,"sentiment":"neutral","sentiment_score":0.016140002757310867},{"text":"Of course.","start":278.795,"end":279.355,"sentiment":"neutral","sentiment_score":-0.01757362624630332},{"text":"And you've been employee.","start":279.355,"end":283.77502,"sentiment":"neutral","sentiment_score":-0.073425960727036},{"text":"Yeah.","start":284.315,"end":284.635,"sentiment":"neutral","sentiment_score":-0.11970296502113342},{"text":"It becomes a little bit harder.","start":284.635,"end":286.255,"sentiment":"neutral","sentiment_score":-0.1891040230790774}],"sentiment":"neutral","sentiment_score":-0.11193129972421698,"num_words":14,"start":278.39502,"end":286.255},{"sentences":[{"text":"And you've been with them for seven years, so you'd be up for pro rata long service?","start":287.035,"end":291.21503,"sentiment":"neutral","sentiment_score":-0.03478449594010325},{"text":"No.","start":297.0,"end":297.24,"sentiment":"neutral","sentiment_score":0.17419320344924927},{"text":"That that's beautiful.","start":297.24,"end":298.3,"sentiment":"positive","sentiment_score":0.48881739377975464},{"text":"Okay.","start":299.08,"end":299.4,"sentiment":"neutral","sentiment_score":0.2794542908668518},{"text":"Then that's okay.","start":299.4,"end":300.2,"sentiment":"neutral","sentiment_score":0.2155966510375341}],"sentiment":"neutral","sentiment_score":0.07902212791144848,"num_words":25,"start":287.035,"end":300.2},{"sentences":[{"text":"And and I have here that you're looking to target sort of an income of around $1,000 a week.","start":300.2,"end":305.4,"sentiment":"neutral","sentiment_score":0.08766198824895055},{"text":"Can I ask, did you pluck that figure, or is that sort of justifiable?","start":305.4,"end":309.98502,"sentiment":"neutral","sentiment_score":0.029196850157209804},{"text":"Yeah.","start":328.3,"end":328.8,"sentiment":"neutral","sentiment_score":0.21827208995819092},{"text":"Yeah.","start":350.56998,"end":351.06998,"sentiment":"neutral","sentiment_score":0.03287108987569809},{"text":"Yeah.","start":354.40997,"end":354.90997,"sentiment":"neutral","sentiment_score":0.048647332936525345}],"sentiment":"neutral","sentiment_score":0.06594789421392812,"num_words":36,"start":300.2,"end":354.90997},{"sentences":[{"text":"No.","start":355.05,"end":355.28998,"sentiment":"neutral","sentiment_score":0.05159139260649681},{"text":"Absolutely.","start":355.28998,"end":355.78998,"sentiment":"neutral","sentiment_score":0.12711983919143677},{"text":"The only reason I ask is because based on your $75,000 of income, that would put your net annual pay at around 60,000.","start":356.625,"end":364.645,"sentiment":"neutral","sentiment_score":0.10353606663968253},{"text":"So a little bit over the thousand dollars a week.","start":364.78497,"end":367.60498,"sentiment":"neutral","sentiment_score":0.1015120979398489},{"text":"But I can see that you obviously do put some savings away each week about a $125.","start":368.465,"end":373.11,"sentiment":"neutral","sentiment_score":0.27589647997828093}],"sentiment":"neutral","sentiment_score":0.15895003660653645,"num_words":52,"start":355.05,"end":373.11},{"sentences":[{"text":"So mathematically, like, it does pretty much add up that a thousand dollars a week would basically cover your expenses and any discretionary spending pretty well.","start":373.40997,"end":383.33,"sentiment":"neutral","sentiment_score":0.30845827208115506},{"text":"So, I mean, whilst you may see think that it is a bit of a plus figure, it's actually pretty well calculated on your behalf.","start":383.33,"end":390.595,"sentiment":"neutral","sentiment_score":0.3053937858343124},{"text":"So that's good.","start":392.33502,"end":393.95502,"sentiment":"positive","sentiment_score":0.5463722149531046},{"text":"Now you did mention the farm, and you said small.","start":394.33502,"end":396.65503,"sentiment":"neutral","sentiment_score":0.04230686817318201},{"text":"I know that a 170 acres isn't the largest farm that exists, but still a bit bit of land there.","start":396.65503,"end":403.69,"sentiment":"neutral","sentiment_score":0.017117154761217536}],"sentiment":"neutral","sentiment_score":0.21499152549742057,"num_words":84,"start":373.40997,"end":403.69},{"sentences":[{"text":"And you guys, as a as a as a couple, like, you you operate a business on it.","start":405.27,"end":410.72998,"sentiment":"neutral","sentiment_score":0.006919431707097424},{"text":"I'm assuming it's, you know, it's cattle at least.","start":410.94998,"end":413.44998,"sentiment":"neutral","sentiment_score":-0.007495900305608909},{"text":"Do do you know what the farm turns over, or is it not really a profit?","start":414.31,"end":419.745,"sentiment":"neutral","sentiment_score":-0.042075731325894594},{"text":"Yeah.","start":444.155,"end":444.655,"sentiment":"neutral","sentiment_score":0.00970849860459566},{"text":"No.","start":444.715,"end":444.875,"sentiment":"neutral","sentiment_score":-0.027721788734197617}],"sentiment":"neutral","sentiment_score":-0.014091962741480933,"num_words":45,"start":405.27,"end":444.875},{"sentences":[{"text":"That's okay.","start":444.875,"end":445.435,"sentiment":"neutral","sentiment_score":0.06916439160704613},{"text":"Perfect.","start":445.435,"end":445.935,"sentiment":"neutral","sentiment_score":0.32151246070861816},{"text":"Yeah.","start":458.97,"end":459.47,"sentiment":"neutral","sentiment_score":0.10022777318954468},{"text":"Perfect.","start":459.85,"end":460.35,"sentiment":"neutral","sentiment_score":0.23266682028770447},{"text":"And your husband, does he solely work on the cattle farm?","start":464.505,"end":469.305,"sentiment":"neutral","sentiment_score":0.022016954438930206}],"sentiment":"neutral","sentiment_score":0.06468264601426199,"num_words":16,"start":444.875,"end":469.305},{"sentences":[{"text":"Or Beautiful.","start":469.305,"end":474.205,"sentiment":"neutral","sentiment_score":0.22427749447524548},{"text":"So he has a completely second income as well.","start":474.505,"end":477.245,"sentiment":"neutral","sentiment_score":0.22227346897125244},{"text":"Yes.","start":490.345,"end":490.845,"sentiment":"neutral","sentiment_score":0.03691404312849045},{"text":"Hi.","start":513.8,"end":514.27997,"sentiment":"neutral","sentiment_score":0.133722186088562},{"text":"Beautiful.","start":514.27997,"end":514.77997,"sentiment":"neutral","sentiment_score":0.3007298707962036}],"sentiment":"neutral","sentiment_score":0.20859873640750135,"num_words":14,"start":469.305,"end":514.77997},{"sentences":[{"text":"And then we have seven vehicles, which I assume majority of those are found vehicles.","start":515.16504,"end":518.78503,"sentiment":"neutral","sentiment_score":0.04560989619543155},{"text":"Yeah.","start":527.66,"end":528.16,"sentiment":"neutral","sentiment_score":-0.004794841632246971},{"text":"Yeah.","start":534.94,"end":535.44,"sentiment":"neutral","sentiment_score":-0.023995522409677505},{"text":"Of course.","start":543.755,"end":544.395,"sentiment":"neutral","sentiment_score":-0.005426434334367514},{"text":"No.","start":544.395,"end":544.895,"sentiment":"neutral","sentiment_score":-0.06677145510911942}],"sentiment":"neutral","sentiment_score":0.028886687755584717,"num_words":20,"start":515.16504,"end":544.895},{"sentences":[{"text":"Boys and their toys.","start":545.195,"end":546.075,"sentiment":"neutral","sentiment_score":-0.08034370839595795},{"text":"No.","start":546.075,"end":546.315,"sentiment":"neutral","sentiment_score":-0.05042021721601486},{"text":"That's okay.","start":546.315,"end":547.135,"sentiment":"neutral","sentiment_score":0.03910742420703173},{"text":"Well, we've got pretty minimal debt, which is nice.","start":548.555,"end":550.635,"sentiment":"neutral","sentiment_score":0.1887088062034713},{"text":"We've only got the 14,000 owing.","start":550.635,"end":552.495,"sentiment":"neutral","sentiment_score":0.11856030424435933}],"sentiment":"neutral","sentiment_score":0.09618913085961883,"num_words":22,"start":545.195,"end":552.495},{"sentences":[{"text":"Have we got a plan together to pay that one down quickly?","start":555.19,"end":560.49,"sentiment":"neutral","sentiment_score":0.07998827348152797},{"text":"Because I'm assuming it's vehicle or personal loans.","start":560.95,"end":563.53,"sentiment":"neutral","sentiment_score":0.01292650168761611},{"text":"Not too bad then.","start":568.805,"end":569.76495,"sentiment":"positive","sentiment_score":0.38823678344488144},{"text":"Alright.","start":569.76495,"end":570.26495,"sentiment":"positive","sentiment_score":0.5729190111160278},{"text":"Perfect.","start":572.64496,"end":573.14496,"sentiment":"positive","sentiment_score":0.7398022413253784}],"sentiment":"neutral","sentiment_score":0.15111306467308447,"num_words":26,"start":555.19,"end":573.14496},{"sentences":[{"text":"Okay.","start":574.88495,"end":575.365,"sentiment":"positive","sentiment_score":0.3400925099849701},{"text":"So with respect to, like, the superannuation, the tax savings, I will 100% go through and have a look at how we can best ensure that we are optimizing our tax savings as well as, you know, making sure that I'm not impacting your income because that's one of the biggest things is sometimes you can, you know, implement a strategy and it completely throws things to the wind.","start":575.365,"end":600.645,"sentiment":"neutral","sentiment_score":0.10698092901620312},{"text":"And I wanna make sure we don't do that.","start":600.78503,"end":602.465,"sentiment":"negative","sentiment_score":-0.35974863171577454},{"text":"So I'll make sure that we, you know, get you the same kind of income that you're on now without loss of income.","start":602.465,"end":609.60504,"sentiment":"neutral","sentiment_score":0.330936457151952},{"text":"Outside of that, I see we have a bit of a personal goal to make sure we can spend some more time with the grandkids in retirement, which is perfect.","start":611.37,"end":618.83,"sentiment":"positive","sentiment_score":0.5605863173802693}],"sentiment":"neutral","sentiment_score":0.2190391436557878,"num_words":132,"start":574.88495,"end":618.83},{"sentences":[{"text":"Can I ask how many grandkids we have?","start":619.45,"end":621.47003,"sentiment":"neutral","sentiment_score":0.09336182149127126},{"text":"Oh, so very soon.","start":626.10504,"end":627.645,"sentiment":"neutral","sentiment_score":0.19496487453579903},{"text":"It doesn't take long.","start":632.66504,"end":633.885,"sentiment":"neutral","sentiment_score":0.16255955770611763},{"text":"They they start multiplying quickly.","start":634.025,"end":635.885,"sentiment":"neutral","sentiment_score":0.2556369870901108},{"text":"It was once my mother had one, and now she has 11.","start":636.66,"end":639.48,"sentiment":"neutral","sentiment_score":0.090572706113259}],"sentiment":"neutral","sentiment_score":0.1376378699911363,"num_words":33,"start":619.45,"end":639.48},{"sentences":[{"text":"So you blink and they they're all running around.","start":639.54,"end":643.39996,"sentiment":"neutral","sentiment_score":-0.05825731737746133},{"text":"Okay.","start":653.955,"end":654.455,"sentiment":"neutral","sentiment_score":0.04426008462905884},{"text":"One or many.","start":654.835,"end":655.895,"sentiment":"neutral","sentiment_score":0.06128348161776861},{"text":"Correct.","start":656.675,"end":657.175,"sentiment":"neutral","sentiment_score":0.09660573303699492},{"text":"Now insurance wise, with respect to, like, your current superannuation funds, you do hold a life and a total disability policy within the fund.","start":658.435,"end":673.88,"sentiment":"neutral","sentiment_score":0.06907400054236253}],"sentiment":"neutral","sentiment_score":0.03837306366155022,"num_words":38,"start":639.54,"end":673.88},{"sentences":[{"text":"Now it's for 25,800 for the life, 17,200 for the total print facility.","start":675.70496,"end":682.20496,"sentiment":"neutral","sentiment_score":0.05613247477091276},{"text":"Do you understand what those two benefits do for you and how they act?","start":682.90497,"end":687.64496,"sentiment":"neutral","sentiment_score":0.055135654019457955},{"text":"Yeah.","start":700.05,"end":700.55,"sentiment":"neutral","sentiment_score":0.02220767177641392},{"text":"So the life insurance component, most certainly.","start":700.69,"end":703.275,"sentiment":"neutral","sentiment_score":0.013855947447674615},{"text":"So what happens is that that amount of money gets paid into the super fund, forms part of the benefit under the super fund, and then when the super fund pays to the beneficiary.","start":703.275,"end":712.97504,"sentiment":"neutral","sentiment_score":0.09983439305249382}],"sentiment":"neutral","sentiment_score":0.07268391298535078,"num_words":69,"start":675.70496,"end":712.97504},{"sentences":[{"text":"It is.","start":714.73,"end":715.20996,"sentiment":"neutral","sentiment_score":0.13036172091960907},{"text":"Yeah.","start":715.20996,"end":715.52997,"sentiment":"neutral","sentiment_score":0.16398471593856812},{"text":"So you've got the, like, 118,000 in the fund.","start":715.52997,"end":718.82996,"sentiment":"neutral","sentiment_score":0.19167322085963356},{"text":"And then if you were to pass away, that 25,800 would pay to your CareSuper super account from the insurer.","start":719.05,"end":728.99,"sentiment":"neutral","sentiment_score":0.07831978760659694},{"text":"And then once that was paid out, CareSuper would then pay to your nominated beneficiaries, which is currently listed as the kids.","start":730.155,"end":741.055,"sentiment":"neutral","sentiment_score":0.1385634864934466}],"sentiment":"neutral","sentiment_score":0.1252696222315232,"num_words":54,"start":714.73,"end":741.055},{"sentences":[{"text":"So they would receive that benefit per your wishes.","start":742.25,"end":745.55005,"sentiment":"positive","sentiment_score":0.4168287184503343},{"text":"Little nest egg?","start":752.01,"end":752.89,"sentiment":"neutral","sentiment_score":0.14797926942507425},{"text":"Not Not at all.","start":752.89,"end":755.24506,"sentiment":"neutral","sentiment_score":-0.15264113806188107},{"text":"Yeah.","start":756.505,"end":756.825,"sentiment":"neutral","sentiment_score":0.26323050260543823},{"text":"I get them on their feet a little bit.","start":756.825,"end":758.585,"sentiment":"positive","sentiment_score":0.39698871307902867}],"sentiment":"neutral","sentiment_score":0.2854215631691309,"num_words":26,"start":742.25,"end":758.585},{"sentences":[{"text":"So and now, like, with the fact that, like, you don't have any debt, so, realistically, any life insurance that you want to have is realistically something that you're leaving as an asset to your kids.","start":758.585,"end":774.91003,"sentiment":"neutral","sentiment_score":0.28169782397647697},{"text":"So do you have a figure in mind that you would wanna leave to the kids, or is it just yeah.","start":777.05,"end":785.505,"sentiment":"neutral","sentiment_score":-0.003488417892228989},{"text":"Mhmm.","start":785.505,"end":785.825,"sentiment":"neutral","sentiment_score":0.12682916224002838},{"text":"That's okay.","start":785.825,"end":786.385,"sentiment":"positive","sentiment_score":0.33945244550704956},{"text":"Cool.","start":786.385,"end":786.885,"sentiment":"positive","sentiment_score":0.4922342300415039}],"sentiment":"neutral","sentiment_score":0.18632513394609826,"num_words":61,"start":758.585,"end":786.885},{"sentences":[{"text":"With the total permanent disability, is there an amount that you so total permanent disability insurance basically covers you if you were never able to work again.","start":787.505,"end":797.685,"sentiment":"neutral","sentiment_score":0.1338985469882135},{"text":"Now you're very close to 60, which means that your superannuation fund becomes available to you in, like, tax free benefit.","start":798.31,"end":808.73004,"sentiment":"neutral","sentiment_score":0.324048651825814},{"text":"So you're able to draw on that benefit from, you know, basically, the day after your birthday.","start":809.27,"end":815.70496,"sentiment":"neutral","sentiment_score":0.3017501033404294},{"text":"With TPD insurance, if you were never able to work again because of an injury or illness that has fallen you, that amount of money pays again into your superannuation fund, and then it's able to be released to you either in a lump or in incremental payments.","start":818.165,"end":835.78,"sentiment":"neutral","sentiment_score":0.1831222727584342},{"text":"Now because you are 60 and we are at the point where we don't have a lot of in like, a lot of debts, I guess that we're at the point where is insurance something we need to be paying for?","start":836.96,"end":851.135,"sentiment":"neutral","sentiment_score":-0.14033769725299464}],"sentiment":"neutral","sentiment_score":0.12068868648599494,"num_words":154,"start":787.505,"end":851.135},{"sentences":[{"text":"Because, realistically, you know, it's only costing you 300.","start":851.91504,"end":855.19,"sentiment":"neutral","sentiment_score":-0.10176990843481487},{"text":"We'll just try $300 a year for the policy.","start":855.19,"end":858.07,"sentiment":"neutral","sentiment_score":-0.024897438784440357},{"text":"So it's not a lot that it's costing you, but it's sort of at that cost level where we can sort of look at it as a have you perhaps self insured?","start":858.07,"end":869.84503,"sentiment":"neutral","sentiment_score":-0.02252650953596458},{"text":"Do you have everything covered that if anything were to happen, you weren't able to work again, that your husband's income, the income from the farm, and your assets overall are are enough to to have you still in a comfortable lifestyle.","start":870.385,"end":886.41,"sentiment":"neutral","sentiment_score":0.03279465241801171},{"text":"Yeah.","start":893.35,"end":893.85,"sentiment":"neutral","sentiment_score":0.0158415324985981}],"sentiment":"neutral","sentiment_score":-0.005028360172785739,"num_words":93,"start":851.91504,"end":893.85},{"sentences":[{"text":"Okay.","start":894.245,"end":894.745,"sentiment":"neutral","sentiment_score":0.045814257115125656},{"text":"So look.","start":894.805,"end":895.365,"sentiment":"neutral","sentiment_score":0.03642098605632782},{"text":"I'll run the figures still and have a look and see if there's anything cheaper, and I'll have a look into the product disclosure statement for CareSoupa, because a lot of your industry funds from the age of between 60 and 65, those policies either drop to basically nothing in a benefit or they actually start ceasing.","start":895.365,"end":915.11,"sentiment":"neutral","sentiment_score":-0.09332422993815782},{"text":"As in you eat you meet an age determined expiry expiry period, and the policy falls off.","start":915.64996,"end":923.415,"sentiment":"neutral","sentiment_score":-0.13003039228565552},{"text":"So I'll have a look and dig into the the product disclosure statements to make sure, you know, where we're at and see whether there's anything comparable on the market just to see what's around.","start":923.65497,"end":934.15497,"sentiment":"neutral","sentiment_score":-0.068111068968262}],"sentiment":"neutral","sentiment_score":-0.08745740142850471,"num_words":112,"start":894.245,"end":934.15497},{"sentences":[{"text":"But it it's probably you know, once I start running the figures and seeing what our possible retirement outcome's looking like in the next, you know, twelve months, two years, five years, ten years, sorta looks like, we can kind of have a have a really good idea as to whether that benefit's helping you or harming you in terms of, you know, what you're paying for.","start":934.21497,"end":955.465,"sentiment":"neutral","sentiment_score":-0.2668440931323749},{"text":"Okay?","start":957.445,"end":957.945,"sentiment":"neutral","sentiment_score":-0.08505286276340485},{"text":"So I'll I'll have a look over that and have a look at this sacrifice side of things.","start":958.485,"end":962.985,"sentiment":"neutral","sentiment_score":-0.15720918402075768},{"text":"At the moment and because you your employer, they're paying 12 percent super contributions, so that's great.","start":964.93,"end":970.87,"sentiment":"positive","sentiment_score":0.36676520196830525},{"text":"I just wanted to make sure from the from, like, your ABN, are you putting anything additional into your super fund from, like, the No.","start":971.25,"end":979.58997,"sentiment":"neutral","sentiment_score":0.10823693625628948}],"sentiment":"neutral","sentiment_score":-0.09259719199326355,"num_words":128,"start":934.21497,"end":979.58997},{"sentences":[{"text":"Cool.","start":980.10504,"end":980.42505,"sentiment":"neutral","sentiment_score":0.0545467771589756},{"text":"That's okay.","start":980.42505,"end":980.98505,"sentiment":"neutral","sentiment_score":0.2135242074728012},{"text":"I just wanted to double check just just to make sure we were all covered there.","start":980.98505,"end":985.16504,"sentiment":"neutral","sentiment_score":0.13535234844312072},{"text":"Perfect.","start":987.22504,"end":987.72504,"sentiment":"positive","sentiment_score":0.7054864168167114},{"text":"Awesome.","start":988.265,"end":988.745,"sentiment":"positive","sentiment_score":0.7137120962142944}],"sentiment":"neutral","sentiment_score":0.1936395847726436,"num_words":21,"start":980.10504,"end":988.745},{"sentences":[{"text":"Well, that's that's pretty much, like, all I need to kinda cover.","start":988.745,"end":992.42505,"sentiment":"positive","sentiment_score":0.4653514325618744},{"text":"Just kinda, I guess, clarify a few details and make sure that I'm definitely heading on the right direction.","start":992.42505,"end":997.5,"sentiment":"positive","sentiment_score":0.6095124734075446},{"text":"But are there any questions that you might have or anything, I guess, from a personal note or or lifestyle preference that you might have that, you know, you sort of wanna have a chat about?","start":998.6,"end":1009.82,"sentiment":"neutral","sentiment_score":0.08670777703324954},{"text":"Okay.","start":1017.175,"end":1017.675,"sentiment":"neutral","sentiment_score":0.1442662626504898},{"text":"Perfect.","start":1017.735,"end":1018.235,"sentiment":"neutral","sentiment_score":0.3098545968532562}],"sentiment":"neutral","sentiment_score":0.3005877538867619,"num_words":69,"start":988.745,"end":1018.235},{"sentences":[{"text":"Yeah.","start":1028.46,"end":1028.86,"sentiment":"neutral","sentiment_score":0.040195219218730927},{"text":"No.","start":1028.86,"end":1029.26,"sentiment":"neutral","sentiment_score":-0.002766799181699753},{"text":"That's okay.","start":1029.26,"end":1030.0801,"sentiment":"neutral","sentiment_score":0.02450834959745407},{"text":"Now with it when it comes to investments within your super, I can see that you're still willing to take on a little bit of risk when it comes to, you know, like, the investment side of things.","start":1030.7001,"end":1042.585,"sentiment":"neutral","sentiment_score":0.01109356442956548},{"text":"But, obviously, I'm gonna look at, like, diversified assets, so making sure that we're not too heavy in one area or another and making sure that, you know, we're we're hedging our bets when it comes to any kind of risk.","start":1042.585,"end":1056.48,"sentiment":"neutral","sentiment_score":0.02398542183019766}],"sentiment":"neutral","sentiment_score":0.017968709187873876,"num_words":83,"start":1028.46,"end":1056.48},{"sentences":[{"text":"We don't wanna overweight ourselves and put ourselves in a risky market.","start":1056.48,"end":1060.98,"sentiment":"neutral","sentiment_score":-0.10159834039707978},{"text":"So I will definitely make sure that I take that into consideration when I'm looking at at the investment side of things for you when I'm, you know, looking at the holistic approach.","start":1062.045,"end":1071.3251,"sentiment":"neutral","sentiment_score":0.11397173165371924},{"text":"Okay?","start":1071.3251,"end":1071.8251,"sentiment":"neutral","sentiment_score":0.10704071819782256},{"text":"Alright.","start":1073.885,"end":1074.365,"sentiment":"neutral","sentiment_score":0.2374333143234253},{"text":"Perfect.","start":1074.365,"end":1074.865,"sentiment":"positive","sentiment_score":0.353729784488678}],"sentiment":"neutral","sentiment_score":0.06750189326703548,"num_words":48,"start":1056.48,"end":1074.865},{"sentences":[{"text":"Well, I'm gonna get cracking on running some of the numbers, having a look at the tax savings that we can get through, and and running everything from there.","start":1075.23,"end":1082.61,"sentiment":"neutral","sentiment_score":0.21474063910287003},{"text":"And and then I will have a chat to you on Tuesday when I've put everything together.","start":1082.75,"end":1087.17,"sentiment":"neutral","sentiment_score":0.13114608692772248},{"text":"So when we when we meet next, I'll have I'll have what's called a statement of advice that'll basically detail all the numbers, facts, and figures that I've researched and put together.","start":1087.23,"end":1096.225,"sentiment":"neutral","sentiment_score":0.19055686774663627},{"text":"Okay?","start":1096.225,"end":1096.725,"sentiment":"neutral","sentiment_score":0.11667879670858385},{"text":"Perfect.","start":1099.345,"end":1099.845,"sentiment":"positive","sentiment_score":0.7876330614089966}],"sentiment":"neutral","sentiment_score":0.19323867047205567,"num_words":80,"start":1075.23,"end":1099.845},{"sentences":[{"text":"Well, I will let you go for the day, and I will talk to you on Tuesday.","start":1100.625,"end":1103.9249,"sentiment":"positive","sentiment_score":0.34627198559396405},{"text":"Not a problem.","start":1106.8099,"end":1107.71,"sentiment":"positive","sentiment_score":0.5690486629803976},{"text":"Thanks so much for taking the time, Eleanor.","start":1107.77,"end":1109.5499,"sentiment":"positive","sentiment_score":0.7104612253606319},{"text":"Bye.","start":1111.5299,"end":1112.0299,"sentiment":"neutral","sentiment_score":-0.11740492284297945}],"sentiment":"positive","sentiment_score":0.45379498703726406,"num_words":29,"start":1100.625,"end":1112.0299}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. She's lovely. I've spoken to her a bit about TTR, especially since she's only a few months off hitting 60. So I think the strategy will need to incorporate a strategy of TTR once she once she hits that, and she's got heaps of heaps of margin for contributions. So I think even when she spoke previously to just inquired about salary sacrifice of $2.50 a week. So the fact that she can potentially start drawing down from 60 as well, I think there's a lot we can do there. Awesome. She is booked in for Tuesday at five, and I have linked you into the booking. Excellent. I'll just get it for you. Thanks for holding. So I've got Larissa on the line. As I said, she's one of the senior advisers that I see that's gonna start putting this strategy together. So she'll just have a quick chat about everything, make sure we're all on the same page, and then she'll get to work, and I will speak to you on Tuesday. Okay. Thanks. No worries. You have a great day. Yeah. You too. Thanks, Damien. Cheers. Bye. Yeah. Good. Thank you. Mhmm. Yep. Yes. Yes. Just a personal goal. Okay. Yep. Yes. Well, I was talking to the 67. But yeah. I mean, they said would be better the projection is is 70, but that all depends on the health team. Yeah. But, yeah. My my bosses are in their sixties as well. So depending whether they keep the business, I mean, yeah, that's another thing. So that's, you know, job security. So as a concern, it's done. And as you get older, people don't wanna employ older people. Hopefully. Yep. Well, what I sort of, you know, with my wages, it's it's just that figure I'd cross out of the sky considering that's what, you know, I sort of for myself, you know. Obviously, we've got another business running as well, our own property, small farm. You know, it just keeps life ticking along and keeps us comfortable. So, yeah, that was just a figure I come up with. I mean, obviously, as you get older, you're a lot too less, so you might not have spent as much. But yeah. The main the thing that interests me is setting up yeah. Lessing the amount of tax that you pay so that you can boot your super up a bit more. Yep. Yes. Just trying to think. Yeah. Because it's in cattle sales. So I was thinking probably about 25 maybe a year. 25, $30 a year. Yeah. I'm just thinking how many. Oh, yeah. Make make about $25 a year turnover. No. No. He does contracting work. Yeah. So we we we work through our IBM. So he does contracting work. So he he pulled his super when he turned 60. So we've just got that invested in in the bank. So yeah. And he goes out and does contract work. So yeah. He owns probably about the same as me. He only works probably five or six months of the year. So that's what fits in. The rest of the time he's back on the farm. So, yeah, he owns about similar to what I earn. Yeah. Some of them are, but, yeah, he won't. I wanna sell some, but, yeah, because he works remote, we've gotta have a caravan and a vehicle to tow the caravan. So that's given us an additional vehicle that we really don't need. But and then I bought myself a a v eight, and I probably shouldn't have, but I he doesn't wanna sell it now. So It's a vehicle loan. It's only on 5.99%. So yeah. Yep. Yep. Mhmm. Mhmm. We have none at the moment, but my daughter's getting married again the year. So hopefully. Yeah. I don't anticipate I yeah. I don't anticipate I'll have many. My daughter's got health issues, so, you know, she might just have the one. But, anyway, we'll see how it goes. But, anyway, one's better than none. Mhmm. Not really. I mean, I'm guessing if I drop dead that my beneficiaries end up with some money. So is that on top of what's already in the fund? Yep. Mhmm. Yep. Okay. Yeah. At the moment, though, we see $71,900 each. Not a bad little pop up for their for their mortgage. Yeah. Yeah. Yeah. That's no. No. I'm I'm just happy to leave it as it is. Yeah. Yep. Yep. Mhmm. There's enough to yeah. Yep. I think I think it would. Yeah. I mean, if if something like that happen, we'd probably downsize anyway. Yep. Mhmm. Mhmm. Yes. Yep. Mhmm. No. No. Yep. Not necessarily. No. No. Pretty pretty I think we've covered just about everything. Yep. They're pretty simple life. So no. You know, demands I wanna do or anything like that. So yeah. No. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Okay. Right. Sounds good. Okay. Sounds great. Okay. Okay. Thanks, Luisa. Okay. Okay. 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I'm good. She's lovely. I've spoken to her a bit about TTR, especially since she's only a few months off hitting 60. So I think the strategy will need to incorporate a strategy of TTR once she once she hits that, and she's got heaps of heaps of margin for contributions.\n\nSo I think even when she spoke previously to just inquired about salary sacrifice of $2.50 a week. So the fact that she can potentially start drawing down from 60 as well, I think there's a lot we can do there. Awesome. She is booked in for Tuesday at five, and I have linked you into the booking. Excellent.\n\nI'll just get it for you. Thanks for holding. So I've got Larissa on the line. As I said, she's one of the senior advisers that I see that's gonna start putting this strategy together. So she'll just have a quick chat about everything, make sure we're all on the same page, and then she'll get to work, and I will speak to you on Tuesday.\n\nOkay. Thanks. No worries. You have a great day. Yeah.\n\nYou too. Thanks, Damien. Cheers. Bye. Yeah.\n\nGood. Thank you. Mhmm. Yep. Yes.\n\nYes. Just a personal goal. Okay. Yep. Yes.\n\nWell, I was talking to the 67. But yeah. I mean, they said would be better the projection is is 70, but that all depends on the health team. Yeah. But, yeah.\n\nMy my bosses are in their sixties as well. So depending whether they keep the business, I mean, yeah, that's another thing. So that's, you know, job security. So as a concern, it's done. And as you get older, people don't wanna employ older people.\n\nHopefully. Yep. Well, what I sort of, you know, with my wages, it's it's just that figure I'd cross out of the sky considering that's what, you know, I sort of for myself, you know. Obviously, we've got another business running as well, our own property, small farm. You know, it just keeps life ticking along and keeps us comfortable.\n\nSo, yeah, that was just a figure I come up with. I mean, obviously, as you get older, you're a lot too less, so you might not have spent as much. But yeah. The main the thing that interests me is setting up yeah. Lessing the amount of tax that you pay so that you can boot your super up a bit more.\n\nYep. Yes. Just trying to think. Yeah. Because it's in cattle sales.\n\nSo I was thinking probably about 25 maybe a year. 25, $30 a year. Yeah. I'm just thinking how many. Oh, yeah.\n\nMake make about $25 a year turnover. No. No. He does contracting work. Yeah.\n\nSo we we we work through our IBM. So he does contracting work. So he he pulled his super when he turned 60. So we've just got that invested in in the bank. So yeah.\n\nAnd he goes out and does contract work. So yeah. He owns probably about the same as me. He only works probably five or six months of the year. So that's what fits in.\n\nThe rest of the time he's back on the farm. So, yeah, he owns about similar to what I earn. Yeah. Some of them are, but, yeah, he won't. I wanna sell some, but, yeah, because he works remote, we've gotta have a caravan and a vehicle to tow the caravan.\n\nSo that's given us an additional vehicle that we really don't need. But and then I bought myself a a v eight, and I probably shouldn't have, but I he doesn't wanna sell it now. So It's a vehicle loan. It's only on 5.99%. So yeah.\n\nYep. Yep. Mhmm. Mhmm. We have none at the moment, but my daughter's getting married again the year.\n\nSo hopefully. Yeah. I don't anticipate I yeah. I don't anticipate I'll have many. My daughter's got health issues, so, you know, she might just have the one.\n\nBut, anyway, we'll see how it goes. But, anyway, one's better than none. Mhmm. Not really. I mean, I'm guessing if I drop dead that my beneficiaries end up with some money.\n\nSo is that on top of what's already in the fund? Yep. Mhmm. Yep. Okay.\n\nYeah. At the moment, though, we see $71,900 each. Not a bad little pop up for their for their mortgage. Yeah. Yeah.\n\nYeah. That's no. No. I'm I'm just happy to leave it as it is. Yeah.\n\nYep. Yep. Mhmm. There's enough to yeah. Yep.\n\nI think I think it would. Yeah. I mean, if if something like that happen, we'd probably downsize anyway. Yep. Mhmm.\n\nMhmm. Yes. Yep. Mhmm. No.\n\nNo. Yep. Not necessarily. No. No.\n\nPretty pretty I think we've covered just about everything. Yep. They're pretty simple life. So no. You know, demands I wanna do or anything like that.\n\nSo yeah. No. Yep. Mhmm. Yep.\n\nMhmm. Yep. Mhmm. Okay. Right.\n\nSounds good. Okay. Sounds great. Okay. Okay.\n\nThanks, Luisa. Okay. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.05600918456912041},{"text":"I'm good.","start":6.3999996,"end":7.22,"sentiment":"positive","sentiment_score":0.6472267806529999},{"text":"She's lovely.","start":7.52,"end":8.42,"sentiment":"positive","sentiment_score":0.7786573767662048},{"text":"I've spoken to her a bit about TTR, especially since she's only a few months off hitting 60.","start":9.599999,"end":15.059999,"sentiment":"neutral","sentiment_score":0.1351968782643477},{"text":"So I think the strategy will need to incorporate a strategy of TTR once she once she hits that, and she's got heaps of heaps of margin for contributions.","start":16.045,"end":26.545,"sentiment":"neutral","sentiment_score":0.12829816469858432}],"sentiment":"neutral","sentiment_score":0.17426861700816795,"num_words":52,"start":3.76,"end":26.545},{"sentences":[{"text":"So I think even when she spoke previously to just inquired about 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do or anything like that.","start":1021.08997,"end":1026.165,"sentiment":"neutral","sentiment_score":0.11587556973099708}],"sentiment":"neutral","sentiment_score":0.11245791191378465,"num_words":26,"start":1013.41,"end":1026.165},{"sentences":[{"text":"So 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Luisa.","start":1105.0,"end":1105.9,"sentiment":"positive","sentiment_score":0.6752481162548065},{"text":"Okay.","start":1108.6,"end":1109.1,"sentiment":"positive","sentiment_score":0.4715699851512909},{"text":"Okay.","start":1110.0399,"end":1110.52,"sentiment":"neutral","sentiment_score":0.3151809275150299},{"text":"Bye.","start":1110.52,"end":1111.0168,"sentiment":"neutral","sentiment_score":0.30745190382003784}],"sentiment":"positive","sentiment_score":0.4889398097991943,"num_words":5,"start":1105.0,"end":1111.0168}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello?\n\nChannel 1: Hello?\n\nChannel 0: How are you doing?\n\nChannel 1: I'm good. She's lovely. I've spoken to her a bit about TTR, especially since she's only a few months off hitting 60. So I think\n\nChannel 0: Yes.\n\nChannel 1: the strategy will need to incorporate\n\nChannel 0: Encompass.\n\nChannel 1: a strategy of TTR once she once she hits that, and she's got\n\nChannel 0: Yep.\n\nChannel 1: heaps of heaps of margin for contributions. So I think even when she spoke previously to just inquired about salary sacrifice of $2.50 a week. So the fact that she can potentially start drawing down from 60 as well, I think there's a lot we can do there.\n\nChannel 0: Perfect. No. There's a meeting.\n\nChannel 1: Awesome. She is booked in for Tuesday at five, and I have linked you into the booking.\n\nChannel 0: Yes. I saw it. Thank you very much.\n\nChannel 1: Excellent. I'll just get it for you.\n\nChannel 0: That's\n\nChannel 1: Thanks for holding. So I've got Larissa on the line. As I said, she's one of the senior advisers that I see that's gonna start putting this strategy together. So she'll just have a quick chat about everything, make sure we're all on the same page, and then she'll get to work, and I will speak to you on Tuesday. Okay.\n\nThanks. No worries. You have a great day. Yeah. You too.\n\nThanks, Damien. Cheers. Bye.\n\nChannel 0: Hi, Eleanor. My name is Larissa. How are you going?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: That's good. So as Sabine explained, I'm a financial adviser with O2 Financial. So what my whole role is is to work for you. Every client that I speak to has different goals. And with that, every piece of advice that I put together does differ because everyone's goals are different.\n\nNow\n\nChannel 1: Mhmm.\n\nChannel 0: I know that you've put together quite a lot of information with my team, and I really appreciate you going through and doing that. But what I wanna, I guess, spend a little bit time doing is just making sure that I actually know what you wanna achieve and and, I guess, the drivers behind why you wanna achieve those goals. So that way I know\n\nChannel 1: Yep.\n\nChannel 0: that I'm heading in the right direction for you when I'm putting the advice together. Now I know that you have sort of a personal goal that in the next sort of one to five years, you're looking to do some overseas travel.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Scotland and Ireland, gorgeous countries. May I ask, is that something, like, budget wise you wanna look at putting advice together for, or is that just a personal goal that you're going to budgetarily save for yourself?\n\nChannel 1: Yes. Just a personal goal.\n\nChannel 0: Yeah. No. That's okay. Nothing wrong with that. Absolutely lovely.\n\nI can just be advocate for you and check-in and make sure that you're still striving towards that goal every year.\n\nChannel 1: Okay.\n\nChannel 0: Now I can see that you're you're wanting to have a lump sum of about $250,000 when you do wanna retire, and and you wanna really, really focus on on growing the balance of your superannuation. Now we are just a couple of months off 60, which is very exciting because there are some really super exciting tax saving strategies that we can put in place. I know that Fabian was having a bit of a chat to you about those already. So I'd really love to have a look at that to see whether we can tax optimize, still continue receiving, you know, your same income, because that's biggest biggest\n\nChannel 1: Yep.\n\nChannel 0: benefit. We don't wanna drop your income. But, ultimately, what we wanna do is we wanna take money away from paying taxes and, and put it back in your back pocket.\n\nChannel 1: Yes.\n\nChannel 0: So that's really exciting on that front. But I do have that you're looking to not retire until you're actually 70. May I\n\nChannel 1: Well,\n\nChannel 0: ask your\n\nChannel 1: I was talking to the 67. But yeah. I mean, they said would be better the projection is is 70, but that all depends on the health\n\nChannel 0: Yeah.\n\nChannel 1: team.\n\nChannel 0: No. Of course. And I I can see you're in a a pretty administrative sedentary work. A little bit\n\nChannel 1: Yeah.\n\nChannel 0: of walking around.\n\nChannel 1: But, yeah. My my bosses are in their sixties as well. So depending whether they keep the business, I mean, yeah, that's another thing. So that's, you know, job security.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Of\n\nChannel 1: as a\n\nChannel 0: course.\n\nChannel 1: concern,\n\nChannel 0: And you've\n\nChannel 1: it's\n\nChannel 0: been\n\nChannel 1: done. And as you get older, people don't wanna employ\n\nChannel 0: employee.\n\nChannel 1: older people.\n\nChannel 0: Yeah. It becomes a little bit harder. And you've been with them for seven years, so you'd be up for pro rata long service?\n\nChannel 1: Hopefully. Yep.\n\nChannel 0: No. That that's beautiful. Okay. Then that's okay. And and I have here that you're looking to target sort of an income of around $1,000 a week.\n\nCan I ask, did you pluck that figure, or is that sort of justifiable?\n\nChannel 1: Well, what I sort of, you know, with my wages, it's it's just that figure I'd cross out of the sky considering that's what, you know, I sort of for myself, you know. Obviously, we've got another business running as well, our own property, small farm. You know, it just\n\nChannel 0: Yeah.\n\nChannel 1: keeps life ticking along and keeps us comfortable. So, yeah, that was just a figure I come up with. I mean, obviously, as you get older, you're a lot too less, so you might not have spent as much. But yeah. The main the thing that interests me is setting up yeah.\n\nLessing the amount of tax that you pay so that\n\nChannel 0: Yeah.\n\nChannel 1: you can boot your super up a bit more.\n\nChannel 0: Yeah. No. Absolutely. The only reason I ask is because based on your $75,000 of income, that would put your net annual pay at around 60,000. So a little bit over the thousand dollars a week.\n\nBut I can see that you obviously do put some savings away each week about a $125. So mathematically, like, it does pretty much add up that a thousand dollars a week would basically cover your expenses and any discretionary spending pretty well. So,\n\nChannel 1: Yep.\n\nChannel 0: I mean, whilst you may see think that it is a bit of a plus figure, it's actually pretty well calculated on your behalf. So that's good. Now you did mention the farm, and you said small. I know that a 170 acres isn't the largest farm that exists, but still a bit bit of land there. And you guys, as a as a as a couple, like, you you operate a business on it.\n\nI'm assuming it's, you know, it's cattle at least.\n\nChannel 1: Yes.\n\nChannel 0: Do do you know what the farm turns over, or is it not really a profit?\n\nChannel 1: Just trying to think. Yeah. Because it's in cattle sales. So I was thinking probably about 25 maybe a year. 25, $30 a year.\n\nChannel 0: Yeah. No. That's okay. Perfect.\n\nChannel 1: Yeah. I'm just thinking how many. Oh, yeah. Make make about $25 a year turnover.\n\nChannel 0: Yeah. Perfect. And your husband, does he solely work on the cattle farm? Or\n\nChannel 1: No. No. He does contracting work.\n\nChannel 0: Beautiful. So he has a completely second income as well.\n\nChannel 1: Yeah. So we we we work through our IBM. So he does contracting work. So he he pulled his super when he turned 60. So we've\n\nChannel 0: Yes.\n\nChannel 1: just got that invested in in the bank. So yeah. And he goes out and does contract work. So yeah. He owns probably about the same as me.\n\nHe only works probably five or six months of the year. So that's what fits in. The rest of the time he's back on the farm. So, yeah, he owns about similar to what I earn.\n\nChannel 0: Hi. Beautiful. And then we have seven vehicles, which I assume majority of those are found\n\nChannel 1: Yeah.\n\nChannel 0: vehicles.\n\nChannel 1: Some of them are, but, yeah, he won't. I wanna sell some, but, yeah, because he works remote, we've gotta have a caravan and a vehicle\n\nChannel 0: Yeah.\n\nChannel 1: to tow the caravan. So that's given us an additional vehicle that we really don't need. But and\n\nChannel 0: Yeah.\n\nChannel 1: then I bought myself a a v eight, and I probably shouldn't have, but I he doesn't wanna sell it now. So\n\nChannel 0: Of course. No. Boys and their toys. No. That's okay.\n\nWell, we've got pretty minimal debt, which is nice. We've only got the 14,000 owing. Have we got a plan together to pay that one down quickly? Because I'm assuming it's vehicle or personal loans.\n\nChannel 1: It's a vehicle loan. It's only on 5.99%. So yeah.\n\nChannel 0: Not too bad then. Alright. Perfect. Okay. So with respect to, like, the superannuation, the tax savings, I will 100% go through and have a look at how we can best ensure that we are optimizing our tax savings as well as, you know, making sure that I'm not impacting your income because that's one of the biggest things is sometimes\n\nChannel 1: Yep.\n\nChannel 0: you can,\n\nChannel 1: Yep.\n\nChannel 0: you know, implement a strategy and it completely throws things to the wind. And I wanna make sure we don't do that. So\n\nChannel 1: Mhmm.\n\nChannel 0: I'll make sure that we, you know, get you the same kind of income that you're on now without loss of income. Outside of that, I see we have a bit of a personal goal to make sure we can spend some more time with the grandkids in retirement, which is perfect. Can I ask how many\n\nChannel 1: Mhmm.\n\nChannel 0: grandkids we have?\n\nChannel 1: We have none at the moment, but my daughter's getting married again the year. So hopefully.\n\nChannel 0: Oh, so very soon. It doesn't take long. They they start multiplying quickly. It was once my mother had one, and now she has 11. So\n\nChannel 1: Yeah.\n\nChannel 0: you blink\n\nChannel 1: I don't\n\nChannel 0: and they\n\nChannel 1: anticipate\n\nChannel 0: they're all\n\nChannel 1: I\n\nChannel 0: running around.\n\nChannel 1: yeah. I don't anticipate I'll have many. My daughter's got health issues, so, you know, she might just have the one. But, anyway, we'll see how it goes.\n\nChannel 0: Okay.\n\nChannel 1: But, anyway,\n\nChannel 0: One\n\nChannel 1: one's\n\nChannel 0: or\n\nChannel 1: better\n\nChannel 0: many.\n\nChannel 1: than none.\n\nChannel 0: Correct. Now insurance wise, with respect to, like, your current superannuation funds, you do hold a life and a total disability policy within the fund.\n\nChannel 1: Mhmm.\n\nChannel 0: Now it's for 25,800 for the life, 17,200 for the total print facility. Do you understand what those two benefits do for you and how they act?\n\nChannel 1: Not really. I mean, I'm guessing if I drop dead that my beneficiaries end up with some money.\n\nChannel 0: Yeah. So the life insurance component, most certainly. So what happens is that that amount of money gets paid into the super fund, forms part of the benefit under the super fund, and then when the super fund\n\nChannel 1: So\n\nChannel 0: pays\n\nChannel 1: is that\n\nChannel 0: to\n\nChannel 1: on\n\nChannel 0: the\n\nChannel 1: top\n\nChannel 0: beneficiary.\n\nChannel 1: of what's already in the fund?\n\nChannel 0: It is. Yeah. So you've got the, like, 118,000 in the fund. And then\n\nChannel 1: Yep.\n\nChannel 0: if you were to pass away, that 25,800 would pay to your CareSuper super account from\n\nChannel 1: Mhmm.\n\nChannel 0: the insurer.\n\nChannel 1: Yep.\n\nChannel 0: And then once that was paid out, CareSuper would then pay to your nominated beneficiaries,\n\nChannel 1: Okay.\n\nChannel 0: which is currently listed as the kids.\n\nChannel 1: Yeah.\n\nChannel 0: So they would receive that benefit per your wishes.\n\nChannel 1: At the moment, though, we see $71,900 each. Not a bad little\n\nChannel 0: Little\n\nChannel 1: pop\n\nChannel 0: nest\n\nChannel 1: up for\n\nChannel 0: egg?\n\nChannel 1: their\n\nChannel 0: Not\n\nChannel 1: for their mortgage.\n\nChannel 0: Not at all.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I get them on their feet a little bit. So\n\nChannel 1: Yeah.\n\nChannel 0: and now, like, with the fact that, like, you don't have any debt, so, realistically, any life insurance that you want to have is realistically something that you're leaving as an asset to your kids.\n\nChannel 1: Yeah. That's\n\nChannel 0: So do you have a figure in mind that you would wanna leave to the kids, or is it just\n\nChannel 1: no. No. I'm I'm just happy to leave it as it is. Yeah.\n\nChannel 0: yeah. Mhmm. That's okay. Cool. With the total permanent disability, is there an amount that you so total permanent disability insurance basically covers you if you were never able to work again.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: you're very close to 60, which means that your superannuation fund becomes available to you in, like, tax free benefit. So you're\n\nChannel 1: Yep.\n\nChannel 0: able to draw on that benefit from, you know, basically, the day after your birthday. With TPD insurance, if you were never able to work again because of an injury or illness that has fallen you, that amount of money pays again into your superannuation fund, and then it's able to be released to you either in a lump or in incremental payments.\n\nChannel 1: Mhmm.\n\nChannel 0: Now because you are 60 and we are at the point where we don't have a lot of in like, a lot of debts, I guess that we're at the point where is insurance something we need to be paying for? Because, realistically, you know, it's only costing you 300. We'll just try $300 a year for the policy. So it's not a lot that it's costing you, but it's sort of at that cost level where we can sort of look at it as a have you perhaps self insured? Do you have everything covered that if anything were to happen, you weren't able to work again, that your husband's income, the income from the farm, and your\n\nChannel 1: There's\n\nChannel 0: assets\n\nChannel 1: enough to\n\nChannel 0: overall are are enough to to\n\nChannel 1: yeah.\n\nChannel 0: have\n\nChannel 1: Yep.\n\nChannel 0: you still in a comfortable lifestyle.\n\nChannel 1: I think I think it would. Yeah. I mean, if if something like that happen, we'd probably downsize anyway.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yep.\n\nChannel 0: So look. I'll run the figures still and have a look and see if there's anything cheaper, and I'll have a\n\nChannel 1: Mhmm.\n\nChannel 0: look into the product disclosure statement for CareSoupa,\n\nChannel 1: Mhmm.\n\nChannel 0: because a lot of your industry funds from the age of between 60 and 65, those policies either drop to basically nothing in a benefit or they actually start ceasing. As in you eat you meet an age determined expiry expiry period, and the policy\n\nChannel 1: Yes.\n\nChannel 0: falls off. So I'll have a look and dig into the the product disclosure statements to make sure, you know, where we're at and see whether there's anything comparable on the market just to see what's around. But it it's probably you know, once I start running the figures and seeing what our possible retirement outcome's looking like in the next, you know, twelve months, two years, five years, ten years, sorta looks like, we can kind of have a have a really good idea as to whether that benefit's helping you or harming you in terms of, you know, what you're paying for.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So I'll I'll have a look over that and have a look at this sacrifice side of things.\n\nChannel 1: Mhmm.\n\nChannel 0: At the moment and because you your employer, they're paying 12 percent super contributions, so that's great. I just wanted to make sure from the from, like, your ABN, are you putting anything additional into your super fund from, like, the\n\nChannel 1: No. No.\n\nChannel 0: No. Cool. That's okay. I just wanted to double check just just to make sure we were all covered there. Perfect.\n\nAwesome. Well, that's that's pretty much, like, all I need to kinda cover. Just kinda, I guess, clarify a few details and make sure that I'm definitely heading on the right direction.\n\nChannel 1: Yep.\n\nChannel 0: But are there any questions that you might have or anything, I guess, from a personal note or or lifestyle preference that you might have that, you know, you sort of wanna have a chat about?\n\nChannel 1: Not necessarily. No. No. Pretty pretty I think we've covered just about everything.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yep. They're pretty simple life. So no. You know, demands I wanna do or anything like that. So yeah.\n\nChannel 0: Yeah. No. That's okay.\n\nChannel 1: No.\n\nChannel 0: Now with it when it comes to investments within your super, I can see that you're still willing to take on a little bit of risk when it comes to, you know, like, the investment side of things. But, obviously, I'm gonna\n\nChannel 1: Yep.\n\nChannel 0: look at, like, diversified assets, so\n\nChannel 1: Mhmm.\n\nChannel 0: making sure that we're not too heavy in one area or another and making sure that, you know, we're we're hedging our bets when it comes to any kind of risk. We don't wanna\n\nChannel 1: Yep.\n\nChannel 0: overweight ourselves and put ourselves in a risky market.\n\nChannel 1: Mhmm.\n\nChannel 0: So I will definitely make sure that I take that into consideration when I'm looking at at the investment side of things for you\n\nChannel 1: Yep.\n\nChannel 0: when I'm, you know, looking at the holistic approach. Okay? Alright. Perfect. Well, I'm gonna get cracking on running some of the numbers, having a look at the tax savings that we can get through, and and running everything from there.\n\nAnd\n\nChannel 1: Mhmm.\n\nChannel 0: and then I will have a chat to you on Tuesday when I've put everything together.\n\nChannel 1: Okay.\n\nChannel 0: So when we when\n\nChannel 1: Right.\n\nChannel 0: we meet\n\nChannel 1: Sounds\n\nChannel 0: next,\n\nChannel 1: good.\n\nChannel 0: I'll have I'll have what's called a statement of advice that'll basically detail all the numbers, facts, and figures that I've researched and put together. Okay?\n\nChannel 1: Okay. Sounds great.\n\nChannel 0: Perfect. Well,\n\nChannel 1: Okay.\n\nChannel 0: I will let you go for the day, and I will talk to you on Tuesday.\n\nChannel 1: Okay. Thanks, Luisa.\n\nChannel 0: Not a problem. Thanks so much for taking\n\nChannel 1: Okay.\n\nChannel 0: the time, Eleanor.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.3999999,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.03597712516784668}],"sentiment":"neutral","sentiment_score":0.03597712516784668,"channel":0,"num_words":1,"start":2.3999999,"end":2.8999999},{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.05600918456912041}],"sentiment":"neutral","sentiment_score":0.05600918456912041,"channel":1,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"How are you doing?","start":4.96,"end":6.1099997,"sentiment":"neutral","sentiment_score":0.16775749996304512}],"sentiment":"neutral","sentiment_score":0.16775749996304512,"channel":0,"num_words":4,"start":4.96,"end":6.1099997},{"sentences":[{"text":"I'm good.","start":6.3999996,"end":7.22,"sentiment":"positive","sentiment_score":0.6472267806529999},{"text":"She's lovely.","start":7.52,"end":8.42,"sentiment":"positive","sentiment_score":0.7786573767662048},{"text":"I've spoken to her a bit about TTR, especially since she's only a few months off hitting 60.","start":9.599999,"end":15.059999,"sentiment":"neutral","sentiment_score":0.1351968782643477},{"text":"So I think","start":16.045,"end":17.025,"sentiment":"neutral","sentiment_score":0.07990715404351552}],"sentiment":"neutral","sentiment_score":0.2210013434290886,"channel":1,"num_words":25,"start":6.3999996,"end":17.025},{"sentences":[{"text":"Yes.","start":16.815,"end":17.315,"sentiment":"neutral","sentiment_score":0.11310498416423798}],"sentiment":"neutral","sentiment_score":0.11310498416423798,"channel":0,"num_words":1,"start":16.815,"end":17.315},{"sentences":[{"text":"the strategy will need to incorporate","start":17.085,"end":19.725,"sentiment":"neutral","sentiment_score":0.10438942536711693}],"sentiment":"neutral","sentiment_score":0.10438942536711693,"channel":1,"num_words":6,"start":17.085,"end":19.725},{"sentences":[{"text":"Encompass.","start":19.695,"end":20.195,"sentiment":"neutral","sentiment_score":0.11777490377426147}],"sentiment":"neutral","sentiment_score":0.11777490377426147,"channel":0,"num_words":1,"start":19.695,"end":20.195},{"sentences":[{"text":"a strategy of TTR once she once she hits that, and she's got","start":19.725,"end":23.965,"sentiment":"neutral","sentiment_score":0.1279093032846084}],"sentiment":"neutral","sentiment_score":0.1279093032846084,"channel":1,"num_words":13,"start":19.725,"end":23.965},{"sentences":[{"text":"Yep.","start":23.535,"end":24.03,"sentiment":"neutral","sentiment_score":0.15158948302268982}],"sentiment":"neutral","sentiment_score":0.15158948302268982,"channel":0,"num_words":1,"start":23.535,"end":24.03},{"sentences":[{"text":"heaps of heaps of margin for contributions.","start":23.965,"end":26.545,"sentiment":"neutral","sentiment_score":0.17025254560368402},{"text":"So I think even when she spoke previously to just inquired about salary sacrifice of $2.50 a week.","start":26.925,"end":34.03,"sentiment":"neutral","sentiment_score":0.04794616148703628},{"text":"So the fact that she can potentially start drawing down from 60 as well, I think there's a lot we can do there.","start":34.09,"end":39.71,"sentiment":"neutral","sentiment_score":0.12830076058921608}],"sentiment":"neutral","sentiment_score":0.10428575457384189,"channel":1,"num_words":48,"start":23.965,"end":39.71},{"sentences":[{"text":"Perfect.","start":41.594997,"end":42.094997,"sentiment":"positive","sentiment_score":0.3636057376861572},{"text":"No.","start":42.235,"end":42.735,"sentiment":"neutral","sentiment_score":0.048121705651283264},{"text":"There's a meeting.","start":42.954998,"end":44.574997,"sentiment":"neutral","sentiment_score":0.0632056122024854}],"sentiment":"neutral","sentiment_score":0.12026885598897934,"channel":0,"num_words":5,"start":41.594997,"end":44.574997},{"sentences":[{"text":"Awesome.","start":45.754997,"end":46.155,"sentiment":"positive","sentiment_score":0.3945898413658142},{"text":"She is booked in for Tuesday at five, and I have linked you into the booking.","start":46.155,"end":50.574997,"sentiment":"neutral","sentiment_score":0.16728090588003397}],"sentiment":"neutral","sentiment_score":0.18065201973213868,"channel":1,"num_words":17,"start":45.754997,"end":50.574997},{"sentences":[{"text":"Yes.","start":51.390003,"end":51.890003,"sentiment":"neutral","sentiment_score":0.17405790090560913},{"text":"I saw it.","start":51.95,"end":52.850002,"sentiment":"neutral","sentiment_score":0.21362809836864471},{"text":"Thank you very much.","start":52.99,"end":54.050003,"sentiment":"positive","sentiment_score":0.5907752811908722}],"sentiment":"positive","sentiment_score":0.397255415096879,"channel":0,"num_words":8,"start":51.390003,"end":54.050003},{"sentences":[{"text":"Excellent.","start":54.315,"end":54.795,"sentiment":"positive","sentiment_score":0.6162242889404297},{"text":"I'll just get it for you.","start":54.795,"end":56.094997,"sentiment":"positive","sentiment_score":0.4310351063807805}],"sentiment":"positive","sentiment_score":0.45749070388930185,"channel":1,"num_words":7,"start":54.315,"end":56.094997},{"sentences":[{"text":"That's","start":56.43,"end":56.75,"sentiment":"neutral","sentiment_score":0.3084908127784729}],"sentiment":"neutral","sentiment_score":0.3084908127784729,"channel":0,"num_words":1,"start":56.43,"end":56.75},{"sentences":[{"text":"Thanks for holding.","start":61.76,"end":62.82,"sentiment":"positive","sentiment_score":0.4923478464285533},{"text":"So I've got Larissa on the line.","start":62.88,"end":64.74,"sentiment":"neutral","sentiment_score":0.17830056377819606},{"text":"As I said, she's one of the senior advisers that I see that's gonna start putting this strategy together.","start":64.8,"end":69.78,"sentiment":"neutral","sentiment_score":0.1873567712150122},{"text":"So she'll just have a quick chat about everything, make sure we're all on the same page, and then she'll get to work, and I will speak to you on Tuesday.","start":69.965004,"end":76.465004,"sentiment":"neutral","sentiment_score":0.16978181682286725},{"text":"Okay.","start":76.925,"end":77.405,"sentiment":"neutral","sentiment_score":0.17056438326835632}],"sentiment":"neutral","sentiment_score":0.19211027612451648,"channel":1,"num_words":61,"start":61.76,"end":77.405},{"sentences":[{"text":"Thanks.","start":77.405,"end":77.905,"sentiment":"neutral","sentiment_score":0.3117937445640564},{"text":"No worries.","start":78.605,"end":79.165,"sentiment":"neutral","sentiment_score":0.2484312579035759},{"text":"You have a great day.","start":79.165,"end":80.225006,"sentiment":"positive","sentiment_score":0.481364244222641},{"text":"Yeah.","start":80.365005,"end":80.605,"sentiment":"neutral","sentiment_score":0.16813603043556213},{"text":"You too.","start":80.605,"end":81.005005,"sentiment":"neutral","sentiment_score":0.19427192211151123}],"sentiment":"positive","sentiment_score":0.3429233960129998,"channel":1,"num_words":11,"start":77.405,"end":81.005005},{"sentences":[{"text":"Thanks, Damien.","start":81.005005,"end":81.805,"sentiment":"positive","sentiment_score":0.35372990369796753},{"text":"Cheers.","start":81.805,"end":82.285,"sentiment":"positive","sentiment_score":0.369473934173584},{"text":"Bye.","start":82.285,"end":82.785,"sentiment":"neutral","sentiment_score":0.17190764844417572}],"sentiment":"neutral","sentiment_score":0.3122103475034237,"channel":1,"num_words":4,"start":81.005005,"end":82.785},{"sentences":[{"text":"Hi, Eleanor.","start":84.3,"end":85.1,"sentiment":"neutral","sentiment_score":0.12976793199777603},{"text":"My name is Larissa.","start":85.1,"end":85.9,"sentiment":"neutral","sentiment_score":0.09419512934982777},{"text":"How are you 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like that.","start":1021.08997,"end":1026.165,"sentiment":"neutral","sentiment_score":0.11587556973099708},{"text":"So yeah.","start":1026.245,"end":1026.905,"sentiment":"neutral","sentiment_score":0.08899048715829849}],"sentiment":"neutral","sentiment_score":0.165548453597646,"channel":1,"num_words":19,"start":1017.88995,"end":1026.905},{"sentences":[{"text":"Yeah.","start":1028.46,"end":1028.86,"sentiment":"neutral","sentiment_score":0.040195219218730927},{"text":"No.","start":1028.86,"end":1029.26,"sentiment":"neutral","sentiment_score":-0.002766799181699753},{"text":"That's 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called a statement of advice that'll basically detail all the numbers, facts, and figures that I've researched and put together.","start":1088.75,"end":1096.225,"sentiment":"neutral","sentiment_score":0.2165457195043564},{"text":"Okay?","start":1096.225,"end":1096.725,"sentiment":"neutral","sentiment_score":0.11667879670858385}],"sentiment":"neutral","sentiment_score":0.2127046840122113,"channel":0,"num_words":26,"start":1088.75,"end":1096.725},{"sentences":[{"text":"Okay.","start":1097.185,"end":1097.665,"sentiment":"positive","sentiment_score":0.35242676734924316},{"text":"Sounds 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They also discuss the customer's income and expenses, including rent and car payments. The customer's income is around $1,000 a week and they have around $25,000 in savings per week. The agent explains their retirement plans and financial situation, including their maximum retirement age and the possibility of a retirement outcome in the next twelve months. They also discuss the benefits of their current superannaps and their retirement plans, including a life insurance policy and a total disability policy. The agent will provide a detailed financial statement and tax savings report, as well as a tax savings report and a tax savings report with a retirement outcome in the next twelve months."},"intents":{"segments":[{"text":"the strategy will need to incorporate Encompass. a strategy of TTR once she once she hits that, and she's got Yep. heaps of heaps of margin for contributions. So I think even when she spoke previously to just inquired about salary sacrifice of $2.50 a week. 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Yeah.","start_word":364,"end_word":393,"intents":[{"intent":"Plan travel plans","confidence_score":0.0076636467}]},{"text":"And and I have here that you're looking to target sort of an income of around $1,000 a week. Can I ask, did you pluck that figure, or is that sort of justifiable?","start_word":778,"end_word":810,"intents":[{"intent":"Calculate income","confidence_score":0.056022685}]},{"text":"And you guys, as a as a as a couple, like, you you operate a business on it. I'm assuming it's, you know, it's cattle at least. Yes. Do do you know what the farm turns over, or is it not really a profit? Just trying to think.","start_word":1073,"end_word":1120,"intents":[{"intent":"Discuss business development and profit","confidence_score":0.0000021909896}]},{"text":"Do do you know what the farm turns over, or is it not really a profit? Just trying to think.","start_word":1100,"end_word":1119,"intents":[{"intent":"Express concern about income and vehicle future","confidence_score":1.7129537e-10}]},{"text":"Do do you know what the farm turns over, or is it not really a profit? Just trying to think. Yeah. Because it's in cattle sales. So I was thinking probably about 25 maybe a year. 25, $30 a year.","start_word":1100,"end_word":1139,"intents":[{"intent":"Identify potential retirement income","confidence_score":0.000070437345}]},{"text":"then I bought myself a a v eight, and I probably shouldn't have, but I he doesn't wanna sell it now. So Of course.","start_word":1345,"end_word":1368,"intents":[{"intent":"Confirm viability of v8 vehicle","confidence_score":0.0000057708185},{"intent":"Discuss v8 ownership","confidence_score":0.0003273216}]},{"text":"Well, we've got pretty minimal debt, which is nice. We've only got the 14,000 owing. Have we got a plan together to pay that one down quickly?","start_word":1377,"end_word":1403,"intents":[{"intent":"Discuss payment plan for debt reduction","confidence_score":0.00006155467}]},{"text":"So with respect to, like, the superannuation, the tax savings, I will 100% go through and have a look at how we can best ensure that we are optimizing our tax savings as well as, you know, making sure that I'm not impacting your income because that's one of the biggest things is sometimes Yep.","start_word":1429,"end_word":1483,"intents":[{"intent":"Optimize tax savings","confidence_score":0.44570863}]},{"text":"Outside of that, I see we have a bit of a personal goal to make sure we can spend some more time with the grandkids in retirement, which is perfect.","start_word":1533,"end_word":1562,"intents":[{"intent":"Spend time with grandchildren","confidence_score":0.25281686}]},{"text":"Do you understand what those two benefits do for you and how they act? Not really.","start_word":1704,"end_word":1719,"intents":[{"intent":"Understand benefits","confidence_score":0.3099849}]},{"text":"So what happens is that that amount of money gets paid into the super fund, forms part of the benefit under the super fund, and then when the super fund So pays is that to on the top beneficiary. of what's already in the fund? It is. Yeah.","start_word":1745,"end_word":1792,"intents":[{"intent":"Resolve confusion about super fund allocation","confidence_score":2.664842e-8}]},{"text":"Now because you are 60 and we are at the point where we don't have a lot of in like, a lot of debts, I guess that we're at the point where is insurance something we need to be paying for?","start_word":2088,"end_word":2128,"intents":[{"intent":"Evaluate insurance coverage options","confidence_score":0.022803016}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? How are you doing?","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.11779337376356123},{"text":"I'm good. She's lovely.","start_word":6,"end_word":9,"sentiment":"positive","sentiment_score":0.7104875445365906},{"text":"I've spoken to her a bit about TTR, especially since she's only a few months off hitting 60. So I think Yes. the strategy will need to incorporate Encompass. a strategy of TTR once she once she hits that, and she's got Yep. heaps of heaps of margin for contributions. So I think even when she spoke previously to just inquired about salary sacrifice of $2.50 a week. So the fact that she can potentially start drawing down from 60 as well, I think there's a lot we can do there.","start_word":10,"end_word":100,"sentiment":"neutral","sentiment_score":0.12021751701831818},{"text":"Perfect.","start_word":101,"end_word":101,"sentiment":"positive","sentiment_score":0.3636057376861572},{"text":"No. There's a meeting.","start_word":102,"end_word":105,"sentiment":"neutral","sentiment_score":0.05982573702931404},{"text":"Awesome.","start_word":106,"end_word":106,"sentiment":"positive","sentiment_score":0.3945898413658142},{"text":"She is booked in for Tuesday at five, and I have linked you into the booking. Yes. I saw it.","start_word":107,"end_word":126,"sentiment":"neutral","sentiment_score":0.17408999800682068},{"text":"Thank you very much. Excellent. I'll just get it for you. That's Thanks for holding.","start_word":127,"end_word":141,"sentiment":"positive","sentiment_score":0.4721425175666809},{"text":"So I've got Larissa on the line. As I said, she's one of the senior advisers that I see that's gonna start putting this strategy together. So she'll just have a quick chat about everything, make sure we're all on the same page, and then she'll get to work, and I will speak to you on Tuesday. Okay. Thanks. No worries.","start_word":142,"end_word":202,"sentiment":"neutral","sentiment_score":0.18315723538398743},{"text":"You have a great day.","start_word":203,"end_word":207,"sentiment":"positive","sentiment_score":0.4746803343296051},{"text":"Yeah. You too.","start_word":208,"end_word":210,"sentiment":"neutral","sentiment_score":0.18705590069293976},{"text":"Thanks, Damien. Cheers.","start_word":211,"end_word":213,"sentiment":"positive","sentiment_score":0.35541224479675293},{"text":"Bye. Hi, Eleanor. My name is Larissa. How are you going? Yeah. Good.","start_word":214,"end_word":226,"sentiment":"neutral","sentiment_score":0.14555105566978457},{"text":"Thank you. That's good.","start_word":227,"end_word":230,"sentiment":"positive","sentiment_score":0.4111400842666626},{"text":"So as Sabine explained, I'm a financial adviser with O2 Financial. So what my whole role is is to work for you. Every client that I speak to has different goals. And with that, every piece of advice that I put together does differ because everyone's goals are different. Now Mhmm. I know that you've put together quite a lot of information with my team, and I really appreciate you going through and doing that. But what I wanna, I guess, spend a little bit time doing is just making sure that I actually know what you wanna achieve and and, I guess, the drivers behind why you wanna achieve those goals. So that way I know Yep.","start_word":231,"end_word":348,"sentiment":"neutral","sentiment_score":0.11389636248350143},{"text":"that I'm heading in the right direction for you when I'm putting the advice together.","start_word":349,"end_word":363,"sentiment":"positive","sentiment_score":0.4932861924171448},{"text":"Now I know that you have sort of a personal goal that in the next sort of one to five years, you're looking to do some overseas travel. Yes. Yeah.","start_word":364,"end_word":393,"sentiment":"neutral","sentiment_score":0.15298044681549072},{"text":"Scotland and Ireland, gorgeous countries.","start_word":394,"end_word":398,"sentiment":"positive","sentiment_score":0.4693315923213959},{"text":"May I ask, is that something, like, budget wise you wanna look at putting advice together for, or is that just a personal goal that you're going to budgetarily save for yourself? Yes. Just a personal goal. Yeah. No. That's okay.","start_word":399,"end_word":439,"sentiment":"neutral","sentiment_score":0.19744621217250824},{"text":"Nothing wrong with that. Absolutely lovely. I can just be advocate for you and check-in and make sure that you're still striving towards that goal every year.","start_word":440,"end_word":466,"sentiment":"positive","sentiment_score":0.6310798525810242},{"text":"Okay. Now I can see that you're you're wanting to have a lump sum of about $250,000 when you do wanna retire, and and you wanna really, really focus on on growing the balance of your superannuation.","start_word":467,"end_word":503,"sentiment":"neutral","sentiment_score":0.2779826819896698},{"text":"Now we are just a couple of months off 60, which is very exciting because there are some really super exciting tax saving strategies that we can put in place.","start_word":504,"end_word":533,"sentiment":"positive","sentiment_score":0.3703448176383972},{"text":"I know that Fabian was having a bit of a chat to you about those already. So I'd really love to have a look at that to see whether we can tax optimize, still continue receiving, you know, your same income, because that's biggest biggest Yep. benefit. We don't wanna drop your income. But, ultimately, what we wanna do is we wanna take money away from paying taxes and, and put it back in your back pocket. Yes.","start_word":534,"end_word":611,"sentiment":"neutral","sentiment_score":0.16952551901340485},{"text":"So that's really exciting on that front.","start_word":612,"end_word":618,"sentiment":"positive","sentiment_score":0.3792510330677033},{"text":"But I do have that you're looking to not retire until you're actually 70. May I ask Well, your I was talking to the 67. But yeah. I mean, they said would be better the projection is is 70, but that all depends on the health Yeah. team. No. Of course. And I I can see you're in a a pretty administrative sedentary work. A little bit Yeah. of walking around. But, yeah. My my bosses are in their sixties as well. So depending whether they keep the business, I mean, yeah, that's another thing. So that's, you know, job security. Yeah. So Of as a course. concern, And you've it's been done. And as you get older, people don't wanna employ employee. older people. Yeah. It becomes a little bit harder. And you've been with them for seven years, so you'd be up for pro rata long service? Hopefully. Yep. No.","start_word":619,"end_word":770,"sentiment":"neutral","sentiment_score":-0.006200481279704131},{"text":"That that's beautiful.","start_word":771,"end_word":773,"sentiment":"positive","sentiment_score":0.5140302181243896},{"text":"Okay. Then that's okay. And and I have here that you're looking to target sort of an income of around $1,000 a week. Can I ask, did you pluck that figure, or is that sort of justifiable? Well, what I sort of, you know, with my wages, it's it's just that figure I'd cross out of the sky considering that's what, you know, I sort of for myself, you know. Obviously, we've got another business running as well, our own property, small farm. You know, it just Yeah.","start_word":774,"end_word":861,"sentiment":"neutral","sentiment_score":0.08668223768472672},{"text":"keeps life ticking along and keeps us comfortable.","start_word":862,"end_word":869,"sentiment":"positive","sentiment_score":0.517265796661377},{"text":"So, yeah, that was just a figure I come up with. I mean, obviously, as you get older, you're a lot too less, so you might not have spent as much. But yeah. The main the thing that interests me is setting up yeah. Lessing the amount of tax that you pay so that Yeah. you can boot your super up a bit more. Yeah. No. Absolutely. The only reason I ask is because based on your $75,000 of income, that would put your net annual pay at around 60,000. So a little bit over the thousand dollars a week. But I can see that you obviously do put some savings away each week about a $125. So mathematically, like, it does pretty much add up that a thousand dollars a week would basically cover your expenses and any discretionary spending pretty well. So, Yep. I mean, whilst you may see think that it is a bit of a plus figure, it's actually pretty well calculated on your behalf.","start_word":870,"end_word":1038,"sentiment":"neutral","sentiment_score":0.15196996927261353},{"text":"So that's good.","start_word":1039,"end_word":1041,"sentiment":"positive","sentiment_score":0.5524371266365051},{"text":"Now you did mention the farm, and you said small. I know that a 170 acres isn't the largest farm that exists, but still a bit bit of land there. And you guys, as a as a as a couple, like, you you operate a business on it. I'm assuming it's, you know, it's cattle at least. Yes. Do do you know what the farm turns over, or is it not really a profit? Just trying to think. Yeah. Because it's in cattle sales. So I was thinking probably about 25 maybe a year. 25, $30 a year. Yeah. No. That's okay. Perfect. Yeah. I'm just thinking how many. Oh, yeah. Make make about $25 a year turnover. Yeah. Perfect. And your husband, does he solely work on the cattle farm? Or No. No. He does contracting work.","start_word":1042,"end_word":1179,"sentiment":"neutral","sentiment_score":0.017750937410670777},{"text":"Beautiful.","start_word":1180,"end_word":1180,"sentiment":"positive","sentiment_score":0.46108585596084595},{"text":"So he has a completely second income as well. Yeah. So we we we work through our IBM. So he does contracting work. So he he pulled his super when he turned 60. So we've Yes. just got that invested in in the bank. So yeah. And he goes out and does contract work. So yeah. He owns probably about the same as me. He only works probably five or six months of the year. So that's what fits in. The rest of the time he's back on the farm. So, yeah, he owns about similar to what I earn. Hi. Beautiful. And then we have seven vehicles, which I assume majority of those are found Yeah. vehicles. Some of them are, but, yeah, he won't. I wanna sell some, but, yeah, because he works remote, we've gotta have a caravan and a vehicle Yeah. to tow the caravan. So that's given us an additional vehicle that we really don't need. But and Yeah. then I bought myself a a v eight, and I probably shouldn't have, but I he doesn't wanna sell it now. So Of course. No. Boys and their toys. No. That's okay. Well, we've got pretty minimal debt, which is nice. We've only got the 14,000 owing. Have we got a plan together to pay that one down quickly? Because I'm assuming it's vehicle or personal loans. It's a vehicle loan. It's only on 5.99%. So yeah.","start_word":1181,"end_word":1421,"sentiment":"neutral","sentiment_score":0.03537845741416409},{"text":"Not too bad then. Alright. Perfect. Okay.","start_word":1422,"end_word":1428,"sentiment":"positive","sentiment_score":0.48958271741867065},{"text":"So with respect to, like, the superannuation, the tax savings, I will 100% go through and have a look at how we can best ensure that we are optimizing our tax savings as well as, you know, making sure that I'm not impacting your income because that's one of the biggest things is sometimes Yep. you can, Yep. you know, implement a strategy and it completely throws things to the wind.","start_word":1429,"end_word":1499,"sentiment":"neutral","sentiment_score":0.09724120050668716},{"text":"And I wanna make sure we don't do that.","start_word":1500,"end_word":1508,"sentiment":"negative","sentiment_score":-0.3602472245693207},{"text":"So Mhmm.","start_word":1509,"end_word":1510,"sentiment":"neutral","sentiment_score":0.0436251163482666},{"text":"I'll make sure that we, you know, get you the same kind of income that you're on now without loss of income. Outside of that, I see we have a bit of a personal goal to make sure we can spend some more time with the grandkids in retirement, which is perfect.","start_word":1511,"end_word":1562,"sentiment":"positive","sentiment_score":0.461840957403183},{"text":"Can I ask how many Mhmm. grandkids we have? We have none at the moment, but my daughter's getting married again the year. So hopefully. Oh, so very soon. It doesn't take long. They they start multiplying quickly. It was once my mother had one, and now she has 11. So Yeah. you blink I don't and they anticipate they're all I running around. yeah. I don't anticipate I'll have many. My daughter's got health issues, so, you know, she might just have the one. But, anyway, we'll see how it goes. Okay. But, anyway, One one's or better many. than none. Correct. Now insurance wise, with respect to, like, your current superannuation funds, you do hold a life and a total disability policy within the fund. Mhmm. Now it's for 25,800 for the life, 17,200 for the total print facility. Do you understand what those two benefits do for you and how they act?","start_word":1563,"end_word":1717,"sentiment":"neutral","sentiment_score":0.0435393899679184},{"text":"Not really. I mean, I'm guessing if I drop dead that my beneficiaries end up with some money.","start_word":1718,"end_word":1735,"sentiment":"negative","sentiment_score":-0.3749029040336609},{"text":"Yeah. So the life insurance component, most certainly. So what happens is that that amount of money gets paid into the super fund, forms part of the benefit under the super fund, and then when the super fund So pays is that to on the top beneficiary. of what's already in the fund? It is. Yeah. So you've got the, like, 118,000 in the fund. And then Yep. if you were to pass away, that 25,800 would pay to your CareSuper super account from Mhmm. the insurer. Yep. And then once that was paid out, CareSuper would then pay to your nominated beneficiaries, Okay. which is currently listed as the kids. Yeah.","start_word":1736,"end_word":1847,"sentiment":"neutral","sentiment_score":0.10635162078376328},{"text":"So they would receive that benefit per your wishes.","start_word":1848,"end_word":1856,"sentiment":"positive","sentiment_score":0.41386833786964417},{"text":"At the moment, though, we see $71,900 each. Not a bad little Little pop nest up for egg? their Not for their mortgage. Not at all. Yeah. Yeah.","start_word":1857,"end_word":1884,"sentiment":"neutral","sentiment_score":0.044920001178979874},{"text":"I get them on their feet a little bit.","start_word":1885,"end_word":1893,"sentiment":"positive","sentiment_score":0.39504069089889526},{"text":"So Yeah. and now, like, with the fact that, like, you don't have any debt, so, realistically, any life insurance that you want to have is realistically something that you're leaving as an asset to your kids. Yeah. That's So do you have a figure in mind that you would wanna leave to the kids, or is it just no. No. I'm I'm just happy to leave it as it is. Yeah. yeah. Mhmm. That's okay.","start_word":1894,"end_word":1969,"sentiment":"neutral","sentiment_score":0.14372317492961884},{"text":"Cool.","start_word":1970,"end_word":1970,"sentiment":"positive","sentiment_score":0.4922342300415039},{"text":"With the total permanent disability, is there an amount that you so total permanent disability insurance basically covers you if you were never able to work again. Now Yep. you're very close to 60, which means that your superannuation fund becomes available to you in, like, tax free benefit.","start_word":1971,"end_word":2019,"sentiment":"neutral","sentiment_score":0.22902466356754303},{"text":"So you're Yep.","start_word":2020,"end_word":2022,"sentiment":"positive","sentiment_score":0.34175190329551697},{"text":"able to draw on that benefit from, you know, basically, the day after your birthday. With TPD insurance, if you were never able to work again because of an injury or illness that has fallen you, that amount of money pays again into your superannuation fund, and then it's able to be released to you either in a lump or in incremental payments. Mhmm. Now because you are 60 and we are at the point where we don't have a lot of in like, a lot of debts, I guess that we're at the point where is insurance something we need to be paying for? Because, realistically, you know, it's only costing you 300. We'll just try $300 a year for the policy. So it's not a lot that it's costing you, but it's sort of at that cost level where we can sort of look at it as a have you perhaps self insured? Do you have everything covered that if anything were to happen, you weren't able to work again, that your husband's income, the income from the farm, and your There's assets enough to overall are are enough to to yeah. have Yep.","start_word":2023,"end_word":2218,"sentiment":"neutral","sentiment_score":0.022680002663816725},{"text":"you still in a comfortable lifestyle. I think I think it would.","start_word":2219,"end_word":2230,"sentiment":"positive","sentiment_score":0.4126843214035034},{"text":"Yeah. I mean, if if something like that happen, we'd probably downsize anyway. Yeah. Okay. Yep. So look. I'll run the figures still and have a look and see if there's anything cheaper, and I'll have a look Mhmm. into the product disclosure statement for CareSoupa, because Mhmm. a lot of your industry funds from the age of between 60 and 65, those policies either drop to basically nothing in a benefit or they actually start ceasing. As in you eat you meet an age determined expiry expiry period, and the policy Yes. falls off. So I'll have a look and dig into the the product disclosure statements to make sure, you know, where we're at and see whether there's anything comparable on the market just to see what's around. But it it's probably you know, once I start running the figures and seeing what our possible retirement outcome's looking like in the next, you know, twelve months, two years, five years, ten years, sorta looks like, we can kind of have a have a really good idea as to whether that benefit's helping you or harming you in terms of, you know, what you're paying for. Yep. Okay? So I'll I'll have a look over that and have a look at this sacrifice side of things. Mhmm.","start_word":2231,"end_word":2448,"sentiment":"neutral","sentiment_score":-0.13941612839698792},{"text":"At the moment and because you your employer, they're paying 12 percent super contributions, so that's great.","start_word":2449,"end_word":2465,"sentiment":"positive","sentiment_score":0.4097835421562195},{"text":"I just wanted to make sure from the from, like, your ABN, are you putting anything additional into your super fund from, like, the No. No. No. Cool. That's okay. I just wanted to double check just just to make sure we were all covered there.","start_word":2466,"end_word":2511,"sentiment":"neutral","sentiment_score":0.0978265181183815},{"text":"Perfect. Awesome. Well, that's that's pretty much, like, all I need to kinda cover. Just kinda, I guess, clarify a few details and make sure that I'm definitely heading on the right direction.","start_word":2512,"end_word":2544,"sentiment":"positive","sentiment_score":0.5577692985534668},{"text":"Yep. But are there any questions that you might have or anything, I guess, from a personal note or or lifestyle preference that you might have that, you know, you sort of wanna have a chat about? Not necessarily. No. No. Pretty pretty I think we've covered just about everything. Okay. Perfect. Yep. They're pretty simple life. So no. You know, demands I wanna do or anything like that. So yeah. Yeah. No. That's okay. No. Now with it when it comes to investments within your super, I can see that you're still willing to take on a little bit of risk when it comes to, you know, like, the investment side of things. But, obviously, I'm gonna Yep. look at, like, diversified assets, so Mhmm. making sure that we're not too heavy in one area or another and making sure that, you know, we're we're hedging our bets when it comes to any kind of risk. We don't wanna Yep. overweight ourselves and put ourselves in a risky market. Mhmm. So I will definitely make sure that I take that into consideration when I'm looking at at the investment side of things for you Yep. when I'm, you know, looking at the holistic approach. Okay? Alright.","start_word":2545,"end_word":2751,"sentiment":"neutral","sentiment_score":0.055364519357681274},{"text":"Perfect.","start_word":2752,"end_word":2752,"sentiment":"positive","sentiment_score":0.353729784488678},{"text":"Well, I'm gonna get cracking on running some of the numbers, having a look at the tax savings that we can get through, and and running everything from there. And Mhmm. and then I will have a chat to you on Tuesday when I've put everything together. Okay. So when we when Right.","start_word":2753,"end_word":2805,"sentiment":"neutral","sentiment_score":0.16274473071098328},{"text":"we meet Sounds next, good.","start_word":2806,"end_word":2810,"sentiment":"positive","sentiment_score":0.3730510175228119},{"text":"I'll have I'll have what's called a statement of advice that'll basically detail all the numbers, facts, and figures that I've researched and put together. Okay?","start_word":2811,"end_word":2836,"sentiment":"neutral","sentiment_score":0.2029784470796585},{"text":"Okay. Sounds great. Perfect. Well, Okay. I will let you go for the day, and I will talk to you on Tuesday.","start_word":2837,"end_word":2858,"sentiment":"positive","sentiment_score":0.43468305468559265},{"text":"Okay.","start_word":2859,"end_word":2859,"sentiment":"neutral","sentiment_score":0.30936378240585327},{"text":"Thanks, Luisa. Not a problem. Thanks so much for taking Okay. the time, Eleanor.","start_word":2860,"end_word":2873,"sentiment":"positive","sentiment_score":0.6170514822006226},{"text":"Okay. Bye. Bye.","start_word":2874,"end_word":2876,"sentiment":"neutral","sentiment_score":0.2841145098209381}],"average":{"sentiment":"neutral","sentiment_score":0.109752552030598}}}}