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So I've spoken to our head of advice because she knows everything in regards to Hailey's situation as well. So just for clarity as well, just so we all are kind of on the same page, because what I told her as well, she was like, oh, yeah. That that that makes sense. So if you are happy with that, what I might do is I will get our head of advice, Larissa, to come in to the call now, and then we will call Hailey in as well just so that she can explain for both of you so you guys are both on the same page when it comes to the IDPS and the investment just so that everyone's getting the same information. Would you be comfortable with that? Yes. So it won't be advice that we're given. So the only thing that she will do so her name is Larissa, and she will just kind of explain the situation that we can't actually give you advice yet until we actually do the research and put a recommendation together. So she won't be, oh, we suggest that you do sell this or move it into this because we can't actually do that until we've done a proposal and put it all in a strategy paper. So the only thing she's going to do is just like a general, okay. This is where things are at at the moment, which is obviously with the consent order, and that currently stipulates that that you guys will go into the investment bond. She clarified it with Haley that we can't actually do that because we haven't given any advice in regards to that yet. So it's we can't even say, oh, yes. That is a good or bad idea because it's not even a recommendation as of yet. So it's a bit too early to do that. Does that make sense? Yes. Exactly. Which is where their confusion is because that was never given to her from my understanding. Yeah. Yes. Yep. So if everything stays exactly the way that it is right now with you both having a fifty fifty split. So if nothing changes, then it will be exactly the same that when you do your tax return, any, like, income or anything from the investments will be added when you do your tax return. That will be obviously as per your marginal tax rate. And it's only when you guys sell the investment that you pay capital gains tax. Correct. Correct. Yeah. So it's, like, kind of like a a get exactly. So it's like if you have a bank account, you don't get taxed. But say you have 50,000 on the bank account, you don't get taxed on the 50,000. But if the interest you made was $2,000, you declare the $2,000 interest and then you pay tax on that. Does that make sense? Yeah. Yes. No. So with the investment bond, it would not be taxed on your that you wouldn't have to declare it on your tax return or anything like that. To move it into the investment bond, because we would have to sell the investment you currently have in the IDPS, you would then have to pay 50% of the earnings, so you'd have to pay capital gains tax on that. Correct. And transfer it over to an investment bond. Yes. Not for an invest not for an investment bond. I don't. No. Because it can be have multiple bonds. So depending on what is going to be the best, it could be a matter of you having individual. So whether you guys wanted together, set it up jointly, you can do that. Or if when, let's say, you if if it was that you guys decide, oh, let's just sell it, the IDPF split it, and then half of it goes to you. If you decide that you want to put that to your kids, then you can be the sole owner of it and then have it directly to your kids. And then whatever she decides to do with her portion, if she decides to do also investment bonds that she have control over, she can do that or whatever she wants to do. I think so. Just so she has the right information. Yes. Exactly. And that's why I was like, I was when I was speaking to Larissa, I was like, this is my understanding. This is where it is. That it was put it in the consent order seemed a little bit, you know, premature in that way because we don't even know if it's I don't even know yet whether that is a recommendation that I think you should or should not do because they haven't done the research to determine that yet. It was Tommy, so he's currently on paternity leave. So that's why I was like, okay. Let's let's get what was that? Sorry. Yep. Can you hear me? Yep. The scent sorry. Because I don't have access to the Larissa yes. Sorry. Larissa will have access. Because of, obviously, privacy, I can't view any correspondence between them. But Larissa, as head of advice, being impartial, obviously, in this situation will have access to it. So she can have a look to see whether that was advice, which I don't think. I think it was just a general, hey. This is a potential option. But then she can clarify that with Hailey on the phone as well, and she won't provide any advice or tell you guys I think you should do x y zed. It'd literally be more of a conversation of this is where things are at currently. This is the situation we are looking at, and then provide kind of clarity in regards to the investment bond wasn't a recommendation. It's a potential option that we can explore. Does that make sense? Yes. Yeah. Yes. Beautiful. Yeah. So what I'll do is I'll just quickly put you on hold, and I will get Larissa to come in. And she will kind of just run the meeting just so it's impartial so Hailey doesn't think I'm just advertising for you. And then we will call Hailey in as well into the call. Okay? So it'll be all four of us. Yep. Okay. Beautiful. Just give me three seconds, and I will get them onto the phone for you. Alright. Thanks, Ben. Hi, Ben. My name is Larissa. How are you going? Yeah. Really good. So I'm the head of financial advice. So I'm, I guess, being a mediator between the two advices on my side and keeping your files very separated with respect to everything. Now with your permission, what I wanna do is obviously bring Hailey in. I have given her a heads up that we were giving her a call and then just have a very general conversation with both of you. I am not intimately aware of either of your files, so there's not gonna be any breach of privacy on either either side. It's just gonna be very much a plain and simple general conversation. K? Yeah. Absolutely. Yep. No Chinese whispers. We'll just go from there. Cool. Alright. Give me one second, and what I'll do is I will give her a call, and we'll go from there. Not a problem. Alright. Ben and Hailey, you're on the line. Larissa and Veronica here on this side. Okay. Perfect. So what I wanted to, I guess, talk about was the the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names. Now as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only. Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward. Is that correct? Not really. Okay. And I I'm more than happy for you to clarify. Yeah. From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names. However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names for tax purposes with us as the managers of it. And after that, we haven't really come up to yeah. We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that. There hasn't been a full on discussion about that. It was just my proposal. And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes. Yep. That was that has been relayed to Ben. Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay. But that's kind of what I at least thought we were progressing towards. So from from a from a general perspective only, with the account as it currently stands, 5050% ownership. Yeah. If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then for, like, for example, sake, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT. Oh, I get that for now. Like, once that happens, that's understandable. Yes. It's just for long term moving forward. Yeah. So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be. The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be Yeah. I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids. Is that correct, Sam? Yeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself. But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond. And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons. So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in. So for to to explain that, I guess, is that you could liquidate the money. The money goes into a pool, and then whatever tax needs to be paid from that pool is paid, and then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben's, grand is Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just left for you guys to independently pay those taxes. And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money, and Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money. So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that. I know the kids are still quite young. So in ten years' time, probably not because we're looking to touch that money, but it's over ten like, ten years plus for those child bonds. Thank you for that. That's okay. I completely understand that. It's I think I don't know. See what Ben thinks about that. I don't know what he I I know Ben's intention is oh, you go. So Yeah. No. So how it happens is do you remember back in the day? You'd be old enough. Do you remember back in the day where you had, like, your Commonwealth Dolomites account? And you had the account that was in your name, but mom and dad mom and dad were basically the trustees of that account, and mom and dad had to sign off on everything for that money to come out? Same kind of concept. So with the child builder, is it a very spec specific I am tripping over that word today. It's very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult, basically, trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has, and then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen. Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out for ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25. So let's just say at 18, you're happy for the kids to get access to that account. The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder. The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account, they are able to play with that money as much as they want without paying any tax on the draw withdrawings. So it the accounts are what is called tax paid after ten years. And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them. And then by the time they do get to earning age where they have a job and, you know, maybe they might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so. Nor Capital Gains. Correct? Yes. Nor Capital Gains. Correct. Yep. You don't have to know. So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made. But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in. Sounds convoluted, but it just kind of make sure you don't pay the tax. That's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account. So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is. If you didn't put any money in, that's fine. If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah. But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again. That's all it is. It's not the end of the world, especially when the can I ask how old are the kids? I'm actually not They're almost six and a. Six and a. Okay. Yeah. So if you would yeah. So, I mean, look. Realistically, what a what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're willing to do. Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids or I I set up IDPSs and and investment accounts for my kids back when they were born. And then, you know, in the last few years, I set up a bond. With tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule. Kind of a 125% rule. Sorry. Yeah. So that is just, like, some options that we can explore Yeah. Absolutely. You know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to top the account in half. It's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted. Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with. Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment. The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now. But, yeah, converting that IDPS and and pushing it over to the kids from a investment point of view is not gonna work No. Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay. So, I mean, you guys are looking at our situation from the bird's eye view. What would you honestly recommend then? What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess. Unless you have an answer, then I'm more than comfortable for you to put it out there. But what is the intention with this account, and how do you want it to be split and used for? And once you figure that out between the two of you, it'll give a really clear answer because all the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that. Or the third option is, yeah, it goes to one person over the other and there's compensation in some way. Yeah. Okay. So, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account. Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order. So that way, I guess, there's assurance for both of you that that's what the money is going to be used for. But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say let's just say one of the kids goes to or both the kids go to a private education, and they decide to pick up the trombone, and that's, like, a $4 instrument probably. You know? And the $4 is not sitting there, and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just I guess, it's dependent on what you guys specifically want. But the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Yeah. Sorry. The bond. Bond is not IDP. Yes. But same thing. Yeah. Or whether, as I said, we it gets split in half. Half goes to Hailey. Half goes to Ben. Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence. And it's realistically, it can be an unfair split sometimes. It can be that more assets go to one over the other. It's just the decision that has to be made in terms of what you guys are both comfortable with moving forward. Yes. No. That's absolutely okay. Did you both have any questions at all with regards to the account or where you wanna, like any any questions? Well, I think as it stands, it just keeps going as is till we obviously make a decision. I mean, I do because this is recorded. I have obviously contributed to that account previously, like, for for about at least six months with individual deposits. Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that. And it can go to the kids, and that's what we agree now. But his parents there was nothing in writing from his parents. That's just the wishes that changed that unfolded. Yeah. So Thank you. Absolutely. Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Yeah. That's fine. Ben, were you happy with that? Perfect. I will get that change happening tonight. Thank you. Thank you so much for both of your time. I really appreciate it. And I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay? Thank you. Thanks, guys. Have a good day. You too. 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Is this Ben? Yeah. Can you hear me okay? Yeah.\n\nBeautiful. So I have spoken through Hailey's adviser. Now her adviser is currently on paternity leave. So I've spoken to our head of advice because she knows everything in regards to Hailey's situation as well. So just for clarity as well, just so we all are kind of on the same page, because what I told her as well, she was like, oh, yeah.\n\nThat that that makes sense. So if you are happy with that, what I might do is I will get our head of advice, Larissa, to come in to the call now, and then we will call Hailey in as well just so that she can explain for both of you so you guys are both on the same page when it comes to the IDPS and the investment just so that everyone's getting the same information. Would you be comfortable with that? Yes. So it won't be advice that we're given.\n\nSo the only thing that she will do so her name is Larissa, and she will just kind of explain the situation that we can't actually give you advice yet until we actually do the research and put a recommendation together. So she won't be, oh, we suggest that you do sell this or move it into this because we can't actually do that until we've done a proposal and put it all in a strategy paper. So the only thing she's going to do is just like a general, okay. This is where things are at at the moment, which is obviously with the consent order, and that currently stipulates that that you guys will go into the investment bond. She clarified it with Haley that we can't actually do that because we haven't given any advice in regards to that yet.\n\nSo it's we can't even say, oh, yes. That is a good or bad idea because it's not even a recommendation as of yet. So it's a bit too early to do that. Does that make sense? Yes.\n\nExactly. Which is where their confusion is because that was never given to her from my understanding. Yeah. Yes. Yep.\n\nSo if everything stays exactly the way that it is right now with you both having a fifty fifty split. So if nothing changes, then it will be exactly the same that when you do your tax return, any, like, income or anything from the investments will be added when you do your tax return. That will be obviously as per your marginal tax rate. And it's only when you guys sell the investment that you pay capital gains tax. Correct.\n\nCorrect. Yeah. So it's, like, kind of like a a get exactly. So it's like if you have a bank account, you don't get taxed. But say you have 50,000 on the bank account, you don't get taxed on the 50,000.\n\nBut if the interest you made was $2,000, you declare the $2,000 interest and then you pay tax on that. Does that make sense? Yeah. Yes. No.\n\nSo with the investment bond, it would not be taxed on your that you wouldn't have to declare it on your tax return or anything like that. To move it into the investment bond, because we would have to sell the investment you currently have in the IDPS, you would then have to pay 50% of the earnings, so you'd have to pay capital gains tax on that. Correct. And transfer it over to an investment bond. Yes.\n\nNot for an invest not for an investment bond. I don't. No. Because it can be have multiple bonds. So depending on what is going to be the best, it could be a matter of you having individual.\n\nSo whether you guys wanted together, set it up jointly, you can do that. Or if when, let's say, you if if it was that you guys decide, oh, let's just sell it, the IDPF split it, and then half of it goes to you. If you decide that you want to put that to your kids, then you can be the sole owner of it and then have it directly to your kids. And then whatever she decides to do with her portion, if she decides to do also investment bonds that she have control over, she can do that or whatever she wants to do. I think so.\n\nJust so she has the right information. Yes. Exactly. And that's why I was like, I was when I was speaking to Larissa, I was like, this is my understanding. This is where it is.\n\nThat it was put it in the consent order seemed a little bit, you know, premature in that way because we don't even know if it's I don't even know yet whether that is a recommendation that I think you should or should not do because they haven't done the research to determine that yet. It was Tommy, so he's currently on paternity leave. So that's why I was like, okay. Let's let's get what was that? Sorry.\n\nYep. Can you hear me? Yep. The scent sorry. Because I don't have access to the Larissa yes.\n\nSorry. Larissa will have access. Because of, obviously, privacy, I can't view any correspondence between them. But Larissa, as head of advice, being impartial, obviously, in this situation will have access to it. So she can have a look to see whether that was advice, which I don't think.\n\nI think it was just a general, hey. This is a potential option. But then she can clarify that with Hailey on the phone as well, and she won't provide any advice or tell you guys I think you should do x y zed. It'd literally be more of a conversation of this is where things are at currently. This is the situation we are looking at, and then provide kind of clarity in regards to the investment bond wasn't a recommendation.\n\nIt's a potential option that we can explore. Does that make sense? Yes. Yeah. Yes.\n\nBeautiful. Yeah. So what I'll do is I'll just quickly put you on hold, and I will get Larissa to come in. And she will kind of just run the meeting just so it's impartial so Hailey doesn't think I'm just advertising for you. And then we will call Hailey in as well into the call.\n\nOkay? So it'll be all four of us. Yep. Okay. Beautiful.\n\nJust give me three seconds, and I will get them onto the phone for you. Alright. Thanks, Ben. Hi, Ben. My name is Larissa.\n\nHow are you going? Yeah. Really good. So I'm the head of financial advice. So I'm, I guess, being a mediator between the two advices on my side and keeping your files very separated with respect to everything.\n\nNow with your permission, what I wanna do is obviously bring Hailey in. I have given her a heads up that we were giving her a call and then just have a very general conversation with both of you. I am not intimately aware of either of your files, so there's not gonna be any breach of privacy on either either side. It's just gonna be very much a plain and simple general conversation. K?\n\nYeah. Absolutely. Yep. No Chinese whispers. We'll just go from there.\n\nCool. Alright. Give me one second, and what I'll do is I will give her a call, and we'll go from there. Not a problem. Alright.\n\nBen and Hailey, you're on the line. Larissa and Veronica here on this side. Okay. Perfect. So what I wanted to, I guess, talk about was the the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names.\n\nNow as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only. Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward. Is that correct? Not really.\n\nOkay. And I I'm more than happy for you to clarify. Yeah. From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names. However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names for tax purposes with us as the managers of it.\n\nAnd after that, we haven't really come up to yeah. We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that. There hasn't been a full on discussion about that. It was just my proposal. And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes.\n\nYep. That was that has been relayed to Ben. Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay. But that's kind of what I at least thought we were progressing towards.\n\nSo from from a from a general perspective only, with the account as it currently stands, 5050% ownership. Yeah. If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then for, like, for example, sake, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT. Oh, I get that for now. Like, once that happens, that's understandable.\n\nYes. It's just for long term moving forward. Yeah. So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be. The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after.\n\nIt just needs to be Yeah. I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids. Is that correct, Sam?\n\nYeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself. But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond.\n\nAnd the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons. So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in.\n\nSo for to to explain that, I guess, is that you could liquidate the money. The money goes into a pool, and then whatever tax needs to be paid from that pool is paid, and then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben's, grand is Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just left for you guys to independently pay those taxes. And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money, and Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money. So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.\n\nI know the kids are still quite young. So in ten years' time, probably not because we're looking to touch that money, but it's over ten like, ten years plus for those child bonds. Thank you for that. That's okay. I completely understand that.\n\nIt's I think I don't know. See what Ben thinks about that. I don't know what he I I know Ben's intention is oh, you go. So Yeah. No.\n\nSo how it happens is do you remember back in the day? You'd be old enough. Do you remember back in the day where you had, like, your Commonwealth Dolomites account? And you had the account that was in your name, but mom and dad mom and dad were basically the trustees of that account, and mom and dad had to sign off on everything for that money to come out? Same kind of concept.\n\nSo with the child builder, is it a very spec specific I am tripping over that word today. It's very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult, basically, trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has, and then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen.\n\nBecause with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out for ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25. So let's just say at 18, you're happy for the kids to get access to that account. The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.\n\nThe child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account, they are able to play with that money as much as they want without paying any tax on the draw withdrawings. So it the accounts are what is called tax paid after ten years. And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them. And then by the time they do get to earning age where they have a job and, you know, maybe they might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so. Nor Capital Gains.\n\nCorrect? Yes. Nor Capital Gains. Correct. Yep.\n\nYou don't have to know. So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made. But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.\n\nSounds convoluted, but it just kind of make sure you don't pay the tax. That's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account. So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is.\n\nIf you didn't put any money in, that's fine. If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah. But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again. That's all it is.\n\nIt's not the end of the world, especially when the can I ask how old are the kids? I'm actually not They're almost six and a. Six and a. Okay. Yeah.\n\nSo if you would yeah. So, I mean, look. Realistically, what a what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're willing to do.\n\nRealistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids or I I set up IDPSs and and investment accounts for my kids back when they were born. And then, you know, in the last few years, I set up a bond. With tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule.\n\nKind of a 125% rule. Sorry. Yeah. So that is just, like, some options that we can explore Yeah. Absolutely.\n\nYou know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to top the account in half. It's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted.\n\nWhether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with. Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment. The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now. But, yeah, converting that IDPS and and pushing it over to the kids from a investment point of view is not gonna work No. Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.\n\nSo, I mean, you guys are looking at our situation from the bird's eye view. What would you honestly recommend then? What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess. Unless you have an answer, then I'm more than comfortable for you to put it out there.\n\nBut what is the intention with this account, and how do you want it to be split and used for? And once you figure that out between the two of you, it'll give a really clear answer because all the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that.\n\nOr the third option is, yeah, it goes to one person over the other and there's compensation in some way. Yeah. Okay. So, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards.\n\nThe decision gets made as to what happens for that account. Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order. So that way, I guess, there's assurance for both of you that that's what the money is going to be used for. But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say let's just say one of the kids goes to or both the kids go to a private education, and they decide to pick up the trombone, and that's, like, a $4 instrument probably.\n\nYou know? And the $4 is not sitting there, and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just I guess, it's dependent on what you guys specifically want. But the money came from, I guess, Ben's family.\n\nSo whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Yeah. Sorry. The bond. Bond is not IDP.\n\nYes. But same thing. Yeah. Or whether, as I said, we it gets split in half. Half goes to Hailey.\n\nHalf goes to Ben. Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence. And it's realistically, it can be an unfair split sometimes. It can be that more assets go to one over the other. It's just the decision that has to be made in terms of what you guys are both comfortable with moving forward.\n\nYes. No. That's absolutely okay. Did you both have any questions at all with regards to the account or where you wanna, like any any questions? Well, I think as it stands, it just keeps going as is till we obviously make a decision.\n\nI mean, I do because this is recorded. I have obviously contributed to that account previously, like, for for about at least six months with individual deposits. Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that. And it can go to the kids, and that's what we agree now.\n\nBut his parents there was nothing in writing from his parents. That's just the wishes that changed that unfolded. Yeah. So Thank you. Absolutely.\n\nCan I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Yeah. That's fine. Ben, were you happy with that?\n\nPerfect. I will get that change happening tonight. Thank you. Thank you so much for both of your time. I really appreciate it.\n\nAnd I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay? Thank you. Thanks, guys.\n\nHave a good day. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":4.7999997,"end":5.12,"sentiment":"neutral","sentiment_score":0.035156793892383575},{"text":"Is this Ben?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.05232445150613785},{"text":"Yeah.","start":9.04,"end":9.28,"sentiment":"neutral","sentiment_score":0.08306322246789932},{"text":"Can you hear me okay?","start":9.28,"end":10.42,"sentiment":"neutral","sentiment_score":0.030791128799319268},{"text":"Yeah.","start":11.84,"end":12.24,"sentiment":"neutral","sentiment_score":0.25737273693084717}],"sentiment":"neutral","sentiment_score":0.062411068346012726,"num_words":11,"start":4.7999997,"end":12.24},{"sentences":[{"text":"Beautiful.","start":12.24,"end":12.74,"sentiment":"positive","sentiment_score":0.5324611663818359},{"text":"So I have spoken through Hailey's adviser.","start":13.715,"end":17.395,"sentiment":"neutral","sentiment_score":0.1208064290029662},{"text":"Now her adviser is currently on paternity leave.","start":17.395,"end":21.634998,"sentiment":"neutral","sentiment_score":0.020499576348811388},{"text":"So I've spoken to our head of advice because she knows everything in regards to Hailey's situation as well.","start":21.634998,"end":28.615,"sentiment":"neutral","sentiment_score":0.07142125266162973},{"text":"So just for clarity as well, just so we all are kind of on the same page, because what I told her as well, she was like, oh, yeah.","start":30.33,"end":36.89,"sentiment":"neutral","sentiment_score":0.1993424188474129}],"sentiment":"neutral","sentiment_score":0.13562557386467233,"num_words":64,"start":12.24,"end":36.89},{"sentences":[{"text":"That that that makes sense.","start":36.89,"end":38.51,"sentiment":"neutral","sentiment_score":0.21390056610107422},{"text":"So if you are happy with that, what I might do is I will get our head of advice, Larissa, to come in to the call now, and then we will call Hailey in as well just so that she can explain for both of you so you guys are both on the same page when it comes to the IDPS and the investment just so that everyone's getting the same information.","start":38.97,"end":61.43,"sentiment":"neutral","sentiment_score":0.19647485566222006},{"text":"Would you be comfortable with that?","start":61.57,"end":63.27,"sentiment":"neutral","sentiment_score":0.11906975507736206},{"text":"Yes.","start":73.505,"end":73.905,"sentiment":"neutral","sentiment_score":-0.03443301469087601},{"text":"So it won't be advice that we're given.","start":73.905,"end":76.065,"sentiment":"neutral","sentiment_score":-0.12456254847347736}],"sentiment":"neutral","sentiment_score":0.1619475822409858,"num_words":92,"start":36.89,"end":76.065},{"sentences":[{"text":"So the only thing that she will do so her name is Larissa, and she will just kind of explain the situation that we can't actually give you advice yet until we actually do the research and put a recommendation together.","start":76.065,"end":90.479996,"sentiment":"neutral","sentiment_score":-0.07408724743418577},{"text":"So she won't be, oh, we suggest that you do sell this or move it into this because we can't actually do that until we've done a proposal and put it all in a strategy paper.","start":91.02,"end":102.295,"sentiment":"neutral","sentiment_score":-0.14783699851897028},{"text":"So the only thing she's going to do is just like a general, okay.","start":102.515,"end":107.075,"sentiment":"neutral","sentiment_score":-0.05291849667472499},{"text":"This is where things are at at the moment, which is obviously with the consent order, and that currently stipulates that that you guys will go into the investment bond.","start":107.075,"end":118.490005,"sentiment":"neutral","sentiment_score":-0.08377384245395661},{"text":"She clarified it with Haley that we can't actually do that because we haven't given any advice in regards to that yet.","start":118.490005,"end":124.19,"sentiment":"neutral","sentiment_score":-0.25775538418780675}],"sentiment":"neutral","sentiment_score":-0.12086994245231568,"num_words":143,"start":76.065,"end":124.19},{"sentences":[{"text":"So it's we can't even say, oh, yes.","start":124.73,"end":126.89,"sentiment":"neutral","sentiment_score":-0.32892297208309174},{"text":"That is a good or bad idea because it's not even a recommendation as of yet.","start":126.89,"end":131.405,"sentiment":"negative","sentiment_score":-0.5234275832772255},{"text":"So it's a bit too early to do that.","start":131.78499,"end":133.545,"sentiment":"negative","sentiment_score":-0.37041041917271084},{"text":"Does that make sense?","start":133.545,"end":134.605,"sentiment":"neutral","sentiment_score":-0.15124142169952393},{"text":"Yes.","start":138.825,"end":139.325,"sentiment":"neutral","sentiment_score":-0.172452911734581}],"sentiment":"negative","sentiment_score":-0.3978246705312478,"num_words":38,"start":124.73,"end":139.325},{"sentences":[{"text":"Exactly.","start":143.4,"end":143.9,"sentiment":"neutral","sentiment_score":-0.168073832988739},{"text":"Which is where their confusion is because that was never given to her from my understanding.","start":144.51999,"end":150.62,"sentiment":"neutral","sentiment_score":-0.29562180070206523},{"text":"Yeah.","start":151.07999,"end":151.57999,"sentiment":"neutral","sentiment_score":0.011228453367948532},{"text":"Yes.","start":153.735,"end":154.235,"sentiment":"neutral","sentiment_score":0.05379858613014221},{"text":"Yep.","start":156.53499,"end":157.03499,"sentiment":"neutral","sentiment_score":-0.005517630837857723}],"sentiment":"neutral","sentiment_score":-0.24192566177807748,"num_words":20,"start":143.4,"end":157.03499},{"sentences":[{"text":"So if everything stays exactly the way that it is right now with you both having a fifty fifty split.","start":162.055,"end":168.36,"sentiment":"neutral","sentiment_score":0.11961706764996052},{"text":"So if nothing changes, then it will be exactly the same that when you do your tax return, any, like, income or anything from the investments will be added when you do your tax return.","start":168.36,"end":179.5,"sentiment":"neutral","sentiment_score":0.061094549298286435},{"text":"That will be obviously as per your marginal tax rate.","start":180.035,"end":182.515,"sentiment":"neutral","sentiment_score":0.04847160317003727},{"text":"And it's only when you guys sell the investment that you pay capital gains tax.","start":182.515,"end":187.655,"sentiment":"neutral","sentiment_score":-0.04142197072505951},{"text":"Correct.","start":192.035,"end":192.535,"sentiment":"neutral","sentiment_score":0.06099352985620499}],"sentiment":"neutral","sentiment_score":0.05500037751999902,"num_words":81,"start":162.055,"end":192.535},{"sentences":[{"text":"Correct.","start":192.91501,"end":193.315,"sentiment":"neutral","sentiment_score":0.08204814791679382},{"text":"Yeah.","start":193.315,"end":193.55501,"sentiment":"neutral","sentiment_score":0.06628039479255676},{"text":"So it's, like, kind of like a a get exactly.","start":193.55501,"end":196.98,"sentiment":"neutral","sentiment_score":0.03572162091732025},{"text":"So it's like if you have a bank account, you don't get taxed.","start":196.98,"end":199.54001,"sentiment":"neutral","sentiment_score":0.009732825968127985},{"text":"But say you have 50,000 on the bank account, you don't get taxed on the 50,000.","start":199.54001,"end":203.46,"sentiment":"neutral","sentiment_score":0.0013242874410934744}],"sentiment":"neutral","sentiment_score":0.015933172890871036,"num_words":41,"start":192.91501,"end":203.46},{"sentences":[{"text":"But if the interest you made was $2,000, you declare the $2,000 interest and then you pay tax on that.","start":203.46,"end":209.7,"sentiment":"neutral","sentiment_score":0.0028155752457678317},{"text":"Does that make sense?","start":209.7,"end":210.68001,"sentiment":"neutral","sentiment_score":0.007620458956807852},{"text":"Yeah.","start":212.375,"end":212.875,"sentiment":"neutral","sentiment_score":0.009474347345530989},{"text":"Yes.","start":215.735,"end":216.235,"sentiment":"neutral","sentiment_score":0.027761321514844894},{"text":"No.","start":224.62999,"end":225.03,"sentiment":"neutral","sentiment_score":-0.05397466942667961}],"sentiment":"neutral","sentiment_score":0.0025946051917142337,"num_words":27,"start":203.46,"end":225.03},{"sentences":[{"text":"So with the investment bond, it would not be taxed on your that you wouldn't have to declare it on your tax return or anything like that.","start":225.03,"end":234.73,"sentiment":"neutral","sentiment_score":-0.00958316285956513},{"text":"To move it into the investment bond, because we would have to sell the investment you currently have in the IDPS, you would then have to pay 50% of the earnings, so you'd have to pay capital gains tax on that.","start":235.80501,"end":250.065,"sentiment":"neutral","sentiment_score":0.01575914877977949},{"text":"Correct.","start":254.34,"end":254.84,"sentiment":"neutral","sentiment_score":0.020249947905540463},{"text":"And transfer it over to an investment bond.","start":255.45999,"end":257.62,"sentiment":"neutral","sentiment_score":0.03208358841948211},{"text":"Yes.","start":257.62,"end":258.12,"sentiment":"neutral","sentiment_score":0.04904942959547043}],"sentiment":"neutral","sentiment_score":0.009145484456661133,"num_words":78,"start":225.03,"end":258.12},{"sentences":[{"text":"Not for an invest not for an investment bond.","start":263.315,"end":266.115,"sentiment":"neutral","sentiment_score":-0.22407415178087023},{"text":"I don't.","start":266.115,"end":266.85498,"sentiment":"neutral","sentiment_score":-0.17634540796279907},{"text":"No.","start":273.155,"end":273.655,"sentiment":"neutral","sentiment_score":-0.0840529054403305},{"text":"Because it can be have multiple bonds.","start":274.115,"end":276.195,"sentiment":"neutral","sentiment_score":-0.06318876519799232},{"text":"So depending on what is going to be the best, it could be a matter of you having individual.","start":276.195,"end":283.95,"sentiment":"neutral","sentiment_score":-0.0017449316617689635}],"sentiment":"neutral","sentiment_score":-0.07707595119350835,"num_words":38,"start":263.315,"end":283.95},{"sentences":[{"text":"So whether you guys wanted together, set it up jointly, you can do that.","start":284.09,"end":289.47,"sentiment":"neutral","sentiment_score":0.07086666859686375},{"text":"Or if when, let's say, you if if it was that you guys decide, oh, let's just sell it, the IDPF split it, and then half of it goes to you.","start":289.77,"end":300.005,"sentiment":"neutral","sentiment_score":-0.0007509887218475342},{"text":"If you decide that you want to put that to your kids, then you can be the sole owner of it and then have it directly to your kids.","start":300.005,"end":307.44,"sentiment":"neutral","sentiment_score":0.0320480605908509},{"text":"And then whatever she decides to do with her portion, if she decides to do also investment bonds that she have control over, she can do that or whatever she wants to do.","start":307.44,"end":316.42,"sentiment":"neutral","sentiment_score":-0.031648891836856353},{"text":"I think so.","start":321.85498,"end":322.835,"sentiment":"neutral","sentiment_score":0.020933840423822403}],"sentiment":"neutral","sentiment_score":0.008333041434260932,"num_words":110,"start":284.09,"end":322.835},{"sentences":[{"text":"Just so she has the right information.","start":323.13498,"end":325.07498,"sentiment":"neutral","sentiment_score":0.12699898225920542},{"text":"Yes.","start":328.57498,"end":329.07498,"sentiment":"neutral","sentiment_score":0.04701826721429825},{"text":"Exactly.","start":331.13498,"end":331.615,"sentiment":"neutral","sentiment_score":-0.0023923940025269985},{"text":"And that's why I was like, I was when I was speaking to Larissa, I was like, this is my understanding.","start":331.615,"end":335.01,"sentiment":"neutral","sentiment_score":-0.10964268410489672},{"text":"This is where it is.","start":335.01,"end":336.15,"sentiment":"neutral","sentiment_score":-0.06529528871178628}],"sentiment":"neutral","sentiment_score":-0.048438687449587244,"num_words":35,"start":323.13498,"end":336.15},{"sentences":[{"text":"That it was put it in the consent order seemed a little bit, you know, premature in that way because we don't even know if it's I don't even know yet whether that is a recommendation that I think you should or should not do because they haven't done the research to determine that yet.","start":336.21,"end":352.965,"sentiment":"negative","sentiment_score":-0.3894990108229897},{"text":"It was Tommy, so he's currently on paternity leave.","start":356.30502,"end":360.325,"sentiment":"neutral","sentiment_score":-0.10710764014058644},{"text":"So that's why I was like, okay.","start":360.91998,"end":363.34,"sentiment":"neutral","sentiment_score":-0.1180618064744132},{"text":"Let's let's get what was that?","start":363.4,"end":366.28,"sentiment":"neutral","sentiment_score":-0.0656307606647412},{"text":"Sorry.","start":366.28,"end":366.78,"sentiment":"neutral","sentiment_score":-0.08914016932249069}],"sentiment":"neutral","sentiment_score":-0.30379194532258386,"num_words":78,"start":336.21,"end":366.78},{"sentences":[{"text":"Yep.","start":370.28,"end":370.59998,"sentiment":"neutral","sentiment_score":-0.03174595907330513},{"text":"Can you hear me?","start":370.59998,"end":371.65997,"sentiment":"neutral","sentiment_score":-0.007925302721560001},{"text":"Yep.","start":372.855,"end":373.355,"sentiment":"neutral","sentiment_score":-0.01897156238555908},{"text":"The scent sorry.","start":378.855,"end":380.135,"sentiment":"neutral","sentiment_score":-0.09316549946864446},{"text":"Because I don't have access to the Larissa yes.","start":380.135,"end":387.59,"sentiment":"neutral","sentiment_score":-0.09374013501736853}],"sentiment":"neutral","sentiment_score":-0.06697646921707524,"num_words":18,"start":370.28,"end":387.59},{"sentences":[{"text":"Sorry.","start":387.59,"end":388.07,"sentiment":"neutral","sentiment_score":-0.04873054102063179},{"text":"Larissa will have access.","start":388.07,"end":389.43,"sentiment":"neutral","sentiment_score":-0.03450315352529287},{"text":"Because of, obviously, privacy, I can't view any correspondence between them.","start":389.43,"end":393.29,"sentiment":"neutral","sentiment_score":-0.06259799409996379},{"text":"But Larissa, as head of advice, being impartial, obviously, in this situation will have access to it.","start":393.67,"end":400.905,"sentiment":"neutral","sentiment_score":0.0018122441628400016},{"text":"So she can have a look to see whether that was advice, which I don't think.","start":400.905,"end":406.265,"sentiment":"neutral","sentiment_score":-0.027070412994362414}],"sentiment":"neutral","sentiment_score":-0.02607427647679436,"num_words":49,"start":387.59,"end":406.265},{"sentences":[{"text":"I think it was just a general, hey.","start":406.265,"end":408.105,"sentiment":"neutral","sentiment_score":-0.024213475175201893},{"text":"This is a potential option.","start":408.105,"end":409.885,"sentiment":"neutral","sentiment_score":0.0026302048936486244},{"text":"But then she can clarify that with Hailey on the phone as well, and she won't provide any advice or tell you guys I think you should do x y zed.","start":410.15,"end":418.81,"sentiment":"neutral","sentiment_score":-0.07027656873387675},{"text":"It'd literally be more of a conversation of this is where things are at currently.","start":418.95,"end":423.29,"sentiment":"neutral","sentiment_score":-0.07689183553059896},{"text":"This is the situation we are looking at, and then provide kind of clarity in regards to the investment bond wasn't a recommendation.","start":423.845,"end":431.785,"sentiment":"neutral","sentiment_score":-0.023887088927237884}],"sentiment":"neutral","sentiment_score":-0.04953549982889033,"num_words":82,"start":406.265,"end":431.785},{"sentences":[{"text":"It's a potential option that we can explore.","start":432.085,"end":434.985,"sentiment":"neutral","sentiment_score":0.052394176134839654},{"text":"Does that make sense?","start":435.365,"end":436.425,"sentiment":"neutral","sentiment_score":0.029612299986183643},{"text":"Yes.","start":437.72,"end":438.22,"sentiment":"neutral","sentiment_score":0.07894164323806763},{"text":"Yeah.","start":440.19998,"end":440.69998,"sentiment":"neutral","sentiment_score":0.03431981801986694},{"text":"Yes.","start":440.84,"end":441.34,"sentiment":"neutral","sentiment_score":0.04858652502298355}],"sentiment":"neutral","sentiment_score":0.046630039686957996,"num_words":15,"start":432.085,"end":441.34},{"sentences":[{"text":"Beautiful.","start":442.28,"end":442.78,"sentiment":"neutral","sentiment_score":0.10184059292078018},{"text":"Yeah.","start":443.47998,"end":443.88,"sentiment":"neutral","sentiment_score":0.05728813260793686},{"text":"So what I'll do is I'll just quickly put you on hold, and I will get Larissa to come in.","start":443.88,"end":448.68,"sentiment":"neutral","sentiment_score":0.04908932531252504},{"text":"And she will kind of just run the meeting just so it's impartial so Hailey doesn't think I'm just advertising for you.","start":448.68,"end":454.775,"sentiment":"neutral","sentiment_score":0.010369960546747527},{"text":"And then we will call Hailey in as well into the call.","start":456.195,"end":459.475,"sentiment":"neutral","sentiment_score":-0.014623498156045875}],"sentiment":"neutral","sentiment_score":0.021313792605984157,"num_words":56,"start":442.28,"end":459.475},{"sentences":[{"text":"Okay?","start":459.475,"end":459.875,"sentiment":"neutral","sentiment_score":0.0006598122417926788},{"text":"So it'll be all four of us.","start":459.875,"end":461.655,"sentiment":"neutral","sentiment_score":0.015415008578981673},{"text":"Yep.","start":462.275,"end":462.675,"sentiment":"neutral","sentiment_score":0.14835895597934723},{"text":"Okay.","start":462.675,"end":462.995,"sentiment":"neutral","sentiment_score":0.22791120409965515},{"text":"Beautiful.","start":462.995,"end":463.475,"sentiment":"positive","sentiment_score":0.4121336936950683}],"sentiment":"neutral","sentiment_score":0.0815426114607941,"num_words":11,"start":459.475,"end":463.475},{"sentences":[{"text":"Just give me three seconds, and I will get them onto the phone for you.","start":463.475,"end":466.775,"sentiment":"neutral","sentiment_score":0.2294996718565623},{"text":"Alright.","start":467.84,"end":468.31998,"sentiment":"neutral","sentiment_score":0.20780691504478457},{"text":"Thanks, Ben.","start":468.31998,"end":469.13998,"sentiment":"neutral","sentiment_score":0.31394580006599426},{"text":"Hi, Ben.","start":516.435,"end":517.075,"sentiment":"neutral","sentiment_score":0.20161122828722},{"text":"My name is Larissa.","start":517.075,"end":517.875,"sentiment":"neutral","sentiment_score":0.1808209829032421}],"sentiment":"neutral","sentiment_score":0.22519583255052567,"num_words":24,"start":463.475,"end":517.875},{"sentences":[{"text":"How are you going?","start":517.875,"end":518.775,"sentiment":"neutral","sentiment_score":0.22600320354104042},{"text":"Yeah.","start":521.395,"end":521.875,"sentiment":"neutral","sentiment_score":0.1964336633682251},{"text":"Really good.","start":521.875,"end":522.775,"sentiment":"neutral","sentiment_score":0.32586343586444855},{"text":"So I'm the head of financial advice.","start":523.235,"end":524.755,"sentiment":"neutral","sentiment_score":0.0227221670959677},{"text":"So I'm, I guess, being a mediator between the two advices on my side and keeping your files very separated with respect to everything.","start":524.755,"end":534.9,"sentiment":"neutral","sentiment_score":0.019710356447224815}],"sentiment":"neutral","sentiment_score":0.06274413351753824,"num_words":38,"start":517.875,"end":534.9},{"sentences":[{"text":"Now with your permission, what I wanna do is obviously bring Hailey in.","start":535.76,"end":539.60004,"sentiment":"neutral","sentiment_score":0.07764203044084403},{"text":"I have given her a heads up that we were giving her a call and then just have a very general conversation with both of you.","start":539.60004,"end":548.245,"sentiment":"neutral","sentiment_score":0.10347430938138412},{"text":"I am not intimately aware of either of your files, so there's not gonna be any breach of privacy on either either side.","start":548.465,"end":555.42505,"sentiment":"neutral","sentiment_score":-0.0842670288098895},{"text":"It's just gonna be very much a plain and simple general conversation.","start":555.42505,"end":558.49,"sentiment":"neutral","sentiment_score":0.08563247369602323},{"text":"K?","start":558.87,"end":559.37,"sentiment":"neutral","sentiment_score":0.01836230605840683}],"sentiment":"neutral","sentiment_score":0.037433183565735814,"num_words":75,"start":535.76,"end":559.37},{"sentences":[{"text":"Yeah.","start":564.87,"end":565.37,"sentiment":"neutral","sentiment_score":0.05782563239336014},{"text":"Absolutely.","start":565.99,"end":566.49,"sentiment":"neutral","sentiment_score":0.2382468432188034},{"text":"Yep.","start":566.95,"end":567.45,"sentiment":"neutral","sentiment_score":0.09204521030187608},{"text":"No Chinese whispers.","start":567.51,"end":568.55,"sentiment":"neutral","sentiment_score":-0.013188625375429789},{"text":"We'll just go from there.","start":568.55,"end":570.17,"sentiment":"neutral","sentiment_score":0.034577973559498786}],"sentiment":"neutral","sentiment_score":0.047403788871385834,"num_words":11,"start":564.87,"end":570.17},{"sentences":[{"text":"Cool.","start":571.075,"end":571.47504,"sentiment":"positive","sentiment_score":0.6008093357086182},{"text":"Alright.","start":571.47504,"end":571.795,"sentiment":"neutral","sentiment_score":0.2696931064128876},{"text":"Give me one second, and what I'll do is I will give her a call, and we'll go from there.","start":571.795,"end":576.055,"sentiment":"neutral","sentiment_score":0.20363596603274345},{"text":"Not a problem.","start":578.03503,"end":578.855,"sentiment":"neutral","sentiment_score":0.28350095450878143},{"text":"Alright.","start":673.71,"end":674.19,"sentiment":"neutral","sentiment_score":0.14173303544521332}],"sentiment":"neutral","sentiment_score":0.22828683314415124,"num_words":26,"start":571.075,"end":674.19},{"sentences":[{"text":"Ben and Hailey, you're on the line.","start":674.19,"end":675.63,"sentiment":"neutral","sentiment_score":0.14635320433548518},{"text":"Larissa and Veronica here on this side.","start":675.63,"end":677.65,"sentiment":"neutral","sentiment_score":0.11408723358597074},{"text":"Okay.","start":678.43,"end":678.93,"sentiment":"neutral","sentiment_score":0.12027916312217712},{"text":"Perfect.","start":679.95,"end":680.45,"sentiment":"positive","sentiment_score":0.4485699534416199},{"text":"So what I wanted to, I guess, talk about was the the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names.","start":680.91,"end":692.595,"sentiment":"neutral","sentiment_score":0.06163200684305695}],"sentiment":"neutral","sentiment_score":0.08866700823776998,"num_words":52,"start":674.19,"end":692.595},{"sentences":[{"text":"Now as it currently stands, we are 5050% owners.","start":692.975,"end":697.82996,"sentiment":"neutral","sentiment_score":0.0566759312318431},{"text":"Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only.","start":698.45,"end":708.95,"sentiment":"neutral","sentiment_score":-0.07715425325127748},{"text":"Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward.","start":710.155,"end":723.755,"sentiment":"neutral","sentiment_score":-0.05348857425344296},{"text":"Is that correct?","start":723.755,"end":724.655,"sentiment":"neutral","sentiment_score":0.03428445880611738},{"text":"Not really.","start":726.53,"end":727.51,"sentiment":"neutral","sentiment_score":-0.1511776298284531}],"sentiment":"neutral","sentiment_score":-0.047866879526195644,"num_words":79,"start":692.975,"end":727.51},{"sentences":[{"text":"Okay.","start":728.85004,"end":729.35004,"sentiment":"neutral","sentiment_score":0.19633466005325317},{"text":"And I I'm more than happy for you to clarify.","start":730.29004,"end":732.23,"sentiment":"positive","sentiment_score":0.6405146896839142},{"text":"Yeah.","start":733.49,"end":733.89,"sentiment":"neutral","sentiment_score":-0.029120242223143578},{"text":"From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names.","start":733.89,"end":755.81,"sentiment":"neutral","sentiment_score":0.15297769910909914},{"text":"However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names for tax purposes with us as the managers of it.","start":755.81,"end":769.59,"sentiment":"neutral","sentiment_score":0.14303617773426547}],"sentiment":"neutral","sentiment_score":0.1949853205945916,"num_words":104,"start":728.85004,"end":769.59},{"sentences":[{"text":"And after that, we haven't really come up to yeah.","start":771.105,"end":774.545,"sentiment":"neutral","sentiment_score":-0.0793894350528717},{"text":"We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that.","start":774.545,"end":780.625,"sentiment":"neutral","sentiment_score":-0.16299416087567806},{"text":"There hasn't been a full on discussion about that.","start":780.625,"end":783.52,"sentiment":"neutral","sentiment_score":-0.2848670714431339},{"text":"It was just my proposal.","start":783.52,"end":784.82,"sentiment":"neutral","sentiment_score":-0.1659626007080078},{"text":"And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes.","start":785.92,"end":799.475,"sentiment":"neutral","sentiment_score":-0.2278835853934288}],"sentiment":"neutral","sentiment_score":-0.1904997659334238,"num_words":69,"start":771.105,"end":799.475},{"sentences":[{"text":"Yep.","start":800.895,"end":801.395,"sentiment":"neutral","sentiment_score":0.0763683170080185},{"text":"That was that has been relayed to Ben.","start":801.855,"end":804.675,"sentiment":"neutral","sentiment_score":0.12683611270040274},{"text":"Whether I don't know.","start":806.895,"end":808.36005,"sentiment":"neutral","sentiment_score":-0.062392507679760456},{"text":"He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay.","start":808.36005,"end":814.30005,"sentiment":"neutral","sentiment_score":0.00611345994878899},{"text":"But that's kind of what I at least thought we were progressing towards.","start":814.92004,"end":822.46,"sentiment":"positive","sentiment_score":0.3402305623659721}],"sentiment":"neutral","sentiment_score":0.11247876286506653,"num_words":48,"start":800.895,"end":822.46},{"sentences":[{"text":"So from from a from a general perspective only, with the account as it currently stands, 5050% ownership.","start":825.01495,"end":833.115,"sentiment":"neutral","sentiment_score":0.1426157814761003},{"text":"Yeah.","start":833.57495,"end":833.975,"sentiment":"neutral","sentiment_score":0.15508292615413666},{"text":"If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then for, like, for example, sake, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT.","start":833.975,"end":859.47504,"sentiment":"neutral","sentiment_score":0.10656480979302833},{"text":"Oh, I get that for now.","start":860.13995,"end":861.5,"sentiment":"neutral","sentiment_score":0.21671773989995322},{"text":"Like, once that happens, that's understandable.","start":861.5,"end":863.6,"sentiment":"neutral","sentiment_score":0.28813178340593976}],"sentiment":"neutral","sentiment_score":0.1340676752871342,"num_words":89,"start":825.01495,"end":863.6},{"sentences":[{"text":"Yes.","start":863.82,"end":864.13995,"sentiment":"positive","sentiment_score":0.4236977994441986},{"text":"It's just for long term moving forward.","start":864.13995,"end":866.24,"sentiment":"positive","sentiment_score":0.45561998231070383},{"text":"Yeah.","start":866.77997,"end":867.27997,"sentiment":"neutral","sentiment_score":-0.056161068379879},{"text":"So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be.","start":868.69995,"end":898.53,"sentiment":"neutral","sentiment_score":0.06499472873497612},{"text":"The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after.","start":899.15,"end":909.515,"sentiment":"neutral","sentiment_score":0.0038969655605879698}],"sentiment":"neutral","sentiment_score":0.07979266745122997,"num_words":110,"start":863.82,"end":909.515},{"sentences":[{"text":"It just needs to be Yeah.","start":909.515,"end":910.995,"sentiment":"neutral","sentiment_score":0.09239622578024864},{"text":"I guess, directed to what's actually the intention with the account.","start":911.195,"end":915.435,"sentiment":"neutral","sentiment_score":0.07486327940767462},{"text":"And I under well, correct.","start":915.435,"end":917.01,"sentiment":"neutral","sentiment_score":0.14555348306894303},{"text":"Based on what Hailey just said, the intention is for that money to be for the kids.","start":917.01,"end":921.01,"sentiment":"neutral","sentiment_score":0.22107530516736648},{"text":"Is that correct, Sam?","start":921.01,"end":922.14996,"sentiment":"neutral","sentiment_score":0.11994507350027561}],"sentiment":"neutral","sentiment_score":0.1475279377989991,"num_words":43,"start":909.515,"end":922.14996},{"sentences":[{"text":"Yeah.","start":924.93,"end":925.43,"sentiment":"neutral","sentiment_score":0.17893396317958832},{"text":"So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser.","start":926.76996,"end":931.335,"sentiment":"neutral","sentiment_score":0.06414587642340099},{"text":"He's actually on paternity leave right now.","start":931.335,"end":933.41504,"sentiment":"neutral","sentiment_score":0.043569322143282206},{"text":"We just had a little girl himself.","start":933.41504,"end":934.875,"sentiment":"neutral","sentiment_score":0.08102929272821971},{"text":"But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond.","start":936.93506,"end":956.29004,"sentiment":"neutral","sentiment_score":0.06778773712907352}],"sentiment":"neutral","sentiment_score":0.06745516578386347,"num_words":83,"start":924.93,"end":956.29004},{"sentences":[{"text":"And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid.","start":957.195,"end":965.695,"sentiment":"neutral","sentiment_score":0.000693896542424741},{"text":"And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons.","start":967.835,"end":986.20996,"sentiment":"neutral","sentiment_score":-0.0430672587826848},{"text":"So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account.","start":988.515,"end":1007.55,"sentiment":"neutral","sentiment_score":0.16920722894511134},{"text":"50% goes to each of you.","start":1007.76996,"end":1009.52997,"sentiment":"neutral","sentiment_score":0.3040899336338043},{"text":"Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in.","start":1009.52997,"end":1019.395,"sentiment":"neutral","sentiment_score":0.09176044571010963}],"sentiment":"neutral","sentiment_score":0.07721573969927327,"num_words":145,"start":957.195,"end":1019.395},{"sentences":[{"text":"So for to to explain that, I guess, is that you could liquidate the money.","start":1019.775,"end":1024.575,"sentiment":"neutral","sentiment_score":0.022612961009144783},{"text":"The money goes into a pool, and then whatever tax needs to be paid from that pool is paid, and then whatever's left over post the pay of tax is split fifty fifty.","start":1024.575,"end":1036.3,"sentiment":"neutral","sentiment_score":0.024168864259439888},{"text":"Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben's, grand is Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just left for you guys to independently pay those taxes.","start":1036.92,"end":1052.805,"sentiment":"neutral","sentiment_score":0.04988922722929833},{"text":"And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money, and Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money.","start":1053.745,"end":1066.5,"sentiment":"positive","sentiment_score":0.3648339856002066},{"text":"So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.","start":1066.5,"end":1078.7051,"sentiment":"neutral","sentiment_score":0.1838983773537304}],"sentiment":"neutral","sentiment_score":0.15030511702459895,"num_words":190,"start":1019.775,"end":1078.7051},{"sentences":[{"text":"I know the kids are still quite young.","start":1078.7051,"end":1080.965,"sentiment":"neutral","sentiment_score":-0.04390374943614006},{"text":"So in ten years' time, probably not because we're looking to touch that money, but it's over ten like, ten years plus for those child bonds.","start":1081.025,"end":1088.9501,"sentiment":"neutral","sentiment_score":-0.013858366757631302},{"text":"Thank you for that.","start":1093.17,"end":1094.7101,"sentiment":"positive","sentiment_score":0.5705748945474625},{"text":"That's okay.","start":1095.49,"end":1096.29,"sentiment":"positive","sentiment_score":0.3466145992279053},{"text":"I completely understand that.","start":1096.29,"end":1097.73,"sentiment":"neutral","sentiment_score":0.13926215656101704}],"sentiment":"neutral","sentiment_score":0.06411431526595895,"num_words":44,"start":1078.7051,"end":1097.73},{"sentences":[{"text":"It's I think I don't know.","start":1097.73,"end":1101.115,"sentiment":"neutral","sentiment_score":-0.12539751082658768},{"text":"See what Ben thinks about that.","start":1101.115,"end":1103.455,"sentiment":"neutral","sentiment_score":-0.15677779664595923},{"text":"I don't know what he I I know Ben's intention is oh, you go.","start":1104.155,"end":1108.975,"sentiment":"neutral","sentiment_score":-0.10574152932635375},{"text":"So Yeah.","start":1112.25,"end":1118.35,"sentiment":"neutral","sentiment_score":-0.036833012476563454},{"text":"No.","start":1119.21,"end":1119.61,"sentiment":"neutral","sentiment_score":-0.08173686265945435}],"sentiment":"neutral","sentiment_score":-0.11478745320747638,"num_words":29,"start":1097.73,"end":1119.61},{"sentences":[{"text":"So how it happens is do you remember back in the day?","start":1119.61,"end":1123.29,"sentiment":"neutral","sentiment_score":-0.033340060307333864},{"text":"You'd be old enough.","start":1123.29,"end":1124.59,"sentiment":"neutral","sentiment_score":-0.08942820131778717},{"text":"Do you remember back in the day where you had, like, your Commonwealth Dolomites account?","start":1124.81,"end":1130.1951,"sentiment":"neutral","sentiment_score":-0.010789997192720573},{"text":"And you had the account that was in your name, but mom and dad mom and dad were basically the trustees of that account, and mom and dad had to sign off on everything for that money to come out?","start":1130.655,"end":1142.995,"sentiment":"neutral","sentiment_score":-0.02040264932438731},{"text":"Same kind of concept.","start":1144.03,"end":1145.23,"sentiment":"neutral","sentiment_score":-0.056597158312797546}],"sentiment":"neutral","sentiment_score":-0.02616184124102195,"num_words":75,"start":1119.61,"end":1145.23},{"sentences":[{"text":"So with the child builder, is it a very spec specific I am tripping over that word today.","start":1145.23,"end":1155.01,"sentiment":"neutral","sentiment_score":-0.031168801503049},{"text":"It's very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult, basically, trustee for that account.","start":1155.0701,"end":1167.2151,"sentiment":"neutral","sentiment_score":0.029333663173019886},{"text":"So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice.","start":1167.515,"end":1179.96,"sentiment":"neutral","sentiment_score":-0.013946602047470055},{"text":"It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has, and then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has.","start":1180.34,"end":1198.215,"sentiment":"neutral","sentiment_score":0.14881076904780724},{"text":"In that way, they're separate and whatever needs to happen with those accounts happen.","start":1198.995,"end":1202.9349,"sentiment":"neutral","sentiment_score":0.09980529280645507}],"sentiment":"neutral","sentiment_score":0.06729408919567331,"num_words":168,"start":1145.23,"end":1202.9349},{"sentences":[{"text":"Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money.","start":1203.21,"end":1211.63,"sentiment":"neutral","sentiment_score":0.1100846652103507},{"text":"However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income.","start":1212.73,"end":1223.5449,"sentiment":"neutral","sentiment_score":-0.17627803082851803},{"text":"But if you see out for ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start":1224.6449,"end":1238.9199,"sentiment":"neutral","sentiment_score":0.08178714160685954},{"text":"So let's just say at 18, you're happy for the kids to get access to that account.","start":1239.14,"end":1243.0599,"sentiment":"positive","sentiment_score":0.632217279251884},{"text":"The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.","start":1243.0599,"end":1253.385,"sentiment":"positive","sentiment_score":0.43248905420303346}],"sentiment":"neutral","sentiment_score":0.1507629163306335,"num_words":145,"start":1203.21,"end":1253.385},{"sentences":[{"text":"The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account, they are able to play with that money as much as they want without paying any tax on the draw withdrawings.","start":1253.6849,"end":1268.38,"sentiment":"positive","sentiment_score":0.5594951844877667},{"text":"So it the accounts are what is called tax paid after ten years.","start":1269.495,"end":1276.555,"sentiment":"neutral","sentiment_score":0.07799713256267402},{"text":"And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them.","start":1277.015,"end":1290.3201,"sentiment":"neutral","sentiment_score":0.28207197116735655},{"text":"And then by the time they do get to earning age where they have a job and, you know, maybe they might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so.","start":1290.38,"end":1315.98,"sentiment":"positive","sentiment_score":0.4459282611222828},{"text":"Nor Capital Gains.","start":1317.4199,"end":1318.22,"sentiment":"neutral","sentiment_score":-0.018075625412166122}],"sentiment":"positive","sentiment_score":0.4056309633510741,"num_words":185,"start":1253.6849,"end":1318.22},{"sentences":[{"text":"Correct?","start":1318.22,"end":1318.62,"sentiment":"neutral","sentiment_score":0.00995435006916523},{"text":"Yes.","start":1318.62,"end":1318.78,"sentiment":"neutral","sentiment_score":0.06701917201280594},{"text":"Nor Capital Gains.","start":1318.78,"end":1319.58,"sentiment":"neutral","sentiment_score":0.020654709388812382},{"text":"Correct.","start":1319.58,"end":1320.0599,"sentiment":"neutral","sentiment_score":0.07061553746461868},{"text":"Yep.","start":1320.0599,"end":1320.5599,"sentiment":"neutral","sentiment_score":0.08949866145849228}],"sentiment":"neutral","sentiment_score":0.042721692738788467,"num_words":7,"start":1318.22,"end":1320.5599},{"sentences":[{"text":"You don't have to know.","start":1327.5,"end":1328.78,"sentiment":"neutral","sentiment_score":0.04001785181462765},{"text":"So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond.","start":1328.78,"end":1351.61,"sentiment":"neutral","sentiment_score":0.11575358295649812},{"text":"There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made.","start":1351.75,"end":1358.01,"sentiment":"neutral","sentiment_score":0.08387110155561696},{"text":"But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50.","start":1358.625,"end":1366.005,"sentiment":"neutral","sentiment_score":0.07834044183519753},{"text":"So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.","start":1366.0651,"end":1371.665,"sentiment":"neutral","sentiment_score":0.10097840667835303}],"sentiment":"neutral","sentiment_score":0.09835528837585891,"num_words":135,"start":1327.5,"end":1371.665},{"sentences":[{"text":"Sounds convoluted, but it just kind of make sure you don't pay the tax.","start":1371.665,"end":1376.12,"sentiment":"negative","sentiment_score":-0.35630407822983606},{"text":"That's what we we're trying to avoid.","start":1376.12,"end":1377.66,"sentiment":"neutral","sentiment_score":-0.24018435180187225},{"text":"And then you're allowed to put up to a 125% of the previous year's contributions into the account.","start":1378.6,"end":1385.34,"sentiment":"neutral","sentiment_score":0.14797681445876756},{"text":"So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month.","start":1385.64,"end":1393.3351,"sentiment":"neutral","sentiment_score":0.2072821597640331},{"text":"Year three, that becomes whatever that number is.","start":1393.395,"end":1396.535,"sentiment":"neutral","sentiment_score":0.2346900012344122}],"sentiment":"neutral","sentiment_score":0.04466974337215293,"num_words":73,"start":1371.665,"end":1396.535},{"sentences":[{"text":"If you didn't put any money in, that's fine.","start":1399.555,"end":1401.895,"sentiment":"neutral","sentiment_score":0.0928591357337104},{"text":"If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop.","start":1402.035,"end":1410.73,"sentiment":"neutral","sentiment_score":-0.05858054892583327},{"text":"Yeah.","start":1410.73,"end":1411.13,"sentiment":"neutral","sentiment_score":0.07665017247200012},{"text":"But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again.","start":1411.13,"end":1422.085,"sentiment":"neutral","sentiment_score":-0.18456784584398928},{"text":"That's all it is.","start":1422.145,"end":1423.265,"sentiment":"neutral","sentiment_score":-0.16348975896835327}],"sentiment":"neutral","sentiment_score":-0.09246318797139745,"num_words":76,"start":1399.555,"end":1423.265},{"sentences":[{"text":"It's not the end of the world, especially when the can I ask how old are the kids?","start":1423.265,"end":1427.6849,"sentiment":"neutral","sentiment_score":-0.29882303542561},{"text":"I'm actually not They're almost six and a.","start":1427.825,"end":1430.325,"sentiment":"neutral","sentiment_score":-0.14210320357233286},{"text":"Six and a.","start":1430.945,"end":1431.505,"sentiment":"neutral","sentiment_score":-0.07918722927570343},{"text":"Okay.","start":1431.505,"end":1431.825,"sentiment":"neutral","sentiment_score":0.0033864155411720276},{"text":"Yeah.","start":1431.825,"end":1432.065,"sentiment":"neutral","sentiment_score":0.015901625156402588}],"sentiment":"neutral","sentiment_score":-0.2172230294635219,"num_words":31,"start":1423.265,"end":1432.065},{"sentences":[{"text":"So if you would yeah.","start":1432.065,"end":1433.0249,"sentiment":"neutral","sentiment_score":-0.005340783298015595},{"text":"So, I mean, look.","start":1433.0249,"end":1434.15,"sentiment":"neutral","sentiment_score":-0.0111619271337986},{"text":"Realistically, what a what what parent wants their 18 year old to have access to that much money?","start":1434.15,"end":1438.4701,"sentiment":"neutral","sentiment_score":-0.11795927004681693},{"text":"But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it.","start":1438.4701,"end":1453.055,"sentiment":"neutral","sentiment_score":-0.141272959521129},{"text":"So it's just dependent on what you're willing to do.","start":1453.675,"end":1455.435,"sentiment":"neutral","sentiment_score":-0.11635512113571167}],"sentiment":"neutral","sentiment_score":-0.11761562021661408,"num_words":79,"start":1432.065,"end":1455.435},{"sentences":[{"text":"Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids or I I set up IDPSs and and investment accounts for my kids back when they were born.","start":1455.435,"end":1465.9401,"sentiment":"neutral","sentiment_score":0.05823313726766689},{"text":"And then, you know, in the last few years, I set up a bond.","start":1466.8,"end":1469.46,"sentiment":"neutral","sentiment_score":0.010348941997757979},{"text":"With tax time, sometimes, you know, where I I sold assets, I've just set up another bond.","start":1470.4,"end":1476.58,"sentiment":"neutral","sentiment_score":-0.03768536755267311},{"text":"So out of my three children, I actually have six bonds.","start":1477.085,"end":1479.8251,"sentiment":"neutral","sentiment_score":-0.007047883150252429},{"text":"And that's just because I didn't wanna exceed that hundred and twenty five year rule.","start":1482.045,"end":1485.345,"sentiment":"neutral","sentiment_score":-0.18106560657421747}],"sentiment":"neutral","sentiment_score":-0.012070753136055266,"num_words":94,"start":1455.435,"end":1485.345},{"sentences":[{"text":"Kind of a 125% rule.","start":1487.405,"end":1489.005,"sentiment":"neutral","sentiment_score":-0.10960604697465896},{"text":"Sorry.","start":1489.005,"end":1489.505,"sentiment":"neutral","sentiment_score":-0.09345591068267822},{"text":"Yeah.","start":1491.93,"end":1492.17,"sentiment":"neutral","sentiment_score":-0.009883660823106766},{"text":"So that is just, like, some options that we can explore Yeah.","start":1492.17,"end":1495.53,"sentiment":"neutral","sentiment_score":0.06725166862209637},{"text":"Absolutely.","start":1495.53,"end":1495.81,"sentiment":"neutral","sentiment_score":0.2333296090364456}],"sentiment":"neutral","sentiment_score":0.019448991306126116,"num_words":20,"start":1487.405,"end":1495.81},{"sentences":[{"text":"You know, once we know.","start":1496.09,"end":1497.53,"sentiment":"neutral","sentiment_score":0.045442890375852585},{"text":"It all just depends on what you guys do with the account now under the consent orders.","start":1497.53,"end":1502.27,"sentiment":"neutral","sentiment_score":-0.04763403271927553},{"text":"Whether under the consent orders, you guys are making the decision to top the account in half.","start":1502.49,"end":1509.625,"sentiment":"neutral","sentiment_score":-0.20136888588176055},{"text":"It's getting liquidated.","start":1509.925,"end":1511.0651,"sentiment":"neutral","sentiment_score":-0.26112763086954754},{"text":"Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted.","start":1511.525,"end":1517.145,"sentiment":"neutral","sentiment_score":-0.14440962401303378}],"sentiment":"neutral","sentiment_score":-0.12447234039427713,"num_words":64,"start":1496.09,"end":1517.145},{"sentences":[{"text":"Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with.","start":1517.685,"end":1532.9,"sentiment":"neutral","sentiment_score":-0.21195232247312865},{"text":"Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment.","start":1533.735,"end":1541.355,"sentiment":"negative","sentiment_score":-0.5289777219295502},{"text":"The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now.","start":1542.295,"end":1549.95,"sentiment":"neutral","sentiment_score":-0.3134766000509262},{"text":"But, yeah, converting that IDPS and and pushing it over to the kids from a investment point of view is not gonna work No.","start":1549.95,"end":1556.83,"sentiment":"neutral","sentiment_score":-0.2897010153780381},{"text":"Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.","start":1556.9099,"end":1561.01,"sentiment":"negative","sentiment_score":-0.5128926946358248}],"sentiment":"negative","sentiment_score":-0.354191813646382,"num_words":131,"start":1517.685,"end":1561.01},{"sentences":[{"text":"So, I mean, you guys are looking at our situation from the bird's eye view.","start":1563.7949,"end":1568.4349,"sentiment":"neutral","sentiment_score":-0.11133142908414205},{"text":"What would you honestly recommend then?","start":1568.4349,"end":1570.615,"sentiment":"neutral","sentiment_score":-0.026450730860233307},{"text":"What is okay.","start":1572.275,"end":1573.395,"sentiment":"neutral","sentiment_score":0.0817965641617775},{"text":"So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess.","start":1573.395,"end":1579.33,"sentiment":"neutral","sentiment_score":-0.10319844484329224},{"text":"Unless you have an answer, then I'm more than comfortable for you to put it out there.","start":1579.33,"end":1582.5499,"sentiment":"neutral","sentiment_score":-0.14179719327127233}],"sentiment":"neutral","sentiment_score":-0.09960302326715353,"num_words":66,"start":1563.7949,"end":1582.5499},{"sentences":[{"text":"But what is the intention with this account, and how do you want it to be split and used for?","start":1582.61,"end":1589.11,"sentiment":"neutral","sentiment_score":0.09578204415738582},{"text":"And once you figure that out between the two of you, it'll give a really clear answer because all the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide.","start":1591.7351,"end":1627.465,"sentiment":"neutral","sentiment_score":0.0020190825634593262},{"text":"That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it.","start":1627.6849,"end":1636.51,"sentiment":"neutral","sentiment_score":0.046018838374452156},{"text":"And there are a couple of options with liquidating it.","start":1636.65,"end":1638.89,"sentiment":"neutral","sentiment_score":0.0774417646229267},{"text":"Just depends on how you guys wanna do that.","start":1638.89,"end":1641.31,"sentiment":"neutral","sentiment_score":0.07706428070863088}],"sentiment":"neutral","sentiment_score":0.027153714702409855,"num_words":170,"start":1582.61,"end":1641.31},{"sentences":[{"text":"Or the third option is, yeah, it goes to one person over the other and there's compensation in some way.","start":1641.61,"end":1648.925,"sentiment":"neutral","sentiment_score":0.019907596451230348},{"text":"Yeah.","start":1660.68,"end":1661.18,"sentiment":"positive","sentiment_score":0.35451507568359375},{"text":"Okay.","start":1703.7,"end":1704.2,"sentiment":"neutral","sentiment_score":0.1273428052663803},{"text":"So, yeah, it's it it now it then comes down to how you guys wanna split that account.","start":1705.38,"end":1711.46,"sentiment":"neutral","sentiment_score":0.07074248418211937},{"text":"So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards.","start":1711.46,"end":1725.0651,"sentiment":"neutral","sentiment_score":0.10429974623462733}],"sentiment":"neutral","sentiment_score":0.07702116077337917,"num_words":74,"start":1641.61,"end":1725.0651},{"sentences":[{"text":"The decision gets made as to what happens for that account.","start":1726.245,"end":1731.29,"sentiment":"neutral","sentiment_score":0.17590084807439285},{"text":"Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.","start":1731.29,"end":1750.625,"sentiment":"neutral","sentiment_score":0.19920445531606673},{"text":"So that way, I guess, there's assurance for both of you that that's what the money is going to be used for.","start":1750.625,"end":1756.885,"sentiment":"positive","sentiment_score":0.3416328443722291},{"text":"But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future.","start":1757.985,"end":1774.755,"sentiment":"neutral","sentiment_score":0.013805618602782488},{"text":"So, for example, say let's just say one of the kids goes to or both the kids go to a private education, and they decide to pick up the trombone, and that's, like, a $4 instrument probably.","start":1774.755,"end":1785.1749,"sentiment":"neutral","sentiment_score":0.09059283660875785}],"sentiment":"neutral","sentiment_score":0.13801418005999538,"num_words":155,"start":1726.245,"end":1785.1749},{"sentences":[{"text":"You know?","start":1786.74,"end":1786.98,"sentiment":"neutral","sentiment_score":-0.023665226995944977},{"text":"And the $4 is not sitting there, and money needs to be accessed to to fund that.","start":1786.98,"end":1791.32,"sentiment":"neutral","sentiment_score":-0.176035934511353},{"text":"That can be withdrawn from the child bond.","start":1791.46,"end":1793.96,"sentiment":"neutral","sentiment_score":-0.09293336095288396},{"text":"It's just I guess, it's dependent on what you guys specifically want.","start":1795.54,"end":1799.38,"sentiment":"neutral","sentiment_score":-0.074931719340384},{"text":"But the money came from, I guess, Ben's family.","start":1799.38,"end":1802.215,"sentiment":"neutral","sentiment_score":-0.05202352214190695}],"sentiment":"neutral","sentiment_score":-0.10730834499311943,"num_words":48,"start":1786.74,"end":1802.215},{"sentences":[{"text":"So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner.","start":1802.215,"end":1811.275,"sentiment":"neutral","sentiment_score":0.019053862268186134},{"text":"Yeah.","start":1814.8999,"end":1815.0599,"sentiment":"neutral","sentiment_score":-0.019067957997322083},{"text":"Sorry.","start":1815.0599,"end":1815.38,"sentiment":"neutral","sentiment_score":-0.06751646846532822},{"text":"The bond.","start":1815.38,"end":1816.12,"sentiment":"neutral","sentiment_score":-0.07168075442314148},{"text":"Bond is not IDP.","start":1816.1799,"end":1816.98,"sentiment":"neutral","sentiment_score":-0.09075527265667915}],"sentiment":"neutral","sentiment_score":-0.004991232057011897,"num_words":31,"start":1802.215,"end":1816.98},{"sentences":[{"text":"Yes.","start":1816.98,"end":1817.14,"sentiment":"neutral","sentiment_score":-0.03773583099246025},{"text":"But same thing.","start":1817.14,"end":1817.96,"sentiment":"neutral","sentiment_score":-0.03795849407712618},{"text":"Yeah.","start":1819.38,"end":1819.88,"sentiment":"neutral","sentiment_score":-0.02894582226872444},{"text":"Or whether, as I said, we it gets split in half.","start":1820.34,"end":1823.5599,"sentiment":"neutral","sentiment_score":-0.05296382274140011},{"text":"Half goes to Hailey.","start":1823.86,"end":1824.74,"sentiment":"neutral","sentiment_score":-0.013170130085200071}],"sentiment":"neutral","sentiment_score":-0.04079198529943824,"num_words":20,"start":1816.98,"end":1824.74},{"sentences":[{"text":"Half goes to Ben.","start":1824.74,"end":1825.88,"sentiment":"neutral","sentiment_score":-0.028146877884864807},{"text":"Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence.","start":1825.94,"end":1837.055,"sentiment":"neutral","sentiment_score":-0.1961456531037887},{"text":"And it's realistically, it can be an unfair split sometimes.","start":1837.3551,"end":1841.435,"sentiment":"neutral","sentiment_score":-0.2910536974668503},{"text":"It can be that more assets go to one over the other.","start":1841.435,"end":1843.995,"sentiment":"neutral","sentiment_score":-0.22900326922535896},{"text":"It's just the decision that has to be made in terms of what you guys are both comfortable with moving forward.","start":1843.995,"end":1852.23,"sentiment":"neutral","sentiment_score":-0.09772121941759473}],"sentiment":"neutral","sentiment_score":-0.17933196188455605,"num_words":83,"start":1824.74,"end":1852.23},{"sentences":[{"text":"Yes.","start":1863.665,"end":1864.165,"sentiment":"neutral","sentiment_score":0.20348896086215973},{"text":"No.","start":1864.305,"end":1864.4651,"sentiment":"neutral","sentiment_score":0.129429429769516},{"text":"That's absolutely okay.","start":1864.4651,"end":1865.525,"sentiment":"positive","sentiment_score":0.33402283986409503},{"text":"Did you both have any questions at all with regards to the account or where you wanna, like any any questions?","start":1866.545,"end":1874.16,"sentiment":"neutral","sentiment_score":0.11366668201628186},{"text":"Well, I think as it stands, it just keeps going as is till we obviously make a decision.","start":1875.5,"end":1880.7201,"sentiment":"neutral","sentiment_score":-0.30809369931618374}],"sentiment":"neutral","sentiment_score":-0.041447712616486984,"num_words":44,"start":1863.665,"end":1880.7201},{"sentences":[{"text":"I mean, I do because this is recorded.","start":1882.54,"end":1884.4801,"sentiment":"neutral","sentiment_score":-0.004472006112337112},{"text":"I have obviously contributed to that account previously, like, for for about at least six months with individual deposits.","start":1885.365,"end":1892.885,"sentiment":"neutral","sentiment_score":-0.006908591836690903},{"text":"Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off.","start":1892.885,"end":1900.005,"sentiment":"neutral","sentiment_score":-0.1979428106546402},{"text":"But as Ben said, he wanted it changed, and I respect that.","start":1900.005,"end":1904.92,"sentiment":"neutral","sentiment_score":0.1872259515027205},{"text":"And it can go to the kids, and that's what we agree now.","start":1904.92,"end":1907.4801,"sentiment":"neutral","sentiment_score":0.26762814132066876}],"sentiment":"neutral","sentiment_score":0.007925554481032607,"num_words":77,"start":1882.54,"end":1907.4801},{"sentences":[{"text":"But his parents there was nothing in writing from his parents.","start":1907.4801,"end":1911.4801,"sentiment":"neutral","sentiment_score":-0.24634209139780563},{"text":"That's just the wishes that changed that unfolded.","start":1911.4801,"end":1913.8201,"sentiment":"neutral","sentiment_score":-0.18496954441070557},{"text":"Yeah.","start":1916.9551,"end":1917.4551,"sentiment":"neutral","sentiment_score":0.01801380142569542},{"text":"So Thank 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time.","start":1970.915,"end":1972.515,"sentiment":"positive","sentiment_score":0.7218043539259169},{"text":"I really appreciate it.","start":1972.515,"end":1973.895,"sentiment":"positive","sentiment_score":0.7736226171255112}],"sentiment":"positive","sentiment_score":0.6891236927198328,"num_words":23,"start":1966.34,"end":1973.895},{"sentences":[{"text":"And I will leave everything for the your two advisers to discuss with you guys independently.","start":1973.9551,"end":1978.295,"sentiment":"positive","sentiment_score":0.4441530741751194},{"text":"And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that.","start":1978.915,"end":1985.6699,"sentiment":"positive","sentiment_score":0.4403844749927521},{"text":"Okay?","start":1985.6699,"end":1986.1699,"sentiment":"neutral","sentiment_score":0.2669343650341034},{"text":"Thank you.","start":1986.87,"end":1987.69,"sentiment":"positive","sentiment_score":0.4834758788347244},{"text":"Thanks, guys.","start":1988.7899,"end":1989.51,"sentiment":"positive","sentiment_score":0.5776931643486023}],"sentiment":"positive","sentiment_score":0.4457681198482928,"num_words":46,"start":1973.9551,"end":1989.51},{"sentences":[{"text":"Have a good day.","start":1989.51,"end":1990.4099,"sentiment":"positive","sentiment_score":0.6089468598365784},{"text":"You too.","start":1990.5499,"end":1991.2899,"sentiment":"neutral","sentiment_score":0.23074296116828918},{"text":"Bye.","start":1991.35,"end":1991.85,"sentiment":"neutral","sentiment_score":0.0858147144317627}],"sentiment":"positive","sentiment_score":0.42615543944495066,"num_words":7,"start":1989.51,"end":1991.85}]}}]},{"alternatives":[{"transcript":"Good. You you there? Yeah. Yeah. Yeah. I've got you now. Yes. Yep. Mhmm. Yeah. Yeah. Can I get the advice first? Because I don't really know what we're discussing. Uh-huh. Yeah. It does. So that's it's very confusing because Hailey's told me that given the advice and this is what we should look at doing. And so okay. So yeah. So what I I really want to know is if I if it stays exactly how it is, what tax am I up for and what have I gotta pay? They're only taxed on the dividend. So what's been made? Is that correct? Yeah. So 20 20,000 roughly dollars. Yep. You get back yeah. Yeah. That makes sense. So if I was to move to this supposed child account, whatever that right? What would I be looking at there? Would I still have to pay tax there as well? If I was to sell what we currently have now to transfer it over. Yep. Yep. Yep. So would the kids need a tax file number to have that no. Okay. So that would still need to remain in both mine and Hailey's name. Is that correct? As Look, maybe it is best to get try and get Hailey on the phone. Well, I'd like to be all on the same page because I I feel like she's trying to pass. Yeah. Yeah. Who her adviser was? Was it Jody? Yeah. Yeah. Yeah. Email. Hello? Yeah. I gotcha. Yeah. Because he sent her an email regarding the this new account. Investment at Benelong under underperformance. Yeah. Yeah. Yeah. Yeah. No. Of course. Yep. There you go. Yep. Yep. Yep. Yep. Yeah. Yeah. Absolutely. So I think it'd be worth to try and get a hold of her, and and we can go from yep. Yeah. No. That's fair enough. Perfect. Good. Good. Thank you. How are you, ma'am? Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. It's just more just to get a gain an understanding of what everything is, if that makes sense. Same pay. Yeah. Exactly. Perfect. Thanks. Perfect. Thank you. Hey, guys. Yes. Yes. That's correct. So do the so do the kids need to pay tax on that? If it goes into the across to the child one, the the the kids? Yes. Yep. Uh-huh. So what would be or is there a monthly contribution that is needed to be made? The the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents. The intent from it, from the 150,000 that was put in there was for the kids to for them for their future. So, ideally, everything is for the kids. It isn't for us. It isn't for me or for Hailey. There's no benefit for either of us. The benefit is purely for the kids. That's my intention. That's what my parents would like because, obviously, they died. They got nothing left. So the intent is for the this money for the kids purely just for the kids, not for me or Hailey. So I did see the situation would be solely one person, and it everything can just go straight to the kids. Yeah. No worries. Well, I I do appreciate your advice. I'm happy to take the rest of it offline with Vanessa and then obviously with my lawyer. K. No. No. No more. That's all fine. Look, we're not gonna continue this. So I'm happy to end the conversation now and take this up with our own advisers. Cool. Yeah. That's fine. You too. 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You you there? Yeah. Yeah. Yeah.\n\nI've got you now. Yes. Yep. Mhmm. Yeah.\n\nYeah. Can I get the advice first? Because I don't really know what we're discussing. Uh-huh. Yeah.\n\nIt does. So that's it's very confusing because Hailey's told me that given the advice and this is what we should look at doing. And so okay. So yeah. So what I I really want to know is if I if it stays exactly how it is, what tax am I up for and what have I gotta pay?\n\nThey're only taxed on the dividend. So what's been made? Is that correct? Yeah. So 20 20,000 roughly dollars.\n\nYep. You get back yeah. Yeah. That makes sense. So if I was to move to this supposed child account, whatever that right?\n\nWhat would I be looking at there? Would I still have to pay tax there as well? If I was to sell what we currently have now to transfer it over. Yep. Yep.\n\nYep. So would the kids need a tax file number to have that no. Okay. So that would still need to remain in both mine and Hailey's name. Is that correct?\n\nAs Look, maybe it is best to get try and get Hailey on the phone. Well, I'd like to be all on the same page because I I feel like she's trying to pass. Yeah. Yeah. Who her adviser was?\n\nWas it Jody? Yeah. Yeah. Yeah. Email.\n\nHello? Yeah. I gotcha. Yeah. Because he sent her an email regarding the this new account.\n\nInvestment at Benelong under underperformance. Yeah. Yeah. Yeah. Yeah.\n\nNo. Of course. Yep. There you go. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nAbsolutely. So I think it'd be worth to try and get a hold of her, and and we can go from yep. Yeah. No. That's fair enough.\n\nPerfect. Good. Good. Thank you. How are you, ma'am?\n\nYep. Yep. Yes. Yep. Yep.\n\nYep. Yep. Yep. It's just more just to get a gain an understanding of what everything is, if that makes sense. Same pay.\n\nYeah. Exactly. Perfect. Thanks. Perfect.\n\nThank you. Hey, guys. Yes. Yes. That's correct.\n\nSo do the so do the kids need to pay tax on that? If it goes into the across to the child one, the the the kids? Yes. Yep. Uh-huh.\n\nSo what would be or is there a monthly contribution that is needed to be made? The the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents. The intent from it, from the 150,000 that was put in there was for the kids to for them for their future. So, ideally, everything is for the kids.\n\nIt isn't for us. It isn't for me or for Hailey. There's no benefit for either of us. The benefit is purely for the kids. That's my intention.\n\nThat's what my parents would like because, obviously, they died. They got nothing left. So the intent is for the this money for the kids purely just for the kids, not for me or Hailey. So I did see the situation would be solely one person, and it everything can just go straight to the kids. Yeah.\n\nNo worries. Well, I I do appreciate your advice. 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be looking at there?","start":217.62999,"end":219.79,"sentiment":"neutral","sentiment_score":-0.03252193118844714},{"text":"Would I still have to pay tax there as well?","start":219.79,"end":223.56999,"sentiment":"neutral","sentiment_score":-0.03537329062819481},{"text":"If I was to sell what we currently have now to transfer it over.","start":251.7,"end":255.31999,"sentiment":"neutral","sentiment_score":-0.021128039807081223},{"text":"Yep.","start":255.45999,"end":255.95999,"sentiment":"neutral","sentiment_score":0.04681207239627838},{"text":"Yep.","start":258.26,"end":258.74,"sentiment":"neutral","sentiment_score":0.044483549892902374}],"sentiment":"neutral","sentiment_score":-0.023814647260940437,"num_words":33,"start":217.62999,"end":258.74},{"sentences":[{"text":"Yep.","start":258.74,"end":258.98,"sentiment":"neutral","sentiment_score":0.043840136379003525},{"text":"So would the kids need a tax file number to have that 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pass.","start":321.87,"end":330.37,"sentiment":"neutral","sentiment_score":0.05710157948104959},{"text":"Yeah.","start":335.495,"end":335.995,"sentiment":"neutral","sentiment_score":-0.061293069273233414},{"text":"Yeah.","start":351.38998,"end":351.88998,"sentiment":"neutral","sentiment_score":-0.18344472348690033},{"text":"Who her adviser was?","start":353.47,"end":354.59,"sentiment":"neutral","sentiment_score":-0.10643558576703072}],"sentiment":"neutral","sentiment_score":-0.0008083941414952278,"num_words":40,"start":272.94,"end":354.59},{"sentences":[{"text":"Was it Jody?","start":354.59,"end":355.49,"sentiment":"neutral","sentiment_score":-0.05945338308811188},{"text":"Yeah.","start":357.78998,"end":358.28998,"sentiment":"neutral","sentiment_score":-0.07714058458805084},{"text":"Yeah.","start":361.06998,"end":361.56998,"sentiment":"neutral","sentiment_score":-0.09081164002418518},{"text":"Yeah.","start":363.705,"end":363.785,"sentiment":"neutral","sentiment_score":-0.03601844608783722},{"text":"Email.","start":363.785,"end":364.285,"sentiment":"neutral","sentiment_score":-0.06715744733810425}],"sentiment":"neutral","sentiment_score":-0.06421260961464473,"num_words":7,"start":354.59,"end":364.285},{"sentences":[{"text":"Hello?","start":369.38498,"end":369.88498,"sentiment":"neutral","sentiment_score":-0.05072970315814018},{"text":"Yeah.","start":371.54498,"end":371.785,"sentiment":"neutral","sentiment_score":-0.002881435677409172},{"text":"I gotcha.","start":371.785,"end":372.345,"sentiment":"neutral","sentiment_score":-0.019045933149755},{"text":"Yeah.","start":372.345,"end":372.585,"sentiment":"neutral","sentiment_score":-0.011309975758194923},{"text":"Because he sent her an email regarding the this new account.","start":372.585,"end":378.04,"sentiment":"neutral","sentiment_score":-0.02383728562430902}],"sentiment":"neutral","sentiment_score":-0.022826445172540843,"num_words":16,"start":369.38498,"end":378.04},{"sentences":[{"text":"Investment at Benelong under underperformance.","start":381.94,"end":385.8,"sentiment":"neutral","sentiment_score":-0.08133159950375557},{"text":"Yeah.","start":391.355,"end":391.855,"sentiment":"neutral","sentiment_score":-0.035757020115852356},{"text":"Yeah.","start":391.915,"end":392.155,"sentiment":"neutral","sentiment_score":-0.017662223428487778},{"text":"Yeah.","start":392.155,"end":392.23502,"sentiment":"neutral","sentiment_score":-0.009709801524877548},{"text":"Yeah.","start":392.23502,"end":392.39502,"sentiment":"neutral","sentiment_score":-0.011804785579442978}],"sentiment":"neutral","sentiment_score":-0.05351020312971539,"num_words":9,"start":381.94,"end":392.39502},{"sentences":[{"text":"No.","start":392.39502,"end":392.635,"sentiment":"neutral","sentiment_score":-0.030320649966597557},{"text":"Of course.","start":392.635,"end":393.295,"sentiment":"neutral","sentiment_score":-0.02655618079006672},{"text":"Yep.","start":399.595,"end":400.095,"sentiment":"neutral","sentiment_score":-0.0038401591591537},{"text":"There you go.","start":408.41,"end":409.23,"sentiment":"neutral","sentiment_score":0.002814626321196556},{"text":"Yep.","start":410.41,"end":410.91,"sentiment":"neutral","sentiment_score":0.02165398560464382}],"sentiment":"neutral","sentiment_score":-0.007146913267206401,"num_words":8,"start":392.39502,"end":410.91},{"sentences":[{"text":"Yep.","start":414.01,"end":414.465,"sentiment":"neutral","sentiment_score":-0.010527889244258404},{"text":"Yep.","start":419.105,"end":419.605,"sentiment":"neutral","sentiment_score":-0.05362093448638916},{"text":"Yep.","start":423.905,"end":424.405,"sentiment":"neutral","sentiment_score":-0.006180956028401852},{"text":"Yeah.","start":436.48,"end":436.72,"sentiment":"neutral","sentiment_score":0.019478559494018555},{"text":"Yeah.","start":436.72,"end":436.88,"sentiment":"neutral","sentiment_score":0.04254791885614395}],"sentiment":"neutral","sentiment_score":-0.0016606602817773818,"num_words":5,"start":414.01,"end":436.88},{"sentences":[{"text":"Absolutely.","start":436.88,"end":437.38,"sentiment":"neutral","sentiment_score":0.08289577811956406},{"text":"So I think it'd be worth to try and get a hold of her, and and we can go from yep.","start":437.44,"end":452.98502,"sentiment":"neutral","sentiment_score":0.04712615286310514},{"text":"Yeah.","start":454.245,"end":454.645,"sentiment":"neutral","sentiment_score":-0.01586240902543068},{"text":"No.","start":454.645,"end":454.965,"sentiment":"neutral","sentiment_score":-0.05018023774027824},{"text":"That's fair enough.","start":454.965,"end":459.37997,"sentiment":"neutral","sentiment_score":-0.021076966697971027}],"sentiment":"neutral","sentiment_score":0.03493597931056111,"num_words":27,"start":436.88,"end":459.37997},{"sentences":[{"text":"Perfect.","start":461.59998,"end":462.09998,"sentiment":"neutral","sentiment_score":0.31593501567840576},{"text":"Good.","start":519.18,"end":519.285,"sentiment":"positive","sentiment_score":0.40206146240234375},{"text":"Good.","start":519.365,"end":519.52496,"sentiment":"positive","sentiment_score":0.4309876561164856},{"text":"Thank you.","start":519.52496,"end":519.76495,"sentiment":"positive","sentiment_score":0.5000915676355362},{"text":"How are you, ma'am?","start":519.76495,"end":520.745,"sentiment":"neutral","sentiment_score":0.3070332035422325}],"sentiment":"positive","sentiment_score":0.37525556484858197,"num_words":9,"start":461.59998,"end":520.745},{"sentences":[{"text":"Yep.","start":530.485,"end":530.565,"sentiment":"neutral","sentiment_score":0.030345793813467022},{"text":"Yep.","start":530.565,"end":531.065,"sentiment":"neutral","sentiment_score":0.027721576392650604},{"text":"Yes.","start":534.27,"end":534.77,"sentiment":"neutral","sentiment_score":0.029612425714731216},{"text":"Yep.","start":541.0425,"end":541.5425,"sentiment":"neutral","sentiment_score":0.07547923922538757},{"text":"Yep.","start":548.055,"end":548.455,"sentiment":"neutral","sentiment_score":0.06048161908984184}],"sentiment":"neutral","sentiment_score":0.04472813084721565,"num_words":5,"start":530.485,"end":548.455},{"sentences":[{"text":"Yep.","start":548.455,"end":548.955,"sentiment":"neutral","sentiment_score":0.05809992551803589},{"text":"Yep.","start":558.775,"end":558.935,"sentiment":"neutral","sentiment_score":0.021795883774757385},{"text":"Yep.","start":558.935,"end":559.435,"sentiment":"neutral","sentiment_score":0.04176630079746246},{"text":"It's just more just to get a gain an understanding of what everything is, if that makes sense.","start":559.495,"end":565.38,"sentiment":"neutral","sentiment_score":0.05739422680603133},{"text":"Same pay.","start":566.0,"end":566.82,"sentiment":"neutral","sentiment_score":0.1686476245522499}],"sentiment":"neutral","sentiment_score":0.06487188876970955,"num_words":23,"start":548.455,"end":566.82},{"sentences":[{"text":"Yeah.","start":569.12,"end":569.44,"sentiment":"neutral","sentiment_score":0.027129001915454865},{"text":"Exactly.","start":569.44,"end":569.94,"sentiment":"neutral","sentiment_score":0.03862008452415466},{"text":"Perfect.","start":570.64,"end":571.12,"sentiment":"positive","sentiment_score":0.5392410159111023},{"text":"Thanks.","start":571.12,"end":571.62,"sentiment":"positive","sentiment_score":0.614477276802063},{"text":"Perfect.","start":576.16003,"end":576.56,"sentiment":"positive","sentiment_score":0.5762506723403931}],"sentiment":"positive","sentiment_score":0.35914361029863356,"num_words":5,"start":569.12,"end":576.56},{"sentences":[{"text":"Thank you.","start":576.56,"end":577.485,"sentiment":"positive","sentiment_score":0.5836314558982849},{"text":"Hey, guys.","start":678.19,"end":679.065,"sentiment":"neutral","sentiment_score":0.14834201335906982},{"text":"Yes.","start":726.53,"end":727.03,"sentiment":"neutral","sentiment_score":-0.12672720849514008},{"text":"Yes.","start":923.51,"end":923.75,"sentiment":"neutral","sentiment_score":0.22970296442508695},{"text":"That's correct.","start":923.75,"end":924.49005,"sentiment":"neutral","sentiment_score":0.27001962065696716}],"sentiment":"neutral","sentiment_score":0.26337024196982384,"num_words":8,"start":576.56,"end":924.49005},{"sentences":[{"text":"So do the so do the kids need to pay tax on that?","start":1106.125,"end":1112.5299,"sentiment":"neutral","sentiment_score":-0.08888530244047825},{"text":"If it goes into the across to the child one, the the the kids?","start":1112.5299,"end":1117.2699,"sentiment":"neutral","sentiment_score":-0.024788319000176022},{"text":"Yes.","start":1130.725,"end":1131.225,"sentiment":"neutral","sentiment_score":0.01998797431588173},{"text":"Yep.","start":1138.6901,"end":1139.1901,"sentiment":"neutral","sentiment_score":0.01523659285157919},{"text":"Uh-huh.","start":1143.3301,"end":1143.8301,"sentiment":"neutral","sentiment_score":-0.03410091623663902}],"sentiment":"neutral","sentiment_score":-0.050047391559928656,"num_words":30,"start":1106.125,"end":1143.8301},{"sentences":[{"text":"So what would be or is there a monthly contribution that is needed to be made?","start":1321.735,"end":1326.715,"sentiment":"neutral","sentiment_score":0.04485511069651693},{"text":"The the intent with this account is purely because I inherited this from my parents passing away.","start":1650.565,"end":1656.5,"sentiment":"neutral","sentiment_score":-0.07922546477878795},{"text":"So this the contribution was from my parents.","start":1656.5,"end":1659.88,"sentiment":"neutral","sentiment_score":0.22618667222559452},{"text":"The intent from it, from the 150,000 that was put in there was for the kids to for them for their future.","start":1661.78,"end":1668.495,"sentiment":"positive","sentiment_score":0.38308232954957266},{"text":"So, ideally, everything is for the kids.","start":1668.495,"end":1672.6549,"sentiment":"positive","sentiment_score":0.39591030350753237}],"sentiment":"neutral","sentiment_score":0.17685036603361368,"num_words":70,"start":1321.735,"end":1672.6549},{"sentences":[{"text":"It isn't for us.","start":1672.6549,"end":1673.695,"sentiment":"neutral","sentiment_score":-0.3172783888876438},{"text":"It isn't for me or for Hailey.","start":1673.695,"end":1675.3949,"sentiment":"negative","sentiment_score":-0.37985931124006},{"text":"There's no benefit for either of us.","start":1676.2549,"end":1678.2749,"sentiment":"negative","sentiment_score":-0.39542106219700407},{"text":"The benefit is purely for the kids.","start":1678.495,"end":1680.33,"sentiment":"neutral","sentiment_score":0.16864329044307982},{"text":"That's my intention.","start":1680.57,"end":1681.5299,"sentiment":"neutral","sentiment_score":0.1258219008644422}],"sentiment":"neutral","sentiment_score":-0.18350383692554065,"num_words":28,"start":1672.6549,"end":1681.5299},{"sentences":[{"text":"That's what my parents would like because, obviously, they died.","start":1681.5299,"end":1685.87,"sentiment":"neutral","sentiment_score":-0.15165841709822417},{"text":"They got nothing left.","start":1686.09,"end":1687.13,"sentiment":"neutral","sentiment_score":-0.269788533449173},{"text":"So the intent is for the this money for the kids purely just for the kids, not for me or Hailey.","start":1687.13,"end":1692.99,"sentiment":"neutral","sentiment_score":0.12540062410490854},{"text":"So I did see the situation would be solely one person, and it everything can just go straight to the kids.","start":1695.335,"end":1702.555,"sentiment":"neutral","sentiment_score":0.14339258805626914},{"text":"Yeah.","start":1854.655,"end":1854.975,"sentiment":"neutral","sentiment_score":0.12781378626823425}],"sentiment":"neutral","sentiment_score":0.05573215678726372,"num_words":57,"start":1681.5299,"end":1854.975},{"sentences":[{"text":"No worries.","start":1854.975,"end":1855.53,"sentiment":"neutral","sentiment_score":0.22653208673000336},{"text":"Well, I I do appreciate your advice.","start":1855.61,"end":1857.29,"sentiment":"positive","sentiment_score":0.6182325822966439},{"text":"I'm happy to take the rest of it offline with Vanessa and then obviously with my lawyer.","start":1857.29,"end":1862.5901,"sentiment":"positive","sentiment_score":0.536263446597492},{"text":"K.","start":1866.97,"end":1867.47,"sentiment":"neutral","sentiment_score":0.16066974401474},{"text":"No.","start":1875.315,"end":1875.5549,"sentiment":"neutral","sentiment_score":-0.15159696340560913}],"sentiment":"positive","sentiment_score":0.4966515579393932,"num_words":28,"start":1854.975,"end":1875.5549},{"sentences":[{"text":"No.","start":1875.5549,"end":1875.715,"sentiment":"neutral","sentiment_score":-0.2652556002140045},{"text":"No more.","start":1875.715,"end":1876.455,"sentiment":"negative","sentiment_score":-0.39028406143188477},{"text":"That's all fine.","start":1917.76,"end":1918.48,"sentiment":"neutral","sentiment_score":0.14245267460743585},{"text":"Look, we're not gonna continue this.","start":1918.48,"end":1920.105,"sentiment":"negative","sentiment_score":-0.467816228667895},{"text":"So I'm happy to end the conversation now and take this up with our own advisers.","start":1920.265,"end":1926.205,"sentiment":"positive","sentiment_score":0.5978075452148914}],"sentiment":"neutral","sentiment_score":0.21926991614912236,"num_words":28,"start":1875.5549,"end":1926.205},{"sentences":[{"text":"Cool.","start":1964.15,"end":1964.47,"sentiment":"neutral","sentiment_score":0.2573377788066864},{"text":"Yeah.","start":1964.47,"end":1964.79,"sentiment":"neutral","sentiment_score":0.20274357497692108},{"text":"That's fine.","start":1964.79,"end":1965.53,"sentiment":"neutral","sentiment_score":0.31973084807395935},{"text":"You too.","start":1990.5109,"end":1990.9908,"sentiment":"neutral","sentiment_score":0.2719188630580902},{"text":"Bye.","start":1990.9908,"end":1991.4908,"sentiment":"neutral","sentiment_score":0.13564854860305786}],"sentiment":"neutral","sentiment_score":0.25414704637868063,"num_words":7,"start":1964.15,"end":1991.4908}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. Is this Ben?\n\nChannel 1: Good. You you there?\n\nChannel 0: Yeah. Can you hear me\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Yeah. Yeah. I've got you now.\n\nChannel 0: Yeah. Beautiful. So I have spoken through Hailey's adviser. Now her\n\nChannel 1: Yes.\n\nChannel 0: adviser is currently on paternity leave. So I've spoken to our head of advice because she knows everything in regards to Hailey's situation as well.\n\nChannel 1: Yep.\n\nChannel 0: So just for clarity as well, just so we all are kind of on the same page, because what I told her as well, she was like, oh, yeah. That that that makes sense. So if you are happy with that, what I might do is I will get our head of advice, Larissa, to come in to\n\nChannel 1: Mhmm.\n\nChannel 0: the call now, and then we will call Hailey in as well just so that she can explain for both of you so you guys are both on the same page when it comes to the IDPS and the investment just so that everyone's getting the same information. Would you be comfortable with that?\n\nChannel 1: Yeah. Yeah. Can I get the advice first? Because I don't really know what we're discussing.\n\nChannel 0: Yes. So it won't be advice that we're given. So the only thing that she will do so her name is Larissa, and she\n\nChannel 1: Uh-huh.\n\nChannel 0: will just kind of explain the situation that we can't actually give you advice yet until we actually do the research and put a recommendation together. So she won't be, oh, we suggest that you do sell this or move it into this because we can't actually do that until we've done a proposal and put it all in a strategy paper. So the only thing she's going to do is just like a general, okay. This is where things are at at the moment, which is obviously with the consent order, and that currently stipulates that that you guys will go into the investment bond. She clarified it with Haley that we can't actually do that because we haven't given any advice in regards to that yet.\n\nSo it's we can't even say, oh, yes. That is a good or bad idea because it's not even a recommendation as of yet. So it's a bit too early to do that. Does that make sense?\n\nChannel 1: Yeah. It does. So that's it's very confusing because Hailey's\n\nChannel 0: Yes.\n\nChannel 1: told me that given the advice and this is what we should look at doing. And\n\nChannel 0: Exactly. Which\n\nChannel 1: so\n\nChannel 0: is where their confusion is because that was never given to her\n\nChannel 1: okay.\n\nChannel 0: from\n\nChannel 1: So\n\nChannel 0: my understanding.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So what I I really want to know is\n\nChannel 0: Yes.\n\nChannel 1: if I if it stays exactly how it is, what\n\nChannel 0: Yep.\n\nChannel 1: tax am I up for and what have I gotta pay?\n\nChannel 0: So if everything stays exactly the way that it is right now with you both having a fifty fifty split. So if nothing changes, then it will be exactly the same that when you do your tax return, any, like, income or anything from the investments will be added when you do your tax return. That will be obviously as per your marginal tax rate. And it's only when you guys sell the investment that you pay capital gains tax.\n\nChannel 1: They're only taxed on the dividend. So what's been made? Is that\n\nChannel 0: Correct.\n\nChannel 1: correct?\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: So it's,\n\nChannel 1: 20\n\nChannel 0: like, kind\n\nChannel 1: 20,000\n\nChannel 0: of like a\n\nChannel 1: roughly dollars.\n\nChannel 0: a get exactly. So it's like if you have\n\nChannel 1: Yep.\n\nChannel 0: a bank account, you don't get taxed. But say you have 50,000 on the bank account, you don't get taxed\n\nChannel 1: You\n\nChannel 0: on the 50,000. But if the interest you made was $2,000, you declare\n\nChannel 1: get\n\nChannel 0: the $2,000 interest and then you pay tax on that. Does that make sense?\n\nChannel 1: back yeah. Yeah. That makes sense. So if I was\n\nChannel 0: Yeah.\n\nChannel 1: to move to this supposed child account, whatever\n\nChannel 0: Yes.\n\nChannel 1: that right? What would I be looking at there? Would I still have to pay tax there as well?\n\nChannel 0: No. So with the investment bond, it would not be taxed on your that you wouldn't have to declare it on your tax return or anything like that. To move it into the investment bond, because we would have to sell the investment you currently have in the IDPS, you would then have to pay 50% of the earnings, so you'd have to pay capital gains tax on that.\n\nChannel 1: If I was to sell what we currently have now to transfer\n\nChannel 0: Correct.\n\nChannel 1: it over. Yep.\n\nChannel 0: And transfer it over to an investment bond. Yes.\n\nChannel 1: Yep. Yep. So would the kids need a tax file number\n\nChannel 0: Not\n\nChannel 1: to have\n\nChannel 0: for\n\nChannel 1: that\n\nChannel 0: an invest not for an investment bond. I don't.\n\nChannel 1: no. Okay. So that would still need to remain in both mine and Hailey's name. Is that correct? As\n\nChannel 0: No. Because it can be have multiple bonds. So depending on what is going to be the best, it could be a matter of you having individual. So whether you guys wanted together, set it up jointly, you can do that. Or if when, let's say, you if if it was that you guys decide, oh, let's just sell it, the IDPF split it, and then half of it goes to you.\n\nIf you decide that you want to put that to your kids, then you can be the sole owner of it and then have it directly to your kids. And then whatever she decides to do with her portion, if she decides to do also investment bonds that she have control over, she can do that or whatever she wants to do.\n\nChannel 1: Look, maybe it is best to get try and get Hailey on the phone.\n\nChannel 0: I\n\nChannel 1: Well,\n\nChannel 0: think so.\n\nChannel 1: I'd like\n\nChannel 0: Just so\n\nChannel 1: to\n\nChannel 0: she has the right information.\n\nChannel 1: be all on the same page because I I feel\n\nChannel 0: Yes.\n\nChannel 1: like she's trying to pass.\n\nChannel 0: Exactly. And that's why I was like, I was when I was speaking to Larissa, I was like, this is my understanding. This is where it\n\nChannel 1: Yeah.\n\nChannel 0: is. That it was put it in the consent order seemed a little bit, you know, premature in that way because we don't even know if it's I don't even know yet whether that is a recommendation that I think you should or should not do because they haven't done the research to\n\nChannel 1: Yeah.\n\nChannel 0: determine that yet.\n\nChannel 1: Who her adviser was? Was it Jody?\n\nChannel 0: It was Tommy, so he's\n\nChannel 1: Yeah.\n\nChannel 0: currently on paternity leave. So\n\nChannel 1: Yeah.\n\nChannel 0: that's why I was like, okay. Let's\n\nChannel 1: Yeah. Email.\n\nChannel 0: let's get what was that? Sorry.\n\nChannel 1: Hello?\n\nChannel 0: Yep. Can you hear me?\n\nChannel 1: Yeah. I gotcha. Yeah. Because he\n\nChannel 0: Yep.\n\nChannel 1: sent her an email regarding the this new account.\n\nChannel 0: The scent sorry. Because I don't have access to the Larissa\n\nChannel 1: Investment at Benelong under underperformance.\n\nChannel 0: yes. Sorry. Larissa will have access. Because of, obviously, privacy, I can't view any\n\nChannel 1: Yeah.\n\nChannel 0: correspondence\n\nChannel 1: Yeah. Yeah. Yeah. No.\n\nChannel 0: between\n\nChannel 1: Of\n\nChannel 0: them.\n\nChannel 1: course.\n\nChannel 0: But Larissa, as head of advice, being impartial, obviously, in this situation will\n\nChannel 1: Yep.\n\nChannel 0: have access to it. So she can have a look to see whether that was advice, which I don't think. I think it was just a general, hey. This is\n\nChannel 1: There\n\nChannel 0: a\n\nChannel 1: you\n\nChannel 0: potential\n\nChannel 1: go.\n\nChannel 0: option. But then\n\nChannel 1: Yep.\n\nChannel 0: she can clarify that with Hailey on the phone as well,\n\nChannel 1: Yep.\n\nChannel 0: and she won't provide any advice or tell you guys I think you should do x y zed. It'd\n\nChannel 1: Yep.\n\nChannel 0: literally be more of a conversation of this is where things are at currently. This\n\nChannel 1: Yep.\n\nChannel 0: is the situation we are looking at, and then provide kind of clarity in regards to the investment bond wasn't a recommendation. It's a potential option that we can explore. Does that make sense?\n\nChannel 1: Yeah. Yeah. Absolutely. So I\n\nChannel 0: Yes.\n\nChannel 1: think it'd be worth to try and get a hold of\n\nChannel 0: Yeah.\n\nChannel 1: her,\n\nChannel 0: Yes.\n\nChannel 1: and and we\n\nChannel 0: Beautiful.\n\nChannel 1: can go from\n\nChannel 0: Yeah. So what I'll do is I'll just quickly put you on hold, and I will get Larissa to come in. And she will kind of just run the meeting just so it's impartial so Hailey doesn't\n\nChannel 1: yep.\n\nChannel 0: think I'm just advertising for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: No. That's fair\n\nChannel 0: And then we will call Hailey in as well into\n\nChannel 1: enough.\n\nChannel 0: the call. Okay? So it'll be all four of us.\n\nChannel 1: Perfect.\n\nChannel 0: Yep. Okay. Beautiful. Just give me three seconds, and I will get them onto the phone for you. Alright.\n\nThanks, Ben. Hi, Ben. My name is Larissa. How are you going?\n\nChannel 1: Good. Good. Thank you. How are you, ma'am?\n\nChannel 0: Yeah. Really good. So I'm the head of financial advice. So I'm, I guess, being a mediator between the two advices on my side\n\nChannel 1: Yep. Yep.\n\nChannel 0: and keeping your files very separated with respect to\n\nChannel 1: Yes.\n\nChannel 0: everything. Now with your permission, what I wanna do is obviously bring Hailey in. I have given her a heads up that we\n\nChannel 1: Yep.\n\nChannel 0: were giving her a call and then just have a very general conversation with both of you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I am not intimately aware of either of your files, so there's not gonna be any breach of privacy on either either side. It's just gonna be very much a plain and simple general conversation.\n\nChannel 1: Yep.\n\nChannel 0: K?\n\nChannel 1: Yep. It's just more just to get a gain an understanding of what everything is, if that makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: Absolutely.\n\nChannel 1: Same pay.\n\nChannel 0: Yep. No Chinese whispers. We'll just\n\nChannel 1: Yeah.\n\nChannel 0: go from\n\nChannel 1: Exactly.\n\nChannel 0: there.\n\nChannel 1: Perfect.\n\nChannel 0: Cool.\n\nChannel 1: Thanks.\n\nChannel 0: Alright. Give me one second, and what I'll do is I will give her a call, and we'll go from there.\n\nChannel 1: Perfect. Thank you.\n\nChannel 0: Not a problem. Alright. Ben and Hailey, you're on the line. Larissa and Veronica here on this side.\n\nChannel 1: Hey,\n\nChannel 0: Okay.\n\nChannel 1: guys.\n\nChannel 0: Perfect. So what I wanted to, I guess, talk about was the the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names. Now as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only. Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward.\n\nIs that correct?\n\nChannel 1: Yes.\n\nChannel 0: Not really. Okay. And I I'm more than happy for you to clarify. Yeah. From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names.\n\nHowever, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names for tax purposes with us as the managers of it. And after that, we haven't really come up to yeah. We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that. There hasn't been a full on discussion about that. It was just my proposal.\n\nAnd my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes. Yep. That was that has been relayed to Ben. Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay.\n\nBut that's kind of what I at least thought we were progressing towards. So from from a from a general perspective only, with the account as it currently stands, 5050% ownership. Yeah. If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then for, like, for example, sake, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT. Oh, I get that for now.\n\nLike, once that happens, that's understandable. Yes. It's just for long term moving forward. Yeah. So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be.\n\nThe consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be Yeah. I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids.\n\nIs that correct, Sam?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself. But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond.\n\nAnd the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons. So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in.\n\nSo for to to explain that, I guess, is that you could liquidate the money. The money goes into a pool, and then whatever tax needs to be paid from that pool is paid, and then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben's, grand is Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just left for you guys to independently pay those taxes. And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money, and Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money. So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.\n\nI know the kids are still quite young. So in ten years' time, probably not because we're looking to touch that money, but it's over ten like, ten years plus for those child bonds. Thank you for that. That's okay. I completely understand that.\n\nIt's I think I don't know. See what Ben thinks about that. I don't know what he\n\nChannel 1: So\n\nChannel 0: I I\n\nChannel 1: do\n\nChannel 0: know Ben's intention is\n\nChannel 1: the\n\nChannel 0: oh, you go.\n\nChannel 1: so do the kids need to pay tax on that?\n\nChannel 0: So\n\nChannel 1: If it goes into the across to the child one, the the the kids?\n\nChannel 0: Yeah. No. So how it happens is do you remember back in the day? You'd be old enough. Do you remember back in the day where you had, like, your Commonwealth Dolomites account?\n\nAnd\n\nChannel 1: Yes.\n\nChannel 0: you had the account that was in your name, but mom and dad mom and dad were basically the trustees of that account,\n\nChannel 1: Yep.\n\nChannel 0: and mom and dad had to sign off on everything for that money to come out?\n\nChannel 1: Uh-huh.\n\nChannel 0: Same kind of concept. So with the child builder, is it a very spec specific I am tripping over that word today. It's very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult, basically, trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has, and then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has.\n\nIn that way, they're separate and whatever needs to happen with those accounts happen. Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out for ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25. So let's just say at 18, you're happy for the kids to get access to that account.\n\nThe account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder. The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account, they are able to play with that money as much as they want without paying any tax on the draw withdrawings. So it the accounts are what is called tax paid after ten years. And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them. And then by the time they do get to earning age where they have a job and, you know, maybe they might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so.\n\nNor Capital Gains. Correct? Yes. Nor Capital Gains. Correct.\n\nYep.\n\nChannel 1: So what would be or is there a monthly contribution that is needed to be made?\n\nChannel 0: You don't have to know. So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made. But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.\n\nSounds convoluted, but it just kind of make sure you don't pay the tax. That's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account. So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is.\n\nIf you didn't put any money in, that's fine. If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah. But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again. That's all it is.\n\nIt's not the end of the world, especially when the can I ask how old are the kids? I'm actually not They're almost six and a. Six and a. Okay. Yeah.\n\nSo if you would yeah. So, I mean, look. Realistically, what a what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're willing to do.\n\nRealistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids or I I set up IDPSs and and investment accounts for my kids back when they were born. And then, you know, in the last few years, I set up a bond. With tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule.\n\nKind of a 125% rule. Sorry. Yeah. So that is just, like, some options that we can explore Yeah. Absolutely.\n\nYou know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to top the account in half. It's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted.\n\nWhether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with. Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment. The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now. But, yeah, converting that IDPS and and pushing it over to the kids from a investment point of view is not gonna work No. Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.\n\nSo, I mean, you guys are looking at our situation from the bird's eye view. What would you honestly recommend then? What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess. Unless you have an answer, then I'm more than comfortable for you to put it out there.\n\nBut what is the intention with this account, and how do you want it to be split and used for? And once you figure that out between the two of you, it'll give a really clear answer because all the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that.\n\nOr the third option is, yeah, it goes to one person over the other and there's compensation in some way.\n\nChannel 1: The the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents.\n\nChannel 0: Yeah.\n\nChannel 1: The intent from it, from the 150,000 that was put in there was for the kids to for them for their future. So, ideally, everything is for the kids. It isn't for us. It isn't for me or for Hailey. There's no benefit for either of us.\n\nThe benefit is purely for the kids. That's my intention. That's what my parents would like because, obviously, they died. They got nothing left. So the intent is for the this money for the kids purely just for the kids, not for me or Hailey.\n\nSo I did see the situation would be solely one person, and it everything can just go straight to the kids.\n\nChannel 0: Okay. So, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account. Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.\n\nSo that way, I guess, there's assurance for both of you that that's what the money is going to be used for. But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say let's just say one of the kids goes to or both the kids go to a private education, and they decide to pick up the trombone, and that's, like, a $4 instrument probably. You know? And the $4 is not sitting there, and money needs to be accessed to to fund that.\n\nThat can be withdrawn from the child bond. It's just I guess, it's dependent on what you guys specifically want. But the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Yeah.\n\nSorry. The bond. Bond is not IDP. Yes. But same thing.\n\nYeah. Or whether, as I said, we it gets split in half. Half goes to Hailey. Half goes to Ben. Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence.\n\nAnd it's realistically, it can be an unfair split sometimes. It can be that more assets go to one over the other. It's just the decision that has to be made in terms of what you guys are both comfortable with moving forward.\n\nChannel 1: Yeah. No worries. Well, I I do appreciate your advice. I'm happy to take the rest of it offline with Vanessa and then obviously with my lawyer.\n\nChannel 0: Yes. No. That's absolutely okay. Did you both\n\nChannel 1: K.\n\nChannel 0: have any questions at all with regards to the account or where you wanna, like any any questions?\n\nChannel 1: No.\n\nChannel 0: Well,\n\nChannel 1: No. No\n\nChannel 0: I think\n\nChannel 1: more.\n\nChannel 0: as it stands, it just keeps going as is till we obviously make a decision. I mean, I do because this is recorded. I have obviously contributed to that account previously, like, for for about at least six months with individual deposits. Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that.\n\nAnd it can go to the kids, and that's what we agree now. But his parents there was nothing in writing from his parents. That's just the wishes that changed that unfolded. Yeah. So\n\nChannel 1: That's all fine. Look, we're not gonna continue this. So I'm happy to end the conversation now and take this up with our own advisers.\n\nChannel 0: Thank you. Absolutely. Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Yeah.\n\nThat's fine. Ben, were you happy with that?\n\nChannel 1: Cool. Yeah. That's fine.\n\nChannel 0: Perfect. I will get that change happening tonight. Thank you. Thank you so much for both of your time. I really appreciate it.\n\nAnd I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay? Thank you. Thanks, guys.\n\nHave a good day.\n\nChannel 1: You\n\nChannel 0: You\n\nChannel 1: too.\n\nChannel 0: too.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":4.7999997,"end":5.12,"sentiment":"neutral","sentiment_score":0.035156793892383575},{"text":"Is this Ben?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.05232445150613785}],"sentiment":"neutral","sentiment_score":0.04803253710269928,"channel":0,"num_words":4,"start":4.7999997,"end":5.94},{"sentences":[{"text":"Good.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3482780456542969},{"text":"You you there?","start":7.9199996,"end":8.66,"sentiment":"neutral","sentiment_score":0.15542196730772653}],"sentiment":"neutral","sentiment_score":0.20363598689436913,"channel":1,"num_words":4,"start":7.52,"end":8.66},{"sentences":[{"text":"Yeah.","start":9.04,"end":9.28,"sentiment":"neutral","sentiment_score":0.08306322246789932},{"text":"Can you hear me","start":9.28,"end":9.92,"sentiment":"neutral","sentiment_score":0.02564271492883563}],"sentiment":"neutral","sentiment_score":0.03712681643664837,"channel":0,"num_words":5,"start":9.04,"end":9.92},{"sentences":[{"text":"Yeah.","start":9.92,"end":10.32,"sentiment":"neutral","sentiment_score":0.03840320557355881}],"sentiment":"neutral","sentiment_score":0.03840320557355881,"channel":1,"num_words":1,"start":9.92,"end":10.32},{"sentences":[{"text":"okay?","start":9.92,"end":10.42,"sentiment":"neutral","sentiment_score":0.051384784281253815}],"sentiment":"neutral","sentiment_score":0.051384784281253815,"channel":0,"num_words":1,"start":9.92,"end":10.42},{"sentences":[{"text":"Yeah.","start":10.32,"end":10.559999,"sentiment":"neutral","sentiment_score":0.04713457077741623},{"text":"Yeah.","start":10.559999,"end":10.719999,"sentiment":"neutral","sentiment_score":0.07848711311817169},{"text":"I've got you now.","start":10.719999,"end":11.78,"sentiment":"neutral","sentiment_score":0.11301294900476933}],"sentiment":"neutral","sentiment_score":0.09627891331911087,"channel":1,"num_words":6,"start":10.32,"end":11.78},{"sentences":[{"text":"Yeah.","start":11.84,"end":12.24,"sentiment":"neutral","sentiment_score":0.25737273693084717},{"text":"Beautiful.","start":12.24,"end":12.74,"sentiment":"positive","sentiment_score":0.5324611663818359},{"text":"So I have spoken through Hailey's adviser.","start":13.715,"end":17.395,"sentiment":"neutral","sentiment_score":0.1208064290029662},{"text":"Now her","start":17.395,"end":18.695,"sentiment":"neutral","sentiment_score":0.029401198960840702}],"sentiment":"neutral","sentiment_score":0.15402557311410253,"channel":0,"num_words":11,"start":11.84,"end":18.695},{"sentences":[{"text":"Yes.","start":18.285,"end":18.785,"sentiment":"neutral","sentiment_score":0.046454690396785736}],"sentiment":"neutral","sentiment_score":0.046454690396785736,"channel":1,"num_words":1,"start":18.285,"end":18.785},{"sentences":[{"text":"adviser is currently on paternity leave.","start":19.154999,"end":21.634998,"sentiment":"neutral","sentiment_score":0.017532368811468284},{"text":"So I've spoken to our head of advice because she knows everything in regards to Hailey's situation as well.","start":21.634998,"end":28.615,"sentiment":"neutral","sentiment_score":0.07142125266162973}],"sentiment":"neutral","sentiment_score":0.05848792053759098,"channel":0,"num_words":25,"start":19.154999,"end":28.615},{"sentences":[{"text":"Yep.","start":29.1,"end":29.6,"sentiment":"neutral","sentiment_score":0.09709930419921876}],"sentiment":"neutral","sentiment_score":0.09709930419921876,"channel":1,"num_words":1,"start":29.1,"end":29.6},{"sentences":[{"text":"So just for clarity as well, just so we all are kind of on the same page, because what I told her as well, she was like, oh, yeah.","start":30.33,"end":36.89,"sentiment":"neutral","sentiment_score":0.1993424188474129},{"text":"That that that makes sense.","start":36.89,"end":38.51,"sentiment":"neutral","sentiment_score":0.21390056610107422},{"text":"So if you are happy with that, what I might do is I will get our head of advice, Larissa, to come in to","start":38.97,"end":46.105,"sentiment":"neutral","sentiment_score":0.1863088250781099}],"sentiment":"neutral","sentiment_score":0.19520422032681004,"channel":0,"num_words":58,"start":30.33,"end":46.105},{"sentences":[{"text":"Mhmm.","start":45.954998,"end":46.454998,"sentiment":"neutral","sentiment_score":0.1065833494067192}],"sentiment":"neutral","sentiment_score":0.1065833494067192,"channel":1,"num_words":1,"start":45.954998,"end":46.454998},{"sentences":[{"text":"the call now, and then we will call Hailey in as well just so that she can explain for both of you so you guys are both on the same page when it comes to the IDPS and the investment just so that everyone's getting the same information.","start":46.105,"end":61.43,"sentiment":"neutral","sentiment_score":0.20155787095427513},{"text":"Would you be comfortable with that?","start":61.57,"end":63.27,"sentiment":"neutral","sentiment_score":0.11906975507736206}],"sentiment":"neutral","sentiment_score":0.19239252474572924,"channel":0,"num_words":54,"start":46.105,"end":63.27},{"sentences":[{"text":"Yeah.","start":69.21,"end":69.45,"sentiment":"neutral","sentiment_score":0.018412750214338303},{"text":"Yeah.","start":69.45,"end":69.61,"sentiment":"neutral","sentiment_score":0.007372940890491009},{"text":"Can I get the advice first?","start":69.61,"end":70.905,"sentiment":"neutral","sentiment_score":-0.016772741141418617},{"text":"Because I don't really know what we're discussing.","start":70.905,"end":72.765,"sentiment":"neutral","sentiment_score":-0.09776388294994831}],"sentiment":"neutral","sentiment_score":-0.053560113708954304,"channel":1,"num_words":16,"start":69.21,"end":72.765},{"sentences":[{"text":"Yes.","start":73.505,"end":73.905,"sentiment":"neutral","sentiment_score":-0.03443301469087601},{"text":"So it won't be advice that we're 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is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be.","start":868.69995,"end":898.53,"sentiment":"neutral","sentiment_score":0.06499472873497612}],"sentiment":"neutral","sentiment_score":0.11085373274189361,"channel":0,"num_words":94,"start":861.5,"end":898.53},{"sentences":[{"text":"The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after.","start":899.15,"end":909.515,"sentiment":"neutral","sentiment_score":0.0038969655605879698},{"text":"It just needs to be Yeah.","start":909.515,"end":910.995,"sentiment":"neutral","sentiment_score":0.09239622578024864},{"text":"I guess, directed to what's actually the intention with the account.","start":911.195,"end":915.435,"sentiment":"neutral","sentiment_score":0.07486327940767462},{"text":"And I under well, correct.","start":915.435,"end":917.01,"sentiment":"neutral","sentiment_score":0.14555348306894303},{"text":"Based on what Hailey just said, the intention is for that money to be for the kids.","start":917.01,"end":921.01,"sentiment":"neutral","sentiment_score":0.22107530516736648}],"sentiment":"neutral","sentiment_score":0.09753531596211136,"channel":0,"num_words":61,"start":899.15,"end":921.01},{"sentences":[{"text":"Is that correct, Sam?","start":921.01,"end":922.14996,"sentiment":"neutral","sentiment_score":0.11994507350027561}],"sentiment":"neutral","sentiment_score":0.11994507350027561,"channel":0,"num_words":4,"start":921.01,"end":922.14996},{"sentences":[{"text":"Yes.","start":923.51,"end":923.75,"sentiment":"neutral","sentiment_score":0.22970296442508695},{"text":"That's correct.","start":923.75,"end":924.49005,"sentiment":"neutral","sentiment_score":0.27001962065696716}],"sentiment":"neutral","sentiment_score":0.25658073524634045,"channel":1,"num_words":3,"start":923.51,"end":924.49005},{"sentences":[{"text":"Yeah.","start":924.93,"end":925.43,"sentiment":"neutral","sentiment_score":0.17893396317958832},{"text":"So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser.","start":926.76996,"end":931.335,"sentiment":"neutral","sentiment_score":0.06414587642340099},{"text":"He's actually on paternity leave right now.","start":931.335,"end":933.41504,"sentiment":"neutral","sentiment_score":0.043569322143282206},{"text":"We just had a little girl himself.","start":933.41504,"end":934.875,"sentiment":"neutral","sentiment_score":0.08102929272821971},{"text":"But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond.","start":936.93506,"end":956.29004,"sentiment":"neutral","sentiment_score":0.06778773712907352}],"sentiment":"neutral","sentiment_score":0.06745516578386347,"channel":0,"num_words":83,"start":924.93,"end":956.29004},{"sentences":[{"text":"And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid.","start":957.195,"end":965.695,"sentiment":"neutral","sentiment_score":0.000693896542424741},{"text":"And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons.","start":967.835,"end":986.20996,"sentiment":"neutral","sentiment_score":-0.0430672587826848},{"text":"So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account.","start":988.515,"end":1007.55,"sentiment":"neutral","sentiment_score":0.16920722894511134},{"text":"50% goes to each of you.","start":1007.76996,"end":1009.52997,"sentiment":"neutral","sentiment_score":0.3040899336338043},{"text":"Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in.","start":1009.52997,"end":1019.395,"sentiment":"neutral","sentiment_score":0.09176044571010963}],"sentiment":"neutral","sentiment_score":0.07721573969927327,"channel":0,"num_words":145,"start":957.195,"end":1019.395},{"sentences":[{"text":"So for to to explain that, I guess, is that you could liquidate the money.","start":1019.775,"end":1024.575,"sentiment":"neutral","sentiment_score":0.022612961009144783},{"text":"The money goes into a pool, and then whatever tax needs to be paid from that pool is paid, and then whatever's left over post the pay of tax is split fifty fifty.","start":1024.575,"end":1036.3,"sentiment":"neutral","sentiment_score":0.024168864259439888},{"text":"Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben's, grand is Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just left for you guys to independently pay those taxes.","start":1036.92,"end":1052.805,"sentiment":"neutral","sentiment_score":0.04988922722929833},{"text":"And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money, and Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money.","start":1053.745,"end":1066.5,"sentiment":"positive","sentiment_score":0.3648339856002066},{"text":"So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.","start":1066.5,"end":1078.7051,"sentiment":"neutral","sentiment_score":0.1838983773537304}],"sentiment":"neutral","sentiment_score":0.15030511702459895,"channel":0,"num_words":190,"start":1019.775,"end":1078.7051},{"sentences":[{"text":"I know the kids are still quite young.","start":1078.7051,"end":1080.965,"sentiment":"neutral","sentiment_score":-0.04390374943614006},{"text":"So in ten years' time, probably not because we're looking to touch that money, but it's over ten like, ten years plus for those child bonds.","start":1081.025,"end":1088.9501,"sentiment":"neutral","sentiment_score":-0.013858366757631302},{"text":"Thank you for that.","start":1093.17,"end":1094.7101,"sentiment":"positive","sentiment_score":0.5705748945474625},{"text":"That's okay.","start":1095.49,"end":1096.29,"sentiment":"positive","sentiment_score":0.3466145992279053},{"text":"I completely understand that.","start":1096.29,"end":1097.73,"sentiment":"neutral","sentiment_score":0.13926215656101704}],"sentiment":"neutral","sentiment_score":0.06411431526595895,"channel":0,"num_words":44,"start":1078.7051,"end":1097.73},{"sentences":[{"text":"It's I think I don't know.","start":1097.73,"end":1101.115,"sentiment":"neutral","sentiment_score":-0.12539751082658768},{"text":"See what Ben thinks about that.","start":1101.115,"end":1103.455,"sentiment":"neutral","sentiment_score":-0.15677779664595923},{"text":"I don't know what 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is","start":1106.5549,"end":1107.835,"sentiment":"neutral","sentiment_score":-0.06875628791749477}],"sentiment":"neutral","sentiment_score":-0.06875628791749477,"channel":0,"num_words":4,"start":1106.5549,"end":1107.835},{"sentences":[{"text":"the","start":1107.73,"end":1108.23,"sentiment":"neutral","sentiment_score":-0.0474650040268898}],"sentiment":"neutral","sentiment_score":-0.0474650040268898,"channel":1,"num_words":1,"start":1107.73,"end":1108.23},{"sentences":[{"text":"oh, you go.","start":1107.995,"end":1108.975,"sentiment":"neutral","sentiment_score":-0.059383182475964226}],"sentiment":"neutral","sentiment_score":-0.059383182475964226,"channel":0,"num_words":3,"start":1107.995,"end":1108.975},{"sentences":[{"text":"so do the kids need to pay tax on that?","start":1109.49,"end":1112.5299,"sentiment":"neutral","sentiment_score":-0.09637317806482315}],"sentiment":"neutral","sentiment_score":-0.09637317806482315,"channel":1,"num_words":10,"start":1109.49,"end":1112.5299},{"sentences":[{"text":"So","start":1112.25,"end":1112.75,"sentiment":"neutral","sentiment_score":-0.0353797972202301}],"sentiment":"neutral","sentiment_score":-0.0353797972202301,"channel":0,"num_words":1,"start":1112.25,"end":1112.75},{"sentences":[{"text":"If it goes into the across to the child one, the the the kids?","start":1112.5299,"end":1117.2699,"sentiment":"neutral","sentiment_score":-0.024788319000176022}],"sentiment":"neutral","sentiment_score":-0.024788319000176022,"channel":1,"num_words":14,"start":1112.5299,"end":1117.2699},{"sentences":[{"text":"Yeah.","start":1117.85,"end":1118.35,"sentiment":"neutral","sentiment_score":-0.038286227732896805},{"text":"No.","start":1119.21,"end":1119.61,"sentiment":"neutral","sentiment_score":-0.08173686265945435},{"text":"So how it happens is do you remember back in the day?","start":1119.61,"end":1123.29,"sentiment":"neutral","sentiment_score":-0.033340060307333864},{"text":"You'd be old enough.","start":1123.29,"end":1124.59,"sentiment":"neutral","sentiment_score":-0.08942820131778717},{"text":"Do you remember back in the day where you had, like, your Commonwealth Dolomites account?","start":1124.81,"end":1130.1951,"sentiment":"neutral","sentiment_score":-0.010789997192720573}],"sentiment":"neutral","sentiment_score":-0.03150504779522166,"channel":0,"num_words":33,"start":1117.85,"end":1130.1951},{"sentences":[{"text":"And","start":1130.655,"end":1131.155,"sentiment":"neutral","sentiment_score":0.0017956048250198364}],"sentiment":"neutral","sentiment_score":0.0017956048250198364,"channel":0,"num_words":1,"start":1130.655,"end":1131.155},{"sentences":[{"text":"Yes.","start":1130.725,"end":1131.225,"sentiment":"neutral","sentiment_score":0.01998797431588173}],"sentiment":"neutral","sentiment_score":0.01998797431588173,"channel":1,"num_words":1,"start":1130.725,"end":1131.225},{"sentences":[{"text":"you had the account that was in your name, but mom and dad mom and dad were basically the trustees of that account,","start":1131.615,"end":1138.355,"sentiment":"neutral","sentiment_score":-0.00769769918659459}],"sentiment":"neutral","sentiment_score":-0.00769769918659459,"channel":0,"num_words":23,"start":1131.615,"end":1138.355},{"sentences":[{"text":"Yep.","start":1138.6901,"end":1139.1901,"sentiment":"neutral","sentiment_score":0.01523659285157919}],"sentiment":"neutral","sentiment_score":0.01523659285157919,"channel":1,"num_words":1,"start":1138.6901,"end":1139.1901},{"sentences":[{"text":"and mom and dad had to sign off on everything for that money to come out?","start":1139.535,"end":1142.995,"sentiment":"neutral","sentiment_score":-0.0400534060318023}],"sentiment":"neutral","sentiment_score":-0.0400534060318023,"channel":0,"num_words":16,"start":1139.535,"end":1142.995},{"sentences":[{"text":"Uh-huh.","start":1143.3301,"end":1143.8301,"sentiment":"neutral","sentiment_score":-0.03410091623663902}],"sentiment":"neutral","sentiment_score":-0.03410091623663902,"channel":1,"num_words":1,"start":1143.3301,"end":1143.8301},{"sentences":[{"text":"Same kind of concept.","start":1144.03,"end":1145.23,"sentiment":"neutral","sentiment_score":-0.056597158312797546},{"text":"So with the child builder, is it a very spec specific I am tripping over that word today.","start":1145.23,"end":1155.01,"sentiment":"neutral","sentiment_score":-0.031168801503049},{"text":"It's very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult, basically, trustee for that account.","start":1155.0701,"end":1167.2151,"sentiment":"neutral","sentiment_score":0.029333663173019886},{"text":"So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice.","start":1167.515,"end":1179.96,"sentiment":"neutral","sentiment_score":-0.013946602047470055},{"text":"It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has, and then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has.","start":1180.34,"end":1198.215,"sentiment":"neutral","sentiment_score":0.14881076904780724}],"sentiment":"neutral","sentiment_score":0.06127686235652883,"channel":0,"num_words":158,"start":1144.03,"end":1198.215},{"sentences":[{"text":"In that way, they're separate and whatever needs to happen with those accounts happen.","start":1198.995,"end":1202.9349,"sentiment":"neutral","sentiment_score":0.09980529280645507},{"text":"Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money.","start":1203.21,"end":1211.63,"sentiment":"neutral","sentiment_score":0.1100846652103507},{"text":"However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income.","start":1212.73,"end":1223.5449,"sentiment":"neutral","sentiment_score":-0.17627803082851803},{"text":"But if you see out for ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start":1224.6449,"end":1238.9199,"sentiment":"neutral","sentiment_score":0.08178714160685954},{"text":"So let's just say at 18, you're happy for the kids to get access to that account.","start":1239.14,"end":1243.0599,"sentiment":"positive","sentiment_score":0.632217279251884}],"sentiment":"neutral","sentiment_score":0.09287813889668949,"channel":0,"num_words":134,"start":1198.995,"end":1243.0599},{"sentences":[{"text":"The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.","start":1243.0599,"end":1253.385,"sentiment":"positive","sentiment_score":0.43248905420303346},{"text":"The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account, they are able to play with that money as much as they want without paying any tax on the draw withdrawings.","start":1253.6849,"end":1268.38,"sentiment":"positive","sentiment_score":0.5594951844877667},{"text":"So it the accounts are what is called tax paid after ten years.","start":1269.495,"end":1276.555,"sentiment":"neutral","sentiment_score":0.07799713256267402},{"text":"And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them.","start":1277.015,"end":1290.3201,"sentiment":"neutral","sentiment_score":0.28207197116735655},{"text":"And then by the time they do get to earning age where they have a job and, you know, maybe they might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do 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Gains.","start":1318.78,"end":1319.58,"sentiment":"neutral","sentiment_score":0.020654709388812382},{"text":"Correct.","start":1319.58,"end":1320.0599,"sentiment":"neutral","sentiment_score":0.07061553746461868}],"sentiment":"neutral","sentiment_score":0.017258479052947626,"channel":0,"num_words":9,"start":1317.4199,"end":1320.0599},{"sentences":[{"text":"Yep.","start":1320.0599,"end":1320.5599,"sentiment":"neutral","sentiment_score":0.08949866145849228}],"sentiment":"neutral","sentiment_score":0.08949866145849228,"channel":0,"num_words":1,"start":1320.0599,"end":1320.5599},{"sentences":[{"text":"So what would be or is there a monthly contribution that is needed to be made?","start":1321.735,"end":1326.715,"sentiment":"neutral","sentiment_score":0.04485511069651693}],"sentiment":"neutral","sentiment_score":0.04485511069651693,"channel":1,"num_words":16,"start":1321.735,"end":1326.715},{"sentences":[{"text":"You don't have to know.","start":1327.5,"end":1328.78,"sentiment":"neutral","sentiment_score":0.04001785181462765},{"text":"So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond.","start":1328.78,"end":1351.61,"sentiment":"neutral","sentiment_score":0.11575358295649812},{"text":"There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made.","start":1351.75,"end":1358.01,"sentiment":"neutral","sentiment_score":0.08387110155561696},{"text":"But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50.","start":1358.625,"end":1366.005,"sentiment":"neutral","sentiment_score":0.07834044183519753},{"text":"So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.","start":1366.0651,"end":1371.665,"sentiment":"neutral","sentiment_score":0.10097840667835303}],"sentiment":"neutral","sentiment_score":0.09835528837585891,"channel":0,"num_words":135,"start":1327.5,"end":1371.665},{"sentences":[{"text":"Sounds convoluted, but it just kind of make sure you don't pay the tax.","start":1371.665,"end":1376.12,"sentiment":"negative","sentiment_score":-0.35630407822983606},{"text":"That's what we we're trying to avoid.","start":1376.12,"end":1377.66,"sentiment":"neutral","sentiment_score":-0.24018435180187225},{"text":"And then you're allowed to put up to a 125% of the previous year's contributions into the account.","start":1378.6,"end":1385.34,"sentiment":"neutral","sentiment_score":0.14797681445876756},{"text":"So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month.","start":1385.64,"end":1393.3351,"sentiment":"neutral","sentiment_score":0.2072821597640331},{"text":"Year three, that becomes whatever that number is.","start":1393.395,"end":1396.535,"sentiment":"neutral","sentiment_score":0.2346900012344122}],"sentiment":"neutral","sentiment_score":0.04466974337215293,"channel":0,"num_words":73,"start":1371.665,"end":1396.535},{"sentences":[{"text":"If you didn't put any money in, that's fine.","start":1399.555,"end":1401.895,"sentiment":"neutral","sentiment_score":0.0928591357337104},{"text":"If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop.","start":1402.035,"end":1410.73,"sentiment":"neutral","sentiment_score":-0.05858054892583327},{"text":"Yeah.","start":1410.73,"end":1411.13,"sentiment":"neutral","sentiment_score":0.07665017247200012},{"text":"But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again.","start":1411.13,"end":1422.085,"sentiment":"neutral","sentiment_score":-0.18456784584398928},{"text":"That's all it is.","start":1422.145,"end":1423.265,"sentiment":"neutral","sentiment_score":-0.16348975896835327}],"sentiment":"neutral","sentiment_score":-0.09246318797139745,"channel":0,"num_words":76,"start":1399.555,"end":1423.265},{"sentences":[{"text":"It's not the end of the world, especially when the can I ask how old are the kids?","start":1423.265,"end":1427.6849,"sentiment":"neutral","sentiment_score":-0.29882303542561},{"text":"I'm actually not They're almost six and a.","start":1427.825,"end":1430.325,"sentiment":"neutral","sentiment_score":-0.14210320357233286},{"text":"Six and a.","start":1430.945,"end":1431.505,"sentiment":"neutral","sentiment_score":-0.07918722927570343},{"text":"Okay.","start":1431.505,"end":1431.825,"sentiment":"neutral","sentiment_score":0.0033864155411720276},{"text":"Yeah.","start":1431.825,"end":1432.065,"sentiment":"neutral","sentiment_score":0.015901625156402588}],"sentiment":"neutral","sentiment_score":-0.2172230294635219,"channel":0,"num_words":31,"start":1423.265,"end":1432.065},{"sentences":[{"text":"So if you would yeah.","start":1432.065,"end":1433.0249,"sentiment":"neutral","sentiment_score":-0.005340783298015595},{"text":"So, I mean, look.","start":1433.0249,"end":1434.15,"sentiment":"neutral","sentiment_score":-0.0111619271337986},{"text":"Realistically, what a what what parent wants their 18 year old to have access to that much money?","start":1434.15,"end":1438.4701,"sentiment":"neutral","sentiment_score":-0.11795927004681693},{"text":"But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it.","start":1438.4701,"end":1453.055,"sentiment":"neutral","sentiment_score":-0.141272959521129},{"text":"So it's just dependent on what you're willing to do.","start":1453.675,"end":1455.435,"sentiment":"neutral","sentiment_score":-0.11635512113571167}],"sentiment":"neutral","sentiment_score":-0.11761562021661408,"channel":0,"num_words":79,"start":1432.065,"end":1455.435},{"sentences":[{"text":"Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids or I I set up IDPSs and and investment accounts for my kids back when they were born.","start":1455.435,"end":1465.9401,"sentiment":"neutral","sentiment_score":0.05823313726766689},{"text":"And then, you know, in the last few years, I set up a bond.","start":1466.8,"end":1469.46,"sentiment":"neutral","sentiment_score":0.010348941997757979},{"text":"With tax time, sometimes, you know, where I I sold assets, I've just set up another bond.","start":1470.4,"end":1476.58,"sentiment":"neutral","sentiment_score":-0.03768536755267311},{"text":"So out of my three children, I actually have six bonds.","start":1477.085,"end":1479.8251,"sentiment":"neutral","sentiment_score":-0.007047883150252429},{"text":"And that's just because I didn't wanna exceed that hundred and twenty five year rule.","start":1482.045,"end":1485.345,"sentiment":"neutral","sentiment_score":-0.18106560657421747}],"sentiment":"neutral","sentiment_score":-0.012070753136055266,"channel":0,"num_words":94,"start":1455.435,"end":1485.345},{"sentences":[{"text":"Kind of a 125% rule.","start":1487.405,"end":1489.005,"sentiment":"neutral","sentiment_score":-0.10960604697465896},{"text":"Sorry.","start":1489.005,"end":1489.505,"sentiment":"neutral","sentiment_score":-0.09345591068267822},{"text":"Yeah.","start":1491.93,"end":1492.17,"sentiment":"neutral","sentiment_score":-0.009883660823106766},{"text":"So that is just, like, some options that we can explore Yeah.","start":1492.17,"end":1495.53,"sentiment":"neutral","sentiment_score":0.06725166862209637},{"text":"Absolutely.","start":1495.53,"end":1495.81,"sentiment":"neutral","sentiment_score":0.2333296090364456}],"sentiment":"neutral","sentiment_score":0.019448991306126116,"channel":0,"num_words":20,"start":1487.405,"end":1495.81},{"sentences":[{"text":"You know, once we know.","start":1496.09,"end":1497.53,"sentiment":"neutral","sentiment_score":0.045442890375852585},{"text":"It all just depends on what you guys do with the account now under the consent orders.","start":1497.53,"end":1502.27,"sentiment":"neutral","sentiment_score":-0.04763403271927553},{"text":"Whether under the consent orders, you guys are making the decision to top the account in half.","start":1502.49,"end":1509.625,"sentiment":"neutral","sentiment_score":-0.20136888588176055},{"text":"It's getting liquidated.","start":1509.925,"end":1511.0651,"sentiment":"neutral","sentiment_score":-0.26112763086954754},{"text":"Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted.","start":1511.525,"end":1517.145,"sentiment":"neutral","sentiment_score":-0.14440962401303378}],"sentiment":"neutral","sentiment_score":-0.12447234039427713,"channel":0,"num_words":64,"start":1496.09,"end":1517.145},{"sentences":[{"text":"Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with.","start":1517.685,"end":1532.9,"sentiment":"neutral","sentiment_score":-0.21195232247312865},{"text":"Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment.","start":1533.735,"end":1541.355,"sentiment":"negative","sentiment_score":-0.5289777219295502},{"text":"The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now.","start":1542.295,"end":1549.95,"sentiment":"neutral","sentiment_score":-0.3134766000509262},{"text":"But, yeah, converting that IDPS and and pushing it over to the kids from a investment point of view is not gonna work No.","start":1549.95,"end":1556.83,"sentiment":"neutral","sentiment_score":-0.2897010153780381},{"text":"Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.","start":1556.9099,"end":1561.01,"sentiment":"negative","sentiment_score":-0.5128926946358248}],"sentiment":"negative","sentiment_score":-0.354191813646382,"channel":0,"num_words":131,"start":1517.685,"end":1561.01},{"sentences":[{"text":"So, I mean, you guys are looking at our situation from the bird's eye view.","start":1563.7949,"end":1568.4349,"sentiment":"neutral","sentiment_score":-0.11133142908414205},{"text":"What would you honestly recommend then?","start":1568.4349,"end":1570.615,"sentiment":"neutral","sentiment_score":-0.026450730860233307},{"text":"What is okay.","start":1572.275,"end":1573.395,"sentiment":"neutral","sentiment_score":0.0817965641617775},{"text":"So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess.","start":1573.395,"end":1579.33,"sentiment":"neutral","sentiment_score":-0.10319844484329224},{"text":"Unless you have an answer, then I'm more than comfortable for you to put it out there.","start":1579.33,"end":1582.5499,"sentiment":"neutral","sentiment_score":-0.14179719327127233}],"sentiment":"neutral","sentiment_score":-0.09960302326715353,"channel":0,"num_words":66,"start":1563.7949,"end":1582.5499},{"sentences":[{"text":"But what is the intention with this account, and how do you want it to be split and used for?","start":1582.61,"end":1589.11,"sentiment":"neutral","sentiment_score":0.09578204415738582},{"text":"And once you figure that out between the two of you, it'll give a really clear answer because all the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide.","start":1591.7351,"end":1627.465,"sentiment":"neutral","sentiment_score":0.0020190825634593262},{"text":"That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it.","start":1627.6849,"end":1636.51,"sentiment":"neutral","sentiment_score":0.046018838374452156},{"text":"And there are a couple of options with liquidating it.","start":1636.65,"end":1638.89,"sentiment":"neutral","sentiment_score":0.0774417646229267},{"text":"Just depends on how you guys wanna do that.","start":1638.89,"end":1641.31,"sentiment":"neutral","sentiment_score":0.07706428070863088}],"sentiment":"neutral","sentiment_score":0.027153714702409855,"channel":0,"num_words":170,"start":1582.61,"end":1641.31},{"sentences":[{"text":"Or the third option is, yeah, it goes to one person over the other and there's compensation in some way.","start":1641.61,"end":1648.925,"sentiment":"neutral","sentiment_score":0.019907596451230348}],"sentiment":"neutral","sentiment_score":0.019907596451230348,"channel":0,"num_words":20,"start":1641.61,"end":1648.925},{"sentences":[{"text":"The the intent with this account is purely because I inherited this from my parents passing away.","start":1650.565,"end":1656.5,"sentiment":"neutral","sentiment_score":-0.07922546477878795},{"text":"So this the contribution was from my parents.","start":1656.5,"end":1659.88,"sentiment":"neutral","sentiment_score":0.22618667222559452}],"sentiment":"neutral","sentiment_score":0.01850641906261444,"channel":1,"num_words":25,"start":1650.565,"end":1659.88},{"sentences":[{"text":"Yeah.","start":1660.68,"end":1661.18,"sentiment":"positive","sentiment_score":0.35451507568359375}],"sentiment":"positive","sentiment_score":0.35451507568359375,"channel":0,"num_words":1,"start":1660.68,"end":1661.18},{"sentences":[{"text":"The intent from it, from the 150,000 that was put in there was for the kids to for them for their future.","start":1661.78,"end":1668.495,"sentiment":"positive","sentiment_score":0.38308232954957266},{"text":"So, ideally, everything is for the kids.","start":1668.495,"end":1672.6549,"sentiment":"positive","sentiment_score":0.39591030350753237},{"text":"It isn't for us.","start":1672.6549,"end":1673.695,"sentiment":"neutral","sentiment_score":-0.3172783888876438},{"text":"It isn't for me or for Hailey.","start":1673.695,"end":1675.3949,"sentiment":"negative","sentiment_score":-0.37985931124006},{"text":"There's no benefit for either of us.","start":1676.2549,"end":1678.2749,"sentiment":"negative","sentiment_score":-0.39542106219700407}],"sentiment":"neutral","sentiment_score":0.09581079159645324,"channel":1,"num_words":47,"start":1661.78,"end":1678.2749},{"sentences":[{"text":"The benefit is purely for the kids.","start":1678.495,"end":1680.33,"sentiment":"neutral","sentiment_score":0.16864329044307982},{"text":"That's my intention.","start":1680.57,"end":1681.5299,"sentiment":"neutral","sentiment_score":0.1258219008644422},{"text":"That's what my parents would like because, obviously, they died.","start":1681.5299,"end":1685.87,"sentiment":"neutral","sentiment_score":-0.15165841709822417},{"text":"They got nothing left.","start":1686.09,"end":1687.13,"sentiment":"neutral","sentiment_score":-0.269788533449173},{"text":"So the intent is for the this money for the kids purely just for the kids, not for me or Hailey.","start":1687.13,"end":1692.99,"sentiment":"neutral","sentiment_score":0.12540062410490854}],"sentiment":"neutral","sentiment_score":0.0354587452693118,"channel":1,"num_words":45,"start":1678.495,"end":1692.99},{"sentences":[{"text":"So I did see the situation would be solely one person, and it everything can just go straight to the kids.","start":1695.335,"end":1702.555,"sentiment":"neutral","sentiment_score":0.14339258805626914}],"sentiment":"neutral","sentiment_score":0.14339258805626914,"channel":1,"num_words":21,"start":1695.335,"end":1702.555},{"sentences":[{"text":"Okay.","start":1703.7,"end":1704.2,"sentiment":"neutral","sentiment_score":0.1273428052663803},{"text":"So, yeah, it's it it now it then comes down to how you guys wanna split that account.","start":1705.38,"end":1711.46,"sentiment":"neutral","sentiment_score":0.07074248418211937},{"text":"So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards.","start":1711.46,"end":1725.0651,"sentiment":"neutral","sentiment_score":0.10429974623462733},{"text":"The decision gets made as to what happens for that account.","start":1726.245,"end":1731.29,"sentiment":"neutral","sentiment_score":0.17590084807439285},{"text":"Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.","start":1731.29,"end":1750.625,"sentiment":"neutral","sentiment_score":0.19920445531606673}],"sentiment":"neutral","sentiment_score":0.14278833109598893,"channel":0,"num_words":104,"start":1703.7,"end":1750.625},{"sentences":[{"text":"So that way, I guess, there's assurance for both of you that that's what the money is going to be used for.","start":1750.625,"end":1756.885,"sentiment":"positive","sentiment_score":0.3416328443722291},{"text":"But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future.","start":1757.985,"end":1774.755,"sentiment":"neutral","sentiment_score":0.013805618602782488},{"text":"So, for example, say let's just say one of the kids goes to or both the kids go to a private education, and they decide to pick up the trombone, and that's, like, a $4 instrument probably.","start":1774.755,"end":1785.1749,"sentiment":"neutral","sentiment_score":0.09059283660875785},{"text":"You know?","start":1786.74,"end":1786.98,"sentiment":"neutral","sentiment_score":-0.023665226995944977},{"text":"And the $4 is not sitting there, and money needs to be accessed to to fund that.","start":1786.98,"end":1791.32,"sentiment":"neutral","sentiment_score":-0.176035934511353}],"sentiment":"neutral","sentiment_score":0.06869243111506831,"channel":0,"num_words":123,"start":1750.625,"end":1791.32},{"sentences":[{"text":"That can be withdrawn from the child bond.","start":1791.46,"end":1793.96,"sentiment":"neutral","sentiment_score":-0.09293336095288396},{"text":"It's just I guess, it's dependent on what you guys specifically want.","start":1795.54,"end":1799.38,"sentiment":"neutral","sentiment_score":-0.074931719340384},{"text":"But the money came from, I guess, Ben's family.","start":1799.38,"end":1802.215,"sentiment":"neutral","sentiment_score":-0.05202352214190695},{"text":"So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner.","start":1802.215,"end":1811.275,"sentiment":"neutral","sentiment_score":0.019053862268186134},{"text":"Yeah.","start":1814.8999,"end":1815.0599,"sentiment":"neutral","sentiment_score":-0.019067957997322083}],"sentiment":"neutral","sentiment_score":-0.03191864801535629,"channel":0,"num_words":53,"start":1791.46,"end":1815.0599},{"sentences":[{"text":"Sorry.","start":1815.0599,"end":1815.38,"sentiment":"neutral","sentiment_score":-0.06751646846532822},{"text":"The bond.","start":1815.38,"end":1816.12,"sentiment":"neutral","sentiment_score":-0.07168075442314148},{"text":"Bond is not IDP.","start":1816.1799,"end":1816.98,"sentiment":"neutral","sentiment_score":-0.09075527265667915},{"text":"Yes.","start":1816.98,"end":1817.14,"sentiment":"neutral","sentiment_score":-0.03773583099246025},{"text":"But same thing.","start":1817.14,"end":1817.96,"sentiment":"neutral","sentiment_score":-0.03795849407712618}],"sentiment":"neutral","sentiment_score":-0.0659554891965606,"channel":0,"num_words":11,"start":1815.0599,"end":1817.96},{"sentences":[{"text":"Yeah.","start":1819.38,"end":1819.88,"sentiment":"neutral","sentiment_score":-0.02894582226872444},{"text":"Or whether, as I said, we it gets split in half.","start":1820.34,"end":1823.5599,"sentiment":"neutral","sentiment_score":-0.05296382274140011},{"text":"Half goes to Hailey.","start":1823.86,"end":1824.74,"sentiment":"neutral","sentiment_score":-0.013170130085200071},{"text":"Half goes to Ben.","start":1824.74,"end":1825.88,"sentiment":"neutral","sentiment_score":-0.028146877884864807},{"text":"Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence.","start":1825.94,"end":1837.055,"sentiment":"neutral","sentiment_score":-0.1961456531037887}],"sentiment":"neutral","sentiment_score":-0.1399653467150139,"channel":0,"num_words":56,"start":1819.38,"end":1837.055},{"sentences":[{"text":"And it's realistically, it can be an unfair split sometimes.","start":1837.3551,"end":1841.435,"sentiment":"neutral","sentiment_score":-0.2910536974668503},{"text":"It can be that more assets go to one over the other.","start":1841.435,"end":1843.995,"sentiment":"neutral","sentiment_score":-0.22900326922535896},{"text":"It's just the decision that has to be made in terms of what you guys are both comfortable with moving forward.","start":1843.995,"end":1852.23,"sentiment":"neutral","sentiment_score":-0.09772121941759473}],"sentiment":"neutral","sentiment_score":-0.17931911193354186,"channel":0,"num_words":43,"start":1837.3551,"end":1852.23},{"sentences":[{"text":"Yeah.","start":1854.655,"end":1854.975,"sentiment":"neutral","sentiment_score":0.12781378626823425},{"text":"No worries.","start":1854.975,"end":1855.53,"sentiment":"neutral","sentiment_score":0.22653208673000336},{"text":"Well, I I do appreciate your advice.","start":1855.61,"end":1857.29,"sentiment":"positive","sentiment_score":0.6182325822966439},{"text":"I'm happy to take the rest of it offline with Vanessa and then obviously with my lawyer.","start":1857.29,"end":1862.5901,"sentiment":"positive","sentiment_score":0.536263446597492}],"sentiment":"positive","sentiment_score":0.5194438751097079,"channel":1,"num_words":27,"start":1854.655,"end":1862.5901},{"sentences":[{"text":"Yes.","start":1863.665,"end":1864.165,"sentiment":"neutral","sentiment_score":0.20348896086215973},{"text":"No.","start":1864.305,"end":1864.4651,"sentiment":"neutral","sentiment_score":0.129429429769516},{"text":"That's absolutely okay.","start":1864.4651,"end":1865.525,"sentiment":"positive","sentiment_score":0.33402283986409503},{"text":"Did you both","start":1866.545,"end":1867.185,"sentiment":"neutral","sentiment_score":0.19023961325486502}],"sentiment":"neutral","sentiment_score":0.2382132187485695,"channel":0,"num_words":8,"start":1863.665,"end":1867.185},{"sentences":[{"text":"K.","start":1866.97,"end":1867.47,"sentiment":"neutral","sentiment_score":0.16066974401474}],"sentiment":"neutral","sentiment_score":0.16066974401474,"channel":1,"num_words":1,"start":1866.97,"end":1867.47},{"sentences":[{"text":"have any questions at all with regards to the account or where you wanna, like any any questions?","start":1867.185,"end":1874.16,"sentiment":"neutral","sentiment_score":0.10090452680985133}],"sentiment":"neutral","sentiment_score":0.10090452680985133,"channel":0,"num_words":18,"start":1867.185,"end":1874.16},{"sentences":[{"text":"No.","start":1875.315,"end":1875.5549,"sentiment":"neutral","sentiment_score":-0.15159696340560913}],"sentiment":"neutral","sentiment_score":-0.15159696340560913,"channel":1,"num_words":1,"start":1875.315,"end":1875.5549},{"sentences":[{"text":"Well,","start":1875.5,"end":1875.7401,"sentiment":"neutral","sentiment_score":-0.08982531726360321}],"sentiment":"neutral","sentiment_score":-0.08982531726360321,"channel":0,"num_words":1,"start":1875.5,"end":1875.7401},{"sentences":[{"text":"No.","start":1875.5549,"end":1875.715,"sentiment":"neutral","sentiment_score":-0.2652556002140045},{"text":"No","start":1875.715,"end":1875.955,"sentiment":"negative","sentiment_score":-0.4033896327018738}],"sentiment":"negative","sentiment_score":-0.33432261645793915,"channel":1,"num_words":2,"start":1875.5549,"end":1875.955},{"sentences":[{"text":"I think","start":1875.7401,"end":1876.14,"sentiment":"negative","sentiment_score":-0.36476272344589233}],"sentiment":"negative","sentiment_score":-0.36476272344589233,"channel":0,"num_words":2,"start":1875.7401,"end":1876.14},{"sentences":[{"text":"more.","start":1875.955,"end":1876.455,"sentiment":"negative","sentiment_score":-0.37717849016189575}],"sentiment":"negative","sentiment_score":-0.37717849016189575,"channel":1,"num_words":1,"start":1875.955,"end":1876.455},{"sentences":[{"text":"as it stands, it just keeps going as is till we obviously make a decision.","start":1876.14,"end":1880.7201,"sentiment":"neutral","sentiment_score":-0.31508905490239464},{"text":"I mean, I do because this is recorded.","start":1882.54,"end":1884.4801,"sentiment":"neutral","sentiment_score":-0.004472006112337112},{"text":"I have obviously contributed to that account previously, like, for for about at least six months with individual deposits.","start":1885.365,"end":1892.885,"sentiment":"neutral","sentiment_score":-0.006908591836690903},{"text":"Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off.","start":1892.885,"end":1900.005,"sentiment":"neutral","sentiment_score":-0.1979428106546402},{"text":"But as Ben said, he wanted it changed, and I respect that.","start":1900.005,"end":1904.92,"sentiment":"neutral","sentiment_score":0.1872259515027205}],"sentiment":"neutral","sentiment_score":-0.0961422020970266,"channel":0,"num_words":79,"start":1876.14,"end":1904.92},{"sentences":[{"text":"And it can go to the kids, and that's what we agree now.","start":1904.92,"end":1907.4801,"sentiment":"neutral","sentiment_score":0.26762814132066876},{"text":"But his parents there was nothing in writing from his parents.","start":1907.4801,"end":1911.4801,"sentiment":"neutral","sentiment_score":-0.24634209139780563},{"text":"That's just the wishes that changed that unfolded.","start":1911.4801,"end":1913.8201,"sentiment":"neutral","sentiment_score":-0.18496954441070557},{"text":"Yeah.","start":1916.9551,"end":1917.4551,"sentiment":"neutral","sentiment_score":0.01801380142569542},{"text":"So","start":1917.515,"end":1918.015,"sentiment":"neutral","sentiment_score":0.0266568586230278}],"sentiment":"neutral","sentiment_score":-0.019578907748355585,"channel":0,"num_words":34,"start":1904.92,"end":1918.015},{"sentences":[{"text":"That's all fine.","start":1917.76,"end":1918.48,"sentiment":"neutral","sentiment_score":0.14245267460743585},{"text":"Look, we're not gonna continue this.","start":1918.48,"end":1920.105,"sentiment":"negative","sentiment_score":-0.467816228667895},{"text":"So I'm happy to end the conversation now and take this up with our own advisers.","start":1920.265,"end":1926.205,"sentiment":"positive","sentiment_score":0.5978075452148914}],"sentiment":"neutral","sentiment_score":0.28741525501012805,"channel":1,"num_words":25,"start":1917.76,"end":1926.205},{"sentences":[{"text":"Thank you.","start":1927.4501,"end":1928.17,"sentiment":"positive","sentiment_score":0.6316823065280914},{"text":"Absolutely.","start":1928.17,"end":1928.67,"sentiment":"positive","sentiment_score":0.4243427515029907},{"text":"Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund?","start":1929.05,"end":1937.87,"sentiment":"neutral","sentiment_score":-0.007090175931807607},{"text":"Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200?","start":1938.49,"end":1957.095,"sentiment":"neutral","sentiment_score":0.03782182791384689},{"text":"Yeah.","start":1958.5,"end":1958.9,"sentiment":"neutral","sentiment_score":0.04547017812728882}],"sentiment":"neutral","sentiment_score":0.03937780756943969,"channel":0,"num_words":93,"start":1927.4501,"end":1958.9},{"sentences":[{"text":"That's fine.","start":1958.9,"end":1959.8,"sentiment":"neutral","sentiment_score":0.09851166605949402},{"text":"Ben, were you happy with that?","start":1962.82,"end":1964.36,"sentiment":"neutral","sentiment_score":0.10677243272463481}],"sentiment":"neutral","sentiment_score":0.10470724105834961,"channel":0,"num_words":8,"start":1958.9,"end":1964.36},{"sentences":[{"text":"Cool.","start":1964.15,"end":1964.47,"sentiment":"neutral","sentiment_score":0.2573377788066864},{"text":"Yeah.","start":1964.47,"end":1964.79,"sentiment":"neutral","sentiment_score":0.20274357497692108},{"text":"That's fine.","start":1964.79,"end":1965.53,"sentiment":"neutral","sentiment_score":0.31973084807395935}],"sentiment":"neutral","sentiment_score":0.27488576248288155,"channel":1,"num_words":4,"start":1964.15,"end":1965.53},{"sentences":[{"text":"Perfect.","start":1966.34,"end":1966.74,"sentiment":"positive","sentiment_score":0.6882045269012451},{"text":"I will get that change happening tonight.","start":1966.74,"end":1968.52,"sentiment":"positive","sentiment_score":0.6153309174946376},{"text":"Thank you.","start":1969.635,"end":1970.375,"sentiment":"positive","sentiment_score":0.6317971646785736},{"text":"Thank you so much for both of your time.","start":1970.915,"end":1972.515,"sentiment":"positive","sentiment_score":0.7218043539259169},{"text":"I really appreciate it.","start":1972.515,"end":1973.895,"sentiment":"positive","sentiment_score":0.7736226171255112}],"sentiment":"positive","sentiment_score":0.6891236927198328,"channel":0,"num_words":23,"start":1966.34,"end":1973.895},{"sentences":[{"text":"And I will leave everything for the your two advisers to discuss with you guys independently.","start":1973.9551,"end":1978.295,"sentiment":"positive","sentiment_score":0.4441530741751194},{"text":"And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that.","start":1978.915,"end":1985.6699,"sentiment":"positive","sentiment_score":0.4403844749927521},{"text":"Okay?","start":1985.6699,"end":1986.1699,"sentiment":"neutral","sentiment_score":0.2669343650341034},{"text":"Thank you.","start":1986.87,"end":1987.69,"sentiment":"positive","sentiment_score":0.4834758788347244},{"text":"Thanks, guys.","start":1988.7899,"end":1989.51,"sentiment":"positive","sentiment_score":0.5776931643486023}],"sentiment":"positive","sentiment_score":0.4457681198482928,"channel":0,"num_words":46,"start":1973.9551,"end":1989.51},{"sentences":[{"text":"Have a good day.","start":1989.51,"end":1990.4099,"sentiment":"positive","sentiment_score":0.6089468598365784}],"sentiment":"positive","sentiment_score":0.6089468598365784,"channel":0,"num_words":4,"start":1989.51,"end":1990.4099},{"sentences":[{"text":"You","start":1990.5109,"end":1990.7509,"sentiment":"neutral","sentiment_score":0.2908925414085388}],"sentiment":"neutral","sentiment_score":0.2908925414085388,"channel":1,"num_words":1,"start":1990.5109,"end":1990.7509},{"sentences":[{"text":"You","start":1990.5499,"end":1990.7899,"sentiment":"neutral","sentiment_score":0.27692633867263794}],"sentiment":"neutral","sentiment_score":0.27692633867263794,"channel":0,"num_words":1,"start":1990.5499,"end":1990.7899},{"sentences":[{"text":"too.","start":1990.7509,"end":1990.9908,"sentiment":"neutral","sentiment_score":0.2529451847076416}],"sentiment":"neutral","sentiment_score":0.2529451847076416,"channel":1,"num_words":1,"start":1990.7509,"end":1990.9908},{"sentences":[{"text":"too.","start":1990.7899,"end":1991.2899,"sentiment":"neutral","sentiment_score":0.18455958366394043}],"sentiment":"neutral","sentiment_score":0.18455958366394043,"channel":0,"num_words":1,"start":1990.7899,"end":1991.2899},{"sentences":[{"text":"Bye.","start":1990.9908,"end":1991.4908,"sentiment":"neutral","sentiment_score":0.13564854860305786}],"sentiment":"neutral","sentiment_score":0.13564854860305786,"channel":1,"num_words":1,"start":1990.9908,"end":1991.4908},{"sentences":[{"text":"Bye.","start":1991.35,"end":1991.85,"sentiment":"neutral","sentiment_score":0.0858147144317627}],"sentiment":"neutral","sentiment_score":0.0858147144317627,"channel":0,"num_words":1,"start":1991.35,"end":1991.85}]},"summary":{"result":"success","short":"The speaker discusses the transfer of an investment bond into a new investment bond and the need for a tax return. They suggest sending an adviser an email to clarify the situation and provide clarity. The process is discussed, including liquidating the account and setting up an investment account for the children. The speakers emphasize the importance of setting up an account for the kids to avoid exceeding the $125% rule and offer to become a mediator between parties. The process will continue until a decision is made based on the specific financial situation and contribution."},"intents":{"segments":[{"text":"So if you are happy with that, what I might do is I will get our head of advice, Larissa, to come in to Mhmm. the call now, and then we will call Hailey in as well just so that she can explain for both of you so you guys are both on the same page when it comes to the IDPS and the investment just so that everyone's getting the same information. Would you be comfortable with that? Yeah.","start_word":93,"end_word":172,"intents":[{"intent":"Clarify idps and investment situation","confidence_score":0.000113202295}]},{"text":"Can I get the advice first? Because I don't really know what we're discussing. Yes.","start_word":174,"end_word":188,"intents":[{"intent":"Get advice","confidence_score":0.52220744}]},{"text":"So it won't be advice that we're given. So the only thing that she will do so her name is Larissa, and she Uh-huh. will just kind of explain the situation that we can't actually give you advice yet until we actually do the research and put a recommendation together.","start_word":189,"end_word":238,"intents":[{"intent":"Put recommendations together","confidence_score":0.0019993589}]},{"text":"So what I I really want to know is Yes. if I if it stays exactly how it is, what Yep. tax am I up for and what have I gotta pay?","start_word":427,"end_word":458,"intents":[{"intent":"Clarify tax return information","confidence_score":0.0022910067}]},{"text":"So would the kids need a tax file number Not to have for that an invest not for an investment bond. I don't.","start_word":762,"end_word":784,"intents":[{"intent":"Define investment bond requirements","confidence_score":0.0004524337}]},{"text":"is the situation we are looking at, and then provide kind of clarity in regards to the investment bond wasn't a recommendation. It's a potential option that we can explore. Does that make sense? Yeah.","start_word":1263,"end_word":1297,"intents":[{"intent":"Clarify information","confidence_score":0.011946685}]},{"text":"I am not intimately aware of either of your files, so there's not gonna be any breach of privacy on either either side. It's just gonna be very much a plain and simple general conversation. Yep. K?","start_word":1512,"end_word":1548,"intents":[{"intent":"Clarify information","confidence_score":0.1842705}]},{"text":"That was that has been relayed to Ben. Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay. But that's kind of what I at least thought we were progressing towards.","start_word":1922,"end_word":1968,"intents":[{"intent":"Provide guidance","confidence_score":0.001076372}]},{"text":"Based on what Hailey just said, the intention is for that money to be for the kids. Is that correct, Sam? Yes.","start_word":2190,"end_word":2211,"intents":[{"intent":"Confirm intents","confidence_score":0.0022584416}]},{"text":"So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself.","start_word":2215,"end_word":2245,"intents":[{"intent":"Discuss anniversaries","confidence_score":0.00009086201}]},{"text":"But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond.","start_word":2246,"end_word":2296,"intents":[{"intent":"Discuss child bond","confidence_score":0.35665226}]},{"text":"And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid.","start_word":2297,"end_word":2319,"intents":[{"intent":"Discuss tax implications","confidence_score":0.4129086}]},{"text":"So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account.","start_word":2360,"end_word":2412,"intents":[{"intent":"Decide account liquidation","confidence_score":0.027737036}]},{"text":"So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you.","start_word":2360,"end_word":2418,"intents":[{"intent":"Consider future consideration","confidence_score":0.42181468}]},{"text":"So for to to explain that, I guess, is that you could liquidate the money.","start_word":2443,"end_word":2457,"intents":[{"intent":"Discuss libation options","confidence_score":0.00007592502}]},{"text":"So with the child builder, is it a very spec specific I am tripping over that word today. It's very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult, basically, trustee for that account.","start_word":2811,"end_word":2858,"intents":[{"intent":"Set up account","confidence_score":0.42609835},{"intent":"Set up account","confidence_score":0.2051243}]},{"text":"But if you see out for ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start_word":3035,"end_word":3080,"intents":[{"intent":"Set age","confidence_score":0.3870353}]},{"text":"The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.","start_word":3098,"end_word":3122,"intents":[{"intent":"Move account","confidence_score":0.02037869}]},{"text":"So it the accounts are what is called tax paid after ten years.","start_word":3168,"end_word":3180,"intents":[{"intent":"Remove tax","confidence_score":0.00007405558}]},{"text":"So what would be or is there a monthly contribution that is needed to be made?","start_word":3315,"end_word":3330,"intents":[{"intent":"Set up monthly contributions","confidence_score":0.027203828}]},{"text":"It's not the end of the world, especially when the can I ask how old are the kids?","start_word":3615,"end_word":3632,"intents":[{"intent":"Calculate retirement age","confidence_score":0.000099137345}]},{"text":"But, yeah, converting that IDPS and and pushing it over to the kids from a investment point of view is not gonna work No.","start_word":3988,"end_word":4011,"intents":[{"intent":"Explaining idps classification","confidence_score":0.000017128006}]},{"text":"But what is the intention with this account, and how do you want it to be split and used for?","start_word":4100,"end_word":4119,"intents":[{"intent":"Discussing preference for splitting","confidence_score":0.00036091413},{"intent":"Discussing financial relationships","confidence_score":0.000049325005}]},{"text":"The intent from it, from the 150,000 that was put in there was for the kids to for them for their future. So, ideally, everything is for the kids. It isn't for us. It isn't for me or for Hailey. There's no benefit for either of us. The benefit is purely for the kids. That's my intention.","start_word":4316,"end_word":4372,"intents":[{"intent":"Inquire about benefits for kids","confidence_score":7.387456e-7}]},{"text":"And the $4 is not sitting there, and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just I guess, it's dependent on what you guys specifically want. But the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Yeah.","start_word":4640,"end_word":4709,"intents":[{"intent":"Define funds","confidence_score":0.00013674906}]},{"text":"Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Yeah.","start_word":5053,"end_word":5110,"intents":[{"intent":"Swap asset","confidence_score":0.03896488}]},{"text":"Thank you so much for both of your time. I really appreciate it. And I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay? Thank you.","start_word":5133,"end_word":5189,"intents":[{"intent":"Discuss options with advisers","confidence_score":0.015630985},{"intent":"Establish mediator","confidence_score":0.004498773}]}]},"sentiments":{"segments":[{"text":"Hello. Is this Ben?","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.04783393070101738},{"text":"Good.","start_word":4,"end_word":4,"sentiment":"positive","sentiment_score":0.3482780456542969},{"text":"You you there? Yeah. Can you hear me okay? Yeah. Yeah. Yeah. I've got you now. Yeah.","start_word":5,"end_word":21,"sentiment":"neutral","sentiment_score":0.10011287778615952},{"text":"Beautiful.","start_word":22,"end_word":22,"sentiment":"positive","sentiment_score":0.5324611663818359},{"text":"So I have spoken through Hailey's adviser. Now her Yes. adviser is currently on paternity leave. So I've spoken to our head of advice because she knows everything in regards to Hailey's situation as well. Yep. So just for clarity as well, just so we all are kind of on the same page, because what I told her as well, she was like, oh, yeah. That that that makes sense. So if you are happy with that, what I might do is I will get our head of advice, Larissa, to come in to Mhmm. the call now, and then we will call Hailey in as well just so that she can explain for both of you so you guys are both on the same page when it comes to the IDPS and the investment just so that everyone's getting the same information. Would you be comfortable with that? Yeah. Yeah. Can I get the advice first? Because I don't really know what we're discussing. Yes. So it won't be advice that we're given. So the only thing that she will do so her name is Larissa, and she Uh-huh. will just kind of explain the situation that we can't actually give you advice yet until we actually do the research and put a recommendation together. So she won't be, oh, we suggest that you do sell this or move it into this because we can't actually do that until we've done a proposal and put it all in a strategy paper. So the only thing she's going to do is just like a general, okay. This is where things are at at the moment, which is obviously with the consent order, and that currently stipulates that that you guys will go into the investment bond. She clarified it with Haley that we can't actually do that because we haven't given any advice in regards to that yet.","start_word":23,"end_word":340,"sentiment":"neutral","sentiment_score":0.009906766936182976},{"text":"So it's we can't even say, oh, yes. That is a good or bad idea because it's not even a recommendation as of yet. So it's a bit too early to do that.","start_word":341,"end_word":373,"sentiment":"negative","sentiment_score":-0.41923392631790857},{"text":"Does that make sense? Yeah. It does.","start_word":374,"end_word":380,"sentiment":"neutral","sentiment_score":-0.1016063466668129},{"text":"So that's it's very confusing because Hailey's Yes.","start_word":381,"end_word":388,"sentiment":"negative","sentiment_score":-0.3996945917606354},{"text":"told me that given the advice and this is what we should look at doing. And Exactly. Which so is where their confusion is because that was never given to her okay. from So my understanding. yeah. Yeah. So what I I really want to know is Yes. if I if it stays exactly how it is, what Yep. tax am I up for and what have I gotta pay? So if everything stays exactly the way that it is right now with you both having a fifty fifty split. So if nothing changes, then it will be exactly the same that when you do your tax return, any, like, income or anything from the investments will be added when you do your tax return. That will be obviously as per your marginal tax rate. And it's only when you guys sell the investment that you pay capital gains tax. They're only taxed on the dividend. So what's been made? Is that Correct. correct? Correct. Yeah. Yeah. So So it's, 20 like, kind 20,000 of like a roughly dollars. a get exactly. So it's like if you have Yep. a bank account, you don't get taxed. But say you have 50,000 on the bank account, you don't get taxed You on the 50,000. But if the interest you made was $2,000, you declare get the $2,000 interest and then you pay tax on that. Does that make sense? back yeah. Yeah. That makes sense. So if I was Yeah. to move to this supposed child account, whatever Yes. that right? What would I be looking at there? Would I still have to pay tax there as well? No. So with the investment bond, it would not be taxed on your that you wouldn't have to declare it on your tax return or anything like that. To move it into the investment bond, because we would have to sell the investment you currently have in the IDPS, you would then have to pay 50% of the earnings, so you'd have to pay capital gains tax on that. If I was to sell what we currently have now to transfer Correct. it over. And Yep. transfer it over to an investment bond. Yes. Yep. Yep. So would the kids need a tax file number Not to have for that an invest not for an investment bond. I don't. no. Okay. So that would still need to remain in both mine and Hailey's name. Is that correct? As No. Because it can be have multiple bonds. So depending on what is going to be the best, it could be a matter of you having individual. So whether you guys wanted together, set it up jointly, you can do that. Or if when, let's say, you if if it was that you guys decide, oh, let's just sell it, the IDPF split it, and then half of it goes to you. If you decide that you want to put that to your kids, then you can be the sole owner of it and then have it directly to your kids. And then whatever she decides to do with her portion, if she decides to do also investment bonds that she have control over, she can do that or whatever she wants to do. Look, maybe it is best to get try and get Hailey on the phone. I Well, think so. I'd like Just so to she has the right information. be all on the same page because I I feel Yes. like she's trying to pass. Exactly. And that's why I was like, I was when I was speaking to Larissa, I was like, this is my understanding. This is where it Yeah. is.","start_word":389,"end_word":1009,"sentiment":"neutral","sentiment_score":-0.009646818287754596},{"text":"That it was put it in the consent order seemed a little bit, you know, premature in that way because we don't even know if it's I don't even know yet whether that is a recommendation that I think you should or should not do because they haven't done the research to Yeah.","start_word":1010,"end_word":1062,"sentiment":"negative","sentiment_score":-0.394603043794632},{"text":"determine that yet. Who her adviser was? Was it Jody? It was Tommy, so he's Yeah. currently on paternity leave. So Yeah. that's why I was like, okay. Let's Yeah. Email. let's get what was that? Sorry. Hello? Yep. Can you hear me? Yeah. I gotcha. Yeah. Because he Yep. sent her an email regarding the this new account. The scent sorry. Because I don't have access to the Larissa Investment at Benelong under underperformance. yes. Sorry. Larissa will have access. Because of, obviously, privacy, I can't view any Yeah. correspondence Yeah. Yeah. Yeah. No. between Of them. course. But Larissa, as head of advice, being impartial, obviously, in this situation will Yep. have access to it. So she can have a look to see whether that was advice, which I don't think. I think it was just a general, hey. This is There a you potential go. option. But then Yep. she can clarify that with Hailey on the phone as well, Yep. and she won't provide any advice or tell you guys I think you should do x y zed. It'd Yep. literally be more of a conversation of this is where things are at currently. This Yep. is the situation we are looking at, and then provide kind of clarity in regards to the investment bond wasn't a recommendation. It's a potential option that we can explore. Does that make sense? Yeah. Yeah. Absolutely. So I Yes. think it'd be worth to try and get a hold of Yeah. her, Yes. and and we Beautiful. can go from Yeah. So what I'll do is I'll just quickly put you on hold, and I will get Larissa to come in. And she will kind of just run the meeting just so it's impartial so Hailey doesn't yep. think I'm just advertising for Yeah. you. No. That's fair And then we will call Hailey in as well into enough. the call. Okay? So it'll be all four of us. Perfect. Yep. Okay.","start_word":1063,"end_word":1395,"sentiment":"neutral","sentiment_score":-0.020586887945060257},{"text":"Beautiful.","start_word":1396,"end_word":1396,"sentiment":"positive","sentiment_score":0.4121336936950683},{"text":"Just give me three seconds, and I will get them onto the phone for you. Alright. Thanks, Ben. Hi, Ben. My name is Larissa. How are you going?","start_word":1397,"end_word":1424,"sentiment":"neutral","sentiment_score":0.2275509536266327},{"text":"Good. Good. Thank you.","start_word":1425,"end_word":1428,"sentiment":"positive","sentiment_score":0.4451847076416016},{"text":"How are you, ma'am? Yeah.","start_word":1429,"end_word":1433,"sentiment":"neutral","sentiment_score":0.28490665555000305},{"text":"Really good.","start_word":1434,"end_word":1435,"sentiment":"positive","sentiment_score":0.4529297947883606},{"text":"So I'm the head of financial advice. So I'm, I guess, being a mediator between the two advices on my side Yep. Yep. and keeping your files very separated with respect to Yes. everything. Now with your permission, what I wanna do is obviously bring Hailey in. I have given her a heads up that we Yep. were giving her a call and then just have a very general conversation with both of you. Yep. Yep. I am not intimately aware of either of your files, so there's not gonna be any breach of privacy on either either side. It's just gonna be very much a plain and simple general conversation. Yep. K? Yep. It's just more just to get a gain an understanding of what everything is, if that makes Yeah. sense. Absolutely. Same pay. Yep. No Chinese whispers. We'll just Yeah. go from Exactly. there.","start_word":1436,"end_word":1582,"sentiment":"neutral","sentiment_score":0.04081230238080025},{"text":"Perfect. Cool. Thanks.","start_word":1583,"end_word":1585,"sentiment":"positive","sentiment_score":0.5848425626754761},{"text":"Alright. Give me one second, and what I'll do is I will give her a call, and we'll go from there.","start_word":1586,"end_word":1606,"sentiment":"neutral","sentiment_score":0.2095872014760971},{"text":"Perfect. Thank you.","start_word":1607,"end_word":1609,"sentiment":"positive","sentiment_score":0.5688657760620117},{"text":"Not a problem. Alright. Ben and Hailey, you're on the line. Larissa and Veronica here on this side. Hey, Okay. guys.","start_word":1610,"end_word":1630,"sentiment":"neutral","sentiment_score":0.15309953689575195},{"text":"Perfect.","start_word":1631,"end_word":1631,"sentiment":"positive","sentiment_score":0.4485699534416199},{"text":"So what I wanted to, I guess, talk about was the the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names. Now as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only. Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward. Is that correct? Not Yes. really. Okay.","start_word":1632,"end_word":1748,"sentiment":"neutral","sentiment_score":-0.008784878998994827},{"text":"And I I'm more than happy for you to clarify. Yeah.","start_word":1749,"end_word":1759,"sentiment":"positive","sentiment_score":0.6065353751182556},{"text":"From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names. However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names for tax purposes with us as the managers of it. And after that, we haven't really come up to yeah. We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that. There hasn't been a full on discussion about that. It was just my proposal. And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes. Yep. That was that has been relayed to Ben. Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay.","start_word":1760,"end_word":1955,"sentiment":"neutral","sentiment_score":0.00003453676981735043},{"text":"But that's kind of what I at least thought we were progressing towards.","start_word":1956,"end_word":1968,"sentiment":"positive","sentiment_score":0.3471100926399231},{"text":"So from from a from a general perspective only, with the account as it currently stands, 5050% ownership. Yeah. If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then for, like, for example, sake, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT. Oh, I get that for now. Like, once that happens, that's understandable.","start_word":1969,"end_word":2057,"sentiment":"neutral","sentiment_score":0.14229755103588104},{"text":"Yes. It's just for long term moving forward.","start_word":2058,"end_word":2065,"sentiment":"positive","sentiment_score":0.45138272643089294},{"text":"Yeah. So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be. The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be Yeah. I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids. Is that correct, Sam? Yes. That's correct. Yeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself. But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond. And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons. So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in. So for to to explain that, I guess, is that you could liquidate the money. The money goes into a pool, and then whatever tax needs to be paid from that pool is paid, and then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben's, grand is Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just left for you guys to independently pay those taxes.","start_word":2066,"end_word":2540,"sentiment":"neutral","sentiment_score":0.06886079079226444},{"text":"And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money, and Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money.","start_word":2541,"end_word":2585,"sentiment":"positive","sentiment_score":0.37251368165016174},{"text":"So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that. I know the kids are still quite young. So in ten years' time, probably not because we're looking to touch that money, but it's over ten like, ten years plus for those child bonds.","start_word":2586,"end_word":2665,"sentiment":"neutral","sentiment_score":0.09481476992368698},{"text":"Thank you for that. That's okay.","start_word":2666,"end_word":2671,"sentiment":"positive","sentiment_score":0.452523797750473},{"text":"I completely understand that. It's I think I don't know. See what Ben thinks about that. I don't know what he So I I do know Ben's intention is the oh, you go. so do the kids need to pay tax on that? So If it goes into the across to the child one, the the the kids? Yeah. No. So how it happens is do you remember back in the day? You'd be old enough. Do you remember back in the day where you had, like, your Commonwealth Dolomites account? And Yes. you had the account that was in your name, but mom and dad mom and dad were basically the trustees of that account, Yep. and mom and dad had to sign off on everything for that money to come out? Uh-huh. Same kind of concept. So with the child builder, is it a very spec specific I am tripping over that word today. It's very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult, basically, trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has, and then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen. Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out for ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start_word":2672,"end_word":3080,"sentiment":"neutral","sentiment_score":0.009968706750490846},{"text":"So let's just say at 18, you're happy for the kids to get access to that account. The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder. The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account, they are able to play with that money as much as they want without paying any tax on the draw withdrawings.","start_word":3081,"end_word":3167,"sentiment":"positive","sentiment_score":0.5315827131271362},{"text":"So it the accounts are what is called tax paid after ten years. And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them.","start_word":3168,"end_word":3219,"sentiment":"neutral","sentiment_score":0.2386186234652996},{"text":"And then by the time they do get to earning age where they have a job and, you know, maybe they might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so.","start_word":3220,"end_word":3304,"sentiment":"positive","sentiment_score":0.45118218660354614},{"text":"Nor Capital Gains. Correct? Yes. Nor Capital Gains. Correct. Yep. So what would be or is there a monthly contribution that is needed to be made? You don't have to know. So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made. But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.","start_word":3305,"end_word":3465,"sentiment":"neutral","sentiment_score":0.08769669383764267},{"text":"Sounds convoluted, but it just kind of make sure you don't pay the tax.","start_word":3466,"end_word":3479,"sentiment":"negative","sentiment_score":-0.3503786623477936},{"text":"That's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account. So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is. If you didn't put any money in, that's fine. If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah. But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again. That's all it is. It's not the end of the world, especially when the can I ask how old are the kids? I'm actually not They're almost six and a. Six and a. Okay. Yeah. So if you would yeah. So, I mean, look. Realistically, what a what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're willing to do. Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids or I I set up IDPSs and and investment accounts for my kids back when they were born. And then, you know, in the last few years, I set up a bond. With tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule. Kind of a 125% rule. Sorry. Yeah. So that is just, like, some options that we can explore Yeah. Absolutely. You know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to top the account in half. It's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted. Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with.","start_word":3480,"end_word":3938,"sentiment":"neutral","sentiment_score":-0.07042932210080244},{"text":"Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment.","start_word":3939,"end_word":3962,"sentiment":"negative","sentiment_score":-0.5268218517303467},{"text":"The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now. But, yeah, converting that IDPS and and pushing it over to the kids from a investment point of view is not gonna work No.","start_word":3963,"end_word":4011,"sentiment":"neutral","sentiment_score":-0.30062136054039},{"text":"Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.","start_word":4012,"end_word":4033,"sentiment":"negative","sentiment_score":-0.5204261541366577},{"text":"So, I mean, you guys are looking at our situation from the bird's eye view. What would you honestly recommend then? What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess. Unless you have an answer, then I'm more than comfortable for you to put it out there. But what is the intention with this account, and how do you want it to be split and used for? And once you figure that out between the two of you, it'll give a really clear answer because all the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that. Or the third option is, yeah, it goes to one person over the other and there's compensation in some way. The the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents.","start_word":4034,"end_word":4314,"sentiment":"neutral","sentiment_score":-0.009504377596690138},{"text":"Yeah. The intent from it, from the 150,000 that was put in there was for the kids to for them for their future. So, ideally, everything is for the kids.","start_word":4315,"end_word":4344,"sentiment":"positive","sentiment_score":0.3668135702610016},{"text":"It isn't for us.","start_word":4345,"end_word":4348,"sentiment":"neutral","sentiment_score":-0.3115609884262085},{"text":"It isn't for me or for Hailey. There's no benefit for either of us.","start_word":4349,"end_word":4362,"sentiment":"negative","sentiment_score":-0.377243310213089},{"text":"The benefit is purely for the kids. That's my intention. That's what my parents would like because, obviously, they died. They got nothing left. So the intent is for the this money for the kids purely just for the kids, not for me or Hailey. So I did see the situation would be solely one person, and it everything can just go straight to the kids. Okay. So, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account. Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.","start_word":4363,"end_word":4532,"sentiment":"neutral","sentiment_score":0.10574150830507278},{"text":"So that way, I guess, there's assurance for both of you that that's what the money is going to be used for.","start_word":4533,"end_word":4554,"sentiment":"positive","sentiment_score":0.3456909954547882},{"text":"But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say let's just say one of the kids goes to or both the kids go to a private education, and they decide to pick up the trombone, and that's, like, a $4 instrument probably. You know? And the $4 is not sitting there, and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just I guess, it's dependent on what you guys specifically want. But the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Yeah. Sorry. The bond. Bond is not IDP. Yes. But same thing. Yeah. Or whether, as I said, we it gets split in half. Half goes to Hailey. Half goes to Ben. Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence. And it's realistically, it can be an unfair split sometimes. It can be that more assets go to one over the other. It's just the decision that has to be made in terms of what you guys are both comfortable with moving forward. Yeah. No worries.","start_word":4555,"end_word":4821,"sentiment":"neutral","sentiment_score":-0.05900099856799908},{"text":"Well, I I do appreciate your advice. I'm happy to take the rest of it offline with Vanessa and then obviously with my lawyer.","start_word":4822,"end_word":4845,"sentiment":"positive","sentiment_score":0.5639525055885315},{"text":"Yes. No.","start_word":4846,"end_word":4847,"sentiment":"neutral","sentiment_score":0.16645920276641846},{"text":"That's absolutely okay.","start_word":4848,"end_word":4850,"sentiment":"positive","sentiment_score":0.33623969554901123},{"text":"Did you both K. have any questions at all with regards to the account or where you wanna, like any any questions? No. Well, No.","start_word":4851,"end_word":4875,"sentiment":"neutral","sentiment_score":0.06179509311914444},{"text":"No I think more.","start_word":4876,"end_word":4879,"sentiment":"negative","sentiment_score":-0.3774544298648834},{"text":"as it stands, it just keeps going as is till we obviously make a decision. I mean, I do because this is recorded. I have obviously contributed to that account previously, like, for for about at least six months with individual deposits. Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that. And it can go to the kids, and that's what we agree now. But his parents there was nothing in writing from his parents. That's just the wishes that changed that unfolded. Yeah. So That's all fine.","start_word":4880,"end_word":4995,"sentiment":"neutral","sentiment_score":-0.06216460093855858},{"text":"Look, we're not gonna continue this.","start_word":4996,"end_word":5001,"sentiment":"negative","sentiment_score":-0.5194782018661499},{"text":"So I'm happy to end the conversation now and take this up with our own advisers. Thank you. Absolutely.","start_word":5002,"end_word":5020,"sentiment":"positive","sentiment_score":0.5765109658241272},{"text":"Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Yeah. That's fine. Ben, were you happy with that? Cool. Yeah. That's fine.","start_word":5021,"end_word":5122,"sentiment":"neutral","sentiment_score":0.046430736780166626},{"text":"Perfect. I will get that change happening tonight. Thank you. Thank you so much for both of your time. I really appreciate it. And I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that.","start_word":5123,"end_word":5186,"sentiment":"positive","sentiment_score":0.52946937084198},{"text":"Okay?","start_word":5187,"end_word":5187,"sentiment":"neutral","sentiment_score":0.2669343650341034},{"text":"Thank you. Thanks, guys. Have a good day.","start_word":5188,"end_word":5195,"sentiment":"positive","sentiment_score":0.5678631067276001},{"text":"You You too. too. Bye. Bye.","start_word":5196,"end_word":5201,"sentiment":"neutral","sentiment_score":0.1827317774295807}],"average":{"sentiment":"neutral","sentiment_score":0.03286348038696715}}}}