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The day has run away from me. Yeah. That's okay. So is the month. That's that's alright. How have you been? Yep. Which one? Yes. Yes. Yes. Yes. Yes. Yes. I did say. Yes. The p a s p or double double p a s p. Yeah. No. I yes. I did I did see that email. So I pivoted, and and I incorporated that into the advice based on the amount that you put in. And then just kind of it didn't really change too too much. It just, I guess, changed what I was doing for the year versus everything else, but that's okay. So two, I guess I should open as well. I've emailed you with the statement of advice so that way we can go through it together. Cool. Alright. Well, before we jump into it, I guess, too much, I should let you know that our calls are recorded if you're okay with that. Oh, shit. Alright. So, basically, the the the document has a whole details, I guess, the conversations we went through and then the outcomes to all the research that I put together. Now we obviously talked about a a number of a number of different things. Mainly focus like, the main focus of this advice document is on, like, your superannuation, the retirement strategies, and where that kind of comes to play. We obviously did speak about possible inheritance coming through in the future that was disregarded because time frames. And I did consider the age pension. However, things do possibly change with the inheritance coming through. So I haven't put any sort of, I guess, Centrelink or age pension considerations in this document because we do have the expected change that will occur within the next five years or so. And then, obviously, the house is happening and you guys are building that, and we don't know exactly what the mortgage looks like as yet. So any sort of debt repayment strategies, I can't consider until we have the mortgage. Cool. So what I looked at was tax effectiveness and growth. So one of the goals you had was you were sort of looking at trying to double the the projected balance that you had had sort of looked at. You were looking at sort of at about 2 $100,000. When I went and had a look at, you know, projecting out where your current position sat, I had the same sort of outcome. I think it started at 203 ish. So same sort of outcome on on that front. And, obviously, taking into consideration the fact that you do want to expand and increase to about that $400,000 mark. Now you've currently already put money into your PSAP fund to the amount of $70. Yeah. 77 and a half. Yeah. Now, generally speaking, that money would have landed as a non concessional contribution and will require what's called a notice of intent to claim to be submitted alongside it. Now what that will do is that will convert that those funds from a taxable component into a tax free component. You you have sorry. Other way around. Tax free component into a taxable, and the super fund will tax it, which enables you to then claim those funds back on your tax return. So from a tax perspective, it's going to reduce your taxable income quite considerably this financial year, and we'll give you a bit of tax back when you do submit your tax return, which is fun. With respect to the contribution made, I wanted to confirm because I have drawn up a notice of intent to claim form for you to help you out. Have you at all submitted that form with p, double f, a p yet? Cool. Well, yeah, it's 06/01 half, not the other. Like, you can you have twelve months after the end of the financial year to submit it. So it's not an issue either either way time frame wise. So as the money's in, it can be converted at any point. But I've drafted that up for you to to help you out because it's a not that it's a pain, but it's a bit of a document. Yes. No. So you need to submit the notice of intent to claim document to the Superfund first before you submit your tax return. And then what the Superfund does is, basically, they give you a receipt, and you take that receipt to your account until when you do your tax return, and it works with any kind of deduction, basically. Cool. Yes. Yeah. Yes and no. Like, I understand that that, like, you have had considerable interest incurred, like, especially, like, the million dollars sitting in in the term yeah. Right. Yeah. That's okay. I know that not something you wanna do. Yeah. Yeah. And deal with as well. No. That that's absolutely okay. The the good thing is is that everything's pretty much, like, sitting in your wife's name. So your so you personally, you will actually get a return like, a a refund. It's just your wife's gonna get hit with the tax, which I understand it's all and all the same. But Yeah. It well, it should I mean, depending on how much interest has obviously been accumulated on your wife's side, it will give you a a a definite ability to move forward and and depending on how much your wife has accumulated in tax, your outcome should actually give you quite a bit of a return. Because realistically speaking, your taxable income because you you earn a 102,000. Your taxable income's going to drop down quite considerably this financial year because you've contributed the 77,000, which means that you're going to get quite a bit back because the tax that you should have paid is quite minimal in comparison to what you have paid. So you should be paying about $300 in tax for the year. What you've actually paid is about $23,000 of tax for the year. Right. Yes. No. Not not quite. So the Superfund pays tax. So, basically, for the next little bit, there'll be a double amount of tax that's been paid, and then you get your marginal rate back. So it ends up being, like, if you consider the tax all around, then, yes, the difference is about that that 10 to 12. But because the the Superfund has to pay the Superfund tax, so it pays the 15%. So out of the 77 and a half thousand dollars, like, the Superfund pays, you know, that 15%, which ends up being sort of $11.06 25. And it will pay it from its own pool of money. And then from there, you get your marginal rate back. So you you end up in the hand with that 20. Yeah. No. But when you calculate it and you look at taxes paid, then the the difference is sort of that, you know, $10. But in the hands, you'll end up with it all back. Yeah. Yeah. Because otherwise because what it does is it physically reduces your taxable income. Now, obviously, if you've got income from other sources, which you don't because your only income source is the 100 and the $100, because all of the assets, bank accounts, and everything else is in Linda's name. So you don't incur any additional taxes, not pushing you over any of the caps or anything like that. You're gonna get all of it back, and from that $20, you're gonna be able to then go in well, I mean, Linda pays Linda's bill, really. And, hopefully hopefully, end up still in the green or in the black, I should say. See see how many years. It kind of add up. How many tax returns do you have? Okay. Yeah. That's okay. So that that money's already in. We just need to submit the notice of intent to claim, which, realistically, we can't we just submit just before you go and sit down with your accountant. So yeah. Now outside of that, there's sort of about three or four pages worth of information on on making that contribution and the tax savings and all the rest of the stuff. We I've then made some recommendations based on getting the goals that we're wanting to achieve. So looking at how we can achieve the 400,000 in your super looking, you know, and above. Looking at how we can ultimately grow the funds you have, be tax effective, and hit all the points. I looked at PSAT. The investment offerings under the fund are really limited, and I was pretty not disappointed. Like, I've dealt with the fund before. A lot of the funds are like that, but I was pretty locked on what was accessible under that fund. Due to that and the historical returns, I've actually looked at another fund and going into what's called hub twenty four. I did look at quite a number of different super funds to see what would best work. Hub twenty four worked out from a fees point of view, the fact that they aggregate trade, which means that they trade internally rather than always going to the open market. So it keeps your trading and your your buy sell costs a lot lower. And the platform is really intuitive from a a clientele point of view as well. So transparent, you being able to see, you know, what's happening, what trades are happening, what's being bought and sold, and where everything's moving. So it works really nicely for for you as well. Now what I'm ultimately recommending is that we do a full consolidation from PWSA pay over to Hub twenty four. Now we will only complete that once you submitted the notice of intent to claim. The reason for that is is the notice of intent to claim actually has to be submitted on the funds that you make the contribution to. If you don't submit it to the funds that you've made the contribution to, you lose the ability to claim that. So based on the amount that you've made, we're not gonna trigger any rollovers until you have 100% made that claim and until you have that receipt in hand. And as I said, that that notes of intent can be submitted at any time. Now under Hub 24, we'll then invest it into a portfolio that I've built. I'll go through the portfolio with you in a second. But what we would do is we would obviously redirect your employer contributions over to Hub twenty four as well. The investment options that are offered under PSAP are really limited. So you don't have the ability to diversify in asset holdings as much as what you do under and, like, other funds, but in this specific instance, Hub twenty four. So Hub twenty four allow us to invest in a bunch of different assets under available under market. Now we, internally, we don't invest in anything that's risky. We invest in, you know, exchange trade funds or managed funds that are guaranteed and backed. So when we do our research, we only offer investment grade or above investments. So we don't we don't invest in anything that's risky or anything that's new to market. We wanna make sure that we're obviously popping our clients into investments that are going to be beneficial to them long term, especially when we talk about superannuation. Now PWSA pay only have a very limited investment offering. So they have their multi asset offerings, and that's all they really offer. There's no other ability to diversify out, and the returns that I was finding under PWSA pay just weren't gonna hit the mark for what you wanted to get. So that's why I looked at moving. Yeah. So no. That's okay. Hub twenty four, just like any other, like, super fund are the platform. They are the trustee. So just like your Australian supers or your, you know, Host Plus or qSuper, anything like that, Hub twenty four is a a a super fund trustee. They're actually one of the biggest trustees available with trillions under management, but they are a retail fund, whereas you would be used to seeing your industry funds advertised. So on the, you know, on the on the news and whatever else, it's always, you know, your C bus and your industry funds that will be advertised. Your retail funds don't advertise, and that's because, like, they have a wider offering. So they are an investment platform. So you can you can actually invest under the platform outside of your superannuation as well. So you can actually have, you know, a whole a whole investment account that's kind of connected to your super fund, but personally owned by yourself, which is, you know, which makes it really cool on that side. So more of an investment platform than just a a super funds like your your industry funds are. Yeah. Now, ultimately, what we're gonna look at doing is transferring all of the money that's in your account now over, which would be sitting up over a $100,000 based on the contribution that you've made into the fund, which is great. You look look at you go. You went from, like, $30 or or what else? Over a 100. That would have felt good. Yeah. Let's try. Yeah. Yes. Yes. You did? Yes. So that yes. Yeah. Yep. I sure do. Cool. So mhmm. Yep. Yep. Then from there, what what I'm recommending is if you have a look, you can see the breakdown on page 20 if you have it open. Cool. But page 20 kind of outlines the investment breakdown, so the assets that I'm recommending that we we invest in. So as you'll see, the first word of each line is actually the investment manager. So your BetaShares, iShares, your Vanguard, Global X. They are all investment managers. I'm not recommending any investment manager that hasn't been around for a long time, and the asset that I'm recommending have all been around for a long time as well. Now each of the assets are there to do a different thing. So each of these lines so take Hack, for example. Hack has about 30 different companies or securities in that in that holding. Now Hack is exactly as it says. It says it's a cybersecurity, so it's a bit of, like, thematics in the in the investment. So a bit of spice, basically. It is a little bit more volatile than any of the other assets. We're only I'm only looking at putting 5% in it, but it's there to be able to have that sector, have that cybersecurities, that that investment holding within that sector. So that way, we can get some of the gains that come from that sector because it it is obviously a massive sector that is starting to to build up quite a lot. We then have our next three, which are our our world diversification. So we've got our Europe, our Japan, our Vanguard, all world excluding The US. And, again, these are all small holdings. They're our international holdings. Each of those have another anywhere between ten and fifty assets within them as well. Then our our middle two, I guess, is our S and P 500, which is very, very American heavy, and we have our beta shares Australia 200. You'll notice that these two make up the core of the investment. So what I guess, what this investment's or or strategy is is it's what's referred to as a core and satellite. So you have a a bulk core of your investment, which is where the majority of your money sits, and then you have little satellites that sit out outside that is there to offset any of the the market volatility, which is what you'll find the last two do, the gold and your core composite bond. They are both there to cushion and offset market volatility or to capture growth in different areas. Because you don't wanna be sitting too heavily in, you know, one area versus another. You wanna make sure that you have a good blend of sectors and demographically as well. Makes sense? Cool. Cool. The next couple pages just kinda shows you, I guess, a visual breakdown of everything. Page 22. This shows the fees, the returns, and a breakdown of everything that's sitting there. Now there is obviously a massive difference between p, double f, a p to hub 24 in terms of fees and operational costs. This stage is a like for like of your p, double f, a p to hub 24 as they basically currently stand. So with with the the money that you put in, so you'll see this concessional contribution of $65.08 75. That's because once the tax comes off it, that's the net amount that goes into the fund and what that looks like compounding. So if you pop down to the next page, you'll see that compounding, that's what the outcome is with respect to the accounts after five and seven years. And that's with your current con like, your current employer contributions as they currently stand with the 15% of your current wage and just that one off contribution. I wanted to stage this out so you could see kind of how it flows as we progress the stages. Does that make sense? So this is only stage one as a comparison between the two. Okay? Cool. Now what I wanna do Yes. Which is why we we implement a few other changes. So next financial year, what we would look at doing is make another $9,390 contribution. So that can technically be made anytime during next financial year depending on your cash flow. Obviously, the earlier it goes in, the more compound it has over time, but it just has to be done before June 30 2027. And what that's gonna do is, obviously, it's gonna do the same thing as the $77,000 did by reducing your taxable income. But second to that, it's using up all of your unused concessional caps. So you're not gonna have any carry like, carry forward concessional contribution caps left once you've made this this like, these contributions. So the 77,000 plus the $99,000 uses up all of that space that we that we previously had from years that you hadn't used. Okay? Now following that, what I wanted to do was I actually wanted to look at liquidating some of the assets that your wife has in her name. So the can I butcher the name of it 100%? The the Gyro something or other. I should know this off the top of my head, but sorry. I've looked at it so many times. You'd think I'd remember exactly what it's called. The Griffin. Why was I trying to say Gyro? The the the Griffin assets. Yeah. Yeah. Don't ask me why I butchered that, but anyway so I wanted to look at liquidating those, and the biggest reason is that it'll the interest will reduce the amount of tax that your wife has to pay. So it means that there's not gonna be as much of a push on on that side of things for her with with the tax returns, and it's gonna have a better compound because your 6% that you're earning are well, I mean, Griffin is not it's it's just stock option. So it's it's a it's a different sort of kettle fish, but the returns aren't there within that within that asset that I can see. Yeah. And what I wanna do is I wanna get them that that money compounding for you guys and really working on it rather sort of sitting a bit stagnant. Now that obviously carries a risk that, you know, the asset could theoretically have a, you know, a massive bull and take off, but I wanted to go with something that's a little bit more reliable to help you guys in in actually growing everything. So that's why, like, I wanted to make into your super fund. Yeah. Yes. So we can make that nonconcessionally. So it means that there's no tax benefit to it. It'll just work as compounding for you, though. And because of your age, if there's any need to access it, we can access it, and it's tax free. And that's where that biggest benefit comes from is we're not gonna be, you know, paying tax on any of the gains or anything like that moving forward. Yes. Correct. So I wanted to make that that as a contribution there. Now the biggest part that I probably wanted to go through, if we just jump down to page 32, is I wanted to actually commence what's called a TTR or transition to retirement strategy. So what that does is that takes money from your super fund, opens up a pension account alongside it, so you'd still have an accumulation or a super fund, and you'd have a pension alongside it for the two accounts that's side by side. The accumulation fund is just sitting there with a lowest balance receiving contributions from your employer still while the pension account can pay out. And what I wanted to do was basically convert some of your income to the amount of about $661 a fortnight into super contributions. So you're gonna increase your super contributions up to the $3,232,500 for the year, reduce your taxable income. And what that's gonna do is that's going to allow you to then withdraw money from your super fund each fortnight alongside your original pay. So, basically, same same as an outcome. You're just gonna have basically two pay incomes. So two perfect. Thank you. Correct. So if you actually pop down to page 34, I broke it all down for you to make it as easy as possible. Ow. That hurt. Yep. 32,500 is what it is next year. That that we're saying we're saying under the cap, so we're good there. So what we're gonna do is we're just gonna salary sacrifice. So if we if you have a look at the income tax calculation table, which is, I guess, the third table down, you'll see your current position one zero two, you're taxed on one zero two, which means that you pay $22 in tax on your taxable income versus the proposed position. Effectively, your taxable income drops down to the 84, which means your income tax drops down to 17 and a half, which means that your take home pay ends up being $67.01 $1.04 versus $79.01 $1.06 o. With a pension withdrawal of $12.83, we basically, yeah, it's a couple of dollars more because, like, rounding and cents and all the rest of it. But, also, I knew that you do live a little bit on the interest from the investments. I want to I want to try and, you know, I didn't wanna drop you down. I know it's not much. Yeah. Mhmm. Yep. Is isn't it great? Yeah. So we love getting rid of the tax, man. That's one of my favorite things to do. So from there, what I what I wanna look at doing is basically setting all of those all of those things up. So you'd have, like, the two accounts and everything would operate from there. Now because of your age, if anything happened, we're still able to access some of that money. So I know, like, selling the Griffin stocks. Oh, I just punched the desk. Sorry. Yes. We we sell the we sell the Griffin stocks that sort of, I guess, gets rid of something that you had access to liquidity liquidity wise. So there's still the availability that if anything happens, you have access to your super funds. But second to that, and I think a little bit longer term, I just didn't wanna overwhelm you too too much to begin with. And because, obviously, Latrobe isn't currently, like, like, isn't currently available liquid wise. I know you've I know you've got that $20 stay in sitting in cash, but the other 128 is invested until April of next year. But and it's probably a bit of a a conversation for later down the line, is the possibility of looking at once that does come to maturity is we can actually look at popping that into your super fund because the compounding of 11 like, 11% versus your, you know, your your five or 6%. Very, very Correct. Very, very different. Yes. And that's that's the great thing because you're not 40. I mean, don't be wrong. It'd be great to be having this conversation at 40, but you have the availability for those funds. Even though we put them in, you're not gonna it's not gonna affect you. And second to that, because it's in your super fund, your wife's not gonna have those tax bills. It's like I know the million dollars is like, the money that's sitting in the police bank that's being used towards the house. That I did not consider it. That doesn't exist in my brain. That is that is the house build, but I know that she's getting taxed on that, which that in an in and of itself would Yeah. Yeah. Which we can get it out. My only issue is is I can't get all of it in. So it's why I didn't consider it because we do have limitations to how much we can get into the super fund. Yeah. Yes. Yes. Nope. The 77 and the half is staying. Correct. It can. So that's with the liquidation of with the liquidation of the Griffin stocks plus the $20 in cash, that that goes in to that non concessional. Yeah. It all kinda works out. So that's that's where everything sort of sits. Now when the plan all works and all things happen, if we if we follow the advice and we do everything that I've kind of outlined, and, of course, we're gonna update these projections and have a look at everything each year as things change or if you have to pull more money. We're looking more along the $500,000 mark rather than that $200,000 that we were looking at to be in this. Five I did I did five to seven years because I was yeah. So if you look at page 40, it's too many pages. Yeah. And, like, because I was I didn't talk to your wife. I couldn't really take into consideration, like, her tax side, but I guess as benefits that have been felt from this, the more money we take off her and pop this way, the better her taxes should become. Yeah. Of course. No. No. So each of these each of these stages kind of they they compound on each other. So current is so if you go all the way up to the top, which is back at page I don't even know. But no. No. No. No. The table just got too big. I I know what you're looking at. I know what you're talking about. Yes. So, yeah, 22 for 20 yeah. Twenty two twenty three. That is your current PWS AP. That is exactly as it currently stands. That's the five year rolling average five year rolling average return rate for the fund. Correct. If we implement stage one of my recommendations, that's where we land with Hub '24. And then if we if we take yep. And then it kinda rolls from there. Yes. Yes. Yes. Yes. Yep. Yep. Yep. Yep. Yeah. Yep. Now I then did a little bit. So if you have a look at page 41, I just did a little bit of a retirement calculation, but I wanna I wanna I wanna caveat it really heavily because, a, it does not consider the retirement, b, I did not put any any Centrelink in there. I did start, and then it just Centrelink advice is very, very, very heavy in in in time. While I did consider it, you'd you'd you would you you have access to Centrelink pretty much the as soon as you start working. It was you have partial access to Centrelink to begin with. I just did it based on a if you were to draw down $78,000 a year, a, you know, how that kind of works and what happens from there. Yes. Yes. And that's just if you were just drawing down on that. Now you do have Centrelink that will will be able to support you, but then there's the possibility of the the inheritance and what that looks like, and it just kind of overcomplicates it and creates complexities. Yeah. Correct. Most certainly. And then it it's obviously where it lands on the table as well is the other biggest question. Yeah. Well, look. Basically, right now, yes, they would. As as your assets currently stand, you would have access to a part pension on Centrelink. Okay. Okay. I lied. Not right this second, but once the house is filled, then the answer is yes. Right now with a million dollars in the bank, no. But once the house is built, yes. Yeah. So, like, I'm yeah. We we just wanna get the money. Yeah. Once the house is built, if you if you decide to hang up the hat once the house is built, then, yes, you would have access to to Centrelink because it's combined. Yep. You call me and you say, hello. How are you going? And I say, hello. How are you going? And you say very well, and I say, that's fantastic. And I say, what can I do you for? And you tell me what I can help you, and then I say, fantastic. Let me do that for you. And I send you a pretty document, and you sign that document, and I process the withdrawal into your bank account. It's really pretty easy. Yep. Things are pretty easy when they're your age. Yep. Pretty much. It's a good advantage. It does. It it does. It was actually really funny. I kept sitting down. I'm like, oh, no. He can't do that. Oh, wait. Yes. He can. He's old enough. Because majority of the clients I speak to yeah. You have all these great, wonderful ideas, and you're like, no. Can't do it. But with you, it was, oh, you can do this, and he can do this, and we can do this. Everything I could think of, you could do. Yes. Yeah. I mean, the the the number's off, but, yes, I know exactly what he's talking about. That is a carry oh, sorry. It's a bring forward non concessional contribution. So it means it's already tax paid. Money can can be contributed into the super fund. So the 126,000 that we have available to us, that's part of that. And what he's he's referencing or she, they, he is referencing is carrying forward the or or or taking from the fall like, the the future years. So you know how for the non concessional, so the seventy seven thousand that you just put in, you looked back. Yeah. This is looking forward. So what it's doing is it's taking from each of the year's contributions. Each of the following years is actually a $130 each, so we can actually do up to $3.90. Yes. Yeah. Yeah. So you can pop into up to $3.90 into the fund, which, theoretically, we we definitely can. But right now, from liquid assets, police police is not available. The probe's not available. Blah blah blah. Yeah. Good. Yeah. No. Absolutely. More than happy to to have a chat. Yep. Yeah. Yeah. But it's always good when they can give you the tax savings advice too. Absolutely. And if there are anything that like, any anything pops up during the the tax returns this year, then we can always have a look at them as well. Or when when we get around to doing them. Now the other thing is is because we're establishing a new super fund, beneficiary nominations, I recommend that we nominate your wife, obviously. It's tax free when she receives it, and it's a lot smoother and quicker of a process. Now a bunch of my clients have the question, what happens if my wife dies before me? Now one or two things. And it's always the same question, but let's just say you both got into a car accident. Let let's put it this way. Me and my husband got into a car accident together. What would happen is if my beneficiary nomination, which is currently 100% to my husband, because it is quicker and more efficient for him to receive the funds through a direct nomination than it is through an estate nomination, and because I have three smallish children, I want the money to go to him quick. Now if that was to happen and we were both to pass away, my estate takes over, and my estate deals with the nomination. The same thing would happen for yourself if anything were to happen. Hub twenty four actually has once a nomination is bound to be nonvalid, they don't go through claims taking. They go straight through to a an an estate nomination. Most super funds are actually updating their processes, and legislation has basically updated to cease what used to be called claims taking, which is where they would basically put an ad in the newspaper and say, hey. This person's passed away. Does anyone feel as though they have rights to the estate? Now Queensland law actually stipulates that if a spouse exists, the spouse will get asset first. If there are children, they would they will get assets next, blah blah blah blah. And there's a, you know, a bunch of different caveats on how much everyone gets. So if anything were to happen to you and your wife or your wife predeceased yourself and you had not updated the nomination before you would have passed away, your children would more than likely, yeah, more than likely get it, but it's gonna go through the estate. Cool. I just always like to explain it just to make sure. It's a little bit of an understanding. Good. Good. Cool. So so I've emailed this to you, but what I need to do and and I prefer doing it via email to begin with just because it's a little bit visually easier to look at. But what I need to do is I need to send you a whole pack of documents. We do that over email, electronically signing, because, otherwise, the paper footprint is enormous. So what I'll do is I will email you the documents. The documents will be the document you're looking at right now along with application for the Superfund. I have not included the pension application yet because we're not setting the pension up until next financial year a. And, b, I needed your bank details anyway. But my team, when they call you to go through the implementation steps, they'll kinda step it through with you. The great thing about the document I've drawn up is that, actually, towards the bottom, a step by step, these are the order of the steps that we will take, when they're gonna get taken, and who's taking those steps. So it makes it a little bit easier to kind of follow along with each of the steps that need to go in to doing everything. Now, of course, if at any point in time you have any questions, qualms, concerns, you're always allowed and able to reach out to me, and I can help you out with that. But, otherwise, you know, I I have fantastic admin that'll kind of help walk through each of the each of the steps to to implement the advice. So get the funds rolled over, and they will, you know, help you to make those contributions, give you bank details, make those contributions. We'll help set up the accounts. I do all the investments on the I do all the investing. Any of my clients, once funds are received, I invest, my admin don't, and we go through from there. Okay? Cool. Out of my mouth. I was I was literally about to say the same thing. I was gonna say now, because I skipped over a couple of things I would normally already have have talked about, One point 65% ongoing. Correct? So literally, the figure, it ends up being about $3,922. It's being factored per year. It's being factored into all of the advice. Actually comes out of the super fund. Yep. Correct. Actually, yep. Yep. Yep. Yep. It's reducing his salary. Yep. No. Not at all. Nope. No. There are no no kickbacks from the investments at all. So I could put you in any number any number of a thousand different investment options. We do not get any kickbacks from any any of that. That is what's actually called conflicted remuneration. It's a massive no no in our industry. They're not something I I actually partake in. To the point where, generally, when I meet with BDMs, I always buy coffee because I'm not really a fan of having coffee before me. So yeah. So that that's that's the the fee side of things. The other thing that I wanted to touch on is that to implement the advice, we do need your tax fund. We don't, but the Superfund needs your tax file number. But we need to code a a legal copy of your ID. So it can be passport or driver's license. Cool. What I will do for your tax file number is, a, I don't want you to verbally tell me, or, b, I don't want you to email it to me, please. On the documents that I send you, one of the documents is actually gonna have a space for you to be able to free type your tax file number in. It'll be a mandatory field that you have to enter. That is the only place we hold your tax your tax file number. That document gets locked completely and is not held on system. Your tax file number is entered into the super fund who also have their own locking system. The benefits are obviously if you don't don't list your tax on them with with with the super funds, they tax you at the highest possible rate. Correct. So we need to cool. Well, what I'll do is I will package everything up and send it to you. I think it's it's actually already packaged up. I just have to press the send button. So I'll send that through to you. Don't be surprised if it goes to junk because it is like a signing document thing. You'll have that within the next ten minutes. Are there any questions that you may or may not have? Yeah. Yeah. Absolutely. Yeah. Yeah. Feel free. He can email me. So as long as he sees you in and you send an email saying I'm happy for you guys to discuss. Oh, that works. Yeah. With a bit of luck. I hope so too. We just I think the best thing for us to do is just to sit on this for twelve months, see what happens with the house, the the mortgage, and how that all finishes, and then we can kinda revisit the final plan. The mortgage? Weekly? Weekly or, a, weekly or fortnightly payments, definitely, because it's gonna result in you paying less interest overall. If you're able to set an offset account, I would 100% try and get an offset account set up and live out of that offset account. Aside from that, until I know what the interest rate is, the term, the repayments, or anything like that, I can't delve to date. Cool. Amazing. No. Absolutely. My pleasure. I'll get everything sent to you so you can when you finish looking it over, sign it. Thank you. I was pretty impressed to get it all out in the time frame that we did it, so it's not too bad. Twelve days. Of course. We made it. It would no. No. So it was totally good. It all matched up perfectly. Not a problem at all, Mark. We will chat later. 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Mark. Hi, Mark. It's Larissa from Mercury Financial. How are you going? Not too bad.\n\nI quickly grabbed a bite to eat before I gave you a call. Otherwise, it was gonna be too late. The day has run away from me. Yeah. That's okay.\n\nSo is the month. That's that's alright. How have you been? Yep. Which one?\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. I did say. Yes. The p a s p or double double p a s p. Yeah.\n\nNo. I yes. I did I did see that email. So I pivoted, and and I incorporated that into the advice based on the amount that you put in. And then just kind of it didn't really change too too much.\n\nIt just, I guess, changed what I was doing for the year versus everything else, but that's okay. So two, I guess I should open as well. I've emailed you with the statement of advice so that way we can go through it together. Cool. Alright.\n\nWell, before we jump into it, I guess, too much, I should let you know that our calls are recorded if you're okay with that. Oh, shit. Alright. So, basically, the the the document has a whole details, I guess, the conversations we went through and then the outcomes to all the research that I put together. Now we obviously talked about a a number of a number of different things.\n\nMainly focus like, the main focus of this advice document is on, like, your superannuation, the retirement strategies, and where that kind of comes to play. We obviously did speak about possible inheritance coming through in the future that was disregarded because time frames. And I did consider the age pension. However, things do possibly change with the inheritance coming through. So I haven't put any sort of, I guess, Centrelink or age pension considerations in this document because we do have the expected change that will occur within the next five years or so.\n\nAnd then, obviously, the house is happening and you guys are building that, and we don't know exactly what the mortgage looks like as yet. So any sort of debt repayment strategies, I can't consider until we have the mortgage. Cool. So what I looked at was tax effectiveness and growth. So one of the goals you had was you were sort of looking at trying to double the the projected balance that you had had sort of looked at.\n\nYou were looking at sort of at about 2 $100,000. When I went and had a look at, you know, projecting out where your current position sat, I had the same sort of outcome. I think it started at 203 ish. So same sort of outcome on on that front. And, obviously, taking into consideration the fact that you do want to expand and increase to about that $400,000 mark.\n\nNow you've currently already put money into your PSAP fund to the amount of $70. Yeah. 77 and a half. Yeah. Now, generally speaking, that money would have landed as a non concessional contribution and will require what's called a notice of intent to claim to be submitted alongside it.\n\nNow what that will do is that will convert that those funds from a taxable component into a tax free component. You you have sorry. Other way around. Tax free component into a taxable, and the super fund will tax it, which enables you to then claim those funds back on your tax return. So from a tax perspective, it's going to reduce your taxable income quite considerably this financial year, and we'll give you a bit of tax back when you do submit your tax return, which is fun.\n\nWith respect to the contribution made, I wanted to confirm because I have drawn up a notice of intent to claim form for you to help you out. Have you at all submitted that form with p, double f, a p yet? Cool. Well, yeah, it's 06/01 half, not the other. Like, you can you have twelve months after the end of the financial year to submit it.\n\nSo it's not an issue either either way time frame wise. So as the money's in, it can be converted at any point. But I've drafted that up for you to to help you out because it's a not that it's a pain, but it's a bit of a document. Yes. No.\n\nSo you need to submit the notice of intent to claim document to the Superfund first before you submit your tax return. And then what the Superfund does is, basically, they give you a receipt, and you take that receipt to your account until when you do your tax return, and it works with any kind of deduction, basically. Cool. Yes. Yeah.\n\nYes and no. Like, I understand that that, like, you have had considerable interest incurred, like, especially, like, the million dollars sitting in in the term yeah. Right. Yeah. That's okay.\n\nI know that not something you wanna do. Yeah. Yeah. And deal with as well. No.\n\nThat that's absolutely okay. The the good thing is is that everything's pretty much, like, sitting in your wife's name. So your so you personally, you will actually get a return like, a a refund. It's just your wife's gonna get hit with the tax, which I understand it's all and all the same. But Yeah.\n\nIt well, it should I mean, depending on how much interest has obviously been accumulated on your wife's side, it will give you a a a definite ability to move forward and and depending on how much your wife has accumulated in tax, your outcome should actually give you quite a bit of a return. Because realistically speaking, your taxable income because you you earn a 102,000. Your taxable income's going to drop down quite considerably this financial year because you've contributed the 77,000, which means that you're going to get quite a bit back because the tax that you should have paid is quite minimal in comparison to what you have paid. So you should be paying about $300 in tax for the year. What you've actually paid is about $23,000 of tax for the year.\n\nRight. Yes. No. Not not quite. So the Superfund pays tax.\n\nSo, basically, for the next little bit, there'll be a double amount of tax that's been paid, and then you get your marginal rate back. So it ends up being, like, if you consider the tax all around, then, yes, the difference is about that that 10 to 12. But because the the Superfund has to pay the Superfund tax, so it pays the 15%. So out of the 77 and a half thousand dollars, like, the Superfund pays, you know, that 15%, which ends up being sort of $11.06 25. And it will pay it from its own pool of money.\n\nAnd then from there, you get your marginal rate back. So you you end up in the hand with that 20. Yeah. No. But when you calculate it and you look at taxes paid, then the the difference is sort of that, you know, $10.\n\nBut in the hands, you'll end up with it all back. Yeah. Yeah. Because otherwise because what it does is it physically reduces your taxable income. Now, obviously, if you've got income from other sources, which you don't because your only income source is the 100 and the $100, because all of the assets, bank accounts, and everything else is in Linda's name.\n\nSo you don't incur any additional taxes, not pushing you over any of the caps or anything like that. You're gonna get all of it back, and from that $20, you're gonna be able to then go in well, I mean, Linda pays Linda's bill, really. And, hopefully hopefully, end up still in the green or in the black, I should say. See see how many years. It kind of add up.\n\nHow many tax returns do you have? Okay. Yeah. That's okay. So that that money's already in.\n\nWe just need to submit the notice of intent to claim, which, realistically, we can't we just submit just before you go and sit down with your accountant. So yeah. Now outside of that, there's sort of about three or four pages worth of information on on making that contribution and the tax savings and all the rest of the stuff. We I've then made some recommendations based on getting the goals that we're wanting to achieve. So looking at how we can achieve the 400,000 in your super looking, you know, and above.\n\nLooking at how we can ultimately grow the funds you have, be tax effective, and hit all the points. I looked at PSAT. The investment offerings under the fund are really limited, and I was pretty not disappointed. Like, I've dealt with the fund before. A lot of the funds are like that, but I was pretty locked on what was accessible under that fund.\n\nDue to that and the historical returns, I've actually looked at another fund and going into what's called hub twenty four. I did look at quite a number of different super funds to see what would best work. Hub twenty four worked out from a fees point of view, the fact that they aggregate trade, which means that they trade internally rather than always going to the open market. So it keeps your trading and your your buy sell costs a lot lower. And the platform is really intuitive from a a clientele point of view as well.\n\nSo transparent, you being able to see, you know, what's happening, what trades are happening, what's being bought and sold, and where everything's moving. So it works really nicely for for you as well. Now what I'm ultimately recommending is that we do a full consolidation from PWSA pay over to Hub twenty four. Now we will only complete that once you submitted the notice of intent to claim. The reason for that is is the notice of intent to claim actually has to be submitted on the funds that you make the contribution to.\n\nIf you don't submit it to the funds that you've made the contribution to, you lose the ability to claim that. So based on the amount that you've made, we're not gonna trigger any rollovers until you have 100% made that claim and until you have that receipt in hand. And as I said, that that notes of intent can be submitted at any time. Now under Hub 24, we'll then invest it into a portfolio that I've built. I'll go through the portfolio with you in a second.\n\nBut what we would do is we would obviously redirect your employer contributions over to Hub twenty four as well. The investment options that are offered under PSAP are really limited. So you don't have the ability to diversify in asset holdings as much as what you do under and, like, other funds, but in this specific instance, Hub twenty four. So Hub twenty four allow us to invest in a bunch of different assets under available under market. Now we, internally, we don't invest in anything that's risky.\n\nWe invest in, you know, exchange trade funds or managed funds that are guaranteed and backed. So when we do our research, we only offer investment grade or above investments. So we don't we don't invest in anything that's risky or anything that's new to market. We wanna make sure that we're obviously popping our clients into investments that are going to be beneficial to them long term, especially when we talk about superannuation. Now PWSA pay only have a very limited investment offering.\n\nSo they have their multi asset offerings, and that's all they really offer. There's no other ability to diversify out, and the returns that I was finding under PWSA pay just weren't gonna hit the mark for what you wanted to get. So that's why I looked at moving. Yeah. So no.\n\nThat's okay. Hub twenty four, just like any other, like, super fund are the platform. They are the trustee. So just like your Australian supers or your, you know, Host Plus or qSuper, anything like that, Hub twenty four is a a a super fund trustee. They're actually one of the biggest trustees available with trillions under management, but they are a retail fund, whereas you would be used to seeing your industry funds advertised.\n\nSo on the, you know, on the on the news and whatever else, it's always, you know, your C bus and your industry funds that will be advertised. Your retail funds don't advertise, and that's because, like, they have a wider offering. So they are an investment platform. So you can you can actually invest under the platform outside of your superannuation as well. So you can actually have, you know, a whole a whole investment account that's kind of connected to your super fund, but personally owned by yourself, which is, you know, which makes it really cool on that side.\n\nSo more of an investment platform than just a a super funds like your your industry funds are. Yeah. Now, ultimately, what we're gonna look at doing is transferring all of the money that's in your account now over, which would be sitting up over a $100,000 based on the contribution that you've made into the fund, which is great. You look look at you go. You went from, like, $30 or or what else?\n\nOver a 100. That would have felt good. Yeah. Let's try. Yeah.\n\nYes. Yes. You did? Yes. So that yes.\n\nYeah. Yep. I sure do. Cool. So mhmm.\n\nYep. Yep. Then from there, what what I'm recommending is if you have a look, you can see the breakdown on page 20 if you have it open. Cool. But page 20 kind of outlines the investment breakdown, so the assets that I'm recommending that we we invest in.\n\nSo as you'll see, the first word of each line is actually the investment manager. So your BetaShares, iShares, your Vanguard, Global X. They are all investment managers. I'm not recommending any investment manager that hasn't been around for a long time, and the asset that I'm recommending have all been around for a long time as well. Now each of the assets are there to do a different thing.\n\nSo each of these lines so take Hack, for example. Hack has about 30 different companies or securities in that in that holding. Now Hack is exactly as it says. It says it's a cybersecurity, so it's a bit of, like, thematics in the in the investment. So a bit of spice, basically.\n\nIt is a little bit more volatile than any of the other assets. We're only I'm only looking at putting 5% in it, but it's there to be able to have that sector, have that cybersecurities, that that investment holding within that sector. So that way, we can get some of the gains that come from that sector because it it is obviously a massive sector that is starting to to build up quite a lot. We then have our next three, which are our our world diversification. So we've got our Europe, our Japan, our Vanguard, all world excluding The US.\n\nAnd, again, these are all small holdings. They're our international holdings. Each of those have another anywhere between ten and fifty assets within them as well. Then our our middle two, I guess, is our S and P 500, which is very, very American heavy, and we have our beta shares Australia 200. You'll notice that these two make up the core of the investment.\n\nSo what I guess, what this investment's or or strategy is is it's what's referred to as a core and satellite. So you have a a bulk core of your investment, which is where the majority of your money sits, and then you have little satellites that sit out outside that is there to offset any of the the market volatility, which is what you'll find the last two do, the gold and your core composite bond. They are both there to cushion and offset market volatility or to capture growth in different areas. Because you don't wanna be sitting too heavily in, you know, one area versus another. You wanna make sure that you have a good blend of sectors and demographically as well.\n\nMakes sense? Cool. Cool. The next couple pages just kinda shows you, I guess, a visual breakdown of everything. Page 22.\n\nThis shows the fees, the returns, and a breakdown of everything that's sitting there. Now there is obviously a massive difference between p, double f, a p to hub 24 in terms of fees and operational costs. This stage is a like for like of your p, double f, a p to hub 24 as they basically currently stand. So with with the the money that you put in, so you'll see this concessional contribution of $65.08 75. That's because once the tax comes off it, that's the net amount that goes into the fund and what that looks like compounding.\n\nSo if you pop down to the next page, you'll see that compounding, that's what the outcome is with respect to the accounts after five and seven years. And that's with your current con like, your current employer contributions as they currently stand with the 15% of your current wage and just that one off contribution. I wanted to stage this out so you could see kind of how it flows as we progress the stages. Does that make sense? So this is only stage one as a comparison between the two.\n\nOkay? Cool. Now what I wanna do Yes. Which is why we we implement a few other changes. So next financial year, what we would look at doing is make another $9,390 contribution.\n\nSo that can technically be made anytime during next financial year depending on your cash flow. Obviously, the earlier it goes in, the more compound it has over time, but it just has to be done before June 30 2027. And what that's gonna do is, obviously, it's gonna do the same thing as the $77,000 did by reducing your taxable income. But second to that, it's using up all of your unused concessional caps. So you're not gonna have any carry like, carry forward concessional contribution caps left once you've made this this like, these contributions.\n\nSo the 77,000 plus the $99,000 uses up all of that space that we that we previously had from years that you hadn't used. Okay? Now following that, what I wanted to do was I actually wanted to look at liquidating some of the assets that your wife has in her name. So the can I butcher the name of it 100%? The the Gyro something or other.\n\nI should know this off the top of my head, but sorry. I've looked at it so many times. You'd think I'd remember exactly what it's called. The Griffin. Why was I trying to say Gyro?\n\nThe the the Griffin assets. Yeah. Yeah. Don't ask me why I butchered that, but anyway so I wanted to look at liquidating those, and the biggest reason is that it'll the interest will reduce the amount of tax that your wife has to pay. So it means that there's not gonna be as much of a push on on that side of things for her with with the tax returns, and it's gonna have a better compound because your 6% that you're earning are well, I mean, Griffin is not it's it's just stock option.\n\nSo it's it's a it's a different sort of kettle fish, but the returns aren't there within that within that asset that I can see. Yeah. And what I wanna do is I wanna get them that that money compounding for you guys and really working on it rather sort of sitting a bit stagnant. Now that obviously carries a risk that, you know, the asset could theoretically have a, you know, a massive bull and take off, but I wanted to go with something that's a little bit more reliable to help you guys in in actually growing everything. So that's why, like, I wanted to make into your super fund.\n\nYeah. Yes. So we can make that nonconcessionally. So it means that there's no tax benefit to it. It'll just work as compounding for you, though.\n\nAnd because of your age, if there's any need to access it, we can access it, and it's tax free. And that's where that biggest benefit comes from is we're not gonna be, you know, paying tax on any of the gains or anything like that moving forward. Yes. Correct. So I wanted to make that that as a contribution there.\n\nNow the biggest part that I probably wanted to go through, if we just jump down to page 32, is I wanted to actually commence what's called a TTR or transition to retirement strategy. So what that does is that takes money from your super fund, opens up a pension account alongside it, so you'd still have an accumulation or a super fund, and you'd have a pension alongside it for the two accounts that's side by side. The accumulation fund is just sitting there with a lowest balance receiving contributions from your employer still while the pension account can pay out. And what I wanted to do was basically convert some of your income to the amount of about $661 a fortnight into super contributions. So you're gonna increase your super contributions up to the $3,232,500 for the year, reduce your taxable income.\n\nAnd what that's gonna do is that's going to allow you to then withdraw money from your super fund each fortnight alongside your original pay. So, basically, same same as an outcome. You're just gonna have basically two pay incomes. So two perfect. Thank you.\n\nCorrect. So if you actually pop down to page 34, I broke it all down for you to make it as easy as possible. Ow. That hurt. Yep.\n\n32,500 is what it is next year. That that we're saying we're saying under the cap, so we're good there. So what we're gonna do is we're just gonna salary sacrifice. So if we if you have a look at the income tax calculation table, which is, I guess, the third table down, you'll see your current position one zero two, you're taxed on one zero two, which means that you pay $22 in tax on your taxable income versus the proposed position. Effectively, your taxable income drops down to the 84, which means your income tax drops down to 17 and a half, which means that your take home pay ends up being $67.01 $1.04 versus $79.01 $1.06 o.\n\nWith a pension withdrawal of $12.83, we basically, yeah, it's a couple of dollars more because, like, rounding and cents and all the rest of it. But, also, I knew that you do live a little bit on the interest from the investments. I want to I want to try and, you know, I didn't wanna drop you down. I know it's not much. Yeah.\n\nMhmm. Yep. Is isn't it great? Yeah. So we love getting rid of the tax, man.\n\nThat's one of my favorite things to do. So from there, what I what I wanna look at doing is basically setting all of those all of those things up. So you'd have, like, the two accounts and everything would operate from there. Now because of your age, if anything happened, we're still able to access some of that money. So I know, like, selling the Griffin stocks.\n\nOh, I just punched the desk. Sorry. Yes. We we sell the we sell the Griffin stocks that sort of, I guess, gets rid of something that you had access to liquidity liquidity wise. So there's still the availability that if anything happens, you have access to your super funds.\n\nBut second to that, and I think a little bit longer term, I just didn't wanna overwhelm you too too much to begin with. And because, obviously, Latrobe isn't currently, like, like, isn't currently available liquid wise. I know you've I know you've got that $20 stay in sitting in cash, but the other 128 is invested until April of next year. But and it's probably a bit of a a conversation for later down the line, is the possibility of looking at once that does come to maturity is we can actually look at popping that into your super fund because the compounding of 11 like, 11% versus your, you know, your your five or 6%. Very, very Correct.\n\nVery, very different. Yes. And that's that's the great thing because you're not 40. I mean, don't be wrong. It'd be great to be having this conversation at 40, but you have the availability for those funds.\n\nEven though we put them in, you're not gonna it's not gonna affect you. And second to that, because it's in your super fund, your wife's not gonna have those tax bills. It's like I know the million dollars is like, the money that's sitting in the police bank that's being used towards the house. That I did not consider it. That doesn't exist in my brain.\n\nThat is that is the house build, but I know that she's getting taxed on that, which that in an in and of itself would Yeah. Yeah. Which we can get it out. My only issue is is I can't get all of it in. So it's why I didn't consider it because we do have limitations to how much we can get into the super fund.\n\nYeah. Yes. Yes. Nope. The 77 and the half is staying.\n\nCorrect. It can. So that's with the liquidation of with the liquidation of the Griffin stocks plus the $20 in cash, that that goes in to that non concessional. Yeah. It all kinda works out.\n\nSo that's that's where everything sort of sits. Now when the plan all works and all things happen, if we if we follow the advice and we do everything that I've kind of outlined, and, of course, we're gonna update these projections and have a look at everything each year as things change or if you have to pull more money. We're looking more along the $500,000 mark rather than that $200,000 that we were looking at to be in this. Five I did I did five to seven years because I was yeah. So if you look at page 40, it's too many pages.\n\nYeah. And, like, because I was I didn't talk to your wife. I couldn't really take into consideration, like, her tax side, but I guess as benefits that have been felt from this, the more money we take off her and pop this way, the better her taxes should become. Yeah. Of course.\n\nNo. No. So each of these each of these stages kind of they they compound on each other. So current is so if you go all the way up to the top, which is back at page I don't even know. But no.\n\nNo. No. No. The table just got too big. I I know what you're looking at.\n\nI know what you're talking about. Yes. So, yeah, 22 for 20 yeah. Twenty two twenty three. That is your current PWS AP.\n\nThat is exactly as it currently stands. That's the five year rolling average five year rolling average return rate for the fund. Correct. If we implement stage one of my recommendations, that's where we land with Hub '24. And then if we if we take yep.\n\nAnd then it kinda rolls from there. Yes. Yes. Yes. Yes.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Now I then did a little bit. So if you have a look at page 41, I just did a little bit of a retirement calculation, but I wanna I wanna I wanna caveat it really heavily because, a, it does not consider the retirement, b, I did not put any any Centrelink in there. I did start, and then it just Centrelink advice is very, very, very heavy in in in time. While I did consider it, you'd you'd you would you you have access to Centrelink pretty much the as soon as you start working.\n\nIt was you have partial access to Centrelink to begin with. I just did it based on a if you were to draw down $78,000 a year, a, you know, how that kind of works and what happens from there. Yes. Yes. And that's just if you were just drawing down on that.\n\nNow you do have Centrelink that will will be able to support you, but then there's the possibility of the the inheritance and what that looks like, and it just kind of overcomplicates it and creates complexities. Yeah. Correct. Most certainly. And then it it's obviously where it lands on the table as well is the other biggest question.\n\nYeah. Well, look. Basically, right now, yes, they would. As as your assets currently stand, you would have access to a part pension on Centrelink. Okay.\n\nOkay. I lied. Not right this second, but once the house is filled, then the answer is yes. Right now with a million dollars in the bank, no. But once the house is built, yes.\n\nYeah. So, like, I'm yeah. We we just wanna get the money. Yeah. Once the house is built, if you if you decide to hang up the hat once the house is built, then, yes, you would have access to to Centrelink because it's combined.\n\nYep. You call me and you say, hello. How are you going? And I say, hello. How are you going?\n\nAnd you say very well, and I say, that's fantastic. And I say, what can I do you for? And you tell me what I can help you, and then I say, fantastic. Let me do that for you. And I send you a pretty document, and you sign that document, and I process the withdrawal into your bank account.\n\nIt's really pretty easy. Yep. Things are pretty easy when they're your age. Yep. Pretty much.\n\nIt's a good advantage. It does. It it does. It was actually really funny. I kept sitting down.\n\nI'm like, oh, no. He can't do that. Oh, wait. Yes. He can.\n\nHe's old enough. Because majority of the clients I speak to yeah. You have all these great, wonderful ideas, and you're like, no. Can't do it. But with you, it was, oh, you can do this, and he can do this, and we can do this.\n\nEverything I could think of, you could do. Yes. Yeah. I mean, the the the number's off, but, yes, I know exactly what he's talking about. That is a carry oh, sorry.\n\nIt's a bring forward non concessional contribution. So it means it's already tax paid. Money can can be contributed into the super fund. So the 126,000 that we have available to us, that's part of that. And what he's he's referencing or she, they, he is referencing is carrying forward the or or or taking from the fall like, the the future years.\n\nSo you know how for the non concessional, so the seventy seven thousand that you just put in, you looked back. Yeah. This is looking forward. So what it's doing is it's taking from each of the year's contributions. Each of the following years is actually a $130 each, so we can actually do up to $3.90.\n\nYes. Yeah. Yeah. So you can pop into up to $3.90 into the fund, which, theoretically, we we definitely can. But right now, from liquid assets, police police is not available.\n\nThe probe's not available. Blah blah blah. Yeah. Good. Yeah.\n\nNo. Absolutely. More than happy to to have a chat. Yep. Yeah.\n\nYeah. But it's always good when they can give you the tax savings advice too. Absolutely. And if there are anything that like, any anything pops up during the the tax returns this year, then we can always have a look at them as well. Or when when we get around to doing them.\n\nNow the other thing is is because we're establishing a new super fund, beneficiary nominations, I recommend that we nominate your wife, obviously. It's tax free when she receives it, and it's a lot smoother and quicker of a process. Now a bunch of my clients have the question, what happens if my wife dies before me? Now one or two things. And it's always the same question, but let's just say you both got into a car accident.\n\nLet let's put it this way. Me and my husband got into a car accident together. What would happen is if my beneficiary nomination, which is currently 100% to my husband, because it is quicker and more efficient for him to receive the funds through a direct nomination than it is through an estate nomination, and because I have three smallish children, I want the money to go to him quick. Now if that was to happen and we were both to pass away, my estate takes over, and my estate deals with the nomination. The same thing would happen for yourself if anything were to happen.\n\nHub twenty four actually has once a nomination is bound to be nonvalid, they don't go through claims taking. They go straight through to a an an estate nomination. Most super funds are actually updating their processes, and legislation has basically updated to cease what used to be called claims taking, which is where they would basically put an ad in the newspaper and say, hey. This person's passed away. Does anyone feel as though they have rights to the estate?\n\nNow Queensland law actually stipulates that if a spouse exists, the spouse will get asset first. If there are children, they would they will get assets next, blah blah blah blah. And there's a, you know, a bunch of different caveats on how much everyone gets. So if anything were to happen to you and your wife or your wife predeceased yourself and you had not updated the nomination before you would have passed away, your children would more than likely, yeah, more than likely get it, but it's gonna go through the estate. Cool.\n\nI just always like to explain it just to make sure. It's a little bit of an understanding. Good. Good. Cool.\n\nSo so I've emailed this to you, but what I need to do and and I prefer doing it via email to begin with just because it's a little bit visually easier to look at. But what I need to do is I need to send you a whole pack of documents. We do that over email, electronically signing, because, otherwise, the paper footprint is enormous. So what I'll do is I will email you the documents. The documents will be the document you're looking at right now along with application for the Superfund.\n\nI have not included the pension application yet because we're not setting the pension up until next financial year a. And, b, I needed your bank details anyway. But my team, when they call you to go through the implementation steps, they'll kinda step it through with you. The great thing about the document I've drawn up is that, actually, towards the bottom, a step by step, these are the order of the steps that we will take, when they're gonna get taken, and who's taking those steps. So it makes it a little bit easier to kind of follow along with each of the steps that need to go in to doing everything.\n\nNow, of course, if at any point in time you have any questions, qualms, concerns, you're always allowed and able to reach out to me, and I can help you out with that. But, otherwise, you know, I I have fantastic admin that'll kind of help walk through each of the each of the steps to to implement the advice. So get the funds rolled over, and they will, you know, help you to make those contributions, give you bank details, make those contributions. We'll help set up the accounts. I do all the investments on the I do all the investing.\n\nAny of my clients, once funds are received, I invest, my admin don't, and we go through from there. Okay? Cool. Out of my mouth. I was I was literally about to say the same thing.\n\nI was gonna say now, because I skipped over a couple of things I would normally already have have talked about, One point 65% ongoing. Correct? So literally, the figure, it ends up being about $3,922. It's being factored per year. It's being factored into all of the advice.\n\nActually comes out of the super fund. Yep. Correct. Actually, yep. Yep.\n\nYep. Yep. It's reducing his salary. Yep. No.\n\nNot at all. Nope. No. There are no no kickbacks from the investments at all. So I could put you in any number any number of a thousand different investment options.\n\nWe do not get any kickbacks from any any of that. That is what's actually called conflicted remuneration. It's a massive no no in our industry. They're not something I I actually partake in. To the point where, generally, when I meet with BDMs, I always buy coffee because I'm not really a fan of having coffee before me.\n\nSo yeah. So that that's that's the the fee side of things. The other thing that I wanted to touch on is that to implement the advice, we do need your tax fund. We don't, but the Superfund needs your tax file number. But we need to code a a legal copy of your ID.\n\nSo it can be passport or driver's license. Cool. What I will do for your tax file number is, a, I don't want you to verbally tell me, or, b, I don't want you to email it to me, please. On the documents that I send you, one of the documents is actually gonna have a space for you to be able to free type your tax file number in. It'll be a mandatory field that you have to enter.\n\nThat is the only place we hold your tax your tax file number. That document gets locked completely and is not held on system. Your tax file number is entered into the super fund who also have their own locking system. The benefits are obviously if you don't don't list your tax on them with with with the super funds, they tax you at the highest possible rate. Correct.\n\nSo we need to cool. Well, what I'll do is I will package everything up and send it to you. I think it's it's actually already packaged up. I just have to press the send button. So I'll send that through to you.\n\nDon't be surprised if it goes to junk because it is like a signing document thing. You'll have that within the next ten minutes. Are there any questions that you may or may not have? Yeah. Yeah.\n\nAbsolutely. Yeah. Yeah. Feel free. He can email me.\n\nSo as long as he sees you in and you send an email saying I'm happy for you guys to discuss. Oh, that works. Yeah. With a bit of luck. I hope so too.\n\nWe just I think the best thing for us to do is just to sit on this for twelve months, see what happens with the house, the the mortgage, and how that all finishes, and then we can kinda revisit the final plan. The mortgage? Weekly? Weekly or, a, weekly or fortnightly payments, definitely, because it's gonna result in you paying less interest overall. If you're able to set an offset account, I would 100% try and get an offset account set up and live out of that offset account.\n\nAside from that, until I know what the interest rate is, the term, the repayments, or anything like that, I can't delve to date. Cool. Amazing. No. Absolutely.\n\nMy pleasure. I'll get everything sent to you so you can when you finish looking it over, sign it. Thank you. I was pretty impressed to get it all out in the time frame that we did it, so it's not too bad. Twelve days.\n\nOf course. We made it. It would no. No. So it was totally good.\n\nIt all matched up perfectly. Not a problem at all, Mark. We will chat later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Mark.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.05137724243104458},{"text":"Hi, Mark.","start":3.6,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1260237954556942},{"text":"It's Larissa from Mercury Financial.","start":6.3999996,"end":8.24,"sentiment":"neutral","sentiment_score":0.15005963444709777},{"text":"How are you going?","start":8.24,"end":9.139999,"sentiment":"neutral","sentiment_score":0.23909097164869308},{"text":"Not too bad.","start":11.84,"end":12.639999,"sentiment":"neutral","sentiment_score":0.17729986707369486}],"sentiment":"neutral","sentiment_score":0.16208523348905146,"num_words":16,"start":2.8799999,"end":12.639999},{"sentences":[{"text":"I quickly grabbed a bite to eat before I gave you a call.","start":12.639999,"end":15.785,"sentiment":"neutral","sentiment_score":0.12663437970555746},{"text":"Otherwise, it was gonna be too late.","start":15.785,"end":18.285,"sentiment":"neutral","sentiment_score":-0.2682458460330963},{"text":"The day has run away from me.","start":20.345,"end":22.445,"sentiment":"negative","sentiment_score":-0.5932945949690682},{"text":"Yeah.","start":24.585,"end":25.085,"sentiment":"neutral","sentiment_score":-0.03177349269390106},{"text":"That's okay.","start":26.19,"end":26.990002,"sentiment":"neutral","sentiment_score":0.021284235175698996}],"sentiment":"neutral","sentiment_score":-0.1457913724395136,"num_words":30,"start":12.639999,"end":26.990002},{"sentences":[{"text":"So is the month.","start":26.990002,"end":27.79,"sentiment":"neutral","sentiment_score":0.021984603255987167},{"text":"That's that's alright.","start":27.79,"end":28.85,"sentiment":"neutral","sentiment_score":0.109183964629968},{"text":"How have you been?","start":28.91,"end":30.050001,"sentiment":"neutral","sentiment_score":0.08475568890571594},{"text":"Yep.","start":31.710001,"end":32.21,"sentiment":"neutral","sentiment_score":0.05474546179175377},{"text":"Which one?","start":39.885,"end":40.705,"sentiment":"neutral","sentiment_score":0.005428339820355177}],"sentiment":"neutral","sentiment_score":0.058579657426370044,"num_words":14,"start":26.990002,"end":40.705},{"sentences":[{"text":"Yes.","start":45.245,"end":45.745,"sentiment":"neutral","sentiment_score":0.022119656205177307},{"text":"Yes.","start":45.965,"end":46.364998,"sentiment":"neutral","sentiment_score":0.02278406359255314},{"text":"Yes.","start":46.364998,"end":46.525,"sentiment":"neutral","sentiment_score":0.02893992699682713},{"text":"Yes.","start":46.525,"end":46.765,"sentiment":"neutral","sentiment_score":0.031219590455293655},{"text":"Yes.","start":46.765,"end":47.085,"sentiment":"neutral","sentiment_score":0.028922149911522865}],"sentiment":"neutral","sentiment_score":0.02679707743227482,"num_words":5,"start":45.245,"end":47.085},{"sentences":[{"text":"Yes.","start":47.085,"end":47.485,"sentiment":"neutral","sentiment_score":0.025083037093281742},{"text":"I did say.","start":47.485,"end":48.385002,"sentiment":"neutral","sentiment_score":-0.0015844916924834251},{"text":"Yes.","start":51.18,"end":51.68,"sentiment":"neutral","sentiment_score":0.01293614786118269},{"text":"The p a s p or double double p a s p.","start":51.82,"end":54.86,"sentiment":"neutral","sentiment_score":0.006204369439122577},{"text":"Yeah.","start":54.86,"end":55.36,"sentiment":"neutral","sentiment_score":0.01270553097128868}],"sentiment":"neutral","sentiment_score":0.006690204117654098,"num_words":18,"start":47.085,"end":55.36},{"sentences":[{"text":"No.","start":55.739998,"end":55.9,"sentiment":"neutral","sentiment_score":-0.017204206436872482},{"text":"I yes.","start":55.9,"end":56.3,"sentiment":"neutral","sentiment_score":0.004318774677813054},{"text":"I did I did see that email.","start":56.3,"end":57.84,"sentiment":"neutral","sentiment_score":0.04721913433500698},{"text":"So I pivoted, and and I incorporated that into the advice based on the amount that you put in.","start":59.26,"end":68.284996,"sentiment":"neutral","sentiment_score":0.17517160810530186},{"text":"And then just kind of it didn't really change too too much.","start":69.465,"end":72.905,"sentiment":"neutral","sentiment_score":-0.029276717143754166}],"sentiment":"neutral","sentiment_score":0.08046115198876799,"num_words":41,"start":55.739998,"end":72.905},{"sentences":[{"text":"It just, I guess, changed what I was doing for the year versus everything else, but that's okay.","start":72.905,"end":79.66,"sentiment":"neutral","sentiment_score":-0.03717777795261807},{"text":"So two, I guess I should open as well.","start":81.8,"end":86.520004,"sentiment":"neutral","sentiment_score":0.13320468117793402},{"text":"I've emailed you with the statement of advice so that way we can go through it together.","start":86.520004,"end":92.615,"sentiment":"neutral","sentiment_score":0.16352563044604132},{"text":"Cool.","start":119.905,"end":120.405,"sentiment":"neutral","sentiment_score":0.169926255941391},{"text":"Alright.","start":121.024994,"end":121.345,"sentiment":"neutral","sentiment_score":0.06925429403781891}],"sentiment":"neutral","sentiment_score":0.07714692163078682,"num_words":46,"start":72.905,"end":121.345},{"sentences":[{"text":"Well, before we jump into it, I guess, too much, I should let you know that our calls are recorded if you're okay with that.","start":121.345,"end":127.045,"sentiment":"neutral","sentiment_score":-0.0889288254082203},{"text":"Oh, shit.","start":127.345,"end":128.165,"sentiment":"negative","sentiment_score":-0.47489944100379944},{"text":"Alright.","start":129.345,"end":129.845,"sentiment":"neutral","sentiment_score":-0.07945157587528229},{"text":"So, basically, the the the document has a whole details, I guess, the conversations we went through and then the outcomes to all the research that I put together.","start":130.065,"end":143.0,"sentiment":"neutral","sentiment_score":-0.02300899848341942},{"text":"Now we obviously talked about a a number of a number of different things.","start":146.945,"end":150.405,"sentiment":"neutral","sentiment_score":-0.015211154041545731}],"sentiment":"neutral","sentiment_score":-0.05820687613646749,"num_words":71,"start":121.345,"end":150.405},{"sentences":[{"text":"Mainly focus like, the main focus of this advice document is on, like, your superannuation, the retirement strategies, and where that kind of comes to play.","start":150.945,"end":161.63,"sentiment":"neutral","sentiment_score":0.1895295430261355},{"text":"We obviously did speak about possible inheritance coming through in the future that was disregarded because time frames.","start":162.97,"end":172.67,"sentiment":"neutral","sentiment_score":-0.1769032378991445},{"text":"And I did consider the age pension.","start":176.055,"end":178.155,"sentiment":"neutral","sentiment_score":0.05292339622974396},{"text":"However, things do possibly change with the inheritance coming through.","start":178.775,"end":183.83499,"sentiment":"neutral","sentiment_score":-0.06993501670658589},{"text":"So I haven't put any sort of, I guess, Centrelink or age pension considerations in this document because we do have the expected change that will occur within the next five years or so.","start":184.775,"end":198.06999,"sentiment":"neutral","sentiment_score":-0.07761880404808942}],"sentiment":"neutral","sentiment_score":-0.01288858836418704,"num_words":95,"start":150.945,"end":198.06999},{"sentences":[{"text":"And then, obviously, the house is happening and you guys are building that, and we don't know exactly what the mortgage looks like as yet.","start":199.48999,"end":205.635,"sentiment":"neutral","sentiment_score":-0.0703611396253109},{"text":"So any sort of debt repayment strategies, I can't consider until we have the mortgage.","start":205.875,"end":210.61499,"sentiment":"neutral","sentiment_score":-0.1806812951962153},{"text":"Cool.","start":212.355,"end":212.855,"sentiment":"positive","sentiment_score":0.4496280550956726},{"text":"So what I looked at was tax effectiveness and growth.","start":215.715,"end":219.155,"sentiment":"neutral","sentiment_score":0.21032647788524628},{"text":"So one of the goals you had was you were sort of looking at trying to double the the projected balance that you had had sort of looked at.","start":219.155,"end":226.85797,"sentiment":"neutral","sentiment_score":0.22900154364520106}],"sentiment":"neutral","sentiment_score":0.05905862101353705,"num_words":80,"start":199.48999,"end":226.85797},{"sentences":[{"text":"You were looking at sort of at about 2 $100,000.","start":226.85797,"end":231.05635,"sentiment":"neutral","sentiment_score":0.10703139752149582},{"text":"When I went and had a look at, you know, projecting out where your current position sat, I had the same sort of outcome.","start":231.05635,"end":238.23499,"sentiment":"neutral","sentiment_score":0.10531668830662966},{"text":"I think it started at 203 ish.","start":238.23499,"end":240.655,"sentiment":"neutral","sentiment_score":0.14052671300513403},{"text":"So same sort of outcome on on that front.","start":241.435,"end":244.81499,"sentiment":"neutral","sentiment_score":0.26535012655788},{"text":"And, obviously, taking into consideration the fact that you do want to expand and increase to about that $400,000 mark.","start":246.555,"end":253.7,"sentiment":"neutral","sentiment_score":0.1809977676719427}],"sentiment":"neutral","sentiment_score":0.15128154254385404,"num_words":70,"start":226.85797,"end":253.7},{"sentences":[{"text":"Now you've currently already put money into your PSAP fund to the amount of $70.","start":254.16,"end":265.775,"sentiment":"neutral","sentiment_score":0.07268285825848579},{"text":"Yeah.","start":267.75497,"end":268.155,"sentiment":"neutral","sentiment_score":0.05859285965561867},{"text":"77 and a half.","start":268.155,"end":269.375,"sentiment":"neutral","sentiment_score":0.038079108111560345},{"text":"Yeah.","start":269.995,"end":270.495,"sentiment":"neutral","sentiment_score":0.07708417624235153},{"text":"Now, generally speaking, that money would have landed as a non concessional contribution and will require what's called a notice of intent to claim to be submitted alongside it.","start":272.155,"end":284.7,"sentiment":"neutral","sentiment_score":0.02937971676924619}],"sentiment":"neutral","sentiment_score":0.04460496257059276,"num_words":50,"start":254.16,"end":284.7},{"sentences":[{"text":"Now what that will do is that will convert that those funds from a taxable component into a tax free component.","start":288.455,"end":294.875,"sentiment":"neutral","sentiment_score":0.008552207478455134},{"text":"You you have sorry.","start":296.215,"end":297.575,"sentiment":"neutral","sentiment_score":-0.28365980833768845},{"text":"Other way around.","start":297.575,"end":298.29498,"sentiment":"neutral","sentiment_score":-0.1549756576617559},{"text":"Tax free component into a taxable, and the super fund will tax it, which enables you to then claim those funds back on your tax return.","start":298.29498,"end":307.43,"sentiment":"neutral","sentiment_score":0.24040497595874163},{"text":"So from a tax perspective, it's going to reduce your taxable income quite considerably this financial year, and we'll give you a bit of tax back when you do submit your tax return, which is fun.","start":309.16998,"end":324.755,"sentiment":"positive","sentiment_score":0.5768998335633013}],"sentiment":"neutral","sentiment_score":0.28443281704352963,"num_words":90,"start":288.455,"end":324.755},{"sentences":[{"text":"With respect to the contribution made, I wanted to confirm because I have drawn up a notice of intent to claim form for you to help you out.","start":326.335,"end":336.47,"sentiment":"neutral","sentiment_score":0.16846824437379837},{"text":"Have you at all submitted that form with p, double f, a p yet?","start":336.69,"end":340.87,"sentiment":"neutral","sentiment_score":0.02433352777734399},{"text":"Cool.","start":342.30502,"end":342.70502,"sentiment":"neutral","sentiment_score":-0.007248479872941971},{"text":"Well, yeah, it's 06/01 half, not the other.","start":342.70502,"end":346.785,"sentiment":"neutral","sentiment_score":0.02130110887810588},{"text":"Like, you can you have twelve months after the end of the financial year to submit it.","start":346.785,"end":351.285,"sentiment":"neutral","sentiment_score":0.03619360123925349}],"sentiment":"neutral","sentiment_score":0.08582693887600566,"num_words":68,"start":326.335,"end":351.285},{"sentences":[{"text":"So it's not an issue either either way time frame wise.","start":353.97,"end":358.93,"sentiment":"neutral","sentiment_score":0.13175288994203915},{"text":"So as the money's in, it can be converted at any point.","start":358.93,"end":362.38998,"sentiment":"neutral","sentiment_score":0.18758191540837288},{"text":"But I've drafted that up for you to to help you out because it's a not that it's a pain, but it's a bit of a document.","start":363.97,"end":370.58502,"sentiment":"neutral","sentiment_score":0.05990505853184947},{"text":"Yes.","start":378.725,"end":379.225,"sentiment":"neutral","sentiment_score":-0.01657530665397644},{"text":"No.","start":380.91,"end":381.23,"sentiment":"neutral","sentiment_score":-0.09841698408126832}],"sentiment":"neutral","sentiment_score":0.10005209738245377,"num_words":52,"start":353.97,"end":381.23},{"sentences":[{"text":"So you need to submit the notice of intent to claim document to the Superfund first before you submit your tax return.","start":381.23,"end":387.71002,"sentiment":"neutral","sentiment_score":-0.011791032315655188},{"text":"And then what the Superfund does is, basically, they give you a receipt, and you take that receipt to your account until when you do your tax return, and it works with any kind of deduction, basically.","start":387.71002,"end":399.325,"sentiment":"neutral","sentiment_score":0.18306366097484086},{"text":"Cool.","start":402.025,"end":402.525,"sentiment":"positive","sentiment_score":0.3711965084075928},{"text":"Yes.","start":413.80002,"end":414.30002,"sentiment":"neutral","sentiment_score":0.0637810230255127},{"text":"Yeah.","start":424.54498,"end":425.04498,"sentiment":"neutral","sentiment_score":-0.06263397634029388}],"sentiment":"neutral","sentiment_score":0.11106929516479853,"num_words":62,"start":381.23,"end":425.04498},{"sentences":[{"text":"Yes and no.","start":432.80002,"end":433.84,"sentiment":"neutral","sentiment_score":-0.11804693688948949},{"text":"Like, I understand that that, like, you have had considerable interest incurred, like, especially, like, the million dollars sitting in in the term yeah.","start":433.84,"end":443.46002,"sentiment":"neutral","sentiment_score":-0.14156692692389092},{"text":"Right.","start":462.37997,"end":462.87997,"sentiment":"neutral","sentiment_score":-0.006568580865859985},{"text":"Yeah.","start":472.23502,"end":472.475,"sentiment":"neutral","sentiment_score":0.0850888043642044},{"text":"That's okay.","start":472.475,"end":473.295,"sentiment":"neutral","sentiment_score":0.15658190846443176}],"sentiment":"neutral","sentiment_score":-0.10838912956176265,"num_words":31,"start":432.80002,"end":473.295},{"sentences":[{"text":"I know that not something you wanna do.","start":474.715,"end":480.495,"sentiment":"neutral","sentiment_score":-0.20466470811516047},{"text":"Yeah.","start":505.065,"end":505.565,"sentiment":"neutral","sentiment_score":-0.09008678793907166},{"text":"Yeah.","start":513.77,"end":514.27,"sentiment":"neutral","sentiment_score":-0.0025298036634922028},{"text":"And deal with as well.","start":515.13,"end":516.57,"sentiment":"neutral","sentiment_score":-0.024584638699889184},{"text":"No.","start":516.57,"end":516.81,"sentiment":"neutral","sentiment_score":-0.1676827371120453}],"sentiment":"neutral","sentiment_score":-0.12628376169595867,"num_words":16,"start":474.715,"end":516.81},{"sentences":[{"text":"That that's absolutely okay.","start":516.81,"end":518.99,"sentiment":"neutral","sentiment_score":-0.06315821595489979},{"text":"The the good thing is is that everything's pretty much, like, sitting in your wife's name.","start":519.29,"end":524.305,"sentiment":"neutral","sentiment_score":0.3103797798976302},{"text":"So your so you personally, you will actually get a return like, a a refund.","start":526.045,"end":531.905,"sentiment":"neutral","sentiment_score":0.2611362437407176},{"text":"It's just your wife's gonna get hit with the tax, which I understand it's all and all the same.","start":532.28503,"end":537.25995,"sentiment":"neutral","sentiment_score":-0.16267099133447596},{"text":"But Yeah.","start":537.25995,"end":562.65,"sentiment":"neutral","sentiment_score":-0.013479189947247505}],"sentiment":"neutral","sentiment_score":0.09844250098935195,"num_words":56,"start":516.81,"end":562.65},{"sentences":[{"text":"It well, it should I mean, depending on how much interest has obviously been accumulated on your wife's side, it will give you a a a definite ability to move forward and and depending on how much your wife has accumulated in tax, your outcome should actually give you quite a bit of a return.","start":562.65,"end":591.94,"sentiment":"positive","sentiment_score":0.36476855833422056},{"text":"Because realistically speaking, your taxable income because you you earn a 102,000.","start":598.975,"end":605.475,"sentiment":"neutral","sentiment_score":-0.004188383308549722},{"text":"Your taxable income's going to drop down quite considerably this financial year because you've contributed the 77,000, which means that you're going to get quite a bit back because the tax that you should have paid is quite minimal in comparison to what you have paid.","start":605.77496,"end":627.795,"sentiment":"neutral","sentiment_score":-0.09957992880726638},{"text":"So you should be paying about $300 in tax for the year.","start":628.09503,"end":632.515,"sentiment":"neutral","sentiment_score":0.016221458092331886},{"text":"What you've actually paid is about $23,000 of tax for the year.","start":633.215,"end":639.795,"sentiment":"neutral","sentiment_score":-0.010028628011544546}],"sentiment":"neutral","sentiment_score":0.1131799076241951,"num_words":137,"start":562.65,"end":639.795},{"sentences":[{"text":"Right.","start":651.39,"end":651.89,"sentiment":"neutral","sentiment_score":0.038113437592983246},{"text":"Yes.","start":658.045,"end":658.545,"sentiment":"neutral","sentiment_score":0.011370047926902773},{"text":"No.","start":658.845,"end":659.345,"sentiment":"neutral","sentiment_score":-0.09604287147521973},{"text":"Not not quite.","start":659.565,"end":661.265,"sentiment":"neutral","sentiment_score":-0.09048840155204137},{"text":"So the Superfund pays tax.","start":665.5,"end":667.58,"sentiment":"neutral","sentiment_score":-0.004989031702280043}],"sentiment":"neutral","sentiment_score":-0.031179068102078003,"num_words":11,"start":651.39,"end":667.58},{"sentences":[{"text":"So, basically, for the next little bit, there'll be a double amount of tax that's been paid, and then you get your marginal rate back.","start":667.58,"end":677.04004,"sentiment":"neutral","sentiment_score":0.03413016950711608},{"text":"So it ends up being, like, if you consider the tax all around, then, yes, the difference is about that that 10 to 12.","start":677.34503,"end":684.72504,"sentiment":"neutral","sentiment_score":0.06971073414509495},{"text":"But because the the Superfund has to pay the Superfund tax, so it pays the 15%.","start":686.305,"end":691.765,"sentiment":"neutral","sentiment_score":0.10711767431348562},{"text":"So out of the 77 and a half thousand dollars, like, the Superfund pays, you know, that 15%, which ends up being sort of $11.06 25.","start":691.95,"end":701.73004,"sentiment":"neutral","sentiment_score":0.15622795201264894},{"text":"And it will pay it from its own pool of money.","start":703.39,"end":706.61,"sentiment":"neutral","sentiment_score":0.21407510069283572}],"sentiment":"neutral","sentiment_score":0.10447987751103938,"num_words":102,"start":667.58,"end":706.61},{"sentences":[{"text":"And then from there, you get your marginal rate back.","start":707.695,"end":710.835,"sentiment":"neutral","sentiment_score":0.15891827046871185},{"text":"So you you end up in the hand with that 20.","start":711.695,"end":716.59503,"sentiment":"neutral","sentiment_score":0.14519074897874484},{"text":"Yeah.","start":719.95,"end":720.45,"sentiment":"neutral","sentiment_score":0.020211968570947647},{"text":"No.","start":721.71,"end":722.21,"sentiment":"neutral","sentiment_score":-0.020483769476413727},{"text":"But when you calculate it and you look at taxes paid, then the the difference is sort of that, you know, $10.","start":722.27,"end":727.97003,"sentiment":"neutral","sentiment_score":0.031407608057964935}],"sentiment":"neutral","sentiment_score":0.08615503377384609,"num_words":45,"start":707.695,"end":727.97003},{"sentences":[{"text":"But in the hands, you'll end up with it all back.","start":729.07,"end":732.66504,"sentiment":"neutral","sentiment_score":0.05399975248358466},{"text":"Yeah.","start":732.965,"end":733.465,"sentiment":"neutral","sentiment_score":0.047994498163461685},{"text":"Yeah.","start":743.205,"end":743.685,"sentiment":"neutral","sentiment_score":0.01335650496184826},{"text":"Because otherwise because what it does is it physically reduces your taxable income.","start":743.685,"end":748.44,"sentiment":"neutral","sentiment_score":0.02304982737852977},{"text":"Now, obviously, if you've got income from other sources, which you don't because your only income source is the 100 and the $100, because all of the assets, bank accounts, and everything else is in Linda's name.","start":748.44,"end":762.225,"sentiment":"neutral","sentiment_score":0.09943871300768208}],"sentiment":"neutral","sentiment_score":0.07355918123253755,"num_words":63,"start":729.07,"end":762.225},{"sentences":[{"text":"So you don't incur any additional taxes, not pushing you over any of the caps or anything like that.","start":762.605,"end":767.82495,"sentiment":"neutral","sentiment_score":0.15767005909430354},{"text":"You're gonna get all of it back, and from that $20, you're gonna be able to then go in well, I mean, Linda pays Linda's bill, really.","start":768.925,"end":778.88,"sentiment":"positive","sentiment_score":0.34942423083164076},{"text":"And, hopefully hopefully, end up still in the green or in the black, I should say.","start":779.10004,"end":788.01495,"sentiment":"neutral","sentiment_score":0.01583625515922904},{"text":"See see how many years.","start":791.355,"end":792.89496,"sentiment":"neutral","sentiment_score":-0.07995657175779343},{"text":"It kind of add up.","start":793.51495,"end":794.815,"sentiment":"neutral","sentiment_score":-0.10271799862384796}],"sentiment":"neutral","sentiment_score":0.16347489702618784,"num_words":72,"start":762.605,"end":794.815},{"sentences":[{"text":"How many tax returns do you have?","start":796.235,"end":798.33496,"sentiment":"neutral","sentiment_score":0.007481043559632131},{"text":"Okay.","start":801.63,"end":802.13,"sentiment":"neutral","sentiment_score":0.012304773554205894},{"text":"Yeah.","start":827.26,"end":827.76,"sentiment":"neutral","sentiment_score":0.31503015756607056},{"text":"That's okay.","start":840.315,"end":841.055,"sentiment":"neutral","sentiment_score":0.21550357341766357},{"text":"So that that money's already in.","start":843.51495,"end":847.85,"sentiment":"neutral","sentiment_score":0.12347699205080669}],"sentiment":"neutral","sentiment_score":0.0912689020692864,"num_words":17,"start":796.235,"end":847.85},{"sentences":[{"text":"We just need to submit the notice of intent to claim, which, realistically, we can't we just submit just before you go and sit down with your accountant.","start":847.85,"end":855.15,"sentiment":"neutral","sentiment_score":0.03952059379246618},{"text":"So yeah.","start":858.33,"end":858.97,"sentiment":"neutral","sentiment_score":0.06560690328478813},{"text":"Now outside of that, there's sort of about three or four pages worth of information on on making that contribution and the tax savings and all the rest of the stuff.","start":858.97,"end":870.235,"sentiment":"neutral","sentiment_score":0.09902562543509467},{"text":"We I've then made some recommendations based on getting the goals that we're wanting to achieve.","start":872.53503,"end":879.69,"sentiment":"neutral","sentiment_score":0.3086827890947461},{"text":"So looking at how we can achieve the 400,000 in your super looking, you know, and above.","start":879.69,"end":888.02997,"sentiment":"neutral","sentiment_score":0.31461453087189617}],"sentiment":"neutral","sentiment_score":0.15526549437856105,"num_words":94,"start":847.85,"end":888.02997},{"sentences":[{"text":"Looking at how we can ultimately grow the funds you have, be tax effective, and hit all the points.","start":888.65,"end":895.96497,"sentiment":"positive","sentiment_score":0.360719391389897},{"text":"I looked at PSAT.","start":896.745,"end":898.685,"sentiment":"neutral","sentiment_score":0.00702381506562233},{"text":"The investment offerings under the fund are really limited, and I was pretty not disappointed.","start":899.385,"end":907.81,"sentiment":"neutral","sentiment_score":-0.00893549273411433},{"text":"Like, I've dealt with the fund before.","start":907.81,"end":909.26996,"sentiment":"neutral","sentiment_score":-0.008917685598134995},{"text":"A lot of the funds are like that, but I was pretty locked on what was accessible under that fund.","start":909.81,"end":915.82996,"sentiment":"neutral","sentiment_score":-0.11119271162897348}],"sentiment":"neutral","sentiment_score":0.06863774267526773,"num_words":65,"start":888.65,"end":915.82996},{"sentences":[{"text":"Due to that and the historical returns, I've actually looked at another fund and going into what's called hub twenty four.","start":916.20996,"end":924.445,"sentiment":"neutral","sentiment_score":-0.021541736931318327},{"text":"I did look at quite a number of different super funds to see what would best work.","start":924.665,"end":930.445,"sentiment":"neutral","sentiment_score":0.10988486689679763},{"text":"Hub twenty four worked out from a fees point of view, the fact that they aggregate trade, which means that they trade internally rather than always going to the open market.","start":930.90497,"end":939.14,"sentiment":"positive","sentiment_score":0.3661303433679765},{"text":"So it keeps your trading and your your buy sell costs a lot lower.","start":939.14,"end":943.0,"sentiment":"positive","sentiment_score":0.6933906908546176},{"text":"And the platform is really intuitive from a a clientele point of view as well.","start":944.74,"end":948.58,"sentiment":"positive","sentiment_score":0.677521554629008}],"sentiment":"neutral","sentiment_score":0.333020407117295,"num_words":98,"start":916.20996,"end":948.58},{"sentences":[{"text":"So transparent, you being able to see, you know, what's happening, what trades are happening, what's being bought and sold, and where everything's moving.","start":948.58,"end":957.05505,"sentiment":"positive","sentiment_score":0.5995877124369144},{"text":"So it works really nicely for for you as well.","start":958.47504,"end":961.29504,"sentiment":"positive","sentiment_score":0.8237898588180542},{"text":"Now what I'm ultimately recommending is that we do a full consolidation from PWSA pay over to Hub twenty four.","start":961.435,"end":969.04,"sentiment":"neutral","sentiment_score":0.1818854261189699},{"text":"Now we will only complete that once you submitted the notice of intent to claim.","start":969.18,"end":973.18,"sentiment":"neutral","sentiment_score":0.06707754209637642},{"text":"The reason for that is is the notice of intent to claim actually has to be submitted on the funds that you make the contribution to.","start":973.18,"end":978.72504,"sentiment":"neutral","sentiment_score":-0.06985152068619545}],"sentiment":"neutral","sentiment_score":0.26795511371211,"num_words":95,"start":948.58,"end":978.72504},{"sentences":[{"text":"If you don't submit it to the funds that you've made the contribution to, you lose the ability to claim that.","start":979.10504,"end":983.765,"sentiment":"negative","sentiment_score":-0.41604610851832796},{"text":"So based on the amount that you've made, we're not gonna trigger any rollovers until you have 100% made that claim and until you have that receipt in hand.","start":983.985,"end":993.09,"sentiment":"neutral","sentiment_score":0.10315088079921131},{"text":"And as I said, that that notes of intent can be submitted at any time.","start":993.33,"end":996.63,"sentiment":"neutral","sentiment_score":0.11546607812245686},{"text":"Now under Hub 24, we'll then invest it into a portfolio that I've built.","start":999.73004,"end":1005.73004,"sentiment":"neutral","sentiment_score":0.10341210556881768},{"text":"I'll go through the portfolio with you in a second.","start":1005.73004,"end":1008.71,"sentiment":"neutral","sentiment_score":0.08809057511389255}],"sentiment":"neutral","sentiment_score":-0.018931756570432962,"num_words":89,"start":979.10504,"end":1008.71},{"sentences":[{"text":"But what we would do is we would obviously redirect your employer contributions over to Hub twenty four as well.","start":1009.545,"end":1015.725,"sentiment":"neutral","sentiment_score":0.04429266043007374},{"text":"The investment options that are offered under PSAP are really limited.","start":1022.28,"end":1026.78,"sentiment":"negative","sentiment_score":-0.47108319943601434},{"text":"So you don't have the ability to diversify in asset holdings as much as what you do under and, like, other funds, but in this specific instance, Hub twenty four.","start":1026.92,"end":1039.665,"sentiment":"neutral","sentiment_score":-0.0946638973429799},{"text":"So Hub twenty four allow us to invest in a bunch of different assets under available under market.","start":1039.665,"end":1048.165,"sentiment":"neutral","sentiment_score":0.10953786720832188},{"text":"Now we, internally, we don't invest in anything that's risky.","start":1048.59,"end":1051.7899,"sentiment":"neutral","sentiment_score":-0.12669138982892036}],"sentiment":"neutral","sentiment_score":-0.0722607999328482,"num_words":89,"start":1009.545,"end":1051.7899},{"sentences":[{"text":"We invest in, you know, exchange trade funds or managed funds that are guaranteed and backed.","start":1051.7899,"end":1061.055,"sentiment":"neutral","sentiment_score":0.02937890379689634},{"text":"So when we do our research, we only offer investment grade or above investments.","start":1061.135,"end":1066.515,"sentiment":"neutral","sentiment_score":0.025102532601782253},{"text":"So we don't we don't invest in anything that's risky or anything that's new to market.","start":1066.895,"end":1071.7151,"sentiment":"neutral","sentiment_score":-0.30104292649775743},{"text":"We wanna make sure that we're obviously popping our clients into investments that are going to be beneficial to them long term, especially when we talk about superannuation.","start":1073.23,"end":1084.0499,"sentiment":"positive","sentiment_score":0.4315930977463722},{"text":"Now PWSA pay only have a very limited investment offering.","start":1085.71,"end":1091.535,"sentiment":"neutral","sentiment_score":0.03331490382552147}],"sentiment":"neutral","sentiment_score":0.10026865319481917,"num_words":84,"start":1051.7899,"end":1091.535},{"sentences":[{"text":"So they have their multi asset offerings, and that's all they really offer.","start":1091.8351,"end":1096.895,"sentiment":"neutral","sentiment_score":0.25065633769218737},{"text":"There's no other ability to diversify out, and the returns that I was finding under PWSA pay just weren't gonna hit the mark for what you wanted to get.","start":1097.1951,"end":1107.37,"sentiment":"neutral","sentiment_score":0.1544121667413555},{"text":"So that's why I looked at moving.","start":1109.5099,"end":1111.13,"sentiment":"neutral","sentiment_score":0.05864865439278739},{"text":"Yeah.","start":1113.6849,"end":1113.9249,"sentiment":"neutral","sentiment_score":0.024476785212755203},{"text":"So no.","start":1113.9249,"end":1114.885,"sentiment":"neutral","sentiment_score":-0.018050731159746647}],"sentiment":"neutral","sentiment_score":0.15645002171424074,"num_words":52,"start":1091.8351,"end":1114.885},{"sentences":[{"text":"That's okay.","start":1114.885,"end":1115.6849,"sentiment":"neutral","sentiment_score":0.08819947391748428},{"text":"Hub twenty four, just like any other, like, super fund are the platform.","start":1115.6849,"end":1121.225,"sentiment":"neutral","sentiment_score":0.11115341690870431},{"text":"They are the trustee.","start":1121.445,"end":1122.6649,"sentiment":"neutral","sentiment_score":0.16305755078792572},{"text":"So just like your Australian supers or your, you know, Host Plus or qSuper, anything like that, Hub twenty four is a a a super fund trustee.","start":1123.365,"end":1132.4299,"sentiment":"neutral","sentiment_score":0.1290699444987156},{"text":"They're actually one of the biggest trustees available with trillions under management, but they are a retail fund, whereas you would be used to seeing your industry funds advertised.","start":1132.4299,"end":1146.405,"sentiment":"neutral","sentiment_score":0.07437417585531185}],"sentiment":"neutral","sentiment_score":0.10553817562758923,"num_words":75,"start":1114.885,"end":1146.405},{"sentences":[{"text":"So on the, you know, on the on the news and whatever else, it's always, you know, your C bus and your industry funds that will be advertised.","start":1147.745,"end":1155.18,"sentiment":"neutral","sentiment_score":0.10042077848421675},{"text":"Your retail funds don't advertise, and that's because, like, they have a wider offering.","start":1155.4,"end":1162.36,"sentiment":"neutral","sentiment_score":0.11839597150018173},{"text":"So they are an investment platform.","start":1162.36,"end":1164.06,"sentiment":"neutral","sentiment_score":0.2545676628748576},{"text":"So you can you can actually invest under the platform outside of your superannuation as well.","start":1164.28,"end":1168.5651,"sentiment":"neutral","sentiment_score":0.27495784871280193},{"text":"So you can actually have, you know, a whole a whole investment account that's kind of connected to your super fund, but personally owned by yourself, which is, you know, which makes it really cool on that side.","start":1168.5651,"end":1180.5,"sentiment":"positive","sentiment_score":0.4967336278212698}],"sentiment":"neutral","sentiment_score":0.286979753062969,"num_words":102,"start":1147.745,"end":1180.5},{"sentences":[{"text":"So more of an investment platform than just a a super funds like your your industry funds are.","start":1180.74,"end":1185.8,"sentiment":"positive","sentiment_score":0.3433980751368735},{"text":"Yeah.","start":1187.22,"end":1187.72,"sentiment":"neutral","sentiment_score":-0.0595787949860096},{"text":"Now, ultimately, what we're gonna look at doing is transferring all of the money that's in your account now over, which would be sitting up over a $100,000 based on the contribution that you've made into the fund, which is great.","start":1189.38,"end":1203.865,"sentiment":"neutral","sentiment_score":0.15917891572888304},{"text":"You look look at you go.","start":1203.865,"end":1204.985,"sentiment":"neutral","sentiment_score":0.3096028019984563},{"text":"You went from, like, $30 or or what else?","start":1204.985,"end":1207.885,"sentiment":"neutral","sentiment_score":0.0638539017074638}],"sentiment":"neutral","sentiment_score":0.20106965372959773,"num_words":75,"start":1180.74,"end":1207.885},{"sentences":[{"text":"Over a 100.","start":1208.6649,"end":1209.565,"sentiment":"neutral","sentiment_score":0.028992818668484688},{"text":"That would have felt good.","start":1210.07,"end":1211.85,"sentiment":"neutral","sentiment_score":0.044698793441057205},{"text":"Yeah.","start":1218.47,"end":1218.95,"sentiment":"neutral","sentiment_score":-0.003842304460704326},{"text":"Let's try.","start":1218.95,"end":1219.69,"sentiment":"neutral","sentiment_score":-0.012525524012744427},{"text":"Yeah.","start":1221.67,"end":1222.17,"sentiment":"neutral","sentiment_score":-0.015414496883749962}],"sentiment":"neutral","sentiment_score":0.022180381153399747,"num_words":12,"start":1208.6649,"end":1222.17},{"sentences":[{"text":"Yes.","start":1230.995,"end":1231.495,"sentiment":"neutral","sentiment_score":0.14201471209526062},{"text":"Yes.","start":1252.4651,"end":1252.9651,"sentiment":"neutral","sentiment_score":0.0427464172244072},{"text":"You did?","start":1254.305,"end":1254.9651,"sentiment":"neutral","sentiment_score":0.010923086199909449},{"text":"Yes.","start":1262.08,"end":1262.58,"sentiment":"neutral","sentiment_score":-0.003023207187652588},{"text":"So that yes.","start":1266.32,"end":1268.2599,"sentiment":"neutral","sentiment_score":-0.02345476361612479}],"sentiment":"neutral","sentiment_score":0.01665247546043247,"num_words":8,"start":1230.995,"end":1268.2599},{"sentences":[{"text":"Yeah.","start":1274.895,"end":1275.395,"sentiment":"neutral","sentiment_score":0.006214412860572338},{"text":"Yep.","start":1282.8401,"end":1283.3401,"sentiment":"neutral","sentiment_score":0.08406015485525131},{"text":"I sure do.","start":1292.8401,"end":1293.9801,"sentiment":"neutral","sentiment_score":0.0033070618907610574},{"text":"Cool.","start":1295.1749,"end":1295.6749,"sentiment":"neutral","sentiment_score":0.1578318178653717},{"text":"So mhmm.","start":1300.455,"end":1304.865,"sentiment":"neutral","sentiment_score":0.044833580031991005}],"sentiment":"neutral","sentiment_score":0.04346184141468257,"num_words":8,"start":1274.895,"end":1304.865},{"sentences":[{"text":"Yep.","start":1304.865,"end":1305.365,"sentiment":"neutral","sentiment_score":0.06282761693000793},{"text":"Yep.","start":1308.39,"end":1308.89,"sentiment":"neutral","sentiment_score":0.05675400048494339},{"text":"Then from there, what what I'm recommending is if you have a look, you can see the breakdown on page 20 if you have it open.","start":1311.0299,"end":1319.9299,"sentiment":"neutral","sentiment_score":0.12128914684916918},{"text":"Cool.","start":1321.285,"end":1321.785,"sentiment":"positive","sentiment_score":0.4687112271785736},{"text":"But page 20 kind of outlines the investment breakdown, so the assets that I'm recommending that we we invest in.","start":1322.5651,"end":1334.085,"sentiment":"neutral","sentiment_score":0.1646184127777815}],"sentiment":"neutral","sentiment_score":0.1435546718005623,"num_words":49,"start":1304.865,"end":1334.085},{"sentences":[{"text":"So as you'll see, the first word of each line is actually the investment manager.","start":1334.085,"end":1338.38,"sentiment":"neutral","sentiment_score":0.054589973265926045},{"text":"So your BetaShares, iShares, your Vanguard, Global X.","start":1338.38,"end":1341.18,"sentiment":"neutral","sentiment_score":0.04358622618019581},{"text":"They are all investment managers.","start":1341.18,"end":1342.56,"sentiment":"neutral","sentiment_score":0.004680181294679642},{"text":"I'm not recommending any investment manager that hasn't been around for a long time, and the asset that I'm recommending have all been around for a long time as well.","start":1342.86,"end":1350.945,"sentiment":"neutral","sentiment_score":-0.28521881649891534},{"text":"Now each of the assets are there to do a different thing.","start":1352.1449,"end":1356.565,"sentiment":"neutral","sentiment_score":-0.0038309676262239614}],"sentiment":"neutral","sentiment_score":-0.1058799398796899,"num_words":70,"start":1334.085,"end":1356.565},{"sentences":[{"text":"So each of these lines so take Hack, for example.","start":1356.7849,"end":1359.6849,"sentiment":"neutral","sentiment_score":0.019237512536346913},{"text":"Hack has about 30 different companies or securities in that in that holding.","start":1359.745,"end":1366.325,"sentiment":"neutral","sentiment_score":0.011718760172908124},{"text":"Now Hack is exactly as it says.","start":1368.89,"end":1370.5701,"sentiment":"neutral","sentiment_score":0.04142390351210322},{"text":"It says it's a cybersecurity, so it's a bit of, like, thematics in the in the investment.","start":1370.5701,"end":1374.67,"sentiment":"neutral","sentiment_score":0.025794618653462213},{"text":"So a bit of spice, basically.","start":1375.13,"end":1376.8301,"sentiment":"neutral","sentiment_score":-0.018783870463569958}],"sentiment":"neutral","sentiment_score":0.018122483519310097,"num_words":53,"start":1356.7849,"end":1376.8301},{"sentences":[{"text":"It is a little bit more volatile than any of the other assets.","start":1377.53,"end":1381.0701,"sentiment":"neutral","sentiment_score":-0.2228545414713713},{"text":"We're only I'm only looking at putting 5% in it, but it's there to be able to have that sector, have that cybersecurities, that that investment holding within that sector.","start":1381.265,"end":1394.305,"sentiment":"neutral","sentiment_score":0.08589087852997182},{"text":"So that way, we can get some of the gains that come from that sector because it it is obviously a massive sector that is starting to to build up quite a lot.","start":1394.305,"end":1402.3,"sentiment":"neutral","sentiment_score":0.21780077435753561},{"text":"We then have our next three, which are our our world diversification.","start":1403.3201,"end":1407.5,"sentiment":"neutral","sentiment_score":0.07728024820486705},{"text":"So we've got our Europe, our Japan, our Vanguard, all world excluding The US.","start":1408.28,"end":1412.4601,"sentiment":"neutral","sentiment_score":0.05341381606246744}],"sentiment":"neutral","sentiment_score":0.08374705170493091,"num_words":102,"start":1377.53,"end":1412.4601},{"sentences":[{"text":"And, again, these are all small holdings.","start":1414.535,"end":1416.395,"sentiment":"neutral","sentiment_score":0.044430230877229145},{"text":"They're our international holdings.","start":1416.535,"end":1418.235,"sentiment":"neutral","sentiment_score":0.04931154940277338},{"text":"Each of those have another anywhere between ten and fifty assets within them as well.","start":1418.615,"end":1423.995,"sentiment":"neutral","sentiment_score":0.039398404955863955},{"text":"Then our our middle two, I guess, is our S and P 500, which is very, very American heavy, and we have our beta shares Australia 200.","start":1425.67,"end":1436.0901,"sentiment":"neutral","sentiment_score":0.05374356359243393},{"text":"You'll notice that these two make up the core of the investment.","start":1436.39,"end":1439.77,"sentiment":"neutral","sentiment_score":0.0950117614120245}],"sentiment":"neutral","sentiment_score":0.05677617295430257,"num_words":65,"start":1414.535,"end":1439.77},{"sentences":[{"text":"So what I guess, what this investment's or or strategy is is it's what's referred to as a core and satellite.","start":1440.3251,"end":1447.605,"sentiment":"neutral","sentiment_score":0.0441413378076894},{"text":"So you have a a bulk core of your investment, which is where the majority of your money sits, and then you have little satellites that sit out outside that is there to offset any of the the market volatility, which is what you'll find the last two do, the gold and your core composite bond.","start":1447.605,"end":1462.9099,"sentiment":"neutral","sentiment_score":0.12657298294029065},{"text":"They are both there to cushion and offset market volatility or to capture growth in different areas.","start":1462.97,"end":1469.225,"sentiment":"neutral","sentiment_score":0.1852344704024932},{"text":"Because you don't wanna be sitting too heavily in, you know, one area versus another.","start":1469.225,"end":1473.145,"sentiment":"neutral","sentiment_score":0.0595085342725118},{"text":"You wanna make sure that you have a good blend of sectors and demographically as well.","start":1473.145,"end":1479.0,"sentiment":"neutral","sentiment_score":0.18519352190196514}],"sentiment":"neutral","sentiment_score":0.12015812399983405,"num_words":125,"start":1440.3251,"end":1479.0},{"sentences":[{"text":"Makes sense?","start":1481.56,"end":1482.38,"sentiment":"neutral","sentiment_score":0.11490185931324959},{"text":"Cool.","start":1483.64,"end":1484.14,"sentiment":"positive","sentiment_score":0.426175594329834},{"text":"Cool.","start":1484.76,"end":1485.26,"sentiment":"positive","sentiment_score":0.4073824882507324},{"text":"The next couple pages just kinda shows you, I guess, a visual breakdown of everything.","start":1488.2,"end":1492.46,"sentiment":"neutral","sentiment_score":0.1336713453133901},{"text":"Page 22.","start":1493.825,"end":1494.965,"sentiment":"neutral","sentiment_score":0.04903424717485905}],"sentiment":"neutral","sentiment_score":0.15078573691703023,"num_words":21,"start":1481.56,"end":1494.965},{"sentences":[{"text":"This shows the fees, the returns, and a breakdown of everything that's sitting there.","start":1495.745,"end":1502.805,"sentiment":"neutral","sentiment_score":0.07409828076405185},{"text":"Now there is obviously a massive difference between p, double f, a p to hub 24 in terms of fees and operational costs.","start":1503.585,"end":1513.37,"sentiment":"neutral","sentiment_score":-0.024212672982526863},{"text":"This stage is a like for like of your p, double f, a p to hub 24 as they basically currently stand.","start":1514.23,"end":1523.8049,"sentiment":"neutral","sentiment_score":0.022841485555876385},{"text":"So with with the the money that you put in, so you'll see this concessional contribution of $65.08 75.","start":1523.945,"end":1531.465,"sentiment":"neutral","sentiment_score":0.06966719364649371},{"text":"That's because once the tax comes off it, that's the net amount that goes into the fund and what that looks like compounding.","start":1531.465,"end":1538.2201,"sentiment":"neutral","sentiment_score":0.055220116142426494}],"sentiment":"neutral","sentiment_score":0.03541323252363444,"num_words":101,"start":1495.745,"end":1538.2201},{"sentences":[{"text":"So if you pop down to the next page, you'll see that compounding, that's what the outcome is with respect to the accounts after five and seven years.","start":1538.2201,"end":1548.56,"sentiment":"neutral","sentiment_score":0.08334081673196383},{"text":"And that's with your current con like, your current employer contributions as they currently stand with the 15% of your current wage and just that one off contribution.","start":1551.335,"end":1560.315,"sentiment":"neutral","sentiment_score":0.07222092657216958},{"text":"I wanted to stage this out so you could see kind of how it flows as we progress the stages.","start":1560.775,"end":1565.8099,"sentiment":"neutral","sentiment_score":0.19225278683006763},{"text":"Does that make sense?","start":1565.87,"end":1566.67,"sentiment":"neutral","sentiment_score":0.10554859787225723},{"text":"So this is only stage one as a comparison between the two.","start":1566.67,"end":1570.75,"sentiment":"neutral","sentiment_score":0.007549724231163661}],"sentiment":"neutral","sentiment_score":0.0947127786019574,"num_words":92,"start":1538.2201,"end":1570.75},{"sentences":[{"text":"Okay?","start":1570.75,"end":1571.25,"sentiment":"neutral","sentiment_score":0.04696422815322876},{"text":"Cool.","start":1572.11,"end":1572.61,"sentiment":"neutral","sentiment_score":0.27083760499954224},{"text":"Now what I wanna do Yes.","start":1573.23,"end":1581.0349,"sentiment":"neutral","sentiment_score":0.05218318166832129},{"text":"Which is why we we implement a few other changes.","start":1588.375,"end":1591.195,"sentiment":"neutral","sentiment_score":0.17629206776618958},{"text":"So next financial year, what we would look at doing is make another $9,390 contribution.","start":1591.63,"end":1603.33,"sentiment":"neutral","sentiment_score":0.27376599609851837}],"sentiment":"neutral","sentiment_score":0.19697913764552635,"num_words":33,"start":1570.75,"end":1603.33},{"sentences":[{"text":"So that can technically be made anytime during next financial year depending on your cash flow.","start":1603.95,"end":1609.015,"sentiment":"neutral","sentiment_score":0.3045851066708565},{"text":"Obviously, the earlier it goes in, the more compound it has over time, but it just has to be done before June 30 2027.","start":1609.235,"end":1618.3099,"sentiment":"neutral","sentiment_score":0.0817661479425927},{"text":"And what that's gonna do is, obviously, it's gonna do the same thing as the $77,000 did by reducing your taxable income.","start":1621.09,"end":1628.5499,"sentiment":"neutral","sentiment_score":0.26067072627219284},{"text":"But second to that, it's using up all of your unused concessional caps.","start":1628.85,"end":1637.015,"sentiment":"neutral","sentiment_score":-0.052682443880117856},{"text":"So you're not gonna have any carry like, carry forward concessional contribution caps left once you've made this this like, these contributions.","start":1637.715,"end":1647.44,"sentiment":"neutral","sentiment_score":0.047975152053616264}],"sentiment":"neutral","sentiment_score":0.13341326608332163,"num_words":97,"start":1603.95,"end":1647.44},{"sentences":[{"text":"So the 77,000 plus the $99,000 uses up all of that space that we that we previously had from years that you hadn't used.","start":1647.44,"end":1655.7,"sentiment":"neutral","sentiment_score":0.058966051476697125},{"text":"Okay?","start":1656.32,"end":1656.82,"sentiment":"neutral","sentiment_score":0.020377686247229576},{"text":"Now following that, what I wanted to do was I actually wanted to look at liquidating some of the assets that your wife has in her name.","start":1657.84,"end":1667.275,"sentiment":"neutral","sentiment_score":0.04266743982831637},{"text":"So the can I butcher the name of it 100%?","start":1668.535,"end":1674.89,"sentiment":"neutral","sentiment_score":-0.03373312503099442},{"text":"The the Gyro something or other.","start":1675.43,"end":1679.53,"sentiment":"neutral","sentiment_score":-0.11435603722929955}],"sentiment":"neutral","sentiment_score":0.02300171063774649,"num_words":68,"start":1647.44,"end":1679.53},{"sentences":[{"text":"I should know this off the top of my head, but sorry.","start":1680.4701,"end":1688.325,"sentiment":"neutral","sentiment_score":-0.11297189133862655},{"text":"I've looked at it so many times.","start":1688.705,"end":1689.985,"sentiment":"neutral","sentiment_score":-0.11399278789758682},{"text":"You'd think I'd remember exactly what it's called.","start":1689.985,"end":1692.405,"sentiment":"neutral","sentiment_score":-0.07283922377973795},{"text":"The Griffin.","start":1693.025,"end":1693.765,"sentiment":"neutral","sentiment_score":-0.06371489726006985},{"text":"Why was I trying to say Gyro?","start":1694.465,"end":1696.005,"sentiment":"neutral","sentiment_score":-0.07418051149163928}],"sentiment":"neutral","sentiment_score":-0.09397276045961513,"num_words":36,"start":1680.4701,"end":1696.005},{"sentences":[{"text":"The the the Griffin assets.","start":1696.53,"end":1700.63,"sentiment":"neutral","sentiment_score":-0.03227058872580528},{"text":"Yeah.","start":1701.5701,"end":1702.0701,"sentiment":"neutral","sentiment_score":0.0025665340945124626},{"text":"Yeah.","start":1703.89,"end":1703.97,"sentiment":"neutral","sentiment_score":-0.017013363540172577},{"text":"Don't ask me why I butchered that, but anyway so I wanted to look at liquidating those, and the biggest reason is that it'll the interest will reduce the amount of tax that your wife has to pay.","start":1703.97,"end":1720.555,"sentiment":"neutral","sentiment_score":0.04552275765883295},{"text":"So it means that there's not gonna be as much of a push on on that side of things for her with with the tax returns, and it's gonna have a better compound because your 6% that you're earning are well, I mean, Griffin is not it's it's just stock option.","start":1722.1901,"end":1738.6649,"sentiment":"neutral","sentiment_score":0.14656922666757716}],"sentiment":"neutral","sentiment_score":0.09405307893757708,"num_words":96,"start":1696.53,"end":1738.6649},{"sentences":[{"text":"So it's it's a it's a different sort of kettle fish, but the returns aren't there within that within that asset that I can see.","start":1738.6649,"end":1746.9249,"sentiment":"neutral","sentiment_score":-0.058260214775800706},{"text":"Yeah.","start":1751.64,"end":1752.14,"sentiment":"neutral","sentiment_score":0.06013043224811554},{"text":"And what I wanna do is I wanna get them that that money compounding for you guys and really working on it rather sort of sitting a bit stagnant.","start":1753.48,"end":1762.46,"sentiment":"neutral","sentiment_score":0.17442512923273548},{"text":"Now that obviously carries a risk that, you know, the asset could theoretically have a, you know, a massive bull and take off, but I wanted to go with something that's a little bit more reliable to help you guys in in actually growing everything.","start":1762.76,"end":1779.195,"sentiment":"neutral","sentiment_score":0.12851833920511935},{"text":"So that's why, like, I wanted to make into your super fund.","start":1784.09,"end":1790.6699,"sentiment":"neutral","sentiment_score":0.04157176287844777}],"sentiment":"neutral","sentiment_score":0.08878696633369795,"num_words":112,"start":1738.6649,"end":1790.6699},{"sentences":[{"text":"Yeah.","start":1796.505,"end":1796.6649,"sentiment":"neutral","sentiment_score":0.14868173003196716},{"text":"Yes.","start":1796.6649,"end":1797.065,"sentiment":"neutral","sentiment_score":0.1781633049249649},{"text":"So we can make that nonconcessionally.","start":1797.065,"end":1799.085,"sentiment":"neutral","sentiment_score":0.22604476908842722},{"text":"So it means that there's no tax benefit to it.","start":1799.945,"end":1802.585,"sentiment":"neutral","sentiment_score":0.18036401718854905},{"text":"It'll just work as compounding for you, though.","start":1802.585,"end":1805.46,"sentiment":"positive","sentiment_score":0.34860439971089363}],"sentiment":"neutral","sentiment_score":0.2413688084253898,"num_words":26,"start":1796.505,"end":1805.46},{"sentences":[{"text":"And because of your age, if there's any need to access it, we can access it, and it's tax free.","start":1806.02,"end":1810.9199,"sentiment":"neutral","sentiment_score":0.28599431216716764},{"text":"And that's where that biggest benefit comes from is we're not gonna be, you know, paying tax on any of the gains or anything like that moving forward.","start":1811.38,"end":1818.52,"sentiment":"neutral","sentiment_score":0.22254426777362823},{"text":"Yes.","start":1822.345,"end":1822.845,"sentiment":"neutral","sentiment_score":0.13020914793014526},{"text":"Correct.","start":1826.4249,"end":1826.9249,"sentiment":"neutral","sentiment_score":0.1749868541955948},{"text":"So I wanted to make that that as a contribution there.","start":1829.865,"end":1832.445,"sentiment":"neutral","sentiment_score":0.296875615011562}],"sentiment":"neutral","sentiment_score":0.2544582542337355,"num_words":61,"start":1806.02,"end":1832.445},{"sentences":[{"text":"Now the biggest part that I probably wanted to go through, if we just jump down to page 32, is I wanted to actually commence what's called a TTR or transition to retirement strategy.","start":1833.37,"end":1848.095,"sentiment":"neutral","sentiment_score":0.2511531070751302},{"text":"So what that does is that takes money from your super fund, opens up a pension account alongside it, so you'd still have an accumulation or a super fund, and you'd have a pension alongside it for the two accounts that's side by side.","start":1849.035,"end":1861.32,"sentiment":"neutral","sentiment_score":0.2484190125357021},{"text":"The accumulation fund is just sitting there with a lowest balance receiving contributions from your employer still while the pension account can pay out.","start":1862.2799,"end":1871.2599,"sentiment":"neutral","sentiment_score":-0.12464133789762855},{"text":"And what I wanted to do was basically convert some of your income to the amount of about $661 a fortnight into super contributions.","start":1871.72,"end":1885.745,"sentiment":"neutral","sentiment_score":0.05706030006210009},{"text":"So you're gonna increase your super contributions up to the $3,232,500 for the year, reduce your taxable income.","start":1885.8049,"end":1894.02,"sentiment":"neutral","sentiment_score":0.020753003656864166}],"sentiment":"neutral","sentiment_score":0.12653646770761245,"num_words":144,"start":1833.37,"end":1894.02},{"sentences":[{"text":"And what that's gonna do is that's going to allow you to then withdraw money from your super fund each fortnight alongside your original pay.","start":1894.9601,"end":1905.28,"sentiment":"neutral","sentiment_score":0.18373505115509034},{"text":"So, basically, same same as an outcome.","start":1905.28,"end":1907.14,"sentiment":"neutral","sentiment_score":0.18505922385624476},{"text":"You're just gonna have basically two pay incomes.","start":1907.325,"end":1909.985,"sentiment":"neutral","sentiment_score":0.11253183148801327},{"text":"So two perfect.","start":1910.9249,"end":1914.385,"sentiment":"neutral","sentiment_score":0.25792134925723076},{"text":"Thank you.","start":1914.605,"end":1915.345,"sentiment":"positive","sentiment_score":0.7025600969791412}],"sentiment":"neutral","sentiment_score":0.19928732754455672,"num_words":45,"start":1894.9601,"end":1915.345},{"sentences":[{"text":"Correct.","start":1927.9,"end":1928.4,"sentiment":"neutral","sentiment_score":0.1574355512857437},{"text":"So if you actually pop down to page 34, I broke it all down for you to make it as easy as possible.","start":1928.5399,"end":1934.5599,"sentiment":"neutral","sentiment_score":0.16870397815237875},{"text":"Ow.","start":1934.715,"end":1935.215,"sentiment":"neutral","sentiment_score":0.0612461194396019},{"text":"That hurt.","start":1939.995,"end":1940.6549,"sentiment":"neutral","sentiment_score":-0.15023096650838852},{"text":"Yep.","start":1943.9149,"end":1944.235,"sentiment":"neutral","sentiment_score":-0.016424527391791344}],"sentiment":"neutral","sentiment_score":0.13507095385076745,"num_words":28,"start":1927.9,"end":1944.235},{"sentences":[{"text":"32,500 is what it is next year.","start":1944.235,"end":1946.735,"sentiment":"neutral","sentiment_score":-0.03761849871703556},{"text":"That that we're saying we're saying under the cap, so we're good there.","start":1946.875,"end":1950.59,"sentiment":"neutral","sentiment_score":0.0569703636261133},{"text":"So what we're gonna do is we're just gonna salary sacrifice.","start":1951.0499,"end":1953.2899,"sentiment":"neutral","sentiment_score":0.0579371726648374},{"text":"So if we if you have a look at the income tax calculation table, which is, I guess, the third table down, you'll see your current position one zero two, you're taxed on one zero two, which means that you pay $22 in tax on your taxable income versus the proposed position.","start":1953.2899,"end":1967.885,"sentiment":"neutral","sentiment_score":0.024921192214466058},{"text":"Effectively, your taxable income drops down to the 84, which means your income tax drops down to 17 and a half, which means that your take home pay ends up being $67.01 $1.04 versus $79.01 $1.06 o.","start":1968.1051,"end":1984.49,"sentiment":"neutral","sentiment_score":0.02175530096939985}],"sentiment":"neutral","sentiment_score":0.026795352220445542,"num_words":120,"start":1944.235,"end":1984.49},{"sentences":[{"text":"With a pension withdrawal of $12.83, we basically, yeah, it's a couple of dollars more because, like, rounding and cents and all the rest of it.","start":1985.19,"end":1996.8551,"sentiment":"neutral","sentiment_score":0.1272553288592742},{"text":"But, also, I knew that you do live a little bit on the interest from the investments.","start":1997.395,"end":2002.9501,"sentiment":"neutral","sentiment_score":0.1603386459105155},{"text":"I want to I want to try and, you know, I didn't wanna drop you down.","start":2003.25,"end":2006.31,"sentiment":"neutral","sentiment_score":0.058392701437696815},{"text":"I know it's not much.","start":2008.05,"end":2009.1901,"sentiment":"neutral","sentiment_score":-0.28398109078407285},{"text":"Yeah.","start":2013.9701,"end":2014.425,"sentiment":"neutral","sentiment_score":-0.04536161199212074}],"sentiment":"neutral","sentiment_score":0.08466787212170088,"num_words":65,"start":1985.19,"end":2014.425},{"sentences":[{"text":"Mhmm.","start":2022.665,"end":2023.165,"sentiment":"neutral","sentiment_score":0.07499043643474579},{"text":"Yep.","start":2028.36,"end":2028.86,"sentiment":"neutral","sentiment_score":0.1487829089164734},{"text":"Is isn't it great?","start":2029.7999,"end":2031.0199,"sentiment":"neutral","sentiment_score":0.06015371112152934},{"text":"Yeah.","start":2034.44,"end":2034.94,"sentiment":"positive","sentiment_score":0.34914547204971313},{"text":"So we love getting rid of the tax, man.","start":2035.3999,"end":2038.6,"sentiment":"positive","sentiment_score":0.4669204619195726}],"sentiment":"neutral","sentiment_score":0.3134886136977002,"num_words":16,"start":2022.665,"end":2038.6},{"sentences":[{"text":"That's one of my favorite things to do.","start":2038.6,"end":2040.2999,"sentiment":"positive","sentiment_score":0.4752127043902874},{"text":"So from there, what I what I wanna look at doing is basically setting all of those all of those things up.","start":2041.8651,"end":2051.225,"sentiment":"neutral","sentiment_score":0.32379935681819916},{"text":"So you'd have, like, the two accounts and everything would operate from there.","start":2051.225,"end":2054.685,"sentiment":"neutral","sentiment_score":0.23856556186309227},{"text":"Now because of your age, if anything happened, we're still able to access some of that money.","start":2054.745,"end":2059.64,"sentiment":"neutral","sentiment_score":0.20191589874379776},{"text":"So I know, like, selling the Griffin stocks.","start":2059.64,"end":2061.98,"sentiment":"neutral","sentiment_score":0.0892637986689806}],"sentiment":"neutral","sentiment_score":0.2672547126079307,"num_words":68,"start":2038.6,"end":2061.98},{"sentences":[{"text":"Oh, I just punched the desk.","start":2063.96,"end":2066.6199,"sentiment":"neutral","sentiment_score":-0.010275408315161863},{"text":"Sorry.","start":2071.0952,"end":2071.5952,"sentiment":"neutral","sentiment_score":-0.04187463968992233},{"text":"Yes.","start":2071.655,"end":2072.155,"sentiment":"neutral","sentiment_score":0.05385657399892807},{"text":"We we sell the we sell the Griffin stocks that sort of, I guess, gets rid of something that you had access to liquidity liquidity wise.","start":2072.695,"end":2081.915,"sentiment":"neutral","sentiment_score":0.052717189089610025},{"text":"So there's still the availability that if anything happens, you have access to your super funds.","start":2082.0552,"end":2086.9,"sentiment":"neutral","sentiment_score":0.1986962491646409}],"sentiment":"neutral","sentiment_score":0.090002327747643,"num_words":50,"start":2063.96,"end":2086.9},{"sentences":[{"text":"But second to that, and I think a little bit longer term, I just didn't wanna overwhelm you too too much to begin with.","start":2086.9,"end":2093.0,"sentiment":"neutral","sentiment_score":0.025650873159368832},{"text":"And because, obviously, Latrobe isn't currently, like, like, isn't currently available liquid wise.","start":2093.54,"end":2102.915,"sentiment":"neutral","sentiment_score":-0.010669275831717711},{"text":"I know you've I know you've got that $20 stay in sitting in cash, but the other 128 is invested until April of next year.","start":2103.535,"end":2113.79,"sentiment":"neutral","sentiment_score":0.0666690281033516},{"text":"But and it's probably a bit of a a conversation for later down the line, is the possibility of looking at once that does come to maturity is we can actually look at popping that into your super fund because the compounding of 11 like, 11% versus your, you know, your your five or 6%.","start":2117.77,"end":2134.005,"sentiment":"neutral","sentiment_score":0.04206558528610251},{"text":"Very, very Correct.","start":2135.105,"end":2137.125,"sentiment":"neutral","sentiment_score":0.11608364184697469}],"sentiment":"neutral","sentiment_score":0.04004586824060728,"num_words":120,"start":2086.9,"end":2137.125},{"sentences":[{"text":"Very, very different.","start":2137.505,"end":2138.565,"sentiment":"neutral","sentiment_score":-0.052536106357971825},{"text":"Yes.","start":2141.4402,"end":2141.76,"sentiment":"neutral","sentiment_score":0.19676044583320615},{"text":"And that's that's the great thing because you're not 40.","start":2141.76,"end":2145.22,"sentiment":"positive","sentiment_score":0.5152590990066528},{"text":"I mean, don't be wrong.","start":2146.24,"end":2147.12,"sentiment":"neutral","sentiment_score":0.2302453935146332},{"text":"It'd be great to be having this conversation at 40, but you have the availability for those funds.","start":2147.12,"end":2151.4402,"sentiment":"positive","sentiment_score":0.4063948955800798}],"sentiment":"positive","sentiment_score":0.36913724877947085,"num_words":37,"start":2137.505,"end":2151.4402},{"sentences":[{"text":"Even though we put them in, you're not gonna it's not gonna affect you.","start":2151.4402,"end":2154.0,"sentiment":"neutral","sentiment_score":0.163517420313188},{"text":"And second to that, because it's in your super fund, your wife's not gonna have those tax bills.","start":2154.0,"end":2159.3152,"sentiment":"neutral","sentiment_score":0.09538405719730589},{"text":"It's like I know the million dollars is like, the money that's sitting in the police bank that's being used towards the house.","start":2161.855,"end":2167.375,"sentiment":"neutral","sentiment_score":-0.012526748135038044},{"text":"That I did not consider it.","start":2167.375,"end":2168.8152,"sentiment":"neutral","sentiment_score":-0.11978300288319588},{"text":"That doesn't exist in my brain.","start":2168.8152,"end":2170.74,"sentiment":"neutral","sentiment_score":-0.133659228682518}],"sentiment":"neutral","sentiment_score":0.03279684055874597,"num_words":67,"start":2151.4402,"end":2170.74},{"sentences":[{"text":"That is that is the house build, but I know that she's getting taxed on that, which that in an in and of itself would Yeah.","start":2171.3,"end":2197.4949,"sentiment":"neutral","sentiment_score":-0.10903174831317021},{"text":"Yeah.","start":2198.195,"end":2198.695,"sentiment":"neutral","sentiment_score":0.010440200567245483},{"text":"Which we can get it out.","start":2199.02,"end":2200.22,"sentiment":"neutral","sentiment_score":0.008659455925226212},{"text":"My only issue is is I can't get all of it in.","start":2200.22,"end":2202.56,"sentiment":"neutral","sentiment_score":-0.24285956720511118},{"text":"So it's why I didn't consider it because we do have limitations to how much we can get into the super fund.","start":2202.7,"end":2207.8398,"sentiment":"neutral","sentiment_score":-0.25445197048512375}],"sentiment":"neutral","sentiment_score":-0.16842815936056535,"num_words":67,"start":2171.3,"end":2207.8398},{"sentences":[{"text":"Yeah.","start":2208.7,"end":2209.2,"sentiment":"neutral","sentiment_score":-0.007511267438530922},{"text":"Yes.","start":2213.855,"end":2214.355,"sentiment":"neutral","sentiment_score":0.04934501647949219},{"text":"Yes.","start":2217.375,"end":2217.875,"sentiment":"neutral","sentiment_score":-0.0726291686296463},{"text":"Nope.","start":2218.015,"end":2218.335,"sentiment":"neutral","sentiment_score":-0.04120317846536637},{"text":"The 77 and the half is staying.","start":2218.335,"end":2220.035,"sentiment":"neutral","sentiment_score":0.01751031167805195}],"sentiment":"neutral","sentiment_score":0.004597598517482931,"num_words":11,"start":2208.7,"end":2220.035},{"sentences":[{"text":"Correct.","start":2224.175,"end":2224.675,"sentiment":"neutral","sentiment_score":0.12366075813770294},{"text":"It can.","start":2229.6602,"end":2230.32,"sentiment":"neutral","sentiment_score":0.08411595225334167},{"text":"So that's with the liquidation of with the liquidation of the Griffin stocks plus the $20 in cash, that that goes in to that non concessional.","start":2230.62,"end":2241.595,"sentiment":"neutral","sentiment_score":0.053867513027328714},{"text":"Yeah.","start":2245.575,"end":2246.075,"sentiment":"positive","sentiment_score":0.5123652219772339},{"text":"It all kinda works out.","start":2246.935,"end":2248.395,"sentiment":"positive","sentiment_score":0.5535916209220886}],"sentiment":"neutral","sentiment_score":0.14207918079836027,"num_words":35,"start":2224.175,"end":2248.395},{"sentences":[{"text":"So that's that's where everything sort of sits.","start":2253.5,"end":2256.3801,"sentiment":"neutral","sentiment_score":0.3182479050010443},{"text":"Now when the plan all works and all things happen, if we if we follow the advice and we do everything that I've kind of outlined, and, of course, we're gonna update these projections and have a look at everything each year as things change or if you have to pull more money.","start":2256.3801,"end":2271.975,"sentiment":"neutral","sentiment_score":0.21957152589874449},{"text":"We're looking more along the $500,000 mark rather than that $200,000 that we were looking at to be in this.","start":2271.975,"end":2277.595,"sentiment":"neutral","sentiment_score":0.047484042961150406},{"text":"Five I did I did five to seven years because I was yeah.","start":2281.99,"end":2289.6099,"sentiment":"neutral","sentiment_score":-0.0067311585522615},{"text":"So if you look at page 40, it's too many pages.","start":2289.99,"end":2298.7551,"sentiment":"neutral","sentiment_score":-0.04076742668720809}],"sentiment":"neutral","sentiment_score":0.13901912587739174,"num_words":105,"start":2253.5,"end":2298.7551},{"sentences":[{"text":"Yeah.","start":2300.0151,"end":2300.5151,"sentiment":"neutral","sentiment_score":0.00486974511295557},{"text":"And, like, because I was I didn't talk to your wife.","start":2300.655,"end":2303.0552,"sentiment":"neutral","sentiment_score":-0.03757830370556225},{"text":"I couldn't really take into consideration, like, her tax side, but I guess as benefits that have been felt from this, the more money we take off her and pop this way, the better her taxes should become.","start":2303.0552,"end":2315.3,"sentiment":"neutral","sentiment_score":-0.015757343682803605},{"text":"Yeah.","start":2315.52,"end":2316.02,"sentiment":"neutral","sentiment_score":0.07625840604305267},{"text":"Of course.","start":2319.6802,"end":2320.1602,"sentiment":"neutral","sentiment_score":-0.00768230389803648}],"sentiment":"neutral","sentiment_score":-0.017856167119769555,"num_words":53,"start":2300.0151,"end":2320.1602},{"sentences":[{"text":"No.","start":2320.1602,"end":2320.6602,"sentiment":"neutral","sentiment_score":-0.1143636479973793},{"text":"No.","start":2325.6648,"end":2325.9048,"sentiment":"neutral","sentiment_score":-0.09198078513145448},{"text":"So each of these each of these stages kind of they they compound on each other.","start":2325.9048,"end":2330.145,"sentiment":"neutral","sentiment_score":-0.07868974027223885},{"text":"So current is so if you go all the way up to the top, which is back at page I don't even know.","start":2330.145,"end":2336.805,"sentiment":"neutral","sentiment_score":-0.006236908390470173},{"text":"But no.","start":2338.14,"end":2338.54,"sentiment":"neutral","sentiment_score":-0.22982117533683777}],"sentiment":"neutral","sentiment_score":-0.04810398886370104,"num_words":43,"start":2320.1602,"end":2338.54},{"sentences":[{"text":"No.","start":2338.54,"end":2338.6199,"sentiment":"negative","sentiment_score":-0.41475579142570496},{"text":"No.","start":2338.6199,"end":2338.78,"sentiment":"negative","sentiment_score":-0.5033231973648071},{"text":"No.","start":2338.78,"end":2339.02,"sentiment":"negative","sentiment_score":-0.6186303496360779},{"text":"The table just got too big.","start":2339.02,"end":2340.14,"sentiment":"negative","sentiment_score":-0.7113930682341257},{"text":"I I know what you're looking at.","start":2340.14,"end":2341.26,"sentiment":"neutral","sentiment_score":-0.21422542418752397}],"sentiment":"negative","sentiment_score":-0.4565403573215008,"num_words":16,"start":2338.54,"end":2341.26},{"sentences":[{"text":"I know what you're talking about.","start":2341.26,"end":2342.56,"sentiment":"neutral","sentiment_score":-0.08698229553798835},{"text":"Yes.","start":2346.38,"end":2346.7,"sentiment":"neutral","sentiment_score":0.04112549498677254},{"text":"So, yeah, 22 for 20 yeah.","start":2346.7,"end":2347.98,"sentiment":"neutral","sentiment_score":0.03581262705847621},{"text":"Twenty two twenty three.","start":2347.98,"end":2349.2,"sentiment":"neutral","sentiment_score":0.020692074205726385},{"text":"That is your current PWS AP.","start":2349.42,"end":2352.235,"sentiment":"neutral","sentiment_score":0.053361343840758}],"sentiment":"neutral","sentiment_score":0.005958427999006665,"num_words":23,"start":2341.26,"end":2352.235},{"sentences":[{"text":"That is exactly as it currently stands.","start":2352.2952,"end":2354.235,"sentiment":"neutral","sentiment_score":0.18859229875462397},{"text":"That's the five year rolling average five year rolling average return rate for the fund.","start":2354.2952,"end":2360.475,"sentiment":"neutral","sentiment_score":0.2719682147105535},{"text":"Correct.","start":2363.69,"end":2364.19,"sentiment":"neutral","sentiment_score":0.3250479996204376},{"text":"If we implement stage one of my recommendations, that's where we land with Hub '24.","start":2364.97,"end":2371.8699,"sentiment":"neutral","sentiment_score":0.15629428774118423},{"text":"And then if we if we take yep.","start":2372.17,"end":2377.805,"sentiment":"neutral","sentiment_score":0.06181508908048272}],"sentiment":"neutral","sentiment_score":0.18616635522440725,"num_words":46,"start":2352.2952,"end":2377.805},{"sentences":[{"text":"And then it kinda rolls from there.","start":2378.2651,"end":2380.205,"sentiment":"neutral","sentiment_score":0.00813556941492217},{"text":"Yes.","start":2401.515,"end":2401.915,"sentiment":"neutral","sentiment_score":0.05570153892040253},{"text":"Yes.","start":2401.915,"end":2402.155,"sentiment":"neutral","sentiment_score":0.04663864895701408},{"text":"Yes.","start":2402.155,"end":2402.315,"sentiment":"neutral","sentiment_score":0.0433429479598999},{"text":"Yes.","start":2402.315,"end":2402.635,"sentiment":"neutral","sentiment_score":0.06372286379337311}],"sentiment":"neutral","sentiment_score":0.024214089594104073,"num_words":11,"start":2378.2651,"end":2402.635},{"sentences":[{"text":"Yep.","start":2402.635,"end":2403.135,"sentiment":"neutral","sentiment_score":0.0712176114320755},{"text":"Yep.","start":2403.915,"end":2404.415,"sentiment":"neutral","sentiment_score":0.09467049688100816},{"text":"Yep.","start":2406.4749,"end":2406.9749,"sentiment":"neutral","sentiment_score":0.07522609829902649},{"text":"Yep.","start":2407.275,"end":2407.775,"sentiment":"neutral","sentiment_score":0.07410861551761627},{"text":"Yeah.","start":2412.33,"end":2412.83,"sentiment":"neutral","sentiment_score":0.13384360074996948}],"sentiment":"neutral","sentiment_score":0.08981328457593918,"num_words":5,"start":2402.635,"end":2412.83},{"sentences":[{"text":"Yep.","start":2422.7302,"end":2423.2302,"sentiment":"neutral","sentiment_score":0.06157529354095459},{"text":"Now I then did a little bit.","start":2426.695,"end":2428.455,"sentiment":"neutral","sentiment_score":-0.12658017235142843},{"text":"So if you have a look at page 41, I just did a little bit of a retirement calculation, but I wanna I wanna I wanna caveat it really heavily because, a, it does not consider the retirement, b, I did not put any any Centrelink in there.","start":2428.455,"end":2444.69,"sentiment":"neutral","sentiment_score":-0.26485044648870826},{"text":"I did start, and then it just Centrelink advice is very, very, very heavy in in in time.","start":2444.99,"end":2452.21,"sentiment":"negative","sentiment_score":-0.4140092134475708},{"text":"While I did consider it, you'd you'd you would you you have access to Centrelink pretty much the as soon as you start working.","start":2452.665,"end":2459.645,"sentiment":"neutral","sentiment_score":0.09428657358512282}],"sentiment":"neutral","sentiment_score":-0.19108770837133027,"num_words":98,"start":2422.7302,"end":2459.645},{"sentences":[{"text":"It was you have partial access to Centrelink to begin with.","start":2461.305,"end":2465.885,"sentiment":"neutral","sentiment_score":0.06384876133366064},{"text":"I just did it based on a if you were to draw down $78,000 a year, a, you know, how that kind of works and what happens from there.","start":2467.26,"end":2476.6401,"sentiment":"neutral","sentiment_score":0.00887984724651123},{"text":"Yes.","start":2479.5,"end":2480.0,"sentiment":"neutral","sentiment_score":-0.029812803491950035},{"text":"Yes.","start":2486.655,"end":2486.735,"sentiment":"neutral","sentiment_score":0.09281384199857712},{"text":"And that's just if you were just drawing down on that.","start":2486.735,"end":2488.895,"sentiment":"neutral","sentiment_score":0.035073878074234184}],"sentiment":"neutral","sentiment_score":0.02657859702155275,"num_words":53,"start":2461.305,"end":2488.895},{"sentences":[{"text":"Now you do have Centrelink that will will be able to support you, but then there's the possibility of the the inheritance and what that looks like, and it just kind of overcomplicates it and creates complexities.","start":2488.895,"end":2499.93,"sentiment":"neutral","sentiment_score":-0.030811246811739496},{"text":"Yeah.","start":2506.0698,"end":2506.5698,"sentiment":"neutral","sentiment_score":0.08895471692085266},{"text":"Correct.","start":2512.965,"end":2513.465,"sentiment":"neutral","sentiment_score":0.15228521823883057},{"text":"Most certainly.","start":2515.445,"end":2516.2651,"sentiment":"neutral","sentiment_score":0.1278708651661873},{"text":"And then it it's obviously where it lands on the table as well is the other biggest question.","start":2516.805,"end":2520.745,"sentiment":"neutral","sentiment_score":-0.010303143774055772}],"sentiment":"neutral","sentiment_score":-0.014042221262293347,"num_words":59,"start":2488.895,"end":2520.745},{"sentences":[{"text":"Yeah.","start":2531.42,"end":2531.82,"sentiment":"neutral","sentiment_score":0.01637553796172142},{"text":"Well, look.","start":2531.82,"end":2532.46,"sentiment":"neutral","sentiment_score":0.02541615068912506},{"text":"Basically, right now, yes, they would.","start":2532.46,"end":2534.415,"sentiment":"neutral","sentiment_score":0.06275869657595952},{"text":"As as your assets currently stand, you would have access to a part pension on Centrelink.","start":2534.655,"end":2539.475,"sentiment":"neutral","sentiment_score":0.0636895727366209},{"text":"Okay.","start":2542.2551,"end":2542.575,"sentiment":"neutral","sentiment_score":0.019841114059090614}],"sentiment":"neutral","sentiment_score":0.057024396024644375,"num_words":26,"start":2531.42,"end":2542.575},{"sentences":[{"text":"Okay.","start":2542.575,"end":2542.975,"sentiment":"neutral","sentiment_score":-0.00709562748670578},{"text":"I lied.","start":2542.975,"end":2543.455,"sentiment":"neutral","sentiment_score":-0.12250683456659317},{"text":"Not right this second, but once the house is filled, then the answer is yes.","start":2543.455,"end":2547.395,"sentiment":"neutral","sentiment_score":-0.1021752322713534},{"text":"Right now with a million dollars in the bank, no.","start":2548.7798,"end":2550.88,"sentiment":"neutral","sentiment_score":-0.058959461748600006},{"text":"But once the house is built, yes.","start":2551.66,"end":2553.52,"sentiment":"neutral","sentiment_score":-0.10560325160622597}],"sentiment":"neutral","sentiment_score":-0.088958718840565,"num_words":35,"start":2542.575,"end":2553.52},{"sentences":[{"text":"Yeah.","start":2556.94,"end":2557.26,"sentiment":"neutral","sentiment_score":0.05918708071112633},{"text":"So, like, I'm yeah.","start":2557.26,"end":2558.46,"sentiment":"neutral","sentiment_score":0.04078643396496773},{"text":"We we just wanna get the money.","start":2558.46,"end":2560.545,"sentiment":"neutral","sentiment_score":0.050149817019701004},{"text":"Yeah.","start":2560.625,"end":2560.785,"sentiment":"neutral","sentiment_score":-0.002954864641651511},{"text":"Once the house is built, if you if you decide to hang up the hat once the house is built, then, yes, you would have access to to Centrelink because it's combined.","start":2560.785,"end":2568.9749,"sentiment":"neutral","sentiment_score":0.07622301997616887}],"sentiment":"neutral","sentiment_score":0.06687918467343681,"num_words":45,"start":2556.94,"end":2568.9749},{"sentences":[{"text":"Yep.","start":2587.2148,"end":2587.7148,"sentiment":"neutral","sentiment_score":0.19347044825553897},{"text":"You call me and you say, hello.","start":2606.54,"end":2608.78,"sentiment":"neutral","sentiment_score":0.2955643768821444},{"text":"How are you going?","start":2608.78,"end":2609.5,"sentiment":"positive","sentiment_score":0.4857153221964836},{"text":"And I say, hello.","start":2609.5,"end":2610.3801,"sentiment":"positive","sentiment_score":0.3585011884570122},{"text":"How are you going?","start":2610.3801,"end":2611.36,"sentiment":"positive","sentiment_score":0.49062107503414154}],"sentiment":"positive","sentiment_score":0.38008857145905495,"num_words":20,"start":2587.2148,"end":2611.36},{"sentences":[{"text":"And you say very well, and I say, that's fantastic.","start":2611.445,"end":2613.385,"sentiment":"positive","sentiment_score":0.5770947843790054},{"text":"And I say, what can I do you for?","start":2613.685,"end":2615.205,"sentiment":"positive","sentiment_score":0.41454986731211346},{"text":"And you tell me what I can help you, and then I say, fantastic.","start":2615.205,"end":2618.485,"sentiment":"positive","sentiment_score":0.47133399333272663},{"text":"Let me do that for you.","start":2618.485,"end":2619.605,"sentiment":"positive","sentiment_score":0.523564542333285},{"text":"And I send you a pretty document, and you sign that document, and I process the withdrawal into your bank account.","start":2619.605,"end":2624.505,"sentiment":"neutral","sentiment_score":0.24540023931435176}],"sentiment":"positive","sentiment_score":0.4065894139309724,"num_words":60,"start":2611.445,"end":2624.505},{"sentences":[{"text":"It's really pretty easy.","start":2624.885,"end":2626.265,"sentiment":"positive","sentiment_score":0.5095449909567833},{"text":"Yep.","start":2631.58,"end":2631.9001,"sentiment":"neutral","sentiment_score":0.09715127944946288},{"text":"Things are pretty easy when they're your age.","start":2631.9001,"end":2633.82,"sentiment":"neutral","sentiment_score":0.06869181478396058},{"text":"Yep.","start":2633.82,"end":2634.32,"sentiment":"neutral","sentiment_score":0.08841773122549057},{"text":"Pretty much.","start":2635.5,"end":2636.3,"sentiment":"neutral","sentiment_score":0.29974326491355896}],"sentiment":"neutral","sentiment_score":0.21079812641255558,"num_words":16,"start":2624.885,"end":2636.3},{"sentences":[{"text":"It's a good advantage.","start":2636.3,"end":2637.36,"sentiment":"positive","sentiment_score":0.35031213611364365},{"text":"It does.","start":2642.7551,"end":2643.475,"sentiment":"neutral","sentiment_score":-0.07252631522715092},{"text":"It it does.","start":2643.475,"end":2644.195,"sentiment":"neutral","sentiment_score":-0.0621199831366539},{"text":"It was actually really funny.","start":2644.195,"end":2644.995,"sentiment":"negative","sentiment_score":-0.4051405906677246},{"text":"I kept sitting down.","start":2644.995,"end":2645.715,"sentiment":"negative","sentiment_score":-0.4625663533806801}],"sentiment":"neutral","sentiment_score":-0.1558962445706129,"num_words":18,"start":2636.3,"end":2645.715},{"sentences":[{"text":"I'm like, oh, no.","start":2645.715,"end":2646.195,"sentiment":"neutral","sentiment_score":-0.3332892954349518},{"text":"He can't do that.","start":2646.195,"end":2646.7551,"sentiment":"negative","sentiment_score":-0.4173835590481758},{"text":"Oh, wait.","start":2646.7551,"end":2646.995,"sentiment":"neutral","sentiment_score":-0.18476904928684235},{"text":"Yes.","start":2646.995,"end":2647.155,"sentiment":"neutral","sentiment_score":-0.0932893306016922},{"text":"He can.","start":2647.155,"end":2647.635,"sentiment":"neutral","sentiment_score":-0.1875411793589592}],"sentiment":"neutral","sentiment_score":-0.29543086198660046,"num_words":13,"start":2645.715,"end":2647.635},{"sentences":[{"text":"He's old enough.","start":2647.635,"end":2648.535,"sentiment":"neutral","sentiment_score":-0.2546398937702179},{"text":"Because majority of the clients I speak to yeah.","start":2648.915,"end":2652.995,"sentiment":"neutral","sentiment_score":-0.28492263290617204},{"text":"You have all these great, wonderful ideas, and you're like, no.","start":2652.995,"end":2655.475,"sentiment":"neutral","sentiment_score":-0.018656603314659813},{"text":"Can't do it.","start":2655.475,"end":2656.14,"sentiment":"negative","sentiment_score":-0.4305193821589152},{"text":"But with you, it was, oh, you can do this, and he can do this, and we can do this.","start":2656.22,"end":2659.92,"sentiment":"neutral","sentiment_score":0.3085633352398872}],"sentiment":"neutral","sentiment_score":0.029266577052033466,"num_words":46,"start":2647.635,"end":2659.92},{"sentences":[{"text":"Everything I could think of, you could do.","start":2661.5,"end":2663.3599,"sentiment":"neutral","sentiment_score":0.21160572580993176},{"text":"Yes.","start":2678.885,"end":2679.385,"sentiment":"neutral","sentiment_score":0.027965307235717773},{"text":"Yeah.","start":2679.845,"end":2680.345,"sentiment":"neutral","sentiment_score":0.02184991165995598},{"text":"I mean, the the the number's off, but, yes, I know exactly what he's talking about.","start":2680.645,"end":2684.905,"sentiment":"neutral","sentiment_score":-0.00708193177706562},{"text":"That is a carry oh, sorry.","start":2686.2102,"end":2688.2102,"sentiment":"neutral","sentiment_score":-0.009012029506266117}],"sentiment":"neutral","sentiment_score":0.04922743562201504,"num_words":32,"start":2661.5,"end":2688.2102},{"sentences":[{"text":"It's a bring forward non concessional contribution.","start":2688.2102,"end":2690.6301,"sentiment":"neutral","sentiment_score":0.0027354504646999495},{"text":"So it means it's already tax paid.","start":2690.85,"end":2692.9502,"sentiment":"neutral","sentiment_score":0.018542489036917686},{"text":"Money can can be contributed into the super fund.","start":2693.6501,"end":2695.73,"sentiment":"neutral","sentiment_score":0.03881350407997767},{"text":"So the 126,000 that we have available to us, that's part of that.","start":2695.73,"end":2701.205,"sentiment":"neutral","sentiment_score":0.019518864197799794},{"text":"And what he's he's referencing or she, they, he is referencing is carrying forward the or or or taking from the fall like, the the future years.","start":2701.205,"end":2712.3252,"sentiment":"neutral","sentiment_score":0.005891558386523415}],"sentiment":"neutral","sentiment_score":0.01446165752759765,"num_words":63,"start":2688.2102,"end":2712.3252},{"sentences":[{"text":"So you know how for the non concessional, so the seventy seven thousand that you just put in, you looked back.","start":2712.3252,"end":2717.6401,"sentiment":"neutral","sentiment_score":0.012572760693728924},{"text":"Yeah.","start":2718.02,"end":2718.5,"sentiment":"neutral","sentiment_score":0.11403386294841766},{"text":"This is looking forward.","start":2718.5,"end":2719.54,"sentiment":"neutral","sentiment_score":0.17378586903214455},{"text":"So what it's doing is it's taking from each of the year's contributions.","start":2719.54,"end":2722.76,"sentiment":"neutral","sentiment_score":0.08817078488377425},{"text":"Each of the following years is actually a $130 each, so we can actually do up to $3.90.","start":2723.3,"end":2728.04,"sentiment":"neutral","sentiment_score":0.05796243208977911}],"sentiment":"neutral","sentiment_score":0.05724121569737531,"num_words":57,"start":2712.3252,"end":2728.04},{"sentences":[{"text":"Yes.","start":2730.935,"end":2731.2551,"sentiment":"neutral","sentiment_score":0.04775439947843552},{"text":"Yeah.","start":2731.2551,"end":2731.7551,"sentiment":"neutral","sentiment_score":0.04417336732149124},{"text":"Yeah.","start":2732.615,"end":2732.855,"sentiment":"neutral","sentiment_score":0.04575949907302856},{"text":"So you can pop into up to $3.90 into the fund, which, theoretically, we we definitely can.","start":2732.855,"end":2739.2551,"sentiment":"neutral","sentiment_score":0.06517628120148883},{"text":"But right now, from liquid assets, police police is not available.","start":2739.2551,"end":2745.6199,"sentiment":"neutral","sentiment_score":-0.05231590086424893}],"sentiment":"neutral","sentiment_score":0.021619649573920235,"num_words":31,"start":2730.935,"end":2745.6199},{"sentences":[{"text":"The probe's not available.","start":2745.6199,"end":2746.7598,"sentiment":"neutral","sentiment_score":-0.05982221569865942},{"text":"Blah blah blah.","start":2747.2998,"end":2748.1199,"sentiment":"neutral","sentiment_score":-0.07353459050258},{"text":"Yeah.","start":2748.66,"end":2749.16,"sentiment":"neutral","sentiment_score":0.04771452024579048},{"text":"Good.","start":2764.955,"end":2765.455,"sentiment":"positive","sentiment_score":0.7973285913467407},{"text":"Yeah.","start":2770.65,"end":2771.15,"sentiment":"neutral","sentiment_score":0.32654446363449097}],"sentiment":"neutral","sentiment_score":0.07116949409246445,"num_words":10,"start":2745.6199,"end":2771.15},{"sentences":[{"text":"No.","start":2773.93,"end":2774.17,"sentiment":"neutral","sentiment_score":0.2040216624736786},{"text":"Absolutely.","start":2774.17,"end":2774.67,"sentiment":"positive","sentiment_score":0.3509220480918884},{"text":"More than happy to to have a chat.","start":2775.29,"end":2777.23,"sentiment":"positive","sentiment_score":0.3935859128832817},{"text":"Yep.","start":2786.0251,"end":2786.5251,"sentiment":"neutral","sentiment_score":0.2736225724220276},{"text":"Yeah.","start":2787.5452,"end":2788.0452,"sentiment":"positive","sentiment_score":0.3513110280036926}],"sentiment":"positive","sentiment_score":0.3607137178381284,"num_words":12,"start":2773.93,"end":2788.0452},{"sentences":[{"text":"Yeah.","start":2790.425,"end":2790.925,"sentiment":"neutral","sentiment_score":0.30274492502212524},{"text":"But it's always good when they can give you the tax savings advice too.","start":2791.465,"end":2794.605,"sentiment":"positive","sentiment_score":0.3855064958333969},{"text":"Absolutely.","start":2803.76,"end":2804.26,"sentiment":"neutral","sentiment_score":0.27308619022369385},{"text":"And if there are anything that like, any anything pops up during the the tax returns this year, then we can always have a look at them as well.","start":2804.8,"end":2812.795,"sentiment":"neutral","sentiment_score":0.135632894162474},{"text":"Or when when we get around to doing them.","start":2814.535,"end":2816.555,"sentiment":"neutral","sentiment_score":0.07818248040146297}],"sentiment":"neutral","sentiment_score":0.19647996872663498,"num_words":54,"start":2790.425,"end":2816.555},{"sentences":[{"text":"Now the other thing is is because we're establishing a new super fund, beneficiary nominations, I recommend that we nominate your wife, obviously.","start":2819.815,"end":2829.3398,"sentiment":"neutral","sentiment_score":0.16654594631298728},{"text":"It's tax free when she receives it, and it's a lot smoother and quicker of a process.","start":2830.3599,"end":2835.3398,"sentiment":"neutral","sentiment_score":0.2809482383377412},{"text":"Now a bunch of my clients have the question, what happens if my wife dies before me?","start":2835.88,"end":2840.5398,"sentiment":"neutral","sentiment_score":-0.0306445474133772},{"text":"Now one or two things.","start":2842.3452,"end":2843.885,"sentiment":"neutral","sentiment_score":-0.024930289015173912},{"text":"And it's always the same question, but let's just say you both got into a car accident.","start":2844.665,"end":2848.665,"sentiment":"neutral","sentiment_score":-0.039336214937707954}],"sentiment":"neutral","sentiment_score":0.09230825837843026,"num_words":79,"start":2819.815,"end":2848.665},{"sentences":[{"text":"Let let's put it this way.","start":2848.665,"end":2849.8652,"sentiment":"neutral","sentiment_score":0.0019714916901042065},{"text":"Me and my husband got into a car accident together.","start":2849.8652,"end":2852.3652,"sentiment":"neutral","sentiment_score":-0.08458433039486409},{"text":"What would happen is if my beneficiary nomination, which is currently 100% to my husband, because it is quicker and more efficient for him to receive the funds through a direct nomination than it is through an estate nomination, and because I have three smallish children, I want the money to go to him quick.","start":2853.63,"end":2871.4548,"sentiment":"neutral","sentiment_score":0.0577713338827545},{"text":"Now if that was to happen and we were both to pass away, my estate takes over, and my estate deals with the nomination.","start":2871.915,"end":2879.295,"sentiment":"neutral","sentiment_score":-0.04287577234208584},{"text":"The same thing would happen for yourself if anything were to happen.","start":2880.635,"end":2883.93,"sentiment":"neutral","sentiment_score":-0.046541900684436165}],"sentiment":"neutral","sentiment_score":0.007064370703926989,"num_words":107,"start":2848.665,"end":2883.93},{"sentences":[{"text":"Hub twenty four actually has once a nomination is bound to be nonvalid, they don't go through claims taking.","start":2884.0898,"end":2891.21,"sentiment":"neutral","sentiment_score":-0.11362568543929803},{"text":"They go straight through to a an an estate nomination.","start":2891.21,"end":2894.43,"sentiment":"neutral","sentiment_score":-0.07954232580959797},{"text":"Most super funds are actually updating their processes, and legislation has basically updated to cease what used to be called claims taking, which is where they would basically put an ad in the newspaper and say, hey.","start":2895.21,"end":2906.115,"sentiment":"neutral","sentiment_score":-0.0677040549045479},{"text":"This person's passed away.","start":2906.115,"end":2907.315,"sentiment":"neutral","sentiment_score":-0.09055817127227783},{"text":"Does anyone feel as though they have rights to the estate?","start":2907.315,"end":2910.455,"sentiment":"neutral","sentiment_score":-0.06528656455603513}],"sentiment":"neutral","sentiment_score":-0.08073760750761003,"num_words":81,"start":2884.0898,"end":2910.455},{"sentences":[{"text":"Now Queensland law actually stipulates that if a spouse exists, the spouse will get asset first.","start":2910.835,"end":2919.04,"sentiment":"neutral","sentiment_score":-0.0038409444969147444},{"text":"If there are children, they would they will get assets next, blah blah blah blah.","start":2919.26,"end":2922.86,"sentiment":"neutral","sentiment_score":-0.03439564617971579},{"text":"And there's a, you know, a bunch of different caveats on how much everyone gets.","start":2922.86,"end":2926.32,"sentiment":"neutral","sentiment_score":-0.09566857442259788},{"text":"So if anything were to happen to you and your wife or your wife predeceased yourself and you had not updated the nomination before you would have passed away, your children would more than likely, yeah, more than likely get it, but it's gonna go through the estate.","start":2926.9402,"end":2941.925,"sentiment":"neutral","sentiment_score":-0.050153772928752005},{"text":"Cool.","start":2943.745,"end":2944.245,"sentiment":"positive","sentiment_score":0.5644385814666748}],"sentiment":"neutral","sentiment_score":-0.04058274673788171,"num_words":95,"start":2910.835,"end":2944.245},{"sentences":[{"text":"I just always like to explain it just to make sure.","start":2945.77,"end":2948.35,"sentiment":"positive","sentiment_score":0.33480552380735223},{"text":"It's a little bit of an understanding.","start":2948.9702,"end":2950.59,"sentiment":"neutral","sentiment_score":0.22422930811132705},{"text":"Good.","start":2954.33,"end":2954.81,"sentiment":"positive","sentiment_score":0.6737356781959534},{"text":"Good.","start":2954.81,"end":2955.31,"sentiment":"positive","sentiment_score":0.6216511130332947},{"text":"Cool.","start":2963.915,"end":2964.415,"sentiment":"positive","sentiment_score":0.3995602428913117}],"sentiment":"neutral","sentiment_score":0.3308291882276535,"num_words":21,"start":2945.77,"end":2964.415},{"sentences":[{"text":"So so I've emailed this to you, but what I need to do and and I prefer doing it via email to begin with just because it's a little bit visually easier to look at.","start":2964.555,"end":2976.95,"sentiment":"neutral","sentiment_score":0.17579332866839},{"text":"But what I need to do is I need to send you a whole pack of documents.","start":2977.25,"end":2980.55,"sentiment":"neutral","sentiment_score":0.04213157602969338},{"text":"We do that over email, electronically signing, because, otherwise, the paper footprint is enormous.","start":2980.77,"end":2986.1501,"sentiment":"neutral","sentiment_score":-0.11296766583940812},{"text":"So what I'll do is I will email you the documents.","start":2987.9648,"end":2989.9648,"sentiment":"neutral","sentiment_score":0.19234964116053146},{"text":"The documents will be the document you're looking at right now along with application for the Superfund.","start":2989.9648,"end":2995.7449,"sentiment":"neutral","sentiment_score":0.22560234104885774}],"sentiment":"neutral","sentiment_score":0.11955895558237395,"num_words":94,"start":2964.555,"end":2995.7449},{"sentences":[{"text":"I have not included the pension application yet because we're not setting the pension up until next financial year a.","start":2996.845,"end":3002.64,"sentiment":"neutral","sentiment_score":-0.03616345785558224},{"text":"And, b, I needed your bank details anyway.","start":3002.72,"end":3004.98,"sentiment":"neutral","sentiment_score":0.018063504132442176},{"text":"But my team, when they call you to go through the implementation steps, they'll kinda step it through with you.","start":3005.1199,"end":3010.4,"sentiment":"neutral","sentiment_score":0.23371890373528004},{"text":"The great thing about the document I've drawn up is that, actually, towards the bottom, a step by step, these are the order of the steps that we will take, when they're gonna get taken, and who's taking those steps.","start":3010.4,"end":3019.8352,"sentiment":"positive","sentiment_score":0.6097330816090107},{"text":"So it makes it a little bit easier to kind of follow along with each of the steps that need to go in to doing everything.","start":3020.935,"end":3027.675,"sentiment":"positive","sentiment_score":0.5563811602500769}],"sentiment":"positive","sentiment_score":0.37676184545189406,"num_words":114,"start":2996.845,"end":3027.675},{"sentences":[{"text":"Now, of course, if at any point in time you have any questions, qualms, concerns, you're always allowed and able to reach out to me, and I can help you out with that.","start":3029.6,"end":3037.54,"sentiment":"neutral","sentiment_score":0.20900415109865594},{"text":"But, otherwise, you know, I I have fantastic admin that'll kind of help walk through each of the each of the steps to to implement the advice.","start":3038.16,"end":3047.8152,"sentiment":"positive","sentiment_score":0.34923166533311206},{"text":"So get the funds rolled over, and they will, you know, help you to make those contributions, give you bank details, make those contributions.","start":3047.8152,"end":3055.2751,"sentiment":"neutral","sentiment_score":0.2988988049328327},{"text":"We'll help set up the accounts.","start":3055.3352,"end":3056.7952,"sentiment":"neutral","sentiment_score":0.23816915104786554},{"text":"I do all the investments on the I do all the investing.","start":3056.8552,"end":3059.2751,"sentiment":"neutral","sentiment_score":0.1511333454400301}],"sentiment":"neutral","sentiment_score":0.26218214039416876,"num_words":102,"start":3029.6,"end":3059.2751},{"sentences":[{"text":"Any of my clients, once funds are received, I invest, my admin don't, and we go through from there.","start":3060.01,"end":3066.25,"sentiment":"neutral","sentiment_score":0.0868244186828011},{"text":"Okay?","start":3066.25,"end":3066.75,"sentiment":"neutral","sentiment_score":0.08140306174755096},{"text":"Cool.","start":3068.33,"end":3068.83,"sentiment":"neutral","sentiment_score":0.24202926456928253},{"text":"Out of my mouth.","start":3076.425,"end":3077.485,"sentiment":"neutral","sentiment_score":-0.2882385775446892},{"text":"I was I was literally about to say the same thing.","start":3078.585,"end":3081.725,"sentiment":"neutral","sentiment_score":-0.22375894270159982}],"sentiment":"neutral","sentiment_score":-0.045589066627952785,"num_words":36,"start":3060.01,"end":3081.725},{"sentences":[{"text":"I was gonna say now, because I skipped over a couple of things I would normally already have have talked about, One point 65% ongoing.","start":3081.865,"end":3092.3,"sentiment":"neutral","sentiment_score":-0.031865094341337684},{"text":"Correct?","start":3092.3599,"end":3092.8599,"sentiment":"neutral","sentiment_score":0.015249837189912796},{"text":"So literally, the figure, it ends up being about $3,922.","start":3096.44,"end":3103.7551,"sentiment":"neutral","sentiment_score":0.012995348870754242},{"text":"It's being factored per year.","start":3104.695,"end":3106.695,"sentiment":"neutral","sentiment_score":0.0010371913900598883},{"text":"It's being factored into all of the advice.","start":3106.695,"end":3109.675,"sentiment":"neutral","sentiment_score":0.03541983035393059}],"sentiment":"neutral","sentiment_score":-0.0074057027113110735,"num_words":49,"start":3081.865,"end":3109.675},{"sentences":[{"text":"Actually comes out of the super fund.","start":3120.09,"end":3121.9502,"sentiment":"neutral","sentiment_score":-0.017520692997745106},{"text":"Yep.","start":3123.77,"end":3124.27,"sentiment":"neutral","sentiment_score":0.05577322468161583},{"text":"Correct.","start":3127.275,"end":3127.775,"sentiment":"neutral","sentiment_score":0.04456089064478874},{"text":"Actually, yep.","start":3128.395,"end":3129.375,"sentiment":"neutral","sentiment_score":0.02244226075708866},{"text":"Yep.","start":3142.9702,"end":3143.4702,"sentiment":"neutral","sentiment_score":0.03224684298038483}],"sentiment":"neutral","sentiment_score":0.004568385736395915,"num_words":12,"start":3120.09,"end":3143.4702},{"sentences":[{"text":"Yep.","start":3152.425,"end":3152.925,"sentiment":"neutral","sentiment_score":-0.10690616071224213},{"text":"Yep.","start":3154.425,"end":3154.7449,"sentiment":"neutral","sentiment_score":0.03186839818954468},{"text":"It's reducing his salary.","start":3154.7449,"end":3156.045,"sentiment":"neutral","sentiment_score":-0.07436200557276607},{"text":"Yep.","start":3156.345,"end":3156.845,"sentiment":"neutral","sentiment_score":0.06984234601259232},{"text":"No.","start":3164.2798,"end":3164.5198,"sentiment":"neutral","sentiment_score":-0.29625779390335083}],"sentiment":"neutral","sentiment_score":-0.07486265408806503,"num_words":8,"start":3152.425,"end":3164.5198},{"sentences":[{"text":"Not at all.","start":3164.5198,"end":3165.3198,"sentiment":"neutral","sentiment_score":-0.29092908402283985},{"text":"Nope.","start":3165.3198,"end":3165.8198,"sentiment":"neutral","sentiment_score":-0.26091980934143066},{"text":"No.","start":3166.5999,"end":3166.8398,"sentiment":"neutral","sentiment_score":-0.17429637908935547},{"text":"There are no no kickbacks from the investments at all.","start":3166.8398,"end":3169.64,"sentiment":"neutral","sentiment_score":-0.18220705762505532},{"text":"So I could put you in any number any number of a thousand different investment options.","start":3169.64,"end":3174.0398,"sentiment":"neutral","sentiment_score":0.050222881603986025}],"sentiment":"neutral","sentiment_score":-0.07504864229309943,"num_words":31,"start":3164.5198,"end":3174.0398},{"sentences":[{"text":"We do not get any kickbacks from any any of that.","start":3174.0398,"end":3176.92,"sentiment":"neutral","sentiment_score":-0.26619362289255316},{"text":"That is what's actually called conflicted remuneration.","start":3176.92,"end":3179.555,"sentiment":"negative","sentiment_score":-0.49979949423245024},{"text":"It's a massive no no in our industry.","start":3180.255,"end":3182.115,"sentiment":"negative","sentiment_score":-0.692303441464901},{"text":"They're not something I I actually partake in.","start":3182.975,"end":3185.295,"sentiment":"negative","sentiment_score":-0.5203093625605106},{"text":"To the point where, generally, when I meet with BDMs, I always buy coffee because I'm not really a fan of having coffee before me.","start":3185.295,"end":3192.2102,"sentiment":"neutral","sentiment_score":-0.09081273056566715}],"sentiment":"neutral","sentiment_score":-0.31182961030152895,"num_words":59,"start":3174.0398,"end":3192.2102},{"sentences":[{"text":"So yeah.","start":3202.59,"end":3203.875,"sentiment":"neutral","sentiment_score":0.07142528519034386},{"text":"So that that's that's the the fee side of things.","start":3203.875,"end":3206.615,"sentiment":"neutral","sentiment_score":0.07479371652007102},{"text":"The other thing that I wanted to touch on is that to implement the advice, we do need your tax fund.","start":3206.915,"end":3212.8352,"sentiment":"neutral","sentiment_score":0.08198061301594689},{"text":"We don't, but the Superfund needs your tax file number.","start":3212.8352,"end":3215.655,"sentiment":"neutral","sentiment_score":0.06753464788198471},{"text":"But we need to code a a legal copy of your ID.","start":3217.01,"end":3220.55,"sentiment":"neutral","sentiment_score":0.08104636737455924}],"sentiment":"neutral","sentiment_score":0.07745969993146982,"num_words":55,"start":3202.59,"end":3220.55},{"sentences":[{"text":"So it can be passport or driver's license.","start":3221.0898,"end":3223.91,"sentiment":"neutral","sentiment_score":0.06272694747895002},{"text":"Cool.","start":3225.73,"end":3226.23,"sentiment":"positive","sentiment_score":0.4126748442649842},{"text":"What I will do for your tax file number is, a, I don't want you to verbally tell me, or, b, I don't want you to email it to me, please.","start":3226.29,"end":3231.885,"sentiment":"neutral","sentiment_score":0.02644193587043593},{"text":"On the documents that I send you, one of the documents is actually gonna have a space for you to be able to free type your tax file number in.","start":3232.125,"end":3238.685,"sentiment":"neutral","sentiment_score":0.09626683207849661},{"text":"It'll be a mandatory field that you have to enter.","start":3238.685,"end":3240.765,"sentiment":"neutral","sentiment_score":0.05396344065666199}],"sentiment":"neutral","sentiment_score":0.0645228725625202,"num_words":80,"start":3221.0898,"end":3240.765},{"sentences":[{"text":"That is the only place we hold your tax your tax file number.","start":3240.765,"end":3243.825,"sentiment":"neutral","sentiment_score":0.038579117793303266},{"text":"That document gets locked completely and is not held on system.","start":3244.01,"end":3247.47,"sentiment":"neutral","sentiment_score":-0.03455725820227103},{"text":"Your tax file number is entered into the super fund who also have their own locking system.","start":3248.5698,"end":3252.8298,"sentiment":"neutral","sentiment_score":0.04324797628556981},{"text":"The benefits are obviously if you don't don't list your tax on them with with with the super funds, they tax you at the highest possible rate.","start":3254.49,"end":3261.9048,"sentiment":"neutral","sentiment_score":-0.004003808730178409},{"text":"Correct.","start":3262.365,"end":3262.865,"sentiment":"neutral","sentiment_score":0.024035241454839703}],"sentiment":"neutral","sentiment_score":0.011196328893951748,"num_words":69,"start":3240.765,"end":3262.865},{"sentences":[{"text":"So we need to cool.","start":3265.565,"end":3267.7249,"sentiment":"neutral","sentiment_score":-0.0011551164090633393},{"text":"Well, what I'll do is I will package everything up and send it to you.","start":3267.7249,"end":3271.085,"sentiment":"neutral","sentiment_score":0.1275914524992307},{"text":"I think it's it's actually already packaged up.","start":3271.085,"end":3272.6848,"sentiment":"neutral","sentiment_score":0.12680512946099043},{"text":"I just have to press the send button.","start":3272.6848,"end":3274.065,"sentiment":"neutral","sentiment_score":0.09322782000526786},{"text":"So I'll send that through to you.","start":3274.35,"end":3275.6301,"sentiment":"neutral","sentiment_score":0.14348696491547994}],"sentiment":"neutral","sentiment_score":0.10866903617631557,"num_words":43,"start":3265.565,"end":3275.6301},{"sentences":[{"text":"Don't be surprised if it goes to junk because it is like a signing document thing.","start":3275.6301,"end":3279.6501,"sentiment":"neutral","sentiment_score":-0.30369881726801395},{"text":"You'll have that within the next ten minutes.","start":3279.7102,"end":3281.57,"sentiment":"neutral","sentiment_score":0.24032915756106377},{"text":"Are there any questions that you may or may not have?","start":3283.3901,"end":3286.1301,"sentiment":"neutral","sentiment_score":0.006957755170085214},{"text":"Yeah.","start":3295.0151,"end":3295.5151,"sentiment":"neutral","sentiment_score":0.2060536742210388},{"text":"Yeah.","start":3295.8152,"end":3296.0552,"sentiment":"neutral","sentiment_score":0.2988659739494324}],"sentiment":"neutral","sentiment_score":-0.0636511583988731,"num_words":37,"start":3275.6301,"end":3296.0552},{"sentences":[{"text":"Absolutely.","start":3296.0552,"end":3296.5552,"sentiment":"positive","sentiment_score":0.542043924331665},{"text":"Yeah.","start":3301.27,"end":3301.77,"sentiment":"neutral","sentiment_score":0.24530525505542755},{"text":"Yeah.","start":3308.63,"end":3309.13,"sentiment":"neutral","sentiment_score":0.13772326707839966},{"text":"Feel free.","start":3309.3499,"end":3309.83,"sentiment":"neutral","sentiment_score":0.23408108204603195},{"text":"He can email me.","start":3309.83,"end":3310.63,"sentiment":"neutral","sentiment_score":0.1990550011396408}],"sentiment":"neutral","sentiment_score":0.24327273501290214,"num_words":9,"start":3296.0552,"end":3310.63},{"sentences":[{"text":"So as long as he sees you in and you send an email saying I'm happy for you guys to discuss.","start":3310.63,"end":3314.925,"sentiment":"neutral","sentiment_score":0.2180979558754535},{"text":"Oh, that works.","start":3317.535,"end":3318.445,"sentiment":"neutral","sentiment_score":0.30859145522117615},{"text":"Yeah.","start":3326.6301,"end":3327.1301,"sentiment":"neutral","sentiment_score":-0.04701530188322067},{"text":"With a bit of luck.","start":3334.23,"end":3335.45,"sentiment":"neutral","sentiment_score":0.04295426830649376},{"text":"I hope so too.","start":3336.47,"end":3337.35,"sentiment":"neutral","sentiment_score":0.12223881483078003}],"sentiment":"neutral","sentiment_score":0.1812512570006006,"num_words":34,"start":3310.63,"end":3337.35},{"sentences":[{"text":"We just I think the best thing for us to do is just to sit on this for twelve months, see what happens with the house, the the mortgage, and how that all finishes, and then we can kinda revisit the final plan.","start":3337.35,"end":3349.4749,"sentiment":"neutral","sentiment_score":0.05768824975157893},{"text":"The mortgage?","start":3355.55,"end":3356.29,"sentiment":"neutral","sentiment_score":0.009868183173239231},{"text":"Weekly?","start":3358.99,"end":3359.49,"sentiment":"neutral","sentiment_score":0.0048009371384978294},{"text":"Weekly or, a, weekly or fortnightly payments, definitely, because it's gonna result in you paying less interest overall.","start":3360.03,"end":3366.77,"sentiment":"neutral","sentiment_score":0.04093163626061545},{"text":"If you're able to set an offset account, I would 100% try and get an offset account set up and live out of that offset account.","start":3367.065,"end":3373.4849,"sentiment":"neutral","sentiment_score":0.08657463639974594}],"sentiment":"neutral","sentiment_score":0.0610315782431927,"num_words":90,"start":3337.35,"end":3373.4849},{"sentences":[{"text":"Aside from that, until I know what the interest rate is, the term, the repayments, or anything like that, I can't delve to date.","start":3374.105,"end":3381.565,"sentiment":"neutral","sentiment_score":0.011230755092886588},{"text":"Cool.","start":3387.04,"end":3387.54,"sentiment":"positive","sentiment_score":0.48739540576934814},{"text":"Amazing.","start":3388.96,"end":3389.46,"sentiment":"positive","sentiment_score":0.5596861243247986},{"text":"No.","start":3390.6401,"end":3391.04,"sentiment":"neutral","sentiment_score":-0.026213619858026505},{"text":"Absolutely.","start":3391.04,"end":3391.52,"sentiment":"positive","sentiment_score":0.706295371055603}],"sentiment":"neutral","sentiment_score":0.07131076441146433,"num_words":28,"start":3374.105,"end":3391.52},{"sentences":[{"text":"My pleasure.","start":3391.52,"end":3392.18,"sentiment":"positive","sentiment_score":0.7190753221511841},{"text":"I'll get everything sent to you so you can when you finish looking it over, sign it.","start":3392.24,"end":3396.1602,"sentiment":"positive","sentiment_score":0.3554346508839551},{"text":"Thank you.","start":3396.1602,"end":3396.82,"sentiment":"positive","sentiment_score":0.6685197651386261},{"text":"I was pretty impressed to get it all out in the time frame that we did it, so it's not too bad.","start":3397.12,"end":3402.145,"sentiment":"positive","sentiment_score":0.5830061815001748},{"text":"Twelve days.","start":3410.6199,"end":3411.44,"sentiment":"positive","sentiment_score":0.4271095246076584}],"sentiment":"positive","sentiment_score":0.4999540951516893,"num_words":45,"start":3391.52,"end":3411.44},{"sentences":[{"text":"Of course.","start":3424.795,"end":3425.4548,"sentiment":"neutral","sentiment_score":0.02439364418387413},{"text":"We made it.","start":3442.17,"end":3443.07,"sentiment":"neutral","sentiment_score":0.23538403709729513},{"text":"It would no.","start":3447.545,"end":3448.585,"sentiment":"neutral","sentiment_score":-0.02596870033691327},{"text":"No.","start":3448.585,"end":3448.9849,"sentiment":"neutral","sentiment_score":-0.024110324680805206},{"text":"So it was totally good.","start":3448.9849,"end":3450.525,"sentiment":"neutral","sentiment_score":0.2786794871091843}],"sentiment":"neutral","sentiment_score":0.146165743536715,"num_words":14,"start":3424.795,"end":3450.525},{"sentences":[{"text":"It all matched up perfectly.","start":3450.9849,"end":3452.4448,"sentiment":"positive","sentiment_score":0.42981932163238523},{"text":"Not a problem at all, Mark.","start":3457.035,"end":3458.1548,"sentiment":"neutral","sentiment_score":0.14606629063685736},{"text":"We will chat later.","start":3458.1548,"end":3459.2148,"sentiment":"neutral","sentiment_score":0.07458074018359184},{"text":"Bye.","start":3460.8748,"end":3461.3748,"sentiment":"neutral","sentiment_score":0.08348792046308517}],"sentiment":"neutral","sentiment_score":0.21295657707378268,"num_words":16,"start":3450.9849,"end":3461.3748}]}}]},{"alternatives":[{"transcript":"Mark Wallace. Hello? Hey. Good. How are you? That's alright. It's fine. Yeah. Now it's gone. Almost gone, isn't it? Yeah. Been good. Been good. Did you get the message regarding Superfund? So we deposited funds in the Superfund? Yeah. Okay. Had to had to do that because the cutoff was the eighteenth. Yeah. Yeah. Okay. Cool. Right. Yep. Yep. Not. Yep. Yep. Okay. Cool. Okay. Let me just grab my other computer. Okay. Got it. Mhmm. Yes. Yes. Yep. Yep. We're done. Yeah. That's right. Sure. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Mhmm. It's $77.70 seventy seven and a half. Yep. Mhmm. That's right. Yep. Yep. Yes. That's right. That's right. Yep. No. No. I wasn't gonna do that till the New Year. That's right. Yep. Yep. But does that no. No. No. I know. And it does that does it need to go does it know some intent need to happen before the tax is completed or does it happen at the same time? Yep. Okay. Yep. Perfect. Perfect. Yep. Okay. Yep. That's good. That's good. Yeah. I mean, look look, we we we know that over the last couple of years, we've probably got a bit of a tax bill because we've been generating a bit of interest on the cash we've had in the bank or in our, you know, savings. So, you know, that that that bit of tax benefit is gonna help offset those costs. So, you know, it's it's not gonna flow through to cash for us. It's probably gonna get gobbled up in dealing with tax. Yep. That's what I'm talking about. There's been there's been sort of, you know, anything from sort of 1.4 to 1,200,000 sitting in those in that that those in various accounts for the last couple of years. So we know there's gonna be a bit of a bit of tax to pay. There's a couple of returns that need to be completed. So and then our account's under that. So it's a and, you know, we're we're not we're we're a bit behind, but that's okay. Yep. Not not certainly we typically rush into completing tax returns because we've never really been in a no. It's never we're never we're never really in a position to benefit from from a tax return. So it's not not high on the priority list, but but he knows that we need to get it done because I I I have to squeak and clean on that end for work. So he's he's on to that now. So he's just wanting to get rid of his sort of end of the year backlog and then he'll jump onto us. So I expect, you know, by the end of July, we'll probably have some tax returns to to drop in the into the system. Yeah. Yeah. No. Yes. That's right. Yep. That's right. Someone yeah. Yeah. Exactly. And, you know, I'm hopeful that to a large extent because I've been p a y e for the last four years that, you know, there'll be a bit of tax coming back off my off my income anyway, coming back. And then plus this contribution is gonna dish us up about, I don't know, 10 or $12,000. So we might we might be able to square everything off. Never know. Like it lucky. Yep. Yeah. That's that's that's my that's my heart. Mhmm. But it just doesn't the I thought the 77 and a half thousand dollars that we put into super, I thought that goes into the super. The super fund will tax it at 15%, and the difference between what I've paid on that 77 and a half thousand dollars and the 15% is what I get back. Because that, in my head, that works out to about sort of 10 or $12,000. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Oh, you say you get all of the margin right back, not just the differential? Oh, okay. Oh, okay. Oh, okay. Oh, okay. I thought sorry. I thought I thought I would get the difference between my marginal rate and the 15%, but you're saying I get the whole marginal versus the whole marginal rate back. Okay. Yeah. Yeah. Alright. Okay. That's right. Yep. Yep. In this day. That's right. Yeah. Okay. Yep. That's all that's what I'll do. Yeah. Hopefully. Might might not. Might not. We'll see how we get there. Yeah. I'm a cook yeah. Right? I could I could calculate. I think there's two. I think there's two sitting there. So there's a couple of years. So there'll be a bit I mean, there's, you know, there'll be a bit out of the out of the prior years as well that needs to be picked up. So there'll be a bit of money coming back from those. And then, obviously, this year, they'll be they'll be a good whack. So yeah. Look what we'll we'll see. I mean, I think, you know, I might be able to wash his face, which would be great. If that happened, that'd be terrific. You know, because it's it's that's that will that will help significantly. Obviously. Okay. That's good. So I understand that now. Thank you for explaining that. Appreciate it. Okay. Yes. Mhmm. Yep. Yep. Good. Mhmm. Good. Yep. Yep. Yep. Right. So what's the sorry. What's the advantage of of taking it out of the Gilman Fund? Yep. And who who who is who is Hub twenty four? Never heard of them. Yep. Yep. Yep. Mhmm. Yep. Yeah. The problem the problem is that the the the 77 and a half was part of a 100,000. I pulled out of Latrobe at six at six point seven five, and it's now, you know, I don't even know what it's earning. And the 20 odd thousand dollars sitting in a cash account earning stuff all. So, You know, I wanted to get the intention was that I would pull that 77 and a half thousand dollars back out again and put it into a more productive investment account. We live partly off the invest well, we do live off the in addition to my salary, we live off the interest earned on on that money. So I can't I can't leave the 77 and a half in the unless I can which I can do. I can just draw out of the super fund the difference anyway and just leave it there. So but that's that's a bit I need to understand whether I can do or I can't do. Or how do I set that up and how does that all work? And and the other I guess you're gonna get to it, but the other thing that's rolling around my head is making additional contributions every fortnight into the super fund to kinda accelerate this whole process. Because we we we can do that as well. But I expect you probably cover that off to some point. Yeah. I bet you do. Oh, no. Go on. Okay. So so okay. So we take all of money that's sitting in the student fund, including the 77 and a half thousand and roll that into Hub 24. And then yep. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Got it. Mhmm. Yep. Yep. So not not a huge amount of difference, but, like, $1,111,000 dollars difference between the two funds. Right? Yep. Okay. Mhmm. Yep. Yep. Yep. Oh, Griffin. Griffin. Yeah. Yeah. Yeah. Yeah. Yep. No. It's been knocked around a bit by what's going on in The US. Yep. Mhmm. Yep. So you want to so you want to liquidate that and put that where? Oh, into the super fund. Am I able to do that? That's a $100,000. Right. Okay. Yeah. Because I'm sorry. Yeah. Because I'm sorry. The tax pay sorry. Tax paid that money. Right. So it doesn't it doesn't pay any it doesn't get taxed again in the super fund. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Reduce to reduce my tax. Yep. Yep. One one coming from a pension, one coming from work. Yep. Got it. Yep. So and and so the net impact is in terms of cash flow for me is virtually zero, but we're accumulating money in the super fund and taking a tax benefit from the way through. Okay. Yep. So is that do do we still stay under the cap, down to 30,000 caps? Right. Yep. Yep. It's at the same. Yeah. It's at the same. Yep. Yep. Correct. No. That's right. But you exactly you no. No. That's no. No. That's exactly right. I don't I don't wanna take anymore either. So I think, you know, it it so so with this, basically, we end up with the same the cash there's no cash flow change, but we're getting a, what, a $5,000 tax benefit. Yep. It's cool. Yeah. Yep. Yep. Yep. Yeah. That's right. Oh, shit. Yeah. That's a message. But I know I can always and if I need access to cash, I can always take it out. Right? Good. Exactly right. So No. No. Well, I mean, look, the reality is all that that go in there as well if you wanted to. I mean, I I don't mind. We're not wedded to I mean, it it won't it won't come out of Police Bank until April next year. But at that point, we can put that with the super funds. I mean, sort of only means that when when time comes to pay for the house, we need to be able to get it out. Oh, okay. Okay. So what about so that so that 20,000 in cash that we've got at the moment, let's see. Because we're not we we're gonna leave that 77 and a half in there, aren't we? Might have to take that out. Staying there. Because we like we like the 11% that we're getting on. Right? So that's but so we're gonna leave that. So what about the 20,000? Can that go in as well? Okay. Alright. That sounds good. Your plan does work out. But in sixty's time? In five okay. Yeah. Yeah. Five to seven years. Okay. Gosh. Yeah. Well, I mean, we I need to do I need to do this. Yep. Okay. Got it. Seven years four nine six. Yep. The better for you. Oh, definitely. Yeah. Definitely. Sorry. Let's go back to the step. The current recommended current is if we lift things the way they are now. No. No. So no. It's okay. Go go back to page 22. Yep. That's true. Yeah. So we have a couple $100,000. Right? So and if we if we we get oh, I see. And that's what we're doing at Hub twenty four. Then if we and if we do okay. Then if we work the okay. Okay. Then if we put another 126 in, which is the Griffin money plus the cash. Right? Is that right? Page 30, it says $1.26. That's the grip that's Griffin plus cash. Is that right? Yep. Okay. So you keep following the recommended down. You end up at in five years' time, it's actually 400,000. In seven years' time, almost 500,000. Yes. Yep. Okay. That's right. And so yeah. Exactly. So you run out of money at age 84 ish. At 85, you run out of money, but that's just your super. Right. Yep. That's some money. Yeah. Yeah. No. That's yeah. Exactly right. That's exactly right. No. It's good good to do it this way because then everything else is an upside. Right? So, I mean, if money suddenly lands on the table, then we can we can make have a discussion about what that what we do with that at that time. And then exactly. That's right. And then and then, you know, when I finally do pull the pin and stop working then, you know, does settling do anything for us or not at that point? Yeah. No. No. No. Exactly right. And which is why you wanna get into super. Yeah. So when the when the house is when the and when the house is built and they say, okay. Well well, what's the next payment? The next payment is gonna be stamp duty. So there'll be an $80,000 stamp duty bill that's gonna get paid shortly before finalization or shortly before settlement. And then when settlement happens, there'll be no issues. I can just what we what do you do? Just send a notice of intention to withdraw some money or I'm not sure how that works. How do how do you how do you actually make a a withdrawal out of a super fund apart from having that pay the the pension? Okay. Okay. Okay. Okay. So things are pretty easy when you're my age. It sounds like the only advantage of being my age. Yeah. It is a good advantage, isn't it? Makes a hell of a different sign. Can't do it. Can't do it. Yeah. My account was talking about something about $310,000 contribution I can make from I don't know. I need to find out from what he was talking about. I was just trying to get finalization of the 77 and a half. But he was talking about something. What what what what's that relate to? That that that's part of that. Is it? Okay. We we went back. Yep. Yes, sir. That was the number. Yeah. Okay. Yeah. Exactly. No. I get I get it. Okay. Okay. Exactly right. Yep. Yep. Perfect. Right. And he's a really good I mean, he's a he's a family friend, and he's a really, really great bloke. And I don't pressure him because, you know, the relationship we have with him. So but he's extremely helpful. So I don't mind and I don't mind you talking to him. Or I can get him to talk to you if that becomes necessary at any point. So very happy for that to happen. And I'll and I will and I will, of course, share this advice with him. But he's he's very supportive. You know, he he he doesn't give financial advice. He just does my tax. So he makes that very clear. But he, you know, he's he's a great bike. So alright. Yeah. No. And look, he'll he'll do the taxes. He'll go go through it. He can talk to you about what we've done so that we, you know, maximize the benefit. Yeah. Exactly. Yep. Doing okay. Okay. Oh, yeah. Oh, yes. I understand that. Yeah. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Okay. It's just gonna go to your site. Yep. Yep. That's fine. No. I'm I'm I'm pretty relaxed. A lot of this stuff doesn't bother me. So alright. So what do you need now to move forward? Because obviously obviously, the sooner we do this, the better. Okay. Yep. Yep. Yep. Yep. Mhmm. Yep. Okay. Yep. So now I think we spoke when we last spoke, you told what your fees were? Why are you laughing? Hey. Yeah. That's alright. No. Well, we did we covered. It was 1.5 or something. Is that right? Alright. One point $6.05. Ongoing. So what does that what does that mean? Literally. So in dollar in dollar figures. Yeah. What? Per year? Yep. Yep. So and you just send me a bill when I pay. Is that right? Or or does it come comes out of the super fund. So which virtually means it's being salary sacrificed. Right? Okay. Yeah. Yeah. Because I do that because the other thing I can do is that you can actually sell it out on point. We're living super funds, so it's irrelevant. It doesn't matter. Yeah. So if the pay comes out of the super fund, that's fine because that means it's basically salary sacrifice. So we're only paying, you know, the the the 15% on it. Oh, sorry. No. I'm getting the tax benefit on. It's reducing my reducing my salary. Yeah. There we are. And then on the other side of the relationship, you get fees on the investments? Okay. You you don't do that. Sounds sounds like it works for the government. Alright. Okay. Yes, sir. You can have that as well. You can have that as well. Yep. Yep. It's fine. Alright. Yep. Did I get the benefits? Did I get the benefit? I understand. Okay. Yep. Okay. Not not at this stage. I'll I'll read through your document. And if I have any questions, I'll flick you an email. It's probably the easiest way. I do wanna share this with with David, my accountant. So just let him know what's happening so he's aware. And if he's got any questions, then I'll I'll share those to you as well. Yep. Yep. Oh, no. I'll I'll I'll I'll email you with these questions. It's alright. Otherwise, yeah, it looks it looks good. I think we definitely need to be doing we need to have some acceleration on what's going on because, you know, we're not gonna get to where we need to get to. A bit of luck, I might be able to pull up in earlier. You never know. Yes. Yeah. Exactly. Yep. Yep. Yep. Yep. And if are there ways as I as I think about the mortgage, are are there ways that I should be structuring that? Yeah. Is it or is it just it's just a matter of yeah. Yeah. Yep. Yep. Yep. Okay. Okay. Okay. Okay. Alright. Sounds good. What is the thank you? Good work. Okay. No. No. It's very, very good. I appreciate that. And and really, the conversation you and I had, what was it, week or two ago, was great because it because it actually, obviously, sparked the the the conversation I had with my account about the putting that money into super fund, which, god, I was paying for to get it out of Latrobe. I had to pay 1 and a half thousand dollars to get it out of Latrobe. And then and then it was, you know, trying to get the super fund to accept the payment quickly or or getting on the tribe to give us the money quickly because we only said twenty four hours to to get it into the fund. But we made it. So it was good. So had had you hey hey, you and I had that conversation twenty four hours later, it wouldn't have worked. So yeah. Good in the end. Thank you. Alright. That's great. Thanks for your time, Lisa. Appreciate it. Okay. Okay. Ciao. Bye. 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Wallace. Hello? Hey. Good. How are you?\n\nThat's alright. It's fine. Yeah. Now it's gone. Almost gone, isn't it?\n\nYeah. Been good. Been good. Did you get the message regarding Superfund? So we deposited funds in the Superfund?\n\nYeah. Okay. Had to had to do that because the cutoff was the eighteenth. Yeah. Yeah.\n\nOkay. Cool. Right. Yep. Yep.\n\nNot. Yep. Yep. Okay. Cool.\n\nOkay. Let me just grab my other computer. Okay. Got it. Mhmm.\n\nYes. Yes. Yep. Yep. We're done.\n\nYeah. That's right. Sure. Yep. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Mhmm. It's $77.70 seventy seven and a half. Yep. Mhmm.\n\nThat's right. Yep. Yep. Yes. That's right.\n\nThat's right. Yep. No. No. I wasn't gonna do that till the New Year.\n\nThat's right. Yep. Yep. But does that no. No.\n\nNo. I know. And it does that does it need to go does it know some intent need to happen before the tax is completed or does it happen at the same time? Yep. Okay.\n\nYep. Perfect. Perfect. Yep. Okay.\n\nYep. That's good. That's good. Yeah. I mean, look look, we we we know that over the last couple of years, we've probably got a bit of a tax bill because we've been generating a bit of interest on the cash we've had in the bank or in our, you know, savings.\n\nSo, you know, that that that bit of tax benefit is gonna help offset those costs. So, you know, it's it's not gonna flow through to cash for us. It's probably gonna get gobbled up in dealing with tax. Yep. That's what I'm talking about.\n\nThere's been there's been sort of, you know, anything from sort of 1.4 to 1,200,000 sitting in those in that that those in various accounts for the last couple of years. So we know there's gonna be a bit of a bit of tax to pay. There's a couple of returns that need to be completed. So and then our account's under that. So it's a and, you know, we're we're not we're we're a bit behind, but that's okay.\n\nYep. Not not certainly we typically rush into completing tax returns because we've never really been in a no. It's never we're never we're never really in a position to benefit from from a tax return. So it's not not high on the priority list, but but he knows that we need to get it done because I I I have to squeak and clean on that end for work. So he's he's on to that now.\n\nSo he's just wanting to get rid of his sort of end of the year backlog and then he'll jump onto us. So I expect, you know, by the end of July, we'll probably have some tax returns to to drop in the into the system. Yeah. Yeah. No.\n\nYes. That's right. Yep. That's right. Someone yeah.\n\nYeah. Exactly. And, you know, I'm hopeful that to a large extent because I've been p a y e for the last four years that, you know, there'll be a bit of tax coming back off my off my income anyway, coming back. And then plus this contribution is gonna dish us up about, I don't know, 10 or $12,000. So we might we might be able to square everything off.\n\nNever know. Like it lucky. Yep. Yeah. That's that's that's my that's my heart.\n\nMhmm. But it just doesn't the I thought the 77 and a half thousand dollars that we put into super, I thought that goes into the super. The super fund will tax it at 15%, and the difference between what I've paid on that 77 and a half thousand dollars and the 15% is what I get back. Because that, in my head, that works out to about sort of 10 or $12,000. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Oh, you say you get all of the margin right back, not just the differential? Oh, okay. Oh, okay. Oh, okay.\n\nOh, okay. I thought sorry. I thought I thought I would get the difference between my marginal rate and the 15%, but you're saying I get the whole marginal versus the whole marginal rate back. Okay. Yeah.\n\nYeah. Alright. Okay. That's right. Yep.\n\nYep. In this day. That's right. Yeah. Okay.\n\nYep. That's all that's what I'll do. Yeah. Hopefully. Might might not.\n\nMight not. We'll see how we get there. Yeah. I'm a cook yeah. Right?\n\nI could I could calculate. I think there's two. I think there's two sitting there. So there's a couple of years. So there'll be a bit I mean, there's, you know, there'll be a bit out of the out of the prior years as well that needs to be picked up.\n\nSo there'll be a bit of money coming back from those. And then, obviously, this year, they'll be they'll be a good whack. So yeah. Look what we'll we'll see. I mean, I think, you know, I might be able to wash his face, which would be great.\n\nIf that happened, that'd be terrific. You know, because it's it's that's that will that will help significantly. Obviously. Okay. That's good.\n\nSo I understand that now. Thank you for explaining that. Appreciate it. Okay. Yes.\n\nMhmm. Yep. Yep. Good. Mhmm.\n\nGood. Yep. Yep. Yep. Right.\n\nSo what's the sorry. What's the advantage of of taking it out of the Gilman Fund? Yep. And who who who is who is Hub twenty four? Never heard of them.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYeah. The problem the problem is that the the the 77 and a half was part of a 100,000. I pulled out of Latrobe at six at six point seven five, and it's now, you know, I don't even know what it's earning. And the 20 odd thousand dollars sitting in a cash account earning stuff all. So, You know, I wanted to get the intention was that I would pull that 77 and a half thousand dollars back out again and put it into a more productive investment account.\n\nWe live partly off the invest well, we do live off the in addition to my salary, we live off the interest earned on on that money. So I can't I can't leave the 77 and a half in the unless I can which I can do. I can just draw out of the super fund the difference anyway and just leave it there. So but that's that's a bit I need to understand whether I can do or I can't do. Or how do I set that up and how does that all work?\n\nAnd and the other I guess you're gonna get to it, but the other thing that's rolling around my head is making additional contributions every fortnight into the super fund to kinda accelerate this whole process. Because we we we can do that as well. But I expect you probably cover that off to some point. Yeah. I bet you do.\n\nOh, no. Go on. Okay. So so okay. So we take all of money that's sitting in the student fund, including the 77 and a half thousand and roll that into Hub 24.\n\nAnd then yep. Yep. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yep. Mhmm. Mhmm. Yep.\n\nYep. Yep. Got it. Mhmm. Yep.\n\nYep. So not not a huge amount of difference, but, like, $1,111,000 dollars difference between the two funds. Right? Yep. Okay.\n\nMhmm. Yep. Yep. Yep. Oh, Griffin.\n\nGriffin. Yeah. Yeah. Yeah. Yeah.\n\nYep. No. It's been knocked around a bit by what's going on in The US. Yep. Mhmm.\n\nYep. So you want to so you want to liquidate that and put that where? Oh, into the super fund. Am I able to do that? That's a $100,000.\n\nRight. Okay. Yeah. Because I'm sorry. Yeah.\n\nBecause I'm sorry. The tax pay sorry. Tax paid that money. Right. So it doesn't it doesn't pay any it doesn't get taxed again in the super fund.\n\nYep. Okay. Mhmm. Mhmm. Yep.\n\nMhmm. Reduce to reduce my tax. Yep. Yep. One one coming from a pension, one coming from work.\n\nYep. Got it. Yep. So and and so the net impact is in terms of cash flow for me is virtually zero, but we're accumulating money in the super fund and taking a tax benefit from the way through. Okay.\n\nYep. So is that do do we still stay under the cap, down to 30,000 caps? Right. Yep. Yep.\n\nIt's at the same. Yeah. It's at the same. Yep. Yep.\n\nCorrect. No. That's right. But you exactly you no. No.\n\nThat's no. No. That's exactly right. I don't I don't wanna take anymore either. So I think, you know, it it so so with this, basically, we end up with the same the cash there's no cash flow change, but we're getting a, what, a $5,000 tax benefit.\n\nYep. It's cool. Yeah. Yep. Yep.\n\nYep. Yeah. That's right. Oh, shit. Yeah.\n\nThat's a message. But I know I can always and if I need access to cash, I can always take it out. Right? Good. Exactly right.\n\nSo No. No. Well, I mean, look, the reality is all that that go in there as well if you wanted to. I mean, I I don't mind. We're not wedded to I mean, it it won't it won't come out of Police Bank until April next year.\n\nBut at that point, we can put that with the super funds. I mean, sort of only means that when when time comes to pay for the house, we need to be able to get it out. Oh, okay. Okay. So what about so that so that 20,000 in cash that we've got at the moment, let's see.\n\nBecause we're not we we're gonna leave that 77 and a half in there, aren't we? Might have to take that out. Staying there. Because we like we like the 11% that we're getting on. Right?\n\nSo that's but so we're gonna leave that. So what about the 20,000? Can that go in as well? Okay. Alright.\n\nThat sounds good. Your plan does work out. But in sixty's time? In five okay. Yeah.\n\nYeah. Five to seven years. Okay. Gosh. Yeah.\n\nWell, I mean, we I need to do I need to do this. Yep. Okay. Got it. Seven years four nine six.\n\nYep. The better for you. Oh, definitely. Yeah. Definitely.\n\nSorry. Let's go back to the step. The current recommended current is if we lift things the way they are now. No. No.\n\nSo no. It's okay. Go go back to page 22. Yep. That's true.\n\nYeah. So we have a couple $100,000. Right? So and if we if we we get oh, I see. And that's what we're doing at Hub twenty four.\n\nThen if we and if we do okay. Then if we work the okay. Okay. Then if we put another 126 in, which is the Griffin money plus the cash. Right?\n\nIs that right? Page 30, it says $1.26. That's the grip that's Griffin plus cash. Is that right? Yep.\n\nOkay. So you keep following the recommended down. You end up at in five years' time, it's actually 400,000. In seven years' time, almost 500,000. Yes.\n\nYep. Okay. That's right. And so yeah. Exactly.\n\nSo you run out of money at age 84 ish. At 85, you run out of money, but that's just your super. Right. Yep. That's some money.\n\nYeah. Yeah. No. That's yeah. Exactly right.\n\nThat's exactly right. No. It's good good to do it this way because then everything else is an upside. Right? So, I mean, if money suddenly lands on the table, then we can we can make have a discussion about what that what we do with that at that time.\n\nAnd then exactly. That's right. And then and then, you know, when I finally do pull the pin and stop working then, you know, does settling do anything for us or not at that point? Yeah. No.\n\nNo. No. Exactly right. And which is why you wanna get into super. Yeah.\n\nSo when the when the house is when the and when the house is built and they say, okay. Well well, what's the next payment? The next payment is gonna be stamp duty. So there'll be an $80,000 stamp duty bill that's gonna get paid shortly before finalization or shortly before settlement. And then when settlement happens, there'll be no issues.\n\nI can just what we what do you do? Just send a notice of intention to withdraw some money or I'm not sure how that works. How do how do you how do you actually make a a withdrawal out of a super fund apart from having that pay the the pension? Okay. Okay.\n\nOkay. Okay. So things are pretty easy when you're my age. It sounds like the only advantage of being my age. Yeah.\n\nIt is a good advantage, isn't it? Makes a hell of a different sign. Can't do it. Can't do it. Yeah.\n\nMy account was talking about something about $310,000 contribution I can make from I don't know. I need to find out from what he was talking about. I was just trying to get finalization of the 77 and a half. But he was talking about something. What what what what's that relate to?\n\nThat that that's part of that. Is it? Okay. We we went back. Yep.\n\nYes, sir. That was the number. Yeah. Okay. Yeah.\n\nExactly. No. I get I get it. Okay. Okay.\n\nExactly right. Yep. Yep. Perfect. Right.\n\nAnd he's a really good I mean, he's a he's a family friend, and he's a really, really great bloke. And I don't pressure him because, you know, the relationship we have with him. So but he's extremely helpful. So I don't mind and I don't mind you talking to him. Or I can get him to talk to you if that becomes necessary at any point.\n\nSo very happy for that to happen. And I'll and I will and I will, of course, share this advice with him. But he's he's very supportive. You know, he he he doesn't give financial advice. He just does my tax.\n\nSo he makes that very clear. But he, you know, he's he's a great bike. So alright. Yeah. No.\n\nAnd look, he'll he'll do the taxes. He'll go go through it. He can talk to you about what we've done so that we, you know, maximize the benefit. Yeah. Exactly.\n\nYep. Doing okay. Okay. Oh, yeah. Oh, yes.\n\nI understand that. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Okay. It's just gonna go to your site.\n\nYep. Yep. That's fine. No. I'm I'm I'm pretty relaxed.\n\nA lot of this stuff doesn't bother me. So alright. So what do you need now to move forward? Because obviously obviously, the sooner we do this, the better. Okay.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Okay. Yep. So now I think we spoke when we last spoke, you told what your fees were? Why are you laughing?\n\nHey. Yeah. That's alright. No. Well, we did we covered.\n\nIt was 1.5 or something. Is that right? Alright. One point $6.05. Ongoing.\n\nSo what does that what does that mean? Literally. So in dollar in dollar figures. Yeah. What?\n\nPer year? Yep. Yep. So and you just send me a bill when I pay. Is that right?\n\nOr or does it come comes out of the super fund. So which virtually means it's being salary sacrificed. Right? Okay. Yeah.\n\nYeah. Because I do that because the other thing I can do is that you can actually sell it out on point. We're living super funds, so it's irrelevant. It doesn't matter. Yeah.\n\nSo if the pay comes out of the super fund, that's fine because that means it's basically salary sacrifice. So we're only paying, you know, the the the 15% on it. Oh, sorry. No. I'm getting the tax benefit on.\n\nIt's reducing my reducing my salary. Yeah. There we are. And then on the other side of the relationship, you get fees on the investments? Okay.\n\nYou you don't do that. Sounds sounds like it works for the government. Alright. Okay. Yes, sir.\n\nYou can have that as well. You can have that as well. Yep. Yep. It's fine.\n\nAlright. Yep. Did I get the benefits? Did I get the benefit? I understand.\n\nOkay. Yep. Okay. Not not at this stage. I'll I'll read through your document.\n\nAnd if I have any questions, I'll flick you an email. It's probably the easiest way. I do wanna share this with with David, my accountant. So just let him know what's happening so he's aware. And if he's got any questions, then I'll I'll share those to you as well.\n\nYep. Yep. Oh, no. I'll I'll I'll I'll email you with these questions. It's alright.\n\nOtherwise, yeah, it looks it looks good. I think we definitely need to be doing we need to have some acceleration on what's going on because, you know, we're not gonna get to where we need to get to. A bit of luck, I might be able to pull up in earlier. You never know. Yes.\n\nYeah. Exactly. Yep. Yep. Yep.\n\nYep. And if are there ways as I as I think about the mortgage, are are there ways that I should be structuring that? Yeah. Is it or is it just it's just a matter of yeah. Yeah.\n\nYep. Yep. Yep. Okay. Okay.\n\nOkay. Okay. Alright. Sounds good. What is the thank you?\n\nGood work. Okay. No. No. It's very, very good.\n\nI appreciate that. And and really, the conversation you and I had, what was it, week or two ago, was great because it because it actually, obviously, sparked the the the conversation I had with my account about the putting that money into super fund, which, god, I was paying for to get it out of Latrobe. I had to pay 1 and a half thousand dollars to get it out of Latrobe. And then and then it was, you know, trying to get the super fund to accept the payment quickly or or getting on the tribe to give us the money quickly because we only said twenty four hours to to get it into the fund. But we made it.\n\nSo it was good. So had had you hey hey, you and I had that conversation twenty four hours later, it wouldn't have worked. So yeah. Good in the end. Thank you.\n\nAlright. That's great. Thanks for your time, Lisa. Appreciate it. Okay.\n\nOkay. Ciao. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Mark Wallace.","start":0.56,"end":1.3,"sentiment":"neutral","sentiment_score":0.012228556908667088},{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.05041839927434921},{"text":"Hey.","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":0.24020391702651975},{"text":"Good.","start":9.28,"end":9.599999,"sentiment":"positive","sentiment_score":0.4846354126930237},{"text":"How are you?","start":9.599999,"end":10.42,"sentiment":"positive","sentiment_score":0.3350469668706258}],"sentiment":"neutral","sentiment_score":0.22560696792788804,"num_words":8,"start":0.56,"end":10.42},{"sentences":[{"text":"That's alright.","start":19.335001,"end":20.135,"sentiment":"neutral","sentiment_score":0.07424198742955923},{"text":"It's 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Superfund?","start":33.28,"end":36.9,"sentiment":"neutral","sentiment_score":0.008143897301384382},{"text":"So we deposited funds in the Superfund?","start":37.44,"end":45.735,"sentiment":"neutral","sentiment_score":0.014126466321093696}],"sentiment":"neutral","sentiment_score":0.08616664270429235,"num_words":19,"start":29.335,"end":45.735},{"sentences":[{"text":"Yeah.","start":46.275,"end":46.595,"sentiment":"neutral","sentiment_score":0.023799166083335876},{"text":"Okay.","start":46.595,"end":47.095,"sentiment":"neutral","sentiment_score":0.03148967772722244},{"text":"Had to had to do that because the cutoff was the 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no.","start":474.86502,"end":480.76,"sentiment":"neutral","sentiment_score":-0.2030335780647066},{"text":"It's never we're never we're never really in a position to benefit from from a tax return.","start":480.76,"end":485.72,"sentiment":"neutral","sentiment_score":-0.21250035044024973},{"text":"So it's not not high on the priority list, but but he knows that we need to get it done because I I I have to squeak and clean on that end for work.","start":485.72,"end":496.005,"sentiment":"negative","sentiment_score":-0.348143710371326},{"text":"So he's he's on to that now.","start":496.005,"end":498.965,"sentiment":"negative","sentiment_score":-0.34239055854933603}],"sentiment":"neutral","sentiment_score":-0.27793167976589944,"num_words":77,"start":473.745,"end":498.965},{"sentences":[{"text":"So he's just wanting to get rid of his sort of end of the year backlog and then he'll jump onto 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you say you get all of the margin right back, not just the differential?","start":716.84,"end":721.115,"sentiment":"neutral","sentiment_score":0.06635294097165266},{"text":"Oh, okay.","start":729.33496,"end":730.075,"sentiment":"neutral","sentiment_score":0.06318695098161697},{"text":"Oh, okay.","start":731.575,"end":732.39496,"sentiment":"neutral","sentiment_score":0.06644134968519211},{"text":"Oh, okay.","start":732.935,"end":733.675,"sentiment":"neutral","sentiment_score":0.054047323763370514}],"sentiment":"neutral","sentiment_score":0.06853036472404544,"num_words":22,"start":711.32,"end":733.675},{"sentences":[{"text":"Oh, okay.","start":734.13995,"end":734.62,"sentiment":"neutral","sentiment_score":0.06447530910372734},{"text":"I thought sorry.","start":734.62,"end":735.33997,"sentiment":"neutral","sentiment_score":-0.0014495303233464558},{"text":"I thought I thought I would get the difference between my marginal rate and the 15%, but you're saying I get the whole marginal versus the whole marginal rate back.","start":735.33997,"end":742.95996,"sentiment":"neutral","sentiment_score":0.01417954321950674},{"text":"Okay.","start":744.06,"end":744.56,"sentiment":"neutral","sentiment_score":0.012987615540623665},{"text":"Yeah.","start":745.1,"end":745.6,"sentiment":"neutral","sentiment_score":0.01923292689025402}],"sentiment":"neutral","sentiment_score":0.01573537476360798,"num_words":37,"start":734.13995,"end":745.6},{"sentences":[{"text":"Yeah.","start":747.42,"end":747.92,"sentiment":"neutral","sentiment_score":0.007842792198061943},{"text":"Alright.","start":748.22,"end":748.69995,"sentiment":"neutral","sentiment_score":0.05389484763145447},{"text":"Okay.","start":748.69995,"end":749.19995,"sentiment":"neutral","sentiment_score":0.049417391419410706},{"text":"That's 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problem the problem is that the the the 77 and a half was part of a 100,000.","start":1211.13,"end":1217.0499,"sentiment":"neutral","sentiment_score":-0.1654391268061267},{"text":"I pulled out of Latrobe at six at six point seven five, and it's now, you know, I don't even know what it's earning.","start":1217.0499,"end":1224.245,"sentiment":"neutral","sentiment_score":-0.06569213354183982},{"text":"And the 20 odd thousand dollars sitting in a cash account earning stuff all.","start":1224.245,"end":1230.245,"sentiment":"neutral","sentiment_score":-0.1811732075044087},{"text":"So, You know, I wanted to get the intention was that I would pull that 77 and a half thousand dollars back out again and put it into a more productive investment account.","start":1230.245,"end":1240.5,"sentiment":"neutral","sentiment_score":0.19138344213592284}],"sentiment":"neutral","sentiment_score":-0.00775327542796731,"num_words":90,"start":1210.49,"end":1240.5},{"sentences":[{"text":"We live partly off the invest well, we do live off the in addition to my salary, we live off the interest earned on on that money.","start":1242.9601,"end":1252.2051,"sentiment":"neutral","sentiment_score":0.0850665073979784},{"text":"So I can't I can't leave the 77 and a half in the unless I can which I can do.","start":1254.345,"end":1259.625,"sentiment":"neutral","sentiment_score":-0.1191976796835661},{"text":"I can just draw out of the super fund the difference anyway and just leave it there.","start":1259.625,"end":1266.1001,"sentiment":"neutral","sentiment_score":-0.06024892277577344},{"text":"So but that's that's a bit I need to understand whether I can do or I can't do.","start":1266.56,"end":1270.9601,"sentiment":"neutral","sentiment_score":-0.1347021334287193},{"text":"Or how do I set that up and how does that all 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been knocked around a bit by what's going on in The US.","start":1748.2301,"end":1750.7101,"sentiment":"neutral","sentiment_score":-0.18041206896305084},{"text":"Yep.","start":1750.7101,"end":1751.2101,"sentiment":"neutral","sentiment_score":0.034025803208351135},{"text":"Mhmm.","start":1772.3,"end":1772.8,"sentiment":"neutral","sentiment_score":-0.007398404181003571}],"sentiment":"neutral","sentiment_score":-0.13979951401843743,"num_words":17,"start":1703.735,"end":1772.8},{"sentences":[{"text":"Yep.","start":1781.5249,"end":1782.0249,"sentiment":"neutral","sentiment_score":0.07190090417861938},{"text":"So you want to so you want to liquidate that and put that where?","start":1785.2849,"end":1788.505,"sentiment":"neutral","sentiment_score":0.025071598988558565},{"text":"Oh, into the super fund.","start":1790.485,"end":1791.945,"sentiment":"neutral","sentiment_score":0.05148187056183815},{"text":"Am I able to do 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on.","start":2220.8699,"end":2223.43,"sentiment":"neutral","sentiment_score":0.20465163276954132},{"text":"Right?","start":2223.43,"end":2223.75,"sentiment":"neutral","sentiment_score":0.09541922062635422}],"sentiment":"neutral","sentiment_score":0.025132469315495756,"num_words":36,"start":2213.91,"end":2223.75},{"sentences":[{"text":"So that's but so we're gonna leave that.","start":2223.75,"end":2226.195,"sentiment":"neutral","sentiment_score":0.03284843557048589},{"text":"So what about the 20,000?","start":2226.2751,"end":2227.955,"sentiment":"neutral","sentiment_score":0.028121092915534975},{"text":"Can that go in as 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definitely.","start":2315.0452,"end":2315.685,"sentiment":"neutral","sentiment_score":0.10823849588632584},{"text":"Yeah.","start":2315.685,"end":2315.845,"sentiment":"neutral","sentiment_score":0.0948779359459877},{"text":"Definitely.","start":2315.845,"end":2316.345,"sentiment":"neutral","sentiment_score":0.09513237327337264}],"sentiment":"neutral","sentiment_score":0.12567029065555996,"num_words":9,"start":2313.445,"end":2316.345},{"sentences":[{"text":"Sorry.","start":2317.76,"end":2318.24,"sentiment":"neutral","sentiment_score":-0.011100562289357184},{"text":"Let's go back to the step.","start":2318.24,"end":2320.0,"sentiment":"neutral","sentiment_score":-0.005243118852376938},{"text":"The current recommended current is if we lift things the way they are now.","start":2320.0,"end":2324.66,"sentiment":"neutral","sentiment_score":-0.14394491112657956},{"text":"No.","start":2326.16,"end":2326.66,"sentiment":"neutral","sentiment_score":-0.0787142887711525},{"text":"No.","start":2326.72,"end":2327.22,"sentiment":"neutral","sentiment_score":-0.09789596498012544}],"sentiment":"neutral","sentiment_score":-0.09714775151856568,"num_words":23,"start":2317.76,"end":2327.22},{"sentences":[{"text":"So no.","start":2330.115,"end":2341.395,"sentiment":"neutral","sentiment_score":-0.08891454339027406},{"text":"It's okay.","start":2341.395,"end":2342.135,"sentiment":"neutral","sentiment_score":-0.08683875948190689},{"text":"Go go back to page 22.","start":2343.42,"end":2346.0,"sentiment":"neutral","sentiment_score":-0.011549574633439382},{"text":"Yep.","start":2352.54,"end":2352.8599,"sentiment":"neutral","sentiment_score":0.13403141498565674},{"text":"That's 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yeah.","start":2475.2651,"end":2476.225,"sentiment":"neutral","sentiment_score":0.004297034814953804},{"text":"Exactly.","start":2476.225,"end":2476.725,"sentiment":"neutral","sentiment_score":-0.01444552093744278}],"sentiment":"neutral","sentiment_score":0.0028400893788784742,"num_words":8,"start":2452.8699,"end":2476.725},{"sentences":[{"text":"So you run out of money at age 84 ish.","start":2476.7852,"end":2480.43,"sentiment":"neutral","sentiment_score":-0.13050843495875597},{"text":"At 85, you run out of money, but that's just your super.","start":2480.43,"end":2485.65,"sentiment":"neutral","sentiment_score":-0.11473867172996204},{"text":"Right.","start":2487.39,"end":2487.89,"sentiment":"neutral","sentiment_score":0.11448526382446288},{"text":"Yep.","start":2492.175,"end":2492.675,"sentiment":"neutral","sentiment_score":0.035440754145383835},{"text":"That's some money.","start":2494.095,"end":2495.075,"sentiment":"neutral","sentiment_score":-0.038197070360183716}],"sentiment":"neutral","sentiment_score":-0.09802272605399291,"num_words":27,"start":2476.7852,"end":2495.075},{"sentences":[{"text":"Yeah.","start":2495.5352,"end":2496.0352,"sentiment":"neutral","sentiment_score":-0.051580674946308136},{"text":"Yeah.","start":2496.175,"end":2496.675,"sentiment":"neutral","sentiment_score":-0.14157789945602417},{"text":"No.","start":2499.855,"end":2500.095,"sentiment":"neutral","sentiment_score":-0.11601078510284424},{"text":"That's yeah.","start":2500.095,"end":2500.815,"sentiment":"neutral","sentiment_score":-0.0317284669727087},{"text":"Exactly right.","start":2500.815,"end":2501.375,"sentiment":"neutral","sentiment_score":0.24984167516231537}],"sentiment":"neutral","sentiment_score":0.018151008124862398,"num_words":7,"start":2495.5352,"end":2501.375},{"sentences":[{"text":"That's exactly right.","start":2501.375,"end":2502.095,"sentiment":"neutral","sentiment_score":0.30749692519505817},{"text":"No.","start":2502.095,"end":2502.2551,"sentiment":"neutral","sentiment_score":-0.05903932452201843},{"text":"It's good good to do it this way because then everything else is an upside.","start":2502.2551,"end":2505.215,"sentiment":"neutral","sentiment_score":0.07951801071564356},{"text":"Right?","start":2505.215,"end":2505.455,"sentiment":"neutral","sentiment_score":0.06938879936933517},{"text":"So, I mean, if money suddenly lands on the table, then we can we can make have a discussion about what that what we do with that at that time.","start":2505.455,"end":2512.75,"sentiment":"neutral","sentiment_score":-0.00039179945985476177}],"sentiment":"neutral","sentiment_score":0.042277128547430036,"num_words":50,"start":2501.375,"end":2512.75},{"sentences":[{"text":"And then 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pension?","start":2598.0999,"end":2605.615,"sentiment":"neutral","sentiment_score":0.16000776308087203},{"text":"Okay.","start":2620.37,"end":2620.87,"sentiment":"neutral","sentiment_score":0.1479184925556183},{"text":"Okay.","start":2626.585,"end":2626.905,"sentiment":"neutral","sentiment_score":0.1206689476966858}],"sentiment":"neutral","sentiment_score":0.13789868575555306,"num_words":54,"start":2589.78,"end":2626.905},{"sentences":[{"text":"Okay.","start":2626.905,"end":2627.405,"sentiment":"neutral","sentiment_score":0.08729249238967896},{"text":"Okay.","start":2627.945,"end":2628.445,"sentiment":"neutral","sentiment_score":0.08258713781833649},{"text":"So things are pretty easy when you're my age.","start":2629.065,"end":2631.165,"sentiment":"neutral","sentiment_score":0.14083229419257906},{"text":"It sounds like the only advantage of being my 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just gonna go to your site.","start":2937.7449,"end":2939.285,"sentiment":"neutral","sentiment_score":-0.07675883599690028}],"sentiment":"neutral","sentiment_score":-0.05779346383430741,"num_words":11,"start":2871.66,"end":2939.285},{"sentences":[{"text":"Yep.","start":2939.505,"end":2940.005,"sentiment":"neutral","sentiment_score":0.0031099854968488216},{"text":"Yep.","start":2942.065,"end":2942.3848,"sentiment":"neutral","sentiment_score":0.09723328053951263},{"text":"That's fine.","start":2942.3848,"end":2943.285,"sentiment":"neutral","sentiment_score":0.30910149216651917},{"text":"No.","start":2950.1199,"end":2950.44,"sentiment":"neutral","sentiment_score":0.018056973814964294},{"text":"I'm I'm I'm pretty relaxed.","start":2950.44,"end":2952.1199,"sentiment":"neutral","sentiment_score":0.10490167886018753}],"sentiment":"neutral","sentiment_score":0.12611116184853016,"num_words":10,"start":2939.505,"end":2952.1199},{"sentences":[{"text":"A lot of this stuff doesn't bother me.","start":2952.1199,"end":2953.64,"sentiment":"neutral","sentiment_score":0.23893110919743776},{"text":"So alright.","start":2953.64,"end":2957.16,"sentiment":"positive","sentiment_score":0.45320482552051544},{"text":"So what do you need now to move forward?","start":2957.16,"end":2962.6199,"sentiment":"neutral","sentiment_score":0.27539731396569145},{"text":"Because obviously obviously, the sooner we do this, the 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now I think we spoke when we last spoke, you told what your fees were?","start":3069.3801,"end":3074.2002,"sentiment":"neutral","sentiment_score":0.03142517199739814},{"text":"Why are you laughing?","start":3076.5,"end":3077.4001,"sentiment":"neutral","sentiment_score":-0.3210729956626892}],"sentiment":"neutral","sentiment_score":-0.01989649333383726,"num_words":23,"start":3064.26,"end":3077.4001},{"sentences":[{"text":"Hey.","start":3081.595,"end":3082.075,"sentiment":"neutral","sentiment_score":-0.04794836789369583},{"text":"Yeah.","start":3082.075,"end":3082.575,"sentiment":"neutral","sentiment_score":-0.02245701290667057},{"text":"That's alright.","start":3086.315,"end":3086.875,"sentiment":"neutral","sentiment_score":-0.04562625661492348},{"text":"No.","start":3086.875,"end":3087.115,"sentiment":"neutral","sentiment_score":-0.2027827501296997},{"text":"Well, we did we covered.","start":3087.115,"end":3088.2349,"sentiment":"neutral","sentiment_score":-0.05206022933125496}],"sentiment":"neutral","sentiment_score":-0.062474179081618786,"num_words":10,"start":3081.595,"end":3088.2349},{"sentences":[{"text":"It was 1.5 or something.","start":3088.2349,"end":3089.515,"sentiment":"neutral","sentiment_score":-0.024156137928366662},{"text":"Is that right?","start":3089.515,"end":3090.255,"sentiment":"neutral","sentiment_score":-0.006576738630731902},{"text":"Alright.","start":3090.555,"end":3091.055,"sentiment":"neutral","sentiment_score":0.009166433475911616},{"text":"One point $6.05.","start":3092.06,"end":3093.34,"sentiment":"neutral","sentiment_score":0.009642354833583036},{"text":"Ongoing.","start":3093.34,"end":3093.82,"sentiment":"neutral","sentiment_score":0.00877397321164608}],"sentiment":"neutral","sentiment_score":-0.007203341103517092,"num_words":13,"start":3088.2349,"end":3093.82},{"sentences":[{"text":"So what does that what does that mean?","start":3093.82,"end":3095.52,"sentiment":"neutral","sentiment_score":-0.019321818836033344},{"text":"Literally.","start":3096.62,"end":3097.12,"sentiment":"neutral","sentiment_score":-0.013097424060106276},{"text":"So in dollar in dollar figures.","start":3097.42,"end":3100.32,"sentiment":"neutral","sentiment_score":0.000319960837562879},{"text":"Yeah.","start":3100.3801,"end":3100.8801,"sentiment":"neutral","sentiment_score":0.024261342361569405},{"text":"What?","start":3104.7,"end":3105.02,"sentiment":"neutral","sentiment_score":-0.0003495854325592518}],"sentiment":"neutral","sentiment_score":-0.008343556046705036,"num_words":17,"start":3093.82,"end":3105.02},{"sentences":[{"text":"Per year?","start":3105.02,"end":3105.675,"sentiment":"neutral","sentiment_score":-0.0005756914615631105},{"text":"Yep.","start":3110.395,"end":3110.895,"sentiment":"neutral","sentiment_score":0.06972014904022217},{"text":"Yep.","start":3113.7551,"end":3114.2551,"sentiment":"neutral","sentiment_score":0.06201968714594841},{"text":"So and you just send me a bill when I pay.","start":3114.955,"end":3118.555,"sentiment":"neutral","sentiment_score":0.023969318887049503},{"text":"Is that right?","start":3118.555,"end":3119.195,"sentiment":"neutral","sentiment_score":0.023616946302354336}],"sentiment":"neutral","sentiment_score":0.02583898888486955,"num_words":18,"start":3105.02,"end":3119.195},{"sentences":[{"text":"Or or does it come comes out of the super fund.","start":3119.195,"end":3123.47,"sentiment":"neutral","sentiment_score":-0.008919640867547556},{"text":"So which virtually means it's being salary sacrificed.","start":3123.85,"end":3126.6501,"sentiment":"neutral","sentiment_score":-0.0466168955899775},{"text":"Right?","start":3126.6501,"end":3127.1501,"sentiment":"neutral","sentiment_score":0.021718956530094147},{"text":"Okay.","start":3128.4102,"end":3128.9102,"sentiment":"neutral","sentiment_score":0.04090828821063042},{"text":"Yeah.","start":3129.61,"end":3130.11,"sentiment":"neutral","sentiment_score":0.05943137407302856}],"sentiment":"neutral","sentiment_score":-0.015863299793140453,"num_words":22,"start":3119.195,"end":3130.11},{"sentences":[{"text":"Yeah.","start":3130.1702,"end":3130.6501,"sentiment":"neutral","sentiment_score":0.05652866885066032},{"text":"Because I do that because the other thing I can do is that you can actually sell it out on point.","start":3130.6501,"end":3134.81,"sentiment":"neutral","sentiment_score":-0.09864122172196706},{"text":"We're living super funds, so it's irrelevant.","start":3134.81,"end":3136.49,"sentiment":"neutral","sentiment_score":-0.13528288262231009},{"text":"It doesn't matter.","start":3136.49,"end":3137.585,"sentiment":"neutral","sentiment_score":-0.10024556517601013},{"text":"Yeah.","start":3137.585,"end":3137.7449,"sentiment":"neutral","sentiment_score":0.06180531159043312}],"sentiment":"neutral","sentiment_score":-0.09699541059407321,"num_words":33,"start":3130.1702,"end":3137.7449},{"sentences":[{"text":"So if the pay comes out of the super fund, that's fine because that means it's basically salary sacrifice.","start":3137.7449,"end":3142.4648,"sentiment":"neutral","sentiment_score":0.12257110915685955},{"text":"So we're only paying, you know, the the the 15% on it.","start":3142.4648,"end":3146.565,"sentiment":"neutral","sentiment_score":0.02518421970307827},{"text":"Oh, sorry.","start":3149.3699,"end":3150.0098,"sentiment":"neutral","sentiment_score":-0.09016335755586624},{"text":"No.","start":3150.0098,"end":3150.25,"sentiment":"neutral","sentiment_score":-0.23279249668121335},{"text":"I'm getting the tax benefit on.","start":3150.25,"end":3151.93,"sentiment":"neutral","sentiment_score":-0.12259124095241229}],"sentiment":"neutral","sentiment_score":0.03705987632274628,"num_words":40,"start":3137.7449,"end":3151.93},{"sentences":[{"text":"It's reducing my reducing my salary.","start":3151.93,"end":3154.19,"sentiment":"neutral","sentiment_score":-0.13686424493789673},{"text":"Yeah.","start":3156.3298,"end":3156.49,"sentiment":"neutral","sentiment_score":0.05888262391090393},{"text":"There we are.","start":3156.49,"end":3157.39,"sentiment":"neutral","sentiment_score":0.05265258252620697},{"text":"And then on the other side of the relationship, you get fees on the investments?","start":3158.0898,"end":3162.75,"sentiment":"neutral","sentiment_score":0.007233135091761748},{"text":"Okay.","start":3185.76,"end":3186.26,"sentiment":"neutral","sentiment_score":-0.10918229073286057}],"sentiment":"neutral","sentiment_score":-0.023270398557472687,"num_words":26,"start":3151.93,"end":3186.26},{"sentences":[{"text":"You you don't do that.","start":3191.0552,"end":3192.5151,"sentiment":"neutral","sentiment_score":-0.04081474244594574},{"text":"Sounds sounds like it works for the government.","start":3193.7751,"end":3195.455,"sentiment":"positive","sentiment_score":0.4458976611495018},{"text":"Alright.","start":3195.455,"end":3195.955,"sentiment":"neutral","sentiment_score":0.14898869395256042},{"text":"Okay.","start":3199.455,"end":3199.955,"sentiment":"neutral","sentiment_score":0.10373550653457642},{"text":"Yes, 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flick you an email.","start":3291.8,"end":3294.44,"sentiment":"neutral","sentiment_score":0.06806537339633162},{"text":"It's probably the easiest way.","start":3294.44,"end":3295.9001,"sentiment":"neutral","sentiment_score":0.14336824119091035},{"text":"I do wanna share this with with David, my accountant.","start":3297.895,"end":3300.875,"sentiment":"positive","sentiment_score":0.38416325449943545},{"text":"So just let him know what's happening so he's aware.","start":3300.9348,"end":3303.835,"sentiment":"neutral","sentiment_score":0.2375936970114708},{"text":"And if he's got any questions, then I'll I'll share those to you as 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if are there ways as I as I think about the mortgage, are are there ways that I should be structuring that?","start":3348.37,"end":3354.79,"sentiment":"neutral","sentiment_score":0.02756397604294445},{"text":"Yeah.","start":3356.645,"end":3357.045,"sentiment":"neutral","sentiment_score":0.016988452523946762},{"text":"Is it or is it just it's just a matter of yeah.","start":3357.045,"end":3364.105,"sentiment":"neutral","sentiment_score":0.014318937280525764},{"text":"Yeah.","start":3367.045,"end":3367.545,"sentiment":"neutral","sentiment_score":0.04688680917024613}],"sentiment":"neutral","sentiment_score":0.023913264323614146,"num_words":38,"start":3347.65,"end":3367.545},{"sentences":[{"text":"Yep.","start":3373.74,"end":3373.9,"sentiment":"neutral","sentiment_score":0.04624957963824272},{"text":"Yep.","start":3373.9,"end":3374.4,"sentiment":"neutral","sentiment_score":0.03784797713160515},{"text":"Yep.","start":3377.74,"end":3378.24,"sentiment":"neutral","sentiment_score":0.01824614778161049},{"text":"Okay.","start":3378.5398,"end":3379.0398,"sentiment":"neutral","sentiment_score":0.0008696080185472965},{"text":"Okay.","start":3380.5398,"end":3381.0398,"sentiment":"neutral","sentiment_score":0.0037357760593295097}],"sentiment":"neutral","sentiment_score":0.02138981772586703,"num_words":5,"start":3373.74,"end":3381.0398},{"sentences":[{"text":"Okay.","start":3381.74,"end":3382.22,"sentiment":"neutral","sentiment_score":0.052159205079078674},{"text":"Okay.","start":3382.22,"end":3382.72,"sentiment":"neutral","sentiment_score":0.07901067286729813},{"text":"Alright.","start":3383.9348,"end":3384.4348,"sentiment":"neutral","sentiment_score":0.1926443427801132},{"text":"Sounds 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good.","start":3401.82,"end":3402.7,"sentiment":"positive","sentiment_score":0.799707904458046}],"sentiment":"positive","sentiment_score":0.5615699075990253,"num_words":9,"start":3394.335,"end":3402.7},{"sentences":[{"text":"I appreciate that.","start":3402.7,"end":3403.76,"sentiment":"positive","sentiment_score":0.7439333200454712},{"text":"And and really, the conversation you and I had, what was it, week or two ago, was great because it because it actually, obviously, sparked the the the conversation I had with my account about the putting that money into super fund, which, god, I was paying for to get it out of Latrobe.","start":3404.46,"end":3421.585,"sentiment":"neutral","sentiment_score":0.12688395546542275},{"text":"I had to pay 1 and a half thousand dollars to get it out of Latrobe.","start":3421.585,"end":3424.2449,"sentiment":"neutral","sentiment_score":0.017681576195172966},{"text":"And then and then it was, you know, trying to get the super fund to accept the payment quickly or or getting on the tribe to give us the money quickly because we only said twenty four hours to to get it into the fund.","start":3426.24,"end":3440.18,"sentiment":"neutral","sentiment_score":0.036100494323505296},{"text":"But we made it.","start":3440.885,"end":3441.765,"sentiment":"neutral","sentiment_score":0.09291232377290726}],"sentiment":"neutral","sentiment_score":0.09313615011509324,"num_words":122,"start":3402.7,"end":3441.765},{"sentences":[{"text":"So it was good.","start":3441.765,"end":3442.645,"sentiment":"neutral","sentiment_score":0.13352236151695251},{"text":"So had had you hey hey, you and I had that conversation twenty four hours later, it wouldn't have worked.","start":3442.645,"end":3447.4648,"sentiment":"neutral","sentiment_score":-0.000497831404209137},{"text":"So yeah.","start":3448.085,"end":3452.6548,"sentiment":"neutral","sentiment_score":0.13446751981973648},{"text":"Good in the end.","start":3452.6548,"end":3453.3748,"sentiment":"positive","sentiment_score":0.4198015108704567},{"text":"Thank you.","start":3453.3748,"end":3454.035,"sentiment":"positive","sentiment_score":0.4477081447839737}],"sentiment":"neutral","sentiment_score":0.10524031845852733,"num_words":32,"start":3441.765,"end":3454.035},{"sentences":[{"text":"Alright.","start":3454.255,"end":3454.755,"sentiment":"neutral","sentiment_score":0.32926297187805176},{"text":"That's great.","start":3454.815,"end":3455.295,"sentiment":"positive","sentiment_score":0.5383759140968323},{"text":"Thanks for your time, Lisa.","start":3455.295,"end":3456.1748,"sentiment":"positive","sentiment_score":0.6196484804153443},{"text":"Appreciate it.","start":3456.1748,"end":3457.1548,"sentiment":"positive","sentiment_score":0.5042329281568527},{"text":"Okay.","start":3458.5747,"end":3459.0747,"sentiment":"neutral","sentiment_score":0.05811444669961929}],"sentiment":"positive","sentiment_score":0.5064397731965239,"num_words":11,"start":3454.255,"end":3459.0747},{"sentences":[{"text":"Okay.","start":3459.3748,"end":3459.8748,"sentiment":"neutral","sentiment_score":0.0683511346578598},{"text":"Ciao.","start":3459.9348,"end":3460.4348,"sentiment":"neutral","sentiment_score":0.11040779948234558},{"text":"Bye.","start":3460.8948,"end":3461.3948,"sentiment":"neutral","sentiment_score":0.07116374373435974},{"text":"Bye.","start":3461.4548,"end":3461.9548,"sentiment":"neutral","sentiment_score":0.048275113105773926}],"sentiment":"neutral","sentiment_score":0.07454944774508476,"num_words":4,"start":3459.3748,"end":3461.9548}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Mark Wallace.\n\nChannel 0: Hi,\n\nChannel 1: Hello?\n\nChannel 0: Mark. Hi, Mark. It's Larissa from Mercury Financial.\n\nChannel 1: Hey.\n\nChannel 0: How are you going?\n\nChannel 1: Good. How are you?\n\nChannel 0: Not too bad. I quickly grabbed a bite to eat before I gave you a call. Otherwise, it was gonna be too late.\n\nChannel 1: That's alright. It's fine.\n\nChannel 0: The day has run away from me.\n\nChannel 1: Yeah. Now it's gone. Almost gone, isn't it?\n\nChannel 0: Yeah. That's okay. So is the month. That's that's alright. How have you\n\nChannel 1: Yeah.\n\nChannel 0: been?\n\nChannel 1: Been good. Been good.\n\nChannel 0: Yep.\n\nChannel 1: Did you get the message regarding Superfund? So\n\nChannel 0: Which one?\n\nChannel 1: we deposited funds in the Superfund?\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Okay.\n\nChannel 0: Yes. Yes. I\n\nChannel 1: Had\n\nChannel 0: did\n\nChannel 1: to had\n\nChannel 0: say.\n\nChannel 1: to do that because the cutoff was the eighteenth.\n\nChannel 0: Yes. The p a s p or double double\n\nChannel 1: Yeah.\n\nChannel 0: p a s p. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. I yes. I did I did see\n\nChannel 1: Okay.\n\nChannel 0: that email.\n\nChannel 1: Cool.\n\nChannel 0: So I pivoted, and and I incorporated that into the advice based on the amount that you\n\nChannel 1: Right.\n\nChannel 0: put in.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then just kind of it didn't really change too too much. It just, I guess,\n\nChannel 1: Not.\n\nChannel 0: changed what I was doing for the year versus everything else,\n\nChannel 1: Yep. Yep.\n\nChannel 0: but that's okay.\n\nChannel 1: Okay. Cool.\n\nChannel 0: So two, I guess I should open as well. I've emailed you with the statement of advice so that way we can go through it together.\n\nChannel 1: Okay. Let me just grab my other computer. Okay. Got\n\nChannel 0: Cool.\n\nChannel 1: it.\n\nChannel 0: Alright. Well, before we jump into it, I guess, too much, I should let you\n\nChannel 1: Mhmm.\n\nChannel 0: know that our calls are recorded if you're okay with that. Oh, shit. Alright. So, basically, the the the document has a whole details, I guess, the conversations we went through and then the outcomes to all the research that I put together.\n\nChannel 1: Yes.\n\nChannel 0: Now we obviously talked about a a number of a number of different things. Mainly focus like, the main focus of this advice document is on, like, your superannuation, the retirement strategies, and where that kind of comes to play.\n\nChannel 1: Yes.\n\nChannel 0: We obviously did speak about possible inheritance coming through in the future that was disregarded because time frames.\n\nChannel 1: Yep. Yep. We're done. Yeah. That's right.\n\nChannel 0: And I did consider the age pension. However, things do possibly\n\nChannel 1: Sure.\n\nChannel 0: change with the inheritance coming through. So I haven't put any sort of, I guess, Centrelink or age pension considerations in this document because we do have the expected change that will occur within\n\nChannel 1: Yep.\n\nChannel 0: the next five years or so.\n\nChannel 1: Yep.\n\nChannel 0: And then, obviously, the house is happening and you guys are building that, and we don't know exactly what the mortgage looks like as yet. So any sort of debt repayment strategies, I can't consider until we have the mortgage.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So what I looked at was tax effectiveness and growth. So one of the goals you had was you were sort of looking at trying to double the the projected balance that you had had sort of looked at. You were looking at sort of at about 2\n\nChannel 1: Yep.\n\nChannel 0: $100,000. When I went and had a look at, you know, projecting out where your current position sat, I had the same sort of outcome. I think it started at 203 ish.\n\nChannel 1: Yep.\n\nChannel 0: So same sort of outcome on on that front.\n\nChannel 1: Yep.\n\nChannel 0: And, obviously, taking into consideration the fact that you do want to expand and increase to about that $400,000 mark.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you've currently already put money into your PSAP fund\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: to the amount of $70.\n\nChannel 1: It's $77.70\n\nChannel 0: Yeah. 77\n\nChannel 1: seventy\n\nChannel 0: and\n\nChannel 1: seven\n\nChannel 0: a half.\n\nChannel 1: and a half. Yep.\n\nChannel 0: Yeah. Now, generally speaking, that money would have landed as a non concessional contribution\n\nChannel 1: Mhmm.\n\nChannel 0: and will require what's called a notice of intent to claim to be\n\nChannel 1: That's\n\nChannel 0: submitted\n\nChannel 1: right.\n\nChannel 0: alongside it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now what that will do is that will convert that those funds from a taxable component into a tax free component.\n\nChannel 1: Yes.\n\nChannel 0: You you have sorry. Other way around. Tax free component into a taxable, and the super fund will tax it,\n\nChannel 1: That's\n\nChannel 0: which\n\nChannel 1: right.\n\nChannel 0: enables you to then claim those funds back on your tax return.\n\nChannel 1: That's right.\n\nChannel 0: So from a tax perspective, it's going to reduce your taxable income quite considerably this financial year, and we'll give you a bit of tax back when you do submit your tax return, which is fun. With respect to the contribution made, I wanted to confirm because I have drawn up a notice of intent to claim form for you to help you out. Have you\n\nChannel 1: Yep.\n\nChannel 0: at all submitted that form with p, double f, a p yet?\n\nChannel 1: No. No.\n\nChannel 0: Cool.\n\nChannel 1: I wasn't\n\nChannel 0: Well,\n\nChannel 1: gonna do that till the New Year.\n\nChannel 0: yeah, it's 06/01 half, not the other. Like, you can you have twelve months after the end of the financial year to submit it.\n\nChannel 1: That's right. Yep.\n\nChannel 0: So it's not an issue either either way time frame wise. So as the money's in, it can be converted at any point.\n\nChannel 1: Yep.\n\nChannel 0: But I've drafted that up for you to to help you out because it's\n\nChannel 1: But\n\nChannel 0: a\n\nChannel 1: does\n\nChannel 0: not\n\nChannel 1: that\n\nChannel 0: that it's a pain, but it's a\n\nChannel 1: no.\n\nChannel 0: bit of a document.\n\nChannel 1: No. No. I know. And it does that does it need to go does it know some intent need to happen before the tax is completed or\n\nChannel 0: Yes.\n\nChannel 1: does it happen at the same time?\n\nChannel 0: No. So you need to submit the notice of intent to claim document to the Superfund first\n\nChannel 1: Yep.\n\nChannel 0: before you submit your tax return. And then what\n\nChannel 1: Okay.\n\nChannel 0: the Superfund does is, basically, they give you a receipt,\n\nChannel 1: Yep. Perfect.\n\nChannel 0: and you take that receipt to your account until when you do your tax return,\n\nChannel 1: Perfect.\n\nChannel 0: and it works\n\nChannel 1: Yep.\n\nChannel 0: with any kind of deduction,\n\nChannel 1: Okay.\n\nChannel 0: basically.\n\nChannel 1: Yep. That's good. That's good. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: I mean, look look, we we we know that over the last couple of years, we've probably got a bit of a tax bill because we've been generating a bit of interest on the cash we've had in the bank or\n\nChannel 0: Yes.\n\nChannel 1: in our, you know, savings. So, you know, that that that bit of tax benefit is gonna help offset those costs. So, you know,\n\nChannel 0: Yeah.\n\nChannel 1: it's it's not gonna flow through to cash for us. It's probably gonna get gobbled up in dealing with tax.\n\nChannel 0: Yes and no. Like, I understand that that, like, you have had considerable interest incurred, like, especially, like, the million dollars sitting in\n\nChannel 1: Yep. That's what\n\nChannel 0: in\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: talking\n\nChannel 0: term\n\nChannel 1: about. There's been\n\nChannel 0: yeah.\n\nChannel 1: there's been sort of, you know, anything from sort of 1.4 to 1,200,000 sitting in those in that that those in various accounts for the last couple of years. So we know there's gonna be a bit of a bit of tax to pay. There's a couple of returns that need to be completed. So and then our\n\nChannel 0: Right.\n\nChannel 1: account's under that. So it's a and, you know, we're we're not we're we're a bit behind, but that's okay.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Not\n\nChannel 0: know that\n\nChannel 1: not certainly we typically rush into completing tax returns\n\nChannel 0: not\n\nChannel 1: because\n\nChannel 0: something\n\nChannel 1: we've\n\nChannel 0: you\n\nChannel 1: never\n\nChannel 0: wanna\n\nChannel 1: really been\n\nChannel 0: do.\n\nChannel 1: in a no. It's never we're never we're never really in a position to benefit from from a tax return. So it's not not high on the priority list, but but he knows that we need to get it done because I I I have to squeak and clean on that end for work. So he's he's on to that now. So he's just wanting to get rid of his sort of end of the year backlog and then he'll jump onto us.\n\nChannel 0: Yeah.\n\nChannel 1: So I expect, you know, by the end of July, we'll probably have some tax returns to to drop in the into the system.\n\nChannel 0: Yeah. And deal with as well. No. That that's\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: absolutely\n\nChannel 1: No.\n\nChannel 0: okay. The the good thing is is that everything's pretty much, like, sitting in your wife's name.\n\nChannel 1: Yes. That's right.\n\nChannel 0: So your so you personally, you will actually get a return like, a a refund. It's just\n\nChannel 1: Yep.\n\nChannel 0: your wife's gonna get hit with the tax,\n\nChannel 1: That's right.\n\nChannel 0: which I\n\nChannel 1: Someone\n\nChannel 0: understand it's all and all the same. But\n\nChannel 1: yeah. Yeah. Exactly. And, you know, I'm hopeful that to a large extent because I've been p a y e for the last four years that, you know, there'll be a bit of tax coming back off my off my income anyway, coming back. And then plus this contribution is gonna dish us up about, I don't know, 10 or $12,000.\n\nSo we might we might be able to square everything off. Never\n\nChannel 0: Yeah. It\n\nChannel 1: know. Like it lucky.\n\nChannel 0: well, it should I mean, depending on how much interest has obviously been accumulated on your wife's side, it will give you a a a definite ability to move forward and and depending on how much your wife has accumulated in tax, your outcome should actually give you quite a bit of a return.\n\nChannel 1: Yep. Yeah. That's that's that's my that's my heart.\n\nChannel 0: Because realistically speaking, your taxable income because you you earn a 102,000. Your taxable income's going to drop down quite considerably this financial year because you've contributed the 77,000,\n\nChannel 1: Mhmm.\n\nChannel 0: which means that you're going to get quite a bit back because the tax that you should have paid is quite minimal in comparison to what you have paid. So you should be paying about $300 in tax for the year. What you've actually paid is about $23,000 of tax for the year.\n\nChannel 1: But it just doesn't the I thought the 77 and a half thousand dollars that we put into super, I thought that goes into the super. The super fund will tax it at 15%, and the difference\n\nChannel 0: Right.\n\nChannel 1: between what I've paid on that 77 and a half thousand dollars and the 15% is what I get back.\n\nChannel 0: Yes. No. Not\n\nChannel 1: Because\n\nChannel 0: not\n\nChannel 1: that,\n\nChannel 0: quite.\n\nChannel 1: in my head, that works out to about sort of 10 or $12,000.\n\nChannel 0: So the Superfund pays tax. So, basically, for the next little bit, there'll be\n\nChannel 1: Yep.\n\nChannel 0: a double amount of tax that's been paid,\n\nChannel 1: Yep.\n\nChannel 0: and then you get your marginal rate back. So it ends up being, like, if you consider the tax all around, then, yes, the difference is about that that 10 to 12.\n\nChannel 1: Yep.\n\nChannel 0: But because the the Superfund has to pay the Superfund tax, so it pays the 15%. So out of the 77 and a half thousand dollars, like, the Superfund pays, you know, that 15%, which ends up being sort of $11.06 25.\n\nChannel 1: Yep.\n\nChannel 0: And it will pay it from its own\n\nChannel 1: Yep.\n\nChannel 0: pool of money.\n\nChannel 1: Yep.\n\nChannel 0: And then from there, you get your marginal rate back.\n\nChannel 1: Yep.\n\nChannel 0: So you you end up in the hand with that 20.\n\nChannel 1: Oh, you say you get all of the margin right back, not\n\nChannel 0: Yeah.\n\nChannel 1: just the differential?\n\nChannel 0: No. But when you calculate it and you look at taxes paid, then the the difference is sort of that, you know, $10. But in\n\nChannel 1: Oh,\n\nChannel 0: the hands,\n\nChannel 1: okay.\n\nChannel 0: you'll end up with\n\nChannel 1: Oh,\n\nChannel 0: it\n\nChannel 1: okay.\n\nChannel 0: all back.\n\nChannel 1: Oh,\n\nChannel 0: Yeah.\n\nChannel 1: okay. Oh, okay. I thought sorry. I thought I thought I would get the difference between my marginal rate and the 15%, but you're saying I get the whole marginal versus the whole marginal rate back.\n\nChannel 0: Yeah. Because otherwise\n\nChannel 1: Okay.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: what it does is it physically reduces\n\nChannel 1: Yeah.\n\nChannel 0: your taxable income.\n\nChannel 1: Alright.\n\nChannel 0: Now,\n\nChannel 1: Okay.\n\nChannel 0: obviously, if you've got income from other sources, which you don't because your only income source is the 100 and\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: right.\n\nChannel 0: $100,\n\nChannel 1: Yep.\n\nChannel 0: because all of the assets, bank accounts, and everything else is\n\nChannel 1: Yep.\n\nChannel 0: in Linda's\n\nChannel 1: In this\n\nChannel 0: name.\n\nChannel 1: day. That's right.\n\nChannel 0: So you don't incur any additional taxes, not pushing you over any of the caps or anything like that.\n\nChannel 1: Yeah.\n\nChannel 0: You're gonna get all of it back, and from that $20, you're gonna be able to then\n\nChannel 1: Okay.\n\nChannel 0: go in well, I mean, Linda pays Linda's bill, really. And,\n\nChannel 1: Yep.\n\nChannel 0: hopefully\n\nChannel 1: That's all that's what I'll do.\n\nChannel 0: hopefully, end up still in the green\n\nChannel 1: Yeah. Hopefully.\n\nChannel 0: or in the black, I should say.\n\nChannel 1: Might might not. Might not. We'll see how we get there.\n\nChannel 0: See see how many years. It kind of add up.\n\nChannel 1: Yeah. I'm\n\nChannel 0: How\n\nChannel 1: a\n\nChannel 0: many\n\nChannel 1: cook yeah.\n\nChannel 0: tax\n\nChannel 1: Right?\n\nChannel 0: returns\n\nChannel 1: I could\n\nChannel 0: do you have?\n\nChannel 1: I could calculate. I think there's two. I think there's two\n\nChannel 0: Okay.\n\nChannel 1: sitting there. So there's a couple of years. So there'll be a bit I mean, there's, you know, there'll be a bit out of the out of the prior years as well that needs to be picked up. So there'll be a bit of money coming back from those. And then, obviously, this year, they'll be they'll be a good whack.\n\nSo yeah. Look what we'll we'll see. I mean, I think, you know, I might be able to wash his face, which would be great. If that happened, that'd be terrific.\n\nChannel 0: Yeah.\n\nChannel 1: You know, because it's it's that's that will that will help significantly. Obviously. Okay. That's good. So I understand that now.\n\nThank you for explaining that. Appreciate\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: okay. So that that money's already in. We just need to submit the notice of intent to claim, which, realistically, we can't we just submit just before you go and sit down with your accountant.\n\nChannel 1: Okay.\n\nChannel 0: So yeah. Now outside of that, there's sort of about three or four pages worth of information on on making that contribution and the tax savings and all the rest of the stuff.\n\nChannel 1: Yes.\n\nChannel 0: We I've then made some recommendations based on getting the goals that we're wanting to achieve. So looking at how we can achieve the 400,000 in your super looking, you know, and above. Looking at how we can ultimately grow the funds you have, be tax effective, and hit all the points.\n\nChannel 1: Mhmm.\n\nChannel 0: I looked at PSAT. The investment\n\nChannel 1: Yep.\n\nChannel 0: offerings under the fund are really limited, and I was pretty\n\nChannel 1: Yep.\n\nChannel 0: not disappointed. Like, I've dealt with the fund before. A lot of the funds are like that, but I was pretty locked on what was accessible under that fund. Due to that and the historical returns, I've actually looked at another fund and going into what's called hub twenty four.\n\nChannel 1: Good.\n\nChannel 0: I did look at quite a number of different super funds\n\nChannel 1: Mhmm.\n\nChannel 0: to see what would best work. Hub twenty four worked out from a fees point of view, the fact that they aggregate trade, which means that they trade internally rather than always going to the open market. So it keeps your trading and your your buy sell costs a lot lower. And the platform is really intuitive from a a clientele point of view as well. So transparent, you being able to see, you know, what's happening, what trades are happening, what's\n\nChannel 1: Good.\n\nChannel 0: being bought and sold, and where everything's moving. So it works really nicely for for you as well. Now\n\nChannel 1: Yep.\n\nChannel 0: what I'm ultimately recommending is that we do a full consolidation from PWSA pay over to Hub twenty four. Now we will only complete that once you submitted the notice of intent to claim. The reason for that is is the notice of intent to claim actually has to be submitted on the funds that you make the contribution to. If\n\nChannel 1: Yep.\n\nChannel 0: you don't submit it to the funds that you've made the contribution to, you lose the ability to claim that.\n\nChannel 1: Yep.\n\nChannel 0: So based on the amount that you've made, we're not gonna trigger any rollovers until you have 100% made that claim and until you have that receipt in hand. And as I said, that that notes of intent can be submitted at any time.\n\nChannel 1: Right.\n\nChannel 0: Now under Hub 24, we'll then invest it into a portfolio that I've built. I'll go through the portfolio with you in a second. But what we would do is we would obviously redirect your employer contributions over to Hub twenty four as well.\n\nChannel 1: So what's the sorry. What's the advantage of of taking it out of the Gilman Fund?\n\nChannel 0: The investment options that are offered under PSAP are really limited. So you don't have the ability to diversify in asset holdings as much as what you do under and, like, other funds, but in this specific instance, Hub twenty four. So Hub twenty four allow us to invest in a bunch of different assets under available under market. Now we, internally, we don't invest in anything that's risky. We invest in, you know, exchange trade funds or managed funds that are guaranteed and backed.\n\nSo when we do our research, we only offer investment grade or above investments. So we don't we don't invest in anything that's risky or anything that's new to market. We wanna make sure that we're obviously popping our clients into investments that are going to be beneficial to them long term, especially when we talk about superannuation. Now PWSA pay only have a very limited investment offering. So they have their multi asset offerings, and that's all they really offer.\n\nThere's no other ability to diversify out, and the returns that I was finding under PWSA pay just weren't gonna hit the mark for what you wanted to get.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: And\n\nChannel 0: that's why\n\nChannel 1: who\n\nChannel 0: I looked\n\nChannel 1: who\n\nChannel 0: at moving.\n\nChannel 1: who is who is Hub twenty four? Never heard\n\nChannel 0: Yeah. So no. That's okay. Hub twenty four, just like any\n\nChannel 1: of\n\nChannel 0: other,\n\nChannel 1: them.\n\nChannel 0: like, super fund are the platform. They are the trustee. So just like your Australian supers or your, you know, Host Plus or qSuper, anything like that, Hub twenty four is a a a super fund trustee. They're actually one of the biggest trustees available with trillions under management,\n\nChannel 1: Yep.\n\nChannel 0: but they are a retail fund, whereas you would be used to seeing your industry funds advertised.\n\nChannel 1: Yep.\n\nChannel 0: So on the, you know, on the on the news and whatever else, it's always, you know, your C bus and your industry funds that will be\n\nChannel 1: Yep.\n\nChannel 0: advertised. Your retail funds don't advertise, and that's because, like, they have a wider offering. So they are an investment platform. So you can you\n\nChannel 1: Mhmm.\n\nChannel 0: can actually invest under the platform outside of your superannuation as well. So you can actually have, you know, a whole a whole investment account that's kind of connected to your super fund, but personally owned by yourself, which is, you know, which makes it really cool on that side. So more of an investment platform than just a a super funds like your your industry funds are. Yeah. Now, ultimately, what we're gonna look at doing is transferring all of the money that's in your account now over, which would be sitting up over a $100,000 based on the contribution that you've made into the fund,\n\nChannel 1: Yep.\n\nChannel 0: which is great. You look look at you go. You went from, like, $30 or or what else? Over a 100. That would have\n\nChannel 1: Yeah. The\n\nChannel 0: felt\n\nChannel 1: problem\n\nChannel 0: good.\n\nChannel 1: the problem is that the the the 77 and a half was part of a 100,000. I pulled out of Latrobe\n\nChannel 0: Yeah.\n\nChannel 1: at six\n\nChannel 0: Let's try.\n\nChannel 1: at six point seven five, and\n\nChannel 0: Yeah.\n\nChannel 1: it's now, you know, I don't even know what it's earning. And the 20 odd thousand dollars sitting in a cash account earning stuff all. So,\n\nChannel 0: Yes.\n\nChannel 1: You know, I wanted to get the intention was that I would pull that 77 and a half thousand dollars back out again and put it into a more productive investment account. We live partly off the invest well, we do live off the in addition to my salary, we live off the interest earned on on that money.\n\nChannel 0: Yes. You\n\nChannel 1: So\n\nChannel 0: did?\n\nChannel 1: I can't I can't leave the 77 and a half in the unless I can which I can do. I can just draw out of the super fund the\n\nChannel 0: Yes.\n\nChannel 1: difference anyway and just leave it there.\n\nChannel 0: So that\n\nChannel 1: So but\n\nChannel 0: yes.\n\nChannel 1: that's that's a bit I need to understand whether I can do or I can't do. Or how do I set that up and how does that all work? And and the other\n\nChannel 0: Yeah.\n\nChannel 1: I guess you're gonna get to it, but the other thing that's rolling around my head is making additional contributions every fortnight into the super fund to kinda\n\nChannel 0: Yep.\n\nChannel 1: accelerate this whole process. Because we we we can do that as well. But I expect you probably cover that off\n\nChannel 0: I\n\nChannel 1: to some\n\nChannel 0: sure\n\nChannel 1: point.\n\nChannel 0: do.\n\nChannel 1: Yeah. I bet you\n\nChannel 0: Cool.\n\nChannel 1: do. Oh, no. Go on. Okay. So so okay.\n\nSo\n\nChannel 0: So\n\nChannel 1: we take all of money that's sitting in the student fund, including the 77 and a half thousand\n\nChannel 0: mhmm. Yep.\n\nChannel 1: and roll that into Hub 24.\n\nChannel 0: Yep.\n\nChannel 1: And then\n\nChannel 0: Then from there,\n\nChannel 1: yep.\n\nChannel 0: what what I'm recommending\n\nChannel 1: Yep.\n\nChannel 0: is if you have a look, you can see the breakdown on page 20 if you have it open. Cool. But page 20 kind of outlines the investment breakdown, so the assets that I'm recommending that we we invest in. So as you'll see, the first word of each line is actually the investment manager. So your BetaShares, iShares, your Vanguard, Global X.\n\nThey are all investment managers. I'm not recommending any investment manager that hasn't been around for a long time, and the asset that I'm recommending have all been around for a long time as well. Now each of the assets are there to do a different thing. So each of these lines so take Hack, for example. Hack has about 30 different companies or securities in that in that holding.\n\nChannel 1: Mhmm.\n\nChannel 0: Now Hack is exactly as it says. It says it's a cybersecurity, so it's a bit of, like, thematics in the in the investment. So a bit of spice, basically. It is a little bit more volatile than any of the other assets. We're only I'm only looking at putting 5% in it, but\n\nChannel 1: Mhmm.\n\nChannel 0: it's there to be able to have that sector, have that cybersecurities, that that investment holding within that sector. So that way, we can get some of the gains that come from that sector because\n\nChannel 1: Mhmm.\n\nChannel 0: it it is obviously a massive sector that is starting to to build up quite a lot. We then have our next three, which are our our world diversification. So we've got our Europe, our Japan, our Vanguard, all world excluding The US. And, again, these are all small holdings. They're our international holdings.\n\nEach of those have another anywhere between ten and fifty assets within them\n\nChannel 1: Mhmm.\n\nChannel 0: as well.\n\nChannel 1: Yep.\n\nChannel 0: Then our our middle two, I guess, is our S and P 500, which is very, very American heavy,\n\nChannel 1: Mhmm.\n\nChannel 0: and we have our beta shares Australia 200. You'll\n\nChannel 1: Mhmm.\n\nChannel 0: notice that these two make up the core of the investment. So\n\nChannel 1: Yep.\n\nChannel 0: what I guess, what this investment's or or strategy is is it's what's referred to as a core and satellite. So you have a a bulk core of your investment, which is where the majority of your money sits, and then you have little satellites that sit out outside that is there to offset any of the the market volatility, which is what you'll find the last two do, the gold and your core composite bond. They are both there to cushion and offset market volatility\n\nChannel 1: Yep.\n\nChannel 0: or to capture growth in different areas. Because you don't wanna be sitting too heavily in, you know, one area versus another. You wanna make sure that you have a good blend of sectors and demographically as well. Makes sense?\n\nChannel 1: Yep. Got\n\nChannel 0: Cool.\n\nChannel 1: it.\n\nChannel 0: Cool. The next couple pages just kinda shows you, I guess, a visual breakdown of everything. Page 22. This shows the fees, the returns, and a breakdown of everything that's sitting there. Now there is obviously a massive difference between p, double f, a p to hub 24 in terms of fees and operational costs.\n\nThis stage is a like for like of your p, double f, a p to hub 24 as they basically currently stand. So with with the the money that you put in, so you'll see this concessional contribution of $65.08 75. That's because once the tax comes off it, that's the net amount that goes into the fund and what that looks\n\nChannel 1: Mhmm.\n\nChannel 0: like compounding. So if you pop down to the next page, you'll see that compounding, that's what the outcome is with respect to the accounts after five and seven years. And that's with your current con like, your current employer contributions as they currently stand with the 15% of your current wage and just that one off contribution. I wanted to stage this out so you could see kind of how it flows as we progress the stages. Does that make sense?\n\nSo this is only stage one as a comparison between the two. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Now what\n\nChannel 1: So\n\nChannel 0: I wanna\n\nChannel 1: not\n\nChannel 0: do\n\nChannel 1: not a huge amount of difference, but, like, $1,111,000 dollars difference between the two funds. Right?\n\nChannel 0: Yes.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Which is why we we implement a few other changes. So next financial year, what we would look at doing is make another $9,390 contribution. So that can technically be made anytime during next financial year depending on your cash flow. Obviously, the earlier\n\nChannel 1: Mhmm.\n\nChannel 0: it goes in, the more compound it has over time, but it just has to be done before June 30\n\nChannel 1: Yep.\n\nChannel 0: 2027. And what that's gonna do is, obviously, it's gonna do the same thing as the $77,000 did by reducing your taxable income. But second to that, it's using up all of your unused concessional caps. So you're not gonna have any carry like, carry forward concessional contribution caps left once you've made this this like, these contributions. So the 77,000 plus the $99,000 uses up all of that space that we that we\n\nChannel 1: Yep.\n\nChannel 0: previously had from years that you hadn't used. Okay? Now following\n\nChannel 1: Yep.\n\nChannel 0: that, what I wanted to do was I actually wanted to look at liquidating some of the assets that your wife has in her name. So the can I butcher the name of it 100%? The the Gyro something or other. I should know this off the top of my head, but sorry. I've looked at it so many times.\n\nYou'd think I'd remember exactly what it's called. The Griffin. Why was I trying to say Gyro? The the the Griffin\n\nChannel 1: Oh,\n\nChannel 0: assets.\n\nChannel 1: Griffin. Griffin.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yep.\n\nChannel 0: Yeah. Don't ask me why I butchered that, but anyway so I wanted to look at liquidating those, and the biggest reason is that it'll the interest will reduce the amount of tax that your wife has to pay. So it means that there's not gonna be as much of a push on on that side of things for her with with the tax returns, and it's gonna have a better compound because your 6% that you're earning are well, I mean, Griffin is not it's it's just stock option. So it's it's a it's a different sort of kettle fish, but the returns aren't there within that within that asset that I can see.\n\nChannel 1: No. It's been knocked around a bit by what's going on in The US. Yep.\n\nChannel 0: Yeah. And what I wanna do is I wanna get them that that money compounding for you guys and really working on it rather sort of sitting a bit stagnant. Now that obviously carries a risk that, you know, the asset could theoretically have a, you know, a massive bull and\n\nChannel 1: Mhmm.\n\nChannel 0: take off, but I wanted to go with something that's a little bit more reliable to help you guys in in actually growing everything.\n\nChannel 1: Yep.\n\nChannel 0: So that's why,\n\nChannel 1: So you\n\nChannel 0: like,\n\nChannel 1: want\n\nChannel 0: I wanted\n\nChannel 1: to\n\nChannel 0: to\n\nChannel 1: so\n\nChannel 0: make\n\nChannel 1: you want to liquidate that and put that where?\n\nChannel 0: into your super fund.\n\nChannel 1: Oh, into the super fund. Am I able to do that? That's a $100,000.\n\nChannel 0: Yeah. Yes. So we can make that nonconcessionally. So it means\n\nChannel 1: Right.\n\nChannel 0: that there's no tax benefit to it. It'll just work as compounding for you, though.\n\nChannel 1: Okay.\n\nChannel 0: And because of your age, if there's any need to access it, we can access it, and it's tax free. And that's where that biggest benefit comes from is we're not gonna be, you know, paying tax on any of the gains or anything like that\n\nChannel 1: Yeah.\n\nChannel 0: moving\n\nChannel 1: Because\n\nChannel 0: forward.\n\nChannel 1: I'm sorry. Yeah. Because I'm sorry. The tax pay sorry. Tax paid that money.\n\nRight.\n\nChannel 0: Yes.\n\nChannel 1: So it doesn't it doesn't pay any it doesn't get taxed again in the super fund.\n\nChannel 0: Correct.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So I wanted to make that that as a contribution there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the biggest part that I probably wanted to go through, if we just jump down to page 32, is I wanted to actually commence what's called a TTR or transition to retirement strategy. So what that does is that takes money from your super fund, opens up a pension account alongside it, so you'd still have an accumulation or a super\n\nChannel 1: Mhmm.\n\nChannel 0: fund, and you'd have a pension alongside it for the two accounts that's side by side.\n\nChannel 1: Yep.\n\nChannel 0: The accumulation fund is just sitting there with a lowest balance receiving contributions from your employer still while the pension account can pay out. And what I wanted to do was basically convert some of your income to the amount of about $661 a fortnight into super contributions. So you're gonna\n\nChannel 1: Mhmm.\n\nChannel 0: increase your super contributions up\n\nChannel 1: Reduce\n\nChannel 0: to the $3,232,500\n\nChannel 1: to reduce\n\nChannel 0: for the\n\nChannel 1: my\n\nChannel 0: year,\n\nChannel 1: tax.\n\nChannel 0: reduce your taxable income.\n\nChannel 1: Yep.\n\nChannel 0: And what that's gonna do is that's going to allow you to then withdraw money from your super fund each fortnight alongside your original pay. So, basically, same same as an outcome. You're just gonna have basically two pay incomes.\n\nChannel 1: Yep. One\n\nChannel 0: So\n\nChannel 1: one\n\nChannel 0: two\n\nChannel 1: coming from a pension, one coming from work. Yep.\n\nChannel 0: perfect.\n\nChannel 1: Got it.\n\nChannel 0: Thank you.\n\nChannel 1: Yep. So and and so the net impact is in terms of cash flow for me is virtually zero, but we're accumulating money in the super fund and taking a tax benefit from the way through.\n\nChannel 0: Correct. So if you actually pop down to page 34, I broke it all down\n\nChannel 1: Okay.\n\nChannel 0: for you to make it as easy as possible. Ow.\n\nChannel 1: Yep. So is that\n\nChannel 0: That hurt.\n\nChannel 1: do do we still stay under the cap, down to 30,000 caps?\n\nChannel 0: Yep. 32,500 is what it is next year.\n\nChannel 1: Right.\n\nChannel 0: That that we're saying we're saying under the cap, so we're good there. So what we're gonna do is we're just gonna salary sacrifice. So if we if you have a look at the income tax calculation table, which is, I guess, the third table down,\n\nChannel 1: Yep.\n\nChannel 0: you'll see your current position one zero two, you're taxed on one zero two, which means that you pay $22 in tax on your taxable income versus the proposed position. Effectively, your taxable income drops down to the 84, which means your income tax drops down to 17 and a half, which means that your take home pay ends up being $67.01 $1.04 versus $79.01 $1.06 o. With a pension\n\nChannel 1: Yep.\n\nChannel 0: withdrawal of $12.83,\n\nChannel 1: It's\n\nChannel 0: we basically,\n\nChannel 1: at the same. Yeah. It's\n\nChannel 0: yeah,\n\nChannel 1: at the same. Yep.\n\nChannel 0: it's a couple of dollars more because, like, rounding and cents and all the rest of it. But, also, I knew that you do live a little bit on the interest from\n\nChannel 1: Yep.\n\nChannel 0: the investments.\n\nChannel 1: Correct.\n\nChannel 0: I want to I want to try and, you know, I didn't wanna drop you down.\n\nChannel 1: No. That's right. But\n\nChannel 0: I know\n\nChannel 1: you exactly\n\nChannel 0: it's not much.\n\nChannel 1: you no. No. That's no. No. That's exactly right.\n\nI don't I don't wanna take anymore either.\n\nChannel 0: Yeah.\n\nChannel 1: So I think, you know, it it so so with this, basically, we end up with the same the cash there's no cash flow change,\n\nChannel 0: Mhmm.\n\nChannel 1: but we're getting a, what, a $5,000 tax benefit.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Is isn't it great?\n\nChannel 1: It's cool.\n\nChannel 0: Yeah. So we love getting rid of the tax, man. That's one\n\nChannel 1: Yeah.\n\nChannel 0: of my favorite things to do. So from there, what I what I wanna look at doing is basically setting all of those all of those things up. So you'd have, like, the two accounts and everything would operate from there. Now because of your age, if anything happened, we're still able to access some of that money. So I know, like, selling the Griffin stocks.\n\nOh, I just punched the desk. Sorry. Yes. We we sell the we sell the Griffin stocks that sort of, I guess, gets rid of something that you had access to liquidity liquidity\n\nChannel 1: Yep.\n\nChannel 0: wise. So\n\nChannel 1: Yep.\n\nChannel 0: there's still the availability that if anything happens, you have access to your super funds. But second to that, and I think a little bit longer term, I just didn't wanna overwhelm you too too much to begin with.\n\nChannel 1: Yep.\n\nChannel 0: And because, obviously, Latrobe isn't currently, like, like, isn't currently available liquid wise. I know you've I know you've got that $20 stay in sitting in cash, but the other 128 is invested until April of next year.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: But and it's probably a bit of a a conversation for later down the line, is the possibility of looking at once that does come to maturity is we can actually look at popping that into your super fund because the compounding of 11 like, 11% versus your, you know, your your five or 6%.\n\nChannel 1: Oh, shit. Yeah. That's a\n\nChannel 0: Very,\n\nChannel 1: message.\n\nChannel 0: very Correct.\n\nChannel 1: But\n\nChannel 0: Very,\n\nChannel 1: I\n\nChannel 0: very\n\nChannel 1: know I can\n\nChannel 0: different.\n\nChannel 1: always and if I need access to cash, I can always take it out. Right?\n\nChannel 0: Yes. And that's that's the great thing because you're not 40. I mean, don't be wrong. It'd be great to be having this conversation at 40, but you have the availability\n\nChannel 1: Good.\n\nChannel 0: for those funds. Even though we put them in, you're not gonna it's not gonna affect you. And second to that, because it's in your super fund, your wife's not gonna have those tax bills.\n\nChannel 1: Exactly right.\n\nChannel 0: It's\n\nChannel 1: So\n\nChannel 0: like I know the million dollars is like, the money that's sitting in the police bank that's being used towards the house. That I did not consider it. That doesn't exist in my brain.\n\nChannel 1: No.\n\nChannel 0: That is\n\nChannel 1: No.\n\nChannel 0: that is the house build, but I know that she's getting taxed on that, which that in an\n\nChannel 1: Well,\n\nChannel 0: in\n\nChannel 1: I mean,\n\nChannel 0: and of\n\nChannel 1: look,\n\nChannel 0: itself would\n\nChannel 1: the reality is all that that go in there as well if you wanted to. I mean, I I don't mind. We're not wedded to I mean, it it won't it won't come out of Police Bank until April next year. But at that point, we can put that with the super funds. I mean, sort of only means that when when time comes to pay for the house, we need to be able to get\n\nChannel 0: Yeah.\n\nChannel 1: it out.\n\nChannel 0: Yeah. Which we can get it out. My only issue is is I can't get all of it in. So it's why I didn't consider it because we do have limitations to how much we can get into the super fund.\n\nChannel 1: Oh, okay. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So what about so that so that 20,000 in cash that we've got at the moment, let's see.\n\nChannel 0: Yes.\n\nChannel 1: Because we're not we we're gonna leave that 77 and a half in there, aren't we? Might have to\n\nChannel 0: Yes.\n\nChannel 1: take that out.\n\nChannel 0: Nope. The 77 and the half is staying.\n\nChannel 1: Staying there. Because we like we like the 11% that we're getting on. Right? So that's\n\nChannel 0: Correct.\n\nChannel 1: but so we're gonna leave that. So what about the 20,000? Can that go in as well?\n\nChannel 0: It can. So that's with the liquidation of with the liquidation of the Griffin stocks plus the $20 in cash, that that goes in\n\nChannel 1: Okay.\n\nChannel 0: to that non concessional.\n\nChannel 1: Alright. That sounds good.\n\nChannel 0: Yeah. It all kinda works out.\n\nChannel 1: Your plan does work out.\n\nChannel 0: So that's that's where everything sort of sits. Now when the plan all works and all things happen, if we if we follow the advice and we do everything that I've kind of outlined, and, of course, we're gonna update these projections and have a look at everything each year as things change or if you have to pull more money. We're looking more along the $500,000 mark rather than that $200,000 that we were looking at to be in this.\n\nChannel 1: But in sixty's time?\n\nChannel 0: Five I did I did five to seven years because\n\nChannel 1: In\n\nChannel 0: I was\n\nChannel 1: five okay. Yeah. Yeah. Five to seven years. Okay.\n\nChannel 0: yeah.\n\nChannel 1: Gosh. Yeah.\n\nChannel 0: So if you look at page 40,\n\nChannel 1: Well, I\n\nChannel 0: it's too\n\nChannel 1: mean, we\n\nChannel 0: many\n\nChannel 1: I need to do I need to do this. Yep. Okay. Got it. Seven\n\nChannel 0: pages.\n\nChannel 1: years four nine six.\n\nChannel 0: Yeah. And, like, because I was I didn't talk to your wife. I couldn't really take into consideration, like, her tax side, but I guess as benefits that have been felt from this, the more money we take off her and pop this way,\n\nChannel 1: Yep.\n\nChannel 0: the better her\n\nChannel 1: The\n\nChannel 0: taxes\n\nChannel 1: better for you.\n\nChannel 0: should become.\n\nChannel 1: Oh, definitely.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Definitely. Sorry. Let's go back to the step.\n\nChannel 0: Of course.\n\nChannel 1: The\n\nChannel 0: No.\n\nChannel 1: current recommended current is if we lift things the way they are now.\n\nChannel 0: No. So each\n\nChannel 1: No.\n\nChannel 0: of these\n\nChannel 1: No.\n\nChannel 0: each of these stages kind of they they compound on each other.\n\nChannel 1: So\n\nChannel 0: So current is so if you go all the way up to the top, which is back at page I don't even know. But no. No. No. No.\n\nThe table just got too big. I I know what you're looking at.\n\nChannel 1: no.\n\nChannel 0: I\n\nChannel 1: It's\n\nChannel 0: know what\n\nChannel 1: okay.\n\nChannel 0: you're talking about.\n\nChannel 1: Go go back to page 22.\n\nChannel 0: Yes. So, yeah, 22 for 20 yeah. Twenty two twenty three. That is your current PWS AP. That is\n\nChannel 1: Yep.\n\nChannel 0: exactly\n\nChannel 1: That's\n\nChannel 0: as\n\nChannel 1: true.\n\nChannel 0: it currently stands. That's the five year rolling average five year rolling average return rate for the fund.\n\nChannel 1: Yeah. So we have a couple $100,000. Right? So\n\nChannel 0: Correct. If we\n\nChannel 1: and if\n\nChannel 0: implement\n\nChannel 1: we if we\n\nChannel 0: stage one of my recommendations,\n\nChannel 1: we\n\nChannel 0: that's\n\nChannel 1: get\n\nChannel 0: where we land with\n\nChannel 1: oh, I\n\nChannel 0: Hub\n\nChannel 1: see.\n\nChannel 0: '24.\n\nChannel 1: And that's\n\nChannel 0: And\n\nChannel 1: what\n\nChannel 0: then\n\nChannel 1: we're doing at Hub twenty four. Then if we\n\nChannel 0: if we\n\nChannel 1: and if\n\nChannel 0: if\n\nChannel 1: we\n\nChannel 0: we\n\nChannel 1: do\n\nChannel 0: take yep. And then it kinda rolls from there.\n\nChannel 1: okay. Then if we work the okay. Okay. Then if we put another 126 in, which is the Griffin money plus the cash. Right?\n\nIs that right? Page 30,\n\nChannel 0: Yes.\n\nChannel 1: it\n\nChannel 0: Yes. Yes.\n\nChannel 1: says\n\nChannel 0: Yes. Yep.\n\nChannel 1: $1.26.\n\nChannel 0: Yep.\n\nChannel 1: That's the grip that's Griffin plus cash. Is that\n\nChannel 0: Yep.\n\nChannel 1: right?\n\nChannel 0: Yep.\n\nChannel 1: Yep. Okay. So you keep following the recommended down.\n\nChannel 0: Yeah.\n\nChannel 1: You end up at in five years' time, it's actually 400,000. In seven years' time, almost 500,000.\n\nChannel 0: Yep. Now I then did a little bit. So if you have a look at page 41, I just did a little bit of a retirement calculation, but I wanna I wanna I wanna caveat it really heavily because, a, it does not consider the retirement, b, I did not put any any Centrelink in there. I did start, and then it just Centrelink advice is very, very, very heavy in\n\nChannel 1: Yes.\n\nChannel 0: in in time. While\n\nChannel 1: Yep.\n\nChannel 0: I did consider it, you'd you'd you would you you have access to Centrelink pretty much the as soon as you start working. It was you have partial access to Centrelink to begin with. I just did it based on a if you were to draw down $78,000 a year,\n\nChannel 1: Okay.\n\nChannel 0: a, you know, how that\n\nChannel 1: That's\n\nChannel 0: kind of\n\nChannel 1: right.\n\nChannel 0: works and\n\nChannel 1: And\n\nChannel 0: what\n\nChannel 1: so\n\nChannel 0: happens from\n\nChannel 1: yeah.\n\nChannel 0: there.\n\nChannel 1: Exactly. So you run out of money at age 84\n\nChannel 0: Yes.\n\nChannel 1: ish. At 85, you run out of money, but that's just your super.\n\nChannel 0: Yes. And that's just\n\nChannel 1: Right.\n\nChannel 0: if you were just drawing down on that. Now you do have Centrelink that will will be able to support you, but\n\nChannel 1: Yep.\n\nChannel 0: then there's the possibility of\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: some\n\nChannel 0: the\n\nChannel 1: money.\n\nChannel 0: inheritance and what that\n\nChannel 1: Yeah.\n\nChannel 0: looks like, and\n\nChannel 1: Yeah.\n\nChannel 0: it just kind of overcomplicates it and creates complexities.\n\nChannel 1: No. That's yeah. Exactly right. That's exactly right. No.\n\nIt's good good to do it this way because then everything else is an upside. Right? So,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, if money suddenly lands on the table, then we can we can make have a discussion about what that what we do with that at that time.\n\nChannel 0: Correct. Most certainly. And\n\nChannel 1: And\n\nChannel 0: then\n\nChannel 1: then\n\nChannel 0: it it's obviously where it lands on the table as well is the other biggest question.\n\nChannel 1: exactly. That's right. And then and then, you know, when I finally do pull the pin and stop working then, you know, does settling do anything for us or not at that point?\n\nChannel 0: Yeah. Well, look. Basically, right now, yes, they would. As as your assets currently stand, you would have access to a part pension on Centrelink. Okay.\n\nOkay. I lied. Not right this second, but once the house is filled, then the answer is yes. Right now with a\n\nChannel 1: Yeah.\n\nChannel 0: million dollars in the bank, no. But once the\n\nChannel 1: No.\n\nChannel 0: house is\n\nChannel 1: No.\n\nChannel 0: built,\n\nChannel 1: No.\n\nChannel 0: yes.\n\nChannel 1: Exactly right. And which is why you wanna get into super. Yeah.\n\nChannel 0: Yeah. So, like, I'm yeah. We we just wanna get the money. Yeah. Once the house is built, if you if you decide to hang up the hat once the house is built, then, yes, you would have access to to Centrelink\n\nChannel 1: So when the\n\nChannel 0: because\n\nChannel 1: when the\n\nChannel 0: it's\n\nChannel 1: house\n\nChannel 0: combined.\n\nChannel 1: is when the and when the house is built and they say, okay. Well well, what's the next payment? The next payment is gonna be stamp duty. So there'll be an $80,000 stamp duty bill that's gonna get paid shortly before finalization or shortly before settlement. And then when settlement happens,\n\nChannel 0: Yep.\n\nChannel 1: there'll be no issues. I can just what we what do you do? Just send a notice of intention to withdraw some money or I'm not sure how that works. How do how do you how do you actually make a a withdrawal out of a super fund apart from having that pay the the pension?\n\nChannel 0: You call me and you say, hello. How are you going? And I say, hello. How are you going? And you say very well, and I say, that's fantastic.\n\nAnd I say, what can I do you for? And you tell me what I can help you, and then I say, fantastic. Let me do that for you. And I send you a\n\nChannel 1: Okay.\n\nChannel 0: pretty document, and you sign that document, and I process the withdrawal into your bank account. It's really pretty easy.\n\nChannel 1: Okay. Okay. Okay. So things are pretty easy when you're my age.\n\nChannel 0: Yep. Things are pretty\n\nChannel 1: It sounds\n\nChannel 0: easy\n\nChannel 1: like\n\nChannel 0: when they're\n\nChannel 1: the\n\nChannel 0: your\n\nChannel 1: only\n\nChannel 0: age.\n\nChannel 1: advantage\n\nChannel 0: Yep.\n\nChannel 1: of being my age.\n\nChannel 0: Pretty much. It's a good advantage.\n\nChannel 1: Yeah. It is a good advantage, isn't it? Makes a hell of a different sign.\n\nChannel 0: It does. It it does. It was actually really funny. I kept sitting down. I'm like, oh, no.\n\nHe can't do that. Oh, wait. Yes. He can. He's old enough.\n\nBecause majority of the clients I speak to\n\nChannel 1: Can't do it. Can't do it.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You have all these great, wonderful ideas, and you're like, no. Can't do it. But with you, it was, oh, you can do this, and he can do this, and we can do this. Everything I could think of, you could do.\n\nChannel 1: My account was talking about something about $310,000 contribution I can make from I don't know. I need to find out from what he was talking about. I was just trying to get finalization of the 77 and a half.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: But\n\nChannel 0: I mean,\n\nChannel 1: he was\n\nChannel 0: the\n\nChannel 1: talking\n\nChannel 0: the\n\nChannel 1: about\n\nChannel 0: the number's\n\nChannel 1: something.\n\nChannel 0: off, but, yes, I know\n\nChannel 1: What\n\nChannel 0: exactly what he's talking\n\nChannel 1: what\n\nChannel 0: about.\n\nChannel 1: what what's that relate to?\n\nChannel 0: That is a carry oh, sorry. It's a bring forward non concessional contribution. So it means it's already tax paid. Money can can be contributed into the super fund. So the 126,000 that we have available to us,\n\nChannel 1: That that that's part of that. Is\n\nChannel 0: that's part\n\nChannel 1: it?\n\nChannel 0: of that. And what he's he's referencing or she, they,\n\nChannel 1: Okay.\n\nChannel 0: he is referencing is carrying forward the or or or taking from the fall like, the the future years. So you know how for the non concessional, so the seventy seven thousand that you just put in,\n\nChannel 1: We\n\nChannel 0: you looked\n\nChannel 1: we went\n\nChannel 0: back.\n\nChannel 1: back. Yep.\n\nChannel 0: Yeah. This is looking forward. So what it's doing is it's taking from each of the year's contributions. Each of the following years is actually a $130 each, so we can actually do up to $3.90.\n\nChannel 1: Yes, sir. That was the number. Yeah.\n\nChannel 0: Yes. Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So you can pop into up to $3.90 into the fund, which, theoretically, we we definitely can. But right now, from liquid assets, police\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: police\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: I get\n\nChannel 0: not available.\n\nChannel 1: I get it.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: probe's not\n\nChannel 1: Okay.\n\nChannel 0: available. Blah\n\nChannel 1: Exactly\n\nChannel 0: blah blah.\n\nChannel 1: right. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Perfect. Right. And he's a really good I mean, he's a he's a family friend, and he's a really, really great bloke. And I don't pressure him because, you know, the relationship we have with him.\n\nSo but he's extremely helpful. So\n\nChannel 0: Good.\n\nChannel 1: I don't mind and I don't mind you talking to him. Or I can get him to talk to you if that becomes necessary\n\nChannel 0: Yeah.\n\nChannel 1: at any point. So very happy for that to happen.\n\nChannel 0: No. Absolutely. More than\n\nChannel 1: And\n\nChannel 0: happy\n\nChannel 1: I'll\n\nChannel 0: to\n\nChannel 1: and\n\nChannel 0: to have\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: will\n\nChannel 0: chat.\n\nChannel 1: and I will, of course, share this advice with him. But he's he's very supportive. You know, he he he doesn't give financial advice. He just does my tax. So he makes\n\nChannel 0: Yep.\n\nChannel 1: that very clear. But he, you know,\n\nChannel 0: Yeah.\n\nChannel 1: he's he's a great bike.\n\nChannel 0: Yeah. But it's\n\nChannel 1: So\n\nChannel 0: always\n\nChannel 1: alright.\n\nChannel 0: good when they can give you the tax savings advice too.\n\nChannel 1: Yeah. No. And look, he'll he'll do the taxes. He'll go go through it. He can talk to you about what we've done so that we, you know, maximize the benefit.\n\nChannel 0: Absolutely. And if there are anything that like, any anything pops up during the the tax returns this year, then we can always have a look at them as well.\n\nChannel 1: Yeah. Exactly. Yep.\n\nChannel 0: Or when when we get around to doing them.\n\nChannel 1: Doing okay. Okay.\n\nChannel 0: Now the other thing is is because we're establishing a new super fund, beneficiary nominations, I recommend that we nominate your wife, obviously.\n\nChannel 1: Oh, yeah. Oh, yes. I understand\n\nChannel 0: It's tax\n\nChannel 1: that. Yeah.\n\nChannel 0: free when\n\nChannel 1: Yep.\n\nChannel 0: she receives it, and it's\n\nChannel 1: Yep.\n\nChannel 0: a lot smoother and quicker of a process.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: a bunch of my clients have the question, what happens if my wife dies before me? Now one or two things. And it's always the same question, but let's just say you both got into a car accident. Let let's put it this way. Me and my husband got into a car accident together.\n\nWhat would happen is if my beneficiary nomination, which is currently 100% to my husband, because it is quicker and more efficient for him to receive the funds through a direct\n\nChannel 1: Mhmm.\n\nChannel 0: nomination than it is through an estate nomination, and\n\nChannel 1: Yep.\n\nChannel 0: because I have three smallish children,\n\nChannel 1: Yep.\n\nChannel 0: I want the money to go to him quick.\n\nChannel 1: Yep.\n\nChannel 0: Now if that was to happen and we were both to pass away, my estate takes over,\n\nChannel 1: Yep.\n\nChannel 0: and my estate deals with the nomination. The same thing would happen for yourself if anything were to happen. Hub twenty four actually has once a nomination is bound to be nonvalid, they don't go through claims\n\nChannel 1: Yep.\n\nChannel 0: taking. They go straight through to a an an estate nomination. Most super funds are actually updating their processes, and legislation has basically updated to cease what used to be called claims taking, which is where they would basically put an ad in the newspaper and say, hey. This person's passed away. Does anyone feel as though they have rights to the estate?\n\nNow Queensland law actually stipulates that if a spouse exists, the spouse will get asset first. If there are children, they would they will get assets next, blah blah blah blah. And there's a, you know, a bunch of different caveats on how much everyone gets.\n\nChannel 1: Okay.\n\nChannel 0: So if anything were to happen to you and your wife or your wife predeceased yourself and you had not updated the nomination before you would have passed away, your children would\n\nChannel 1: It's just gonna go\n\nChannel 0: more\n\nChannel 1: to\n\nChannel 0: than\n\nChannel 1: your\n\nChannel 0: likely,\n\nChannel 1: site.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: more than likely get it, but it's gonna go through the estate.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Cool. I just always like to explain it just to make sure. It's a little bit of an understanding.\n\nChannel 1: No. I'm I'm I'm pretty relaxed. A lot of this stuff doesn't bother me. So\n\nChannel 0: Good. Good.\n\nChannel 1: alright. So what do you need now to move forward?\n\nChannel 0: Cool.\n\nChannel 1: Because obviously\n\nChannel 0: So\n\nChannel 1: obviously, the sooner we do this, the better.\n\nChannel 0: so I've emailed this to you, but what I need to do and and I prefer doing it via email to begin with just because it's a little bit visually easier to look at. But what I need to do is I need to send you a whole pack of documents. We do that\n\nChannel 1: Okay.\n\nChannel 0: over email, electronically signing, because, otherwise, the paper footprint is enormous.\n\nChannel 1: Yep.\n\nChannel 0: So what I'll do is I will email you the documents. The documents will be the document you're looking at right now along with application for the Superfund.\n\nChannel 1: Yep.\n\nChannel 0: I have not included the pension application yet because we're not setting the pension up until next financial year a. And, b,\n\nChannel 1: Yep.\n\nChannel 0: I needed your bank details anyway. But my team,\n\nChannel 1: Yep.\n\nChannel 0: when they call you to go through the implementation steps, they'll kinda step it through with you. The great thing about the document I've drawn up is that, actually, towards the bottom, a step by step, these are the order of the steps that we will take, when they're gonna get taken, and who's taking those steps. So it makes it a little bit easier to kind of follow along with each of the steps that need to go in to doing everything.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, of course, if at any point in time you have any questions, qualms, concerns, you're always allowed and able to reach out to me, and I can help you out with that. But, otherwise, you know, I I have fantastic admin that'll kind of help walk through each of the each of the steps to to implement the advice. So get the funds rolled over, and they will, you know, help you to make those contributions, give you bank details, make those contributions. We'll help set up the accounts. I do all the investments on the I do all the investing.\n\nAny of my clients, once funds are received, I invest, my admin don't,\n\nChannel 1: Yep.\n\nChannel 0: and we go through from there. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool.\n\nChannel 1: So now I think we spoke when we last spoke, you told what your fees were?\n\nChannel 0: Out\n\nChannel 1: Why are\n\nChannel 0: of my\n\nChannel 1: you laughing?\n\nChannel 0: mouth. I was I was literally about to say the same thing.\n\nChannel 1: Hey.\n\nChannel 0: I was\n\nChannel 1: Yeah.\n\nChannel 0: gonna say now, because I skipped over a couple of things I would normally already have have talked\n\nChannel 1: That's\n\nChannel 0: about,\n\nChannel 1: alright. No. Well, we did we covered. It was 1.5 or something. Is that right?\n\nChannel 0: One\n\nChannel 1: Alright.\n\nChannel 0: point 65% ongoing.\n\nChannel 1: One point\n\nChannel 0: Correct?\n\nChannel 1: $6.05. Ongoing. So what does that what does that mean?\n\nChannel 0: So\n\nChannel 1: Literally. So\n\nChannel 0: literally,\n\nChannel 1: in\n\nChannel 0: the figure,\n\nChannel 1: dollar in dollar figures. Yeah.\n\nChannel 0: it ends up being about $3,922. It's\n\nChannel 1: What? Per\n\nChannel 0: being\n\nChannel 1: year?\n\nChannel 0: factored per year. It's being factored into all of the advice.\n\nChannel 1: Yep. Yep. So and you just send me a bill when I pay. Is that right? Or or\n\nChannel 0: Actually\n\nChannel 1: does\n\nChannel 0: comes\n\nChannel 1: it come\n\nChannel 0: out of the super fund.\n\nChannel 1: comes out of the super fund.\n\nChannel 0: Yep.\n\nChannel 1: So which virtually means it's being salary sacrificed. Right?\n\nChannel 0: Correct. Actually,\n\nChannel 1: Okay.\n\nChannel 0: yep.\n\nChannel 1: Yeah. Yeah. Because I do that because the other thing I can do is that you can actually sell it out on point. We're living super funds, so it's irrelevant. It doesn't matter.\n\nYeah. So if the pay comes out of the super fund, that's fine because that means it's basically salary sacrifice. So we're only\n\nChannel 0: Yep.\n\nChannel 1: paying, you know, the the the 15% on it. Oh, sorry. No. I'm getting the tax benefit on. It's reducing\n\nChannel 0: Yep.\n\nChannel 1: my reducing my salary.\n\nChannel 0: Yep. It's reducing his salary.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: There we are. And then on the other side of the relationship, you get fees on the investments?\n\nChannel 0: No. Not at all. Nope. No. There are no no kickbacks from the investments at all.\n\nSo I could put you in any number any number of a thousand different investment options. We do not get any kickbacks from any any of that. That is what's actually called conflicted remuneration. It's a massive no no in our industry. They're not something I I actually partake in.\n\nTo the point where,\n\nChannel 1: Okay.\n\nChannel 0: generally, when I meet with BDMs, I always buy coffee because I'm not really a fan of having\n\nChannel 1: You\n\nChannel 0: coffee\n\nChannel 1: you don't\n\nChannel 0: before\n\nChannel 1: do\n\nChannel 0: me.\n\nChannel 1: that. Sounds sounds like it works for the government. Alright. Okay.\n\nChannel 0: So yeah. So that that's that's the the fee side of things. The other thing that I wanted to touch on is that to implement the advice, we do need your tax fund. We don't, but the Superfund needs your tax file number.\n\nChannel 1: Yes,\n\nChannel 0: But we need to code a a legal copy of your\n\nChannel 1: sir.\n\nChannel 0: ID. So it can be passport or\n\nChannel 1: You can\n\nChannel 0: driver's\n\nChannel 1: have that\n\nChannel 0: license.\n\nChannel 1: as well. You can have that as well.\n\nChannel 0: Cool. What I will do for your tax file number is, a, I don't want you to verbally tell me, or, b, I don't want you to email it to me, please. On the documents that I send you, one of the documents is actually gonna have a space for you to be able to free type your tax file number in. It'll be\n\nChannel 1: Yep.\n\nChannel 0: a mandatory field that you have to enter. That is the\n\nChannel 1: Yep.\n\nChannel 0: only place we hold your tax your tax file number. That\n\nChannel 1: It's\n\nChannel 0: document\n\nChannel 1: fine.\n\nChannel 0: gets locked completely and is not held on system. Your\n\nChannel 1: Alright.\n\nChannel 0: tax file number is entered into the super fund who also have their own locking system.\n\nChannel 1: Yep.\n\nChannel 0: The benefits are obviously if you don't don't list your tax on them with with with the super funds, they tax you\n\nChannel 1: Did\n\nChannel 0: at the highest\n\nChannel 1: I\n\nChannel 0: possible\n\nChannel 1: get the\n\nChannel 0: rate.\n\nChannel 1: benefits? Did I get\n\nChannel 0: Correct.\n\nChannel 1: the benefit? I understand.\n\nChannel 0: So we need to cool. Well, what I'll do is I will package everything up and send it to you. I think it's it's actually already packaged up. I just have to press the send button. So I'll send that through to you.\n\nDon't be surprised if it goes to junk because it is like a signing document thing.\n\nChannel 1: Okay.\n\nChannel 0: You'll\n\nChannel 1: Yep.\n\nChannel 0: have that within the next ten minutes.\n\nChannel 1: Okay.\n\nChannel 0: Are there any questions that you may or may not have?\n\nChannel 1: Not not at this stage. I'll I'll read through your document. And if I have any questions, I'll flick you an email. It's probably the\n\nChannel 0: Yeah.\n\nChannel 1: easiest way.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: I do wanna share this with with David, my accountant. So\n\nChannel 0: Yeah.\n\nChannel 1: just let him know what's happening so he's aware. And if he's got any questions, then I'll I'll share those to you as\n\nChannel 0: Yeah.\n\nChannel 1: well.\n\nChannel 0: Feel free. He can email me. So as\n\nChannel 1: Yep.\n\nChannel 0: long as he sees you in and you send an\n\nChannel 1: Yep.\n\nChannel 0: email saying I'm happy for you guys\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: no.\n\nChannel 0: discuss.\n\nChannel 1: I'll I'll I'll I'll email you with these questions. It's alright.\n\nChannel 0: Oh, that works.\n\nChannel 1: Otherwise, yeah, it looks it looks good. I think we definitely need to be doing we need to have some acceleration on what's going on because, you know, we're\n\nChannel 0: Yeah.\n\nChannel 1: not gonna get to where we need to get to. A bit of luck, I might be able to pull up in earlier. You never know.\n\nChannel 0: With a bit of luck. I hope so too. We just I think the best thing for us to do is just to sit on this for twelve months, see what happens with the house,\n\nChannel 1: Yes. Yeah.\n\nChannel 0: the\n\nChannel 1: Exactly.\n\nChannel 0: the mortgage, and\n\nChannel 1: Yep.\n\nChannel 0: how\n\nChannel 1: Yep.\n\nChannel 0: that all finishes, and then\n\nChannel 1: Yep.\n\nChannel 0: we can kinda revisit\n\nChannel 1: Yep. And\n\nChannel 0: the\n\nChannel 1: if\n\nChannel 0: final\n\nChannel 1: are\n\nChannel 0: plan.\n\nChannel 1: there ways as I as I think about the mortgage, are are there ways that I should be structuring that?\n\nChannel 0: The mortgage?\n\nChannel 1: Yeah. Is it or is\n\nChannel 0: Weekly?\n\nChannel 1: it just it's just\n\nChannel 0: Weekly\n\nChannel 1: a matter\n\nChannel 0: or,\n\nChannel 1: of\n\nChannel 0: a, weekly or fortnightly payments, definitely,\n\nChannel 1: yeah.\n\nChannel 0: because it's gonna result in you paying less interest overall.\n\nChannel 1: Yeah.\n\nChannel 0: If you're able to set an offset account, I would 100% try and get an offset account set up and live out of that offset account.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Aside from that, until I know what the interest rate is, the term,\n\nChannel 1: Yep.\n\nChannel 0: the repayments,\n\nChannel 1: Okay.\n\nChannel 0: or anything like that, I can't delve\n\nChannel 1: Okay.\n\nChannel 0: to date.\n\nChannel 1: Okay. Okay. Alright. Sounds good.\n\nChannel 0: Cool. Amazing.\n\nChannel 1: What is the thank you?\n\nChannel 0: No. Absolutely. My pleasure. I'll get everything sent to you so you can when you\n\nChannel 1: Good\n\nChannel 0: finish\n\nChannel 1: work.\n\nChannel 0: looking it over, sign it.\n\nChannel 1: Okay.\n\nChannel 0: Thank you. I was pretty impressed to get it all out in the time frame that we did it, so it's not\n\nChannel 1: No.\n\nChannel 0: too\n\nChannel 1: No.\n\nChannel 0: bad.\n\nChannel 1: It's very, very good. I appreciate that. And and really, the conversation you and I had, what was it, week or two ago, was\n\nChannel 0: Twelve\n\nChannel 1: great\n\nChannel 0: days.\n\nChannel 1: because it because it actually, obviously, sparked the the the conversation I had with my account about the putting that money into super fund, which, god, I was paying for to get it out of Latrobe. I had to pay 1 and a half thousand dollars to get it out of Latrobe.\n\nChannel 0: Of course.\n\nChannel 1: And then and then it was, you know, trying to get the super fund to accept the payment quickly or or getting on the tribe to give us the money quickly because we only said twenty four hours to to get it into the fund. But we made it. So it was\n\nChannel 0: We\n\nChannel 1: good.\n\nChannel 0: made it.\n\nChannel 1: So had had you hey hey, you and I had that conversation twenty four hours later, it wouldn't have worked.\n\nChannel 0: It would\n\nChannel 1: So\n\nChannel 0: no. No. So it was totally good. It all matched up perfectly.\n\nChannel 1: yeah. Good in the end. Thank you. Alright. That's great.\n\nThanks for your time, Lisa. Appreciate it.\n\nChannel 0: Not a problem at all, Mark. We will chat\n\nChannel 1: Okay.\n\nChannel 0: later.\n\nChannel 1: Okay. Ciao.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Mark Wallace.","start":0.56,"end":1.3,"sentiment":"neutral","sentiment_score":0.012228556908667088}],"sentiment":"neutral","sentiment_score":0.012228556908667088,"channel":1,"num_words":2,"start":0.56,"end":1.3},{"sentences":[{"text":"Hi,","start":2.8799999,"end":3.12,"sentiment":"neutral","sentiment_score":0.05493967980146408}],"sentiment":"neutral","sentiment_score":0.05493967980146408,"channel":0,"num_words":1,"start":2.8799999,"end":3.12},{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.05041839927434921}],"sentiment":"neutral","sentiment_score":0.05041839927434921,"channel":1,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Mark.","start":3.12,"end":3.6,"sentiment":"neutral","sentiment_score":0.04781480506062507},{"text":"Hi, Mark.","start":3.6,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1260237954556942},{"text":"It's Larissa from Mercury Financial.","start":6.3999996,"end":8.24,"sentiment":"neutral","sentiment_score":0.15005963444709777}],"sentiment":"neutral","sentiment_score":0.1312700710259378,"channel":0,"num_words":8,"start":3.12,"end":8.24},{"sentences":[{"text":"Hey.","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":0.24020391702651975}],"sentiment":"neutral","sentiment_score":0.24020391702651975,"channel":1,"num_words":1,"start":8.24,"end":8.74},{"sentences":[{"text":"How are you going?","start":8.24,"end":9.139999,"sentiment":"neutral","sentiment_score":0.23909097164869308}],"sentiment":"neutral","sentiment_score":0.23909097164869308,"channel":0,"num_words":4,"start":8.24,"end":9.139999},{"sentences":[{"text":"Good.","start":9.28,"end":9.599999,"sentiment":"positive","sentiment_score":0.4846354126930237},{"text":"How are you?","start":9.599999,"end":10.42,"sentiment":"positive","sentiment_score":0.3350469668706258}],"sentiment":"positive","sentiment_score":0.3724440783262253,"channel":1,"num_words":4,"start":9.28,"end":10.42},{"sentences":[{"text":"Not too bad.","start":11.84,"end":12.639999,"sentiment":"neutral","sentiment_score":0.17729986707369486},{"text":"I quickly grabbed a bite to eat before I gave you a call.","start":12.639999,"end":15.785,"sentiment":"neutral","sentiment_score":0.12663437970555746},{"text":"Otherwise, it was gonna be too late.","start":15.785,"end":18.285,"sentiment":"neutral","sentiment_score":-0.2682458460330963}],"sentiment":"neutral","sentiment_score":0.013061983267898146,"channel":0,"num_words":23,"start":11.84,"end":18.285},{"sentences":[{"text":"That's alright.","start":19.335001,"end":20.135,"sentiment":"neutral","sentiment_score":0.07424198742955923},{"text":"It's fine.","start":20.135,"end":20.795,"sentiment":"neutral","sentiment_score":0.12522627040743828}],"sentiment":"neutral","sentiment_score":0.09973412891849875,"channel":1,"num_words":4,"start":19.335001,"end":20.795},{"sentences":[{"text":"The day has run away from me.","start":20.345,"end":22.445,"sentiment":"negative","sentiment_score":-0.5932945949690682}],"sentiment":"negative","sentiment_score":-0.5932945949690682,"channel":0,"num_words":7,"start":20.345,"end":22.445},{"sentences":[{"text":"Yeah.","start":22.215,"end":22.535,"sentiment":"neutral","sentiment_score":-0.2663722336292267},{"text":"Now it's gone.","start":22.535,"end":23.175,"sentiment":"negative","sentiment_score":-0.40600483616193134},{"text":"Almost gone, isn't it?","start":23.175,"end":24.635,"sentiment":"neutral","sentiment_score":-0.2719379812479019}],"sentiment":"neutral","sentiment_score":-0.32151733338832855,"channel":1,"num_words":8,"start":22.215,"end":24.635},{"sentences":[{"text":"Yeah.","start":24.585,"end":25.085,"sentiment":"neutral","sentiment_score":-0.03177349269390106},{"text":"That's okay.","start":26.19,"end":26.990002,"sentiment":"neutral","sentiment_score":0.021284235175698996},{"text":"So is the month.","start":26.990002,"end":27.79,"sentiment":"neutral","sentiment_score":0.021984603255987167},{"text":"That's that's alright.","start":27.79,"end":28.85,"sentiment":"neutral","sentiment_score":0.109183964629968},{"text":"How have you","start":28.91,"end":29.550001,"sentiment":"neutral","sentiment_score":0.0785276194413503}],"sentiment":"neutral","sentiment_score":0.05091293406887697,"channel":0,"num_words":13,"start":24.585,"end":29.550001},{"sentences":[{"text":"Yeah.","start":29.335,"end":29.835,"sentiment":"neutral","sentiment_score":0.103329136967659}],"sentiment":"neutral","sentiment_score":0.103329136967659,"channel":1,"num_words":1,"start":29.335,"end":29.835},{"sentences":[{"text":"been?","start":29.550001,"end":30.050001,"sentiment":"neutral","sentiment_score":0.10343989729881288}],"sentiment":"neutral","sentiment_score":0.10343989729881288,"channel":0,"num_words":1,"start":29.550001,"end":30.050001},{"sentences":[{"text":"Been good.","start":30.4,"end":31.14,"sentiment":"positive","sentiment_score":0.3587547242641449},{"text":"Been 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back from those.","start":810.515,"end":813.075,"sentiment":"neutral","sentiment_score":0.05793151631951332},{"text":"And then, obviously, this year, they'll be they'll be a good whack.","start":813.075,"end":816.695,"sentiment":"neutral","sentiment_score":0.07210615106547873}],"sentiment":"neutral","sentiment_score":0.014684169896740894,"channel":1,"num_words":61,"start":801.75,"end":816.695},{"sentences":[{"text":"So yeah.","start":818.755,"end":819.23505,"sentiment":"neutral","sentiment_score":0.09039294347167015},{"text":"Look what we'll we'll see.","start":819.23505,"end":820.195,"sentiment":"neutral","sentiment_score":0.15929749310016633},{"text":"I mean, I think, you know, I might be able to wash his face, which would be great.","start":820.195,"end":825.09,"sentiment":"neutral","sentiment_score":0.23193874996569422},{"text":"If that happened, that'd be terrific.","start":825.09,"end":826.55,"sentiment":"positive","sentiment_score":0.525940477848053}],"sentiment":"neutral","sentiment_score":0.26799399093274145,"channel":1,"num_words":31,"start":818.755,"end":826.55},{"sentences":[{"text":"Yeah.","start":827.26,"end":827.76,"sentiment":"neutral","sentiment_score":0.31503015756607056}],"sentiment":"neutral","sentiment_score":0.31503015756607056,"channel":0,"num_words":1,"start":827.26,"end":827.76},{"sentences":[{"text":"You know, because it's it's that's that will that will help significantly.","start":828.05,"end":832.47,"sentiment":"positive","sentiment_score":0.33685830732186633},{"text":"Obviously.","start":835.185,"end":835.685,"sentiment":"neutral","sentiment_score":0.15573029220104218},{"text":"Okay.","start":837.185,"end":837.505,"sentiment":"neutral","sentiment_score":0.29734671115875244},{"text":"That's good.","start":837.505,"end":837.985,"sentiment":"positive","sentiment_score":0.5809592604637146},{"text":"So I understand that now.","start":837.985,"end":838.945,"sentiment":"positive","sentiment_score":0.36429827809333803}],"sentiment":"positive","sentiment_score":0.35613269536268144,"channel":1,"num_words":21,"start":828.05,"end":838.945},{"sentences":[{"text":"Thank you for explaining 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in.","start":843.51495,"end":847.85,"sentiment":"neutral","sentiment_score":0.12347699205080669},{"text":"We just need to submit the notice of intent to claim, which, realistically, we can't we just submit just before you go and sit down with your accountant.","start":847.85,"end":855.15,"sentiment":"neutral","sentiment_score":0.03952059379246618}],"sentiment":"neutral","sentiment_score":0.05720574187913111,"channel":0,"num_words":35,"start":840.555,"end":855.15},{"sentences":[{"text":"Okay.","start":855.49,"end":855.99,"sentiment":"neutral","sentiment_score":0.05638253688812256}],"sentiment":"neutral","sentiment_score":0.05638253688812256,"channel":1,"num_words":1,"start":855.49,"end":855.99},{"sentences":[{"text":"So yeah.","start":858.33,"end":858.97,"sentiment":"neutral","sentiment_score":0.06560690328478813},{"text":"Now outside of that, there's sort of about three or four pages worth of information on on making that contribution and the tax savings and all the rest of the stuff.","start":858.97,"end":870.235,"sentiment":"neutral","sentiment_score":0.09902562543509467}],"sentiment":"neutral","sentiment_score":0.0970002483350761,"channel":0,"num_words":33,"start":858.33,"end":870.235},{"sentences":[{"text":"Yes.","start":869.985,"end":870.485,"sentiment":"neutral","sentiment_score":0.18863514065742493}],"sentiment":"neutral","sentiment_score":0.18863514065742493,"channel":1,"num_words":1,"start":869.985,"end":870.485},{"sentences":[{"text":"We I've then made some recommendations based on getting the goals that we're wanting to achieve.","start":872.53503,"end":879.69,"sentiment":"neutral","sentiment_score":0.3086827890947461},{"text":"So looking at how we can achieve the 400,000 in your super looking, you know, and above.","start":879.69,"end":888.02997,"sentiment":"neutral","sentiment_score":0.31461453087189617},{"text":"Looking at how we can ultimately grow the funds you have, be tax effective, and hit all the points.","start":888.65,"end":895.96497,"sentiment":"positive","sentiment_score":0.360719391389897}],"sentiment":"neutral","sentiment_score":0.3296353862835811,"channel":0,"num_words":52,"start":872.53503,"end":895.96497},{"sentences":[{"text":"Mhmm.","start":896.585,"end":897.085,"sentiment":"neutral","sentiment_score":0.017595481127500534}],"sentiment":"neutral","sentiment_score":0.017595481127500534,"channel":1,"num_words":1,"start":896.585,"end":897.085},{"sentences":[{"text":"I looked at PSAT.","start":896.745,"end":898.685,"sentiment":"neutral","sentiment_score":0.00702381506562233},{"text":"The 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moving.","start":954.315,"end":957.05505,"sentiment":"positive","sentiment_score":0.5804622061550617},{"text":"So it works really nicely for for you as well.","start":958.47504,"end":961.29504,"sentiment":"positive","sentiment_score":0.8237898588180542},{"text":"Now","start":961.435,"end":961.935,"sentiment":"neutral","sentiment_score":0.18735408782958984}],"sentiment":"positive","sentiment_score":0.6878394908026645,"channel":0,"num_words":19,"start":954.315,"end":961.935},{"sentences":[{"text":"Yep.","start":961.8,"end":962.3,"sentiment":"neutral","sentiment_score":0.16092205047607422}],"sentiment":"neutral","sentiment_score":0.16092205047607422,"channel":1,"num_words":1,"start":961.8,"end":962.3},{"sentences":[{"text":"what I'm ultimately recommending is that we do a full consolidation from PWSA pay over to Hub twenty four.","start":962.45996,"end":969.04,"sentiment":"neutral","sentiment_score":0.18159760181841098},{"text":"Now we will only complete that once you submitted the notice 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four.","start":1026.92,"end":1039.665,"sentiment":"neutral","sentiment_score":-0.0946638973429799},{"text":"So Hub twenty four allow us to invest in a bunch of different assets under available under market.","start":1039.665,"end":1048.165,"sentiment":"neutral","sentiment_score":0.10953786720832188},{"text":"Now we, internally, we don't invest in anything that's risky.","start":1048.59,"end":1051.7899,"sentiment":"neutral","sentiment_score":-0.12669138982892036},{"text":"We invest in, you know, exchange trade funds or managed funds that are guaranteed and backed.","start":1051.7899,"end":1061.055,"sentiment":"neutral","sentiment_score":0.02937890379689634}],"sentiment":"neutral","sentiment_score":-0.08055296402205439,"channel":0,"num_words":85,"start":1022.28,"end":1061.055},{"sentences":[{"text":"So when we do our research, we only offer investment grade or above investments.","start":1061.135,"end":1066.515,"sentiment":"neutral","sentiment_score":0.025102532601782253},{"text":"So we don't we don't invest in anything that's risky or anything that's new to market.","start":1066.895,"end":1071.7151,"sentiment":"neutral","sentiment_score":-0.30104292649775743},{"text":"We wanna make sure that we're obviously popping our clients into investments that are going to be beneficial to them long term, especially when we talk about superannuation.","start":1073.23,"end":1084.0499,"sentiment":"positive","sentiment_score":0.4315930977463722},{"text":"Now PWSA pay only have a very limited investment offering.","start":1085.71,"end":1091.535,"sentiment":"neutral","sentiment_score":0.03331490382552147},{"text":"So they have their multi asset offerings, and that's all they really offer.","start":1091.8351,"end":1096.895,"sentiment":"neutral","sentiment_score":0.25065633769218737}],"sentiment":"neutral","sentiment_score":0.13840786169892477,"channel":0,"num_words":81,"start":1061.135,"end":1096.895},{"sentences":[{"text":"There's no other ability to diversify out, and the returns 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investment platform than just a a super funds like your your industry funds are.","start":1180.74,"end":1185.8,"sentiment":"positive","sentiment_score":0.3433980751368735},{"text":"Yeah.","start":1187.22,"end":1187.72,"sentiment":"neutral","sentiment_score":-0.0595787949860096},{"text":"Now, ultimately, what we're gonna look at doing is transferring all of the money that's in your account now over, which would be sitting up over a $100,000 based on the contribution that you've made into the fund,","start":1189.38,"end":1201.005,"sentiment":"neutral","sentiment_score":0.1099948383083469}],"sentiment":"neutral","sentiment_score":0.303469910277663,"channel":0,"num_words":107,"start":1165.0801,"end":1201.005},{"sentences":[{"text":"Yep.","start":1201.295,"end":1201.795,"sentiment":"positive","sentiment_score":0.41344302892684937}],"sentiment":"positive","sentiment_score":0.41344302892684937,"channel":1,"num_words":1,"start":1201.295,"end":1201.795},{"sentences":[{"text":"which is 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problem is that the the the 77 and a half was part of a 100,000.","start":1211.85,"end":1217.0499,"sentiment":"neutral","sentiment_score":-0.19171033333986998},{"text":"I pulled out of Latrobe","start":1217.0499,"end":1218.4299,"sentiment":"neutral","sentiment_score":-0.034018514305353166}],"sentiment":"neutral","sentiment_score":-0.1541646621411755,"channel":1,"num_words":21,"start":1211.85,"end":1218.4299},{"sentences":[{"text":"Yeah.","start":1218.47,"end":1218.95,"sentiment":"neutral","sentiment_score":-0.003842304460704326}],"sentiment":"neutral","sentiment_score":-0.003842304460704326,"channel":0,"num_words":1,"start":1218.47,"end":1218.95},{"sentences":[{"text":"at six","start":1218.6499,"end":1219.23,"sentiment":"neutral","sentiment_score":-0.009514542762190104}],"sentiment":"neutral","sentiment_score":-0.009514542762190104,"channel":1,"num_words":2,"start":1218.6499,"end":1219.23},{"sentences":[{"text":"Let's 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money.","start":1242.9601,"end":1252.2051,"sentiment":"neutral","sentiment_score":0.0850665073979784}],"sentiment":"neutral","sentiment_score":0.14566686793656672,"channel":1,"num_words":59,"start":1231.8401,"end":1252.2051},{"sentences":[{"text":"Yes.","start":1252.4651,"end":1252.9651,"sentiment":"neutral","sentiment_score":0.0427464172244072},{"text":"You","start":1254.305,"end":1254.4651,"sentiment":"neutral","sentiment_score":0.01394902914762497}],"sentiment":"neutral","sentiment_score":0.028347723186016086,"channel":0,"num_words":2,"start":1252.4651,"end":1254.4651},{"sentences":[{"text":"So","start":1254.345,"end":1254.665,"sentiment":"neutral","sentiment_score":0.01934272050857544}],"sentiment":"neutral","sentiment_score":0.01934272050857544,"channel":1,"num_words":1,"start":1254.345,"end":1254.665},{"sentences":[{"text":"did?","start":1254.4651,"end":1254.9651,"sentiment":"neutral","sentiment_score":0.007897143252193928}],"sentiment":"neutral","sentiment_score":0.007897143252193928,"channel":0,"num_words":1,"start":1254.4651,"end":1254.9651},{"sentences":[{"text":"I 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US.","start":1408.28,"end":1412.4601,"sentiment":"neutral","sentiment_score":0.05341381606246744},{"text":"And, again, these are all small holdings.","start":1414.535,"end":1416.395,"sentiment":"neutral","sentiment_score":0.044430230877229145},{"text":"They're our international holdings.","start":1416.535,"end":1418.235,"sentiment":"neutral","sentiment_score":0.04931154940277338}],"sentiment":"neutral","sentiment_score":0.06290784719641562,"channel":0,"num_words":54,"start":1398.04,"end":1418.235},{"sentences":[{"text":"Each of those have another anywhere between ten and fifty assets within them","start":1418.615,"end":1423.335,"sentiment":"neutral","sentiment_score":0.038183553860737726}],"sentiment":"neutral","sentiment_score":0.038183553860737726,"channel":0,"num_words":13,"start":1418.615,"end":1423.335},{"sentences":[{"text":"Mhmm.","start":1423.235,"end":1423.735,"sentiment":"neutral","sentiment_score":0.042100343853235245}],"sentiment":"neutral","sentiment_score":0.042100343853235245,"channel":1,"num_words":1,"start":1423.235,"end":1423.735},{"sentences":[{"text":"as well.","start":1423.335,"end":1423.995,"sentiment":"neutral","sentiment_score":0.04729493707418442}],"sentiment":"neutral","sentiment_score":0.04729493707418442,"channel":0,"num_words":2,"start":1423.335,"end":1423.995},{"sentences":[{"text":"Yep.","start":1424.92,"end":1425.42,"sentiment":"neutral","sentiment_score":0.08114060014486313}],"sentiment":"neutral","sentiment_score":0.08114060014486313,"channel":1,"num_words":1,"start":1424.92,"end":1425.42},{"sentences":[{"text":"Then our our middle two, I guess, is our S and P 500, which is very, very American heavy,","start":1425.67,"end":1432.97,"sentiment":"neutral","sentiment_score":0.046404360156310234}],"sentiment":"neutral","sentiment_score":0.046404360156310234,"channel":0,"num_words":19,"start":1425.67,"end":1432.97},{"sentences":[{"text":"Mhmm.","start":1433.4,"end":1433.9,"sentiment":"neutral","sentiment_score":0.06393653899431229}],"sentiment":"neutral","sentiment_score":0.06393653899431229,"channel":1,"num_words":1,"start":1433.4,"end":1433.9},{"sentences":[{"text":"and we have our beta shares Australia 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investment.","start":1436.7101,"end":1439.77,"sentiment":"neutral","sentiment_score":0.09455749866637317},{"text":"So","start":1440.3251,"end":1440.5651,"sentiment":"neutral","sentiment_score":0.09355590492486954}],"sentiment":"neutral","sentiment_score":0.09447403252124786,"channel":0,"num_words":12,"start":1436.7101,"end":1440.5651},{"sentences":[{"text":"Yep.","start":1440.4551,"end":1440.9551,"sentiment":"neutral","sentiment_score":-0.0007712736842222512}],"sentiment":"neutral","sentiment_score":-0.0007712736842222512,"channel":1,"num_words":1,"start":1440.4551,"end":1440.9551},{"sentences":[{"text":"what I guess, what this investment's or or strategy is is it's what's referred to as a core and satellite.","start":1440.5651,"end":1447.605,"sentiment":"neutral","sentiment_score":0.04167060945183039},{"text":"So you have a a bulk core of your investment, which is where the majority of your money sits, and then you have little satellites that sit out outside that is there to offset any of the the market volatility, which is what you'll find the last two do, the gold and your core composite bond.","start":1447.605,"end":1462.9099,"sentiment":"neutral","sentiment_score":0.12657298294029065},{"text":"They are both there to cushion and offset market volatility","start":1462.97,"end":1465.63,"sentiment":"neutral","sentiment_score":0.18959321677684784}],"sentiment":"neutral","sentiment_score":0.11415617908676003,"channel":0,"num_words":86,"start":1440.5651,"end":1465.63},{"sentences":[{"text":"Yep.","start":1466.3451,"end":1466.8451,"sentiment":"neutral","sentiment_score":0.15352588891983032}],"sentiment":"neutral","sentiment_score":0.15352588891983032,"channel":1,"num_words":1,"start":1466.3451,"end":1466.8451},{"sentences":[{"text":"or to capture growth in different areas.","start":1467.225,"end":1469.225,"sentiment":"neutral","sentiment_score":0.17900768986770085},{"text":"Because you don't wanna be sitting too heavily in, you know, one area versus another.","start":1469.225,"end":1473.145,"sentiment":"neutral","sentiment_score":0.0595085342725118},{"text":"You wanna make sure that you have a good blend of sectors and demographically as well.","start":1473.145,"end":1479.0,"sentiment":"neutral","sentiment_score":0.18519352190196514},{"text":"Makes 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next couple pages just kinda shows you, I guess, a visual breakdown of everything.","start":1488.2,"end":1492.46,"sentiment":"neutral","sentiment_score":0.1336713453133901},{"text":"Page 22.","start":1493.825,"end":1494.965,"sentiment":"neutral","sentiment_score":0.04903424717485905},{"text":"This shows the fees, the returns, and a breakdown of everything that's sitting there.","start":1495.745,"end":1502.805,"sentiment":"neutral","sentiment_score":0.07409828076405185},{"text":"Now there is obviously a massive difference between p, double f, a p to hub 24 in terms of fees and operational costs.","start":1503.585,"end":1513.37,"sentiment":"neutral","sentiment_score":-0.024212672982526863}],"sentiment":"neutral","sentiment_score":0.05438192026181655,"channel":0,"num_words":55,"start":1484.76,"end":1513.37},{"sentences":[{"text":"This stage is a like for like of your p, double f, a p to hub 24 as they basically currently stand.","start":1514.23,"end":1523.8049,"sentiment":"neutral","sentiment_score":0.022841485555876385},{"text":"So with with the the money that you put in, so you'll see this concessional contribution of $65.08 75.","start":1523.945,"end":1531.465,"sentiment":"neutral","sentiment_score":0.06966719364649371},{"text":"That's because once the tax comes off it, that's the net amount that goes into the fund and what that looks","start":1531.465,"end":1537.42,"sentiment":"neutral","sentiment_score":0.06130645672480265}],"sentiment":"neutral","sentiment_score":0.050219757302153493,"channel":0,"num_words":62,"start":1514.23,"end":1537.42},{"sentences":[{"text":"Mhmm.","start":1537.09,"end":1537.59,"sentiment":"neutral","sentiment_score":-0.009532579220831394}],"sentiment":"neutral","sentiment_score":-0.009532579220831394,"channel":1,"num_words":1,"start":1537.09,"end":1537.59},{"sentences":[{"text":"like compounding.","start":1537.42,"end":1538.2201,"sentiment":"neutral","sentiment_score":-0.008686459972523153},{"text":"So if you pop down to the next page, you'll see that compounding, that's what the outcome is with respect to the accounts after five and seven years.","start":1538.2201,"end":1548.56,"sentiment":"neutral","sentiment_score":0.08334081673196383},{"text":"And that's with your current con like, your current employer contributions as they currently stand with the 15% of your current wage and just that one off contribution.","start":1551.335,"end":1560.315,"sentiment":"neutral","sentiment_score":0.07222092657216958},{"text":"I wanted to stage this out so you could see kind of how it flows as we progress the stages.","start":1560.775,"end":1565.8099,"sentiment":"neutral","sentiment_score":0.19225278683006763},{"text":"Does that make 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two.","start":1566.67,"end":1570.75,"sentiment":"neutral","sentiment_score":0.007549724231163661},{"text":"Okay?","start":1570.75,"end":1571.25,"sentiment":"neutral","sentiment_score":0.04696422815322876}],"sentiment":"neutral","sentiment_score":0.010581609148245592,"channel":0,"num_words":13,"start":1566.67,"end":1571.25},{"sentences":[{"text":"Yep.","start":1571.46,"end":1571.86,"sentiment":"neutral","sentiment_score":0.08969005942344666},{"text":"Yep.","start":1571.86,"end":1572.36,"sentiment":"neutral","sentiment_score":0.14327846467494965}],"sentiment":"neutral","sentiment_score":0.11648426204919815,"channel":1,"num_words":2,"start":1571.46,"end":1572.36},{"sentences":[{"text":"Cool.","start":1572.11,"end":1572.61,"sentiment":"neutral","sentiment_score":0.27083760499954224},{"text":"Now 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funds.","start":1575.14,"end":1579.78,"sentiment":"neutral","sentiment_score":-0.018791938200592995},{"text":"Right?","start":1579.78,"end":1580.085,"sentiment":"neutral","sentiment_score":0.06591098010540009}],"sentiment":"neutral","sentiment_score":-0.013498005806468427,"channel":1,"num_words":16,"start":1575.14,"end":1580.085},{"sentences":[{"text":"Yes.","start":1580.5349,"end":1581.0349,"sentiment":"neutral","sentiment_score":0.10678601264953612}],"sentiment":"neutral","sentiment_score":0.10678601264953612,"channel":0,"num_words":1,"start":1580.5349,"end":1581.0349},{"sentences":[{"text":"Yep.","start":1586.245,"end":1586.745,"sentiment":"neutral","sentiment_score":0.07507148385047913},{"text":"Okay.","start":1588.245,"end":1588.745,"sentiment":"neutral","sentiment_score":0.03556590527296066}],"sentiment":"neutral","sentiment_score":0.055318694561719894,"channel":1,"num_words":2,"start":1586.245,"end":1588.745},{"sentences":[{"text":"Which is why we we implement a few other 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you're not gonna have any carry like, carry forward concessional contribution caps left once you've made this this like, these contributions.","start":1637.715,"end":1647.44,"sentiment":"neutral","sentiment_score":0.047975152053616264},{"text":"So the 77,000 plus the $99,000 uses up all of that space that we that we","start":1647.44,"end":1652.7999,"sentiment":"neutral","sentiment_score":0.13191201351583004}],"sentiment":"neutral","sentiment_score":0.1125921867787838,"channel":0,"num_words":74,"start":1617.09,"end":1652.7999},{"sentences":[{"text":"Yep.","start":1652.79,"end":1653.29,"sentiment":"neutral","sentiment_score":-0.0009836083045229316}],"sentiment":"neutral","sentiment_score":-0.0009836083045229316,"channel":1,"num_words":1,"start":1652.79,"end":1653.29},{"sentences":[{"text":"previously had from years that you hadn't 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Gyro?","start":1694.465,"end":1696.005,"sentiment":"neutral","sentiment_score":-0.07418051149163928},{"text":"The the the 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ask me why I butchered that, but anyway so I wanted to look at liquidating those, and the biggest reason is that it'll the interest will reduce the amount of tax that your wife has to pay.","start":1703.97,"end":1720.555,"sentiment":"neutral","sentiment_score":0.04552275765883295},{"text":"So it means that there's not gonna be as much of a push on on that side of things for her with with the tax returns, and it's gonna have a better compound because your 6% that you're earning are well, I mean, Griffin is not it's it's just stock option.","start":1722.1901,"end":1738.6649,"sentiment":"neutral","sentiment_score":0.14656922666757716},{"text":"So it's it's a it's a different sort of kettle fish, but the returns aren't there within that within that asset that I can 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$100,000.","start":1794.87,"end":1796.3301,"sentiment":"neutral","sentiment_score":0.10316409170627594}],"sentiment":"neutral","sentiment_score":0.06973526068031788,"channel":1,"num_words":14,"start":1790.485,"end":1796.3301},{"sentences":[{"text":"Yeah.","start":1796.505,"end":1796.6649,"sentiment":"neutral","sentiment_score":0.14868173003196716},{"text":"Yes.","start":1796.6649,"end":1797.065,"sentiment":"neutral","sentiment_score":0.1781633049249649},{"text":"So we can make that nonconcessionally.","start":1797.065,"end":1799.085,"sentiment":"neutral","sentiment_score":0.22604476908842722},{"text":"So it 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would","start":3447.545,"end":3448.025,"sentiment":"neutral","sentiment_score":-0.006669699680060148}],"sentiment":"neutral","sentiment_score":-0.006669699680060148,"channel":0,"num_words":2,"start":3447.545,"end":3448.025},{"sentences":[{"text":"So","start":3448.085,"end":3448.585,"sentiment":"neutral","sentiment_score":-0.03016231954097748}],"sentiment":"neutral","sentiment_score":-0.03016231954097748,"channel":1,"num_words":1,"start":3448.085,"end":3448.585},{"sentences":[{"text":"no.","start":3448.105,"end":3448.585,"sentiment":"neutral","sentiment_score":-0.0645667016506195},{"text":"No.","start":3448.585,"end":3448.9849,"sentiment":"neutral","sentiment_score":-0.024110324680805206},{"text":"So it was totally good.","start":3448.9849,"end":3450.525,"sentiment":"neutral","sentiment_score":0.2786794871091843},{"text":"It all matched up perfectly.","start":3450.9849,"end":3452.4448,"sentiment":"positive","sentiment_score":0.42981932163238523}],"sentiment":"neutral","sentiment_score":0.28781808478136856,"channel":0,"num_words":12,"start":3448.105,"end":3452.4448},{"sentences":[{"text":"yeah.","start":3452.4949,"end":3452.6548,"sentiment":"neutral","sentiment_score":0.29909735918045044},{"text":"Good in the end.","start":3452.6548,"end":3453.3748,"sentiment":"positive","sentiment_score":0.4198015108704567},{"text":"Thank you.","start":3453.3748,"end":3454.035,"sentiment":"positive","sentiment_score":0.4477081447839737},{"text":"Alright.","start":3454.255,"end":3454.755,"sentiment":"neutral","sentiment_score":0.32926297187805176},{"text":"That's great.","start":3454.815,"end":3455.295,"sentiment":"positive","sentiment_score":0.5383759140968323}],"sentiment":"positive","sentiment_score":0.4279734492301941,"channel":1,"num_words":10,"start":3452.4949,"end":3455.295},{"sentences":[{"text":"Thanks for your time, Lisa.","start":3455.295,"end":3456.1748,"sentiment":"positive","sentiment_score":0.6196484804153443},{"text":"Appreciate it.","start":3456.1748,"end":3457.1548,"sentiment":"positive","sentiment_score":0.5042329281568527}],"sentiment":"positive","sentiment_score":0.5866726083414895,"channel":1,"num_words":7,"start":3455.295,"end":3457.1548},{"sentences":[{"text":"Not a problem at all, Mark.","start":3457.035,"end":3458.1548,"sentiment":"neutral","sentiment_score":0.14606629063685736},{"text":"We will chat","start":3458.1548,"end":3458.7148,"sentiment":"neutral","sentiment_score":0.08065711458524068}],"sentiment":"neutral","sentiment_score":0.12426323195298512,"channel":0,"num_words":9,"start":3457.035,"end":3458.7148},{"sentences":[{"text":"Okay.","start":3458.5747,"end":3459.0747,"sentiment":"neutral","sentiment_score":0.05811444669961929}],"sentiment":"neutral","sentiment_score":0.05811444669961929,"channel":1,"num_words":1,"start":3458.5747,"end":3459.0747},{"sentences":[{"text":"later.","start":3458.7148,"end":3459.2148,"sentiment":"neutral","sentiment_score":0.056351616978645325}],"sentiment":"neutral","sentiment_score":0.056351616978645325,"channel":0,"num_words":1,"start":3458.7148,"end":3459.2148},{"sentences":[{"text":"Okay.","start":3459.3748,"end":3459.8748,"sentiment":"neutral","sentiment_score":0.0683511346578598},{"text":"Ciao.","start":3459.9348,"end":3460.4348,"sentiment":"neutral","sentiment_score":0.11040779948234558}],"sentiment":"neutral","sentiment_score":0.08937946707010269,"channel":1,"num_words":2,"start":3459.3748,"end":3460.4348},{"sentences":[{"text":"Bye.","start":3460.8748,"end":3461.3748,"sentiment":"neutral","sentiment_score":0.08348792046308517}],"sentiment":"neutral","sentiment_score":0.08348792046308517,"channel":0,"num_words":1,"start":3460.8748,"end":3461.3748},{"sentences":[{"text":"Bye.","start":3460.8948,"end":3461.3948,"sentiment":"neutral","sentiment_score":0.07116374373435974},{"text":"Bye.","start":3461.4548,"end":3461.9548,"sentiment":"neutral","sentiment_score":0.048275113105773926}],"sentiment":"neutral","sentiment_score":0.059719428420066833,"channel":1,"num_words":2,"start":3460.8948,"end":3461.9548}]},"summary":{"result":"success","short":"The speaker explains that a non considerational contribution is required to claim a tax refund to reduce income and taxable income, and that the Superfund will pay off the remaining balance on the financial year. The contribution is not a tax-related issue, but rather a tax-related one. The speaker recommends a multi-asset investment platform called Hub 24 and emphasizes the importance of balancing the investment portfolio and avoiding unnecessary fees. The speaker discusses retirement plans, setting up a retirement plan, and updating projections and retirement plans. They emphasize the importance of reducing taxable income and setting up a retirement plan to avoid overwhelm, and provide information on accessing a part pension on Centrelink. The speaker emphasizes the importance of setting up an offset account and closing it out, and provides instructions for sending documents electronically."},"intents":{"segments":[{"text":"Did you get the message regarding Superfund? So Which one?","start_word":83,"end_word":92,"intents":[{"intent":"Discuss superfund accounts","confidence_score":0.0037105833}]},{"text":"We obviously did speak about possible inheritance coming through in the future that was disregarded because time frames.","start_word":346,"end_word":363,"intents":[{"intent":"Discuss inheritance and inheritance considerations","confidence_score":0.002960989}]},{"text":"So any sort of debt repayment strategies, I can't consider until we have the mortgage.","start_word":450,"end_word":464,"intents":[{"intent":"Discuss debt repayment strategies","confidence_score":0.416357}]},{"text":"So what I looked at was tax effectiveness and growth. So one of the goals you had was you were sort of looking at trying to double the the projected balance that you had had sort of looked at. You were looking at sort of at about 2 Yep. $100,000.","start_word":467,"end_word":516,"intents":[{"intent":"Discuss tax effectiveness and growth goals","confidence_score":0.61136776}]},{"text":"And, obviously, taking into consideration the fact that you do want to expand and increase to about that $400,000 mark. Mhmm.","start_word":559,"end_word":579,"intents":[{"intent":"Discuss psa fund expand funds","confidence_score":0.000003895496}]},{"text":"Now what that will do is that will convert that those funds from a taxable component into a tax free component. Yes.","start_word":645,"end_word":666,"intents":[{"intent":"Convert funds into tax-free component","confidence_score":0.23706004}]},{"text":"So from a tax perspective, it's going to reduce your taxable income quite considerably this financial year, and we'll give you a bit of tax back when you do submit your tax return, which is fun.","start_word":704,"end_word":739,"intents":[{"intent":"Discuss benefits of tax return","confidence_score":0.00022179095}]},{"text":"at all submitted that form with p, double f, a p yet? No.","start_word":771,"end_word":783,"intents":[{"intent":"Confirm submission of form","confidence_score":0.18731241}]},{"text":"So as the money's in, it can be converted at any point.","start_word":834,"end_word":845,"intents":[{"intent":"Confirm conversion and receipt","confidence_score":0.0000035138326}]},{"text":"the Superfund does is, basically, they give you a receipt, Yep. Perfect. and you take that receipt to your account until when you do your tax return, Perfect. and it works Yep. with any kind of deduction, Okay. basically. Yep. That's good. That's good. Yeah.","start_word":941,"end_word":985,"intents":[{"intent":"Confirm receipt from superfund","confidence_score":0.0025503265}]},{"text":"So, you know, that that that bit of tax benefit is gonna help offset those costs. So, you know, Yeah. it's it's not gonna flow through to cash for us. It's probably gonna get gobbled up in dealing with tax. Yes and no.","start_word":1035,"end_word":1077,"intents":[{"intent":"Address tax concerns","confidence_score":0.011685885}]},{"text":"your wife's gonna get hit with the tax, That's right.","start_word":1374,"end_word":1383,"intents":[{"intent":"Estimate tax impact","confidence_score":0.017495248}]},{"text":"So it ends up being, like, if you consider the tax all around, then, yes, the difference is about that that 10 to 12. Yep.","start_word":1731,"end_word":1755,"intents":[{"intent":"Calculate difference","confidence_score":0.2281663},{"intent":"Calculate difference","confidence_score":0.44728425},{"intent":"Determine difference","confidence_score":0.01897951},{"intent":"Determine tax cost","confidence_score":0.00021163543}]},{"text":"And then from there, you get your marginal rate back. Yep.","start_word":1811,"end_word":1821,"intents":[{"intent":"Calculate marginal rate","confidence_score":0.18411748}]},{"text":"So that that money's already in. We just need to submit the notice of intent to claim, which, realistically, we can't we just submit just before you go and sit down with your accountant.","start_word":2234,"end_word":2267,"intents":[{"intent":"Submit notice of claim","confidence_score":0.06667907}]},{"text":"So we don't we don't invest in anything that's risky or anything that's new to market. We wanna make sure that we're obviously popping our clients into investments that are going to be beneficial to them long term, especially when we talk about superannuation.","start_word":2829,"end_word":2872,"intents":[{"intent":"Assist with investments","confidence_score":0.00025461265}]},{"text":"Now, ultimately, what we're gonna look at doing is transferring all of the money that's in your account now over, which would be sitting up over a $100,000 based on the contribution that you've made into the fund, Yep.","start_word":3150,"end_word":3188,"intents":[{"intent":"Transfer funds","confidence_score":0.33413294}]},{"text":"that's that's a bit I need to understand whether I can do or I can't do. Or how do I set that up and how does that all work? And and the other Yeah.","start_word":3382,"end_word":3415,"intents":[{"intent":"Understand setup","confidence_score":0.24641114}]},{"text":"I guess you're gonna get to it, but the other thing that's rolling around my head is making additional contributions every fortnight into the super fund to kinda Yep. accelerate this whole process. Because we we we can do that as well. But I expect you probably cover that off I to some sure point. do.","start_word":3416,"end_word":3471,"intents":[{"intent":"Make contributions","confidence_score":0.40201747}]},{"text":"what what I'm recommending Yep. is if you have a look, you can see the breakdown on page 20 if you have it open. Cool.","start_word":3522,"end_word":3546,"intents":[{"intent":"Recommend investments","confidence_score":0.009710522},{"intent":"Recommend investments","confidence_score":0.012570909},{"intent":"Recommend investments","confidence_score":0.10939001}]},{"text":"So as you'll see, the first word of each line is actually the investment manager. So your BetaShares, iShares, your Vanguard, Global X. They are all investment managers.","start_word":3566,"end_word":3593,"intents":[{"intent":"Discuss investment managers","confidence_score":0.047832113}]},{"text":"It says it's a cybersecurity, so it's a bit of, like, thematics in the in the investment.","start_word":3667,"end_word":3683,"intents":[{"intent":"Discuss cybersecurity in investment","confidence_score":0.00020675952}]},{"text":"what I guess, what this investment's or or strategy is is it's what's referred to as a core and satellite.","start_word":3866,"end_word":3885,"intents":[{"intent":"Explain investment strategy","confidence_score":0.17129208},{"intent":"Explain investment strategy","confidence_score":0.15355016},{"intent":"Explain investment model","confidence_score":0.0013676409},{"intent":"Explain investment strategy","confidence_score":0.15153316},{"intent":"Explain investment process","confidence_score":0.17459577},{"intent":"Explain investment strategy","confidence_score":0.14342573},{"intent":"Explain financial strategy","confidence_score":0.0017066842}]},{"text":"The next couple pages just kinda shows you, I guess, a visual breakdown of everything. Page 22.","start_word":3997,"end_word":4013,"intents":[{"intent":"Provide portfolio overview","confidence_score":0.0013249476}]},{"text":"The next couple pages just kinda shows you, I guess, a visual breakdown of everything. Page 22. This shows the fees, the returns, and a breakdown of everything that's sitting there.","start_word":3997,"end_word":4027,"intents":[{"intent":"Provide information","confidence_score":0.0032731665}]},{"text":"So this is only stage one as a comparison between the two. Okay? Yep.","start_word":4196,"end_word":4209,"intents":[{"intent":"Explain comparing funds","confidence_score":0.000020604972},{"intent":"Explain process for comparison","confidence_score":0.00002363119}]},{"text":"So next financial year, what we would look at doing is make another $9,390 contribution. So that can technically be made anytime during next financial year depending on your cash flow.","start_word":4248,"end_word":4278,"intents":[{"intent":"Make a contribution","confidence_score":0.33942065}]},{"text":"So you're not gonna have any carry like, carry forward concessional contribution caps left once you've made this this like, these contributions. So the 77,000 plus the $99,000 uses up all of that space that we that we Yep. previously had from years that you hadn't used. Okay? Now following Yep.","start_word":4340,"end_word":4390,"intents":[{"intent":"Use concessional caps","confidence_score":0.036239132}]},{"text":"that, what I wanted to do was I actually wanted to look at liquidating some of the assets that your wife has in her name.","start_word":4391,"end_word":4415,"intents":[{"intent":"Evaluate liquidating assets","confidence_score":0.0010504419}]},{"text":"And what I wanna do is I wanna get them that that money compounding for you guys and really working on it rather sort of sitting a bit stagnant.","start_word":4613,"end_word":4641,"intents":[{"intent":"Compound money","confidence_score":0.57229984}]},{"text":"And because of your age, if there's any need to access it, we can access it, and it's tax free. And that's where that biggest benefit comes from is we're not gonna be, you know, paying tax on any of the gains or anything like that Yeah.","start_word":4757,"end_word":4803,"intents":[{"intent":"Access funds","confidence_score":0.0038943775}]},{"text":"So I wanted to make that that as a contribution there. Mhmm.","start_word":4842,"end_word":4853,"intents":[{"intent":"Make contribution","confidence_score":0.62575537}]},{"text":"And what I wanted to do was basically convert some of your income to the amount of about $661 a fortnight into super contributions.","start_word":4958,"end_word":4981,"intents":[{"intent":"Convert income to super contributions","confidence_score":0.124078244}]},{"text":"So I know, like, selling the Griffin stocks.","start_word":5484,"end_word":5491,"intents":[{"intent":"Sell griffin stocks","confidence_score":0.115838744}]},{"text":"We we sell the we sell the Griffin stocks that sort of, I guess, gets rid of something that you had access to liquidity liquidity Yep. wise.","start_word":5500,"end_word":5526,"intents":[{"intent":"Manage liquidity liquidity","confidence_score":0.005719665}]},{"text":"there's still the availability that if anything happens, you have access to your super funds.","start_word":5529,"end_word":5543,"intents":[{"intent":"Access super funds","confidence_score":0.7309647}]},{"text":"there's still the availability that if anything happens, you have access to your super funds. But second to that, and I think a little bit longer term, I just didn't wanna overwhelm you too too much to begin with. Yep. And because, obviously, Latrobe isn't currently, like, like, isn't currently available liquid wise.","start_word":5529,"end_word":5581,"intents":[{"intent":"Verify liquidity liquidity availability","confidence_score":0.00000641103}]},{"text":"And because, obviously, Latrobe isn't currently, like, like, isn't currently available liquid wise. I know you've I know you've got that $20 stay in sitting in cash, but the other 128 is invested until April of next year. Yeah.","start_word":5569,"end_word":5607,"intents":[{"intent":"Discuss future investment plans","confidence_score":0.004767376}]},{"text":"Because we're not we we're gonna leave that 77 and a half in there, aren't we?","start_word":5976,"end_word":5991,"intents":[{"intent":"Clarify 77 and half","confidence_score":0.01819953},{"intent":"Leave 77 and half","confidence_score":0.14775595}]},{"text":"Now when the plan all works and all things happen, if we if we follow the advice and we do everything that I've kind of outlined, and, of course, we're gonna update these projections and have a look at everything each year as things change or if you have to pull more money. We're looking more along the $500,000 mark rather than that $200,000 that we were looking at to be in this.","start_word":6093,"end_word":6165,"intents":[{"intent":"Update projections","confidence_score":0.32444742}]},{"text":"And, like, because I was I didn't talk to your wife. I couldn't really take into consideration, like, her tax side, but I guess as benefits that have been felt from this, the more money we take off her and pop this way, Yep. the better her The taxes better for you. should become. Oh, definitely.","start_word":6229,"end_word":6284,"intents":[{"intent":"Assess retirement eligibility","confidence_score":2.4497004e-8}]},{"text":"it just kind of overcomplicates it and creates complexities. No.","start_word":6790,"end_word":6799,"intents":[{"intent":"Discuss complexities of inheritance money","confidence_score":0.000021706937}]},{"text":"How do how do you how do you actually make a a withdrawal out of a super fund apart from having that pay the the pension?","start_word":7121,"end_word":7146,"intents":[{"intent":"Request information","confidence_score":0.009210497}]},{"text":"My account was talking about something about $310,000 contribution I can make from I don't know. I need to find out from what he was talking about. I was just trying to get finalization of the 77 and a half.","start_word":7372,"end_word":7411,"intents":[{"intent":"Find out about contributions","confidence_score":0.017396145}]},{"text":"My account was talking about something about $310,000 contribution I can make from I don't know. I need to find out from what he was talking about. I was just trying to get finalization of the 77 and a half. Yes.","start_word":7372,"end_word":7412,"intents":[{"intent":"Make a contribution","confidence_score":0.000086414926},{"intent":"Discuss contribution amount","confidence_score":0.023393854}]},{"text":"I was just trying to get finalization of the 77 and a half.","start_word":7399,"end_word":7411,"intents":[{"intent":"Finalize 77 and a half","confidence_score":0.4655187}]},{"text":"But I mean, he was the talking the about the number's something. off, but, yes, I know What exactly what he's talking what about. what what's that relate to?","start_word":7414,"end_word":7442,"intents":[{"intent":"Confirm understanding","confidence_score":0.056554936}]},{"text":"That is a carry oh, sorry. It's a bring forward non concessional contribution. So it means it's already tax paid. Money can can be contributed into the super fund.","start_word":7443,"end_word":7471,"intents":[{"intent":"Discuss tax payment","confidence_score":0.010506524}]},{"text":"But right now, from liquid assets, police Yeah.","start_word":7611,"end_word":7618,"intents":[{"intent":"Discuss contribution from liquid assets","confidence_score":0.011950366}]},{"text":"is I get not available. I get it. The Okay.","start_word":7622,"end_word":7631,"intents":[{"intent":"Confirm availability","confidence_score":0.015546074}]},{"text":"Right. And he's a really good I mean, he's a he's a family friend, and he's a really, really great bloke.","start_word":7645,"end_word":7665,"intents":[{"intent":"Express gratitude","confidence_score":0.29523048}]},{"text":"And I don't pressure him because, you know, the relationship we have with him. So but he's extremely helpful. So Good. I don't mind and I don't mind you talking to him. Or I can get him to talk to you if that becomes necessary Yeah. at any point.","start_word":7667,"end_word":7715,"intents":[{"intent":"Discuss with husband","confidence_score":0.004807485}]},{"text":"What would happen is if my beneficiary nomination, which is currently 100% to my husband, because it is quicker and more efficient for him to receive the funds through a direct Mhmm.","start_word":7985,"end_word":8016,"intents":[{"intent":"Review nomination process","confidence_score":0.0008706426},{"intent":"Explain nomination process","confidence_score":0.19662185}]},{"text":"Most super funds are actually updating their processes, and legislation has basically updated to cease what used to be called claims taking, which is where they would basically put an ad in the newspaper and say, hey. This person's passed away. Does anyone feel as though they have rights to the estate?","start_word":8110,"end_word":8161,"intents":[{"intent":"Provide information","confidence_score":0.015962288}]},{"text":"Does anyone feel as though they have rights to the estate?","start_word":8151,"end_word":8161,"intents":[{"intent":"Provide clarification on eligibility","confidence_score":0.0013119747}]},{"text":"So what do you need now to move forward?","start_word":8305,"end_word":8313,"intents":[{"intent":"Discuss future steps","confidence_score":0.024261517}]},{"text":"But what I need to do is I need to send you a whole pack of documents. We do that Okay.","start_word":8360,"end_word":8380,"intents":[{"intent":"Create documents","confidence_score":0.005745588}]},{"text":"So which virtually means it's being salary sacrificed. Right? Correct.","start_word":8826,"end_word":8835,"intents":[{"intent":"Discussing salary reduction","confidence_score":0.00054538954}]},{"text":"And then on the other side of the relationship, you get fees on the investments? No.","start_word":8931,"end_word":8946,"intents":[{"intent":"Discussing investment fees","confidence_score":0.002350282}]},{"text":"Nope. No. There are no no kickbacks from the investments at all. So I could put you in any number any number of a thousand different investment options.","start_word":8950,"end_word":8977,"intents":[{"intent":"Discussing compensation options","confidence_score":0.0018347106},{"intent":"Discussing investment options","confidence_score":0.30337325}]},{"text":"The other thing that I wanted to touch on is that to implement the advice, we do need your tax fund.","start_word":9065,"end_word":9085,"intents":[{"intent":"Implement advice and guidance","confidence_score":0.00008883367}]},{"text":"I'll get everything sent to you so you can when you Good finish work.","start_word":9726,"end_word":9739,"intents":[{"intent":"Provide timeline feedback","confidence_score":0.000005576323}]}]},"sentiments":{"segments":[{"text":"Mark Wallace. Hi, Mark. Hello? Hi, Mark. It's Larissa from Mercury Financial. How Hey. are you going?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.13437296450138092},{"text":"Good.","start_word":17,"end_word":17,"sentiment":"positive","sentiment_score":0.4846354126930237},{"text":"How are you? Not too bad. I quickly grabbed a bite to eat before I gave you a call. Otherwise, it was gonna be too late. That's alright. It's fine.","start_word":18,"end_word":47,"sentiment":"neutral","sentiment_score":0.06237627565860748},{"text":"The day has run away from me.","start_word":48,"end_word":54,"sentiment":"negative","sentiment_score":-0.5838308930397034},{"text":"Yeah.","start_word":55,"end_word":55,"sentiment":"neutral","sentiment_score":-0.2663722336292267},{"text":"Now it's gone.","start_word":56,"end_word":58,"sentiment":"negative","sentiment_score":-0.416620671749115},{"text":"Almost gone, isn't it? Yeah. That's okay. So is the month. That's that's alright. How have you Yeah. been?","start_word":59,"end_word":77,"sentiment":"neutral","sentiment_score":-0.020897118374705315},{"text":"Been good.","start_word":78,"end_word":79,"sentiment":"positive","sentiment_score":0.3587547242641449},{"text":"Been good. Yep. Did you get the message regarding Superfund? So Which one? we deposited funds in the Superfund? Yes. Yes. Yeah. Yes. Yes. Okay. Yes. Yes. I Had did to had say. to do that because the cutoff was the eighteenth. Yes. The p a s p or double double Yeah. p a s p. Yeah. Yeah. No. I yes. I did I did see Okay. that email. Cool. So I pivoted, and and I incorporated that into the advice based on the amount that you Right. put in. Yep. Yep. And then just kind of it didn't really change too too much. It just, I guess, Not. changed what I was doing for the year versus everything else, Yep. Yep. but that's okay. Okay. Cool. So two, I guess I should open as well. I've emailed you with the statement of advice so that way we can go through it together. Okay. Let me just grab my other computer. Okay. Got Cool. it. Alright. Well, before we jump into it, I guess, too much, I should let you Mhmm. know that our calls are recorded if you're okay with that.","start_word":80,"end_word":271,"sentiment":"neutral","sentiment_score":0.03807147964835167},{"text":"Oh, shit.","start_word":272,"end_word":273,"sentiment":"negative","sentiment_score":-0.4701626002788544},{"text":"Alright. So, basically, the the the document has a whole details, I guess, the conversations we went through and then the outcomes to all the research that I put together. Yes. Now we obviously talked about a a number of a number of different things. Mainly focus like, the main focus of this advice document is on, like, your superannuation, the retirement strategies, and where that kind of comes to play. Yes. We obviously did speak about possible inheritance coming through in the future that was disregarded because time frames. Yep. Yep. We're done. Yeah. That's right. And I did consider the age pension. However, things do possibly Sure. change with the inheritance coming through. So I haven't put any sort of, I guess, Centrelink or age pension considerations in this document because we do have the expected change that will occur within Yep. the next five years or so. Yep. And then, obviously, the house is happening and you guys are building that, and we don't know exactly what the mortgage looks like as yet. So any sort of debt repayment strategies, I can't consider until we have the mortgage. Yep.","start_word":274,"end_word":465,"sentiment":"neutral","sentiment_score":-0.018335378903429955},{"text":"Cool.","start_word":466,"end_word":466,"sentiment":"positive","sentiment_score":0.4496280550956726},{"text":"So what I looked at was tax effectiveness and growth. So one of the goals you had was you were sort of looking at trying to double the the projected balance that you had had sort of looked at. You were looking at sort of at about 2 Yep. $100,000. When I went and had a look at, you know, projecting out where your current position sat, I had the same sort of outcome. I think it started at 203 ish. Yep. So same sort of outcome on on that front. Yep. And, obviously, taking into consideration the fact that you do want to expand and increase to about that $400,000 mark. Mhmm. Now you've currently already put money into your PSAP fund Yep. Mhmm. to the amount of $70. It's $77.70 Yeah. 77 seventy and seven a half. and a half. Yep. Yeah. Now, generally speaking, that money would have landed as a non concessional contribution Mhmm. and will require what's called a notice of intent to claim to be That's submitted right. alongside it. Yep. Yep. Now what that will do is that will convert that those funds from a taxable component into a tax free component. Yes. You you have sorry. Other way around. Tax free component into a taxable, and the super fund will tax it, That's which right.","start_word":467,"end_word":689,"sentiment":"neutral","sentiment_score":0.09745638042421084},{"text":"enables you to then claim those funds back on your tax return. That's right. So from a tax perspective, it's going to reduce your taxable income quite considerably this financial year, and we'll give you a bit of tax back when you do submit your tax return, which is fun.","start_word":690,"end_word":739,"sentiment":"positive","sentiment_score":0.5265740156173706},{"text":"With respect to the contribution made, I wanted to confirm because I have drawn up a notice of intent to claim form for you to help you out. Have you Yep. at all submitted that form with p, double f, a p yet? No. No. Cool. I wasn't Well, gonna do that till the New Year. yeah, it's 06/01 half, not the other. Like, you can you have twelve months after the end of the financial year to submit it. That's right. Yep. So it's not an issue either either way time frame wise. So as the money's in, it can be converted at any point. Yep. But I've drafted that up for you to to help you out because it's But a does not that that it's a pain, but it's a no. bit of a document. No. No. I know. And it does that does it need to go does it know some intent need to happen before the tax is completed or Yes. does it happen at the same time? No. So you need to submit the notice of intent to claim document to the Superfund first Yep. before you submit your tax return. And then what Okay. the Superfund does is, basically, they give you a receipt, Yep.","start_word":740,"end_word":951,"sentiment":"neutral","sentiment_score":0.04901305213570595},{"text":"Perfect.","start_word":952,"end_word":952,"sentiment":"positive","sentiment_score":0.4287903308868408},{"text":"and you take that receipt to your account until when you do your tax return, Perfect. and it works Yep. with any kind of deduction, Okay. basically. Yep.","start_word":953,"end_word":980,"sentiment":"neutral","sentiment_score":0.19862882792949677},{"text":"That's good. That's good. Yeah. Cool.","start_word":981,"end_word":986,"sentiment":"positive","sentiment_score":0.5458305478096008},{"text":"I mean, look look, we we we know that over the last couple of years, we've probably got a bit of a tax bill because we've been generating a bit of interest on the cash we've had in the bank or Yes. in our, you know, savings. So, you know, that that that bit of tax benefit is gonna help offset those costs. So, you know, Yeah. it's it's not gonna flow through to cash for us. It's probably gonna get gobbled up in dealing with tax. Yes and no. Like, I understand that that, like, you have had considerable interest incurred, like, especially, like, the million dollars sitting in Yep. That's what in I'm the talking term about. There's been yeah. there's been sort of, you know, anything from sort of 1.4 to 1,200,000 sitting in those in that that those in various accounts for the last couple of years. So we know there's gonna be a bit of a bit of tax to pay. There's a couple of returns that need to be completed. So and then our Right. account's under that. So it's a and, you know, we're we're not we're we're a bit behind, but that's okay. Yeah. That's okay. Yep. I Not know that not certainly we typically rush into completing tax returns not because something we've you never wanna really been do. in a no. It's never we're never we're never really in a position to benefit from from a tax return.","start_word":987,"end_word":1234,"sentiment":"neutral","sentiment_score":-0.08274229003056403},{"text":"So it's not not high on the priority list, but but he knows that we need to get it done because I I I have to squeak and clean on that end for work. So he's he's on to that now.","start_word":1235,"end_word":1275,"sentiment":"negative","sentiment_score":-0.34779298305511475},{"text":"So he's just wanting to get rid of his sort of end of the year backlog and then he'll jump onto us. Yeah. So I expect, you know, by the end of July, we'll probably have some tax returns to to drop in the into the system. Yeah. And deal with as well. No. That that's Yeah. Yeah. absolutely No. okay. The the good thing is is that everything's pretty much, like, sitting in your wife's name. Yes.","start_word":1276,"end_word":1353,"sentiment":"neutral","sentiment_score":-0.04851549863815307},{"text":"That's right.","start_word":1354,"end_word":1355,"sentiment":"positive","sentiment_score":0.3556177020072937},{"text":"So your so you personally, you will actually get a return like, a a refund. It's just Yep. your wife's gonna get hit with the tax, That's right. which I Someone understand it's all and all the same. But yeah. Yeah. Exactly. And, you know, I'm hopeful that to a large extent because I've been p a y e for the last four years that, you know, there'll be a bit of tax coming back off my off my income anyway, coming back. And then plus this contribution is gonna dish us up about, I don't know, 10 or $12,000. So we might we might be able to square everything off. Never Yeah. It know. Like it lucky.","start_word":1356,"end_word":1473,"sentiment":"neutral","sentiment_score":-0.028389820923744626},{"text":"well, it should I mean, depending on how much interest has obviously been accumulated on your wife's side, it will give you a a a definite ability to move forward and and depending on how much your wife has accumulated in tax, your outcome should actually give you quite a bit of a return.","start_word":1474,"end_word":1527,"sentiment":"positive","sentiment_score":0.3611619472503662},{"text":"Yep. Yeah. That's that's that's my that's my heart. Because realistically speaking, your taxable income because you you earn a 102,000. Your taxable income's going to drop down quite considerably this financial year because you've contributed the 77,000, Mhmm. which means that you're going to get quite a bit back because the tax that you should have paid is quite minimal in comparison to what you have paid. So you should be paying about $300 in tax for the year. What you've actually paid is about $23,000 of tax for the year. But it just doesn't the I thought the 77 and a half thousand dollars that we put into super, I thought that goes into the super. The super fund will tax it at 15%, and the difference Right. between what I've paid on that 77 and a half thousand dollars and the 15% is what I get back. Yes. No. Not Because not that, quite. in my head, that works out to about sort of 10 or $12,000. So the Superfund pays tax. So, basically, for the next little bit, there'll be Yep. a double amount of tax that's been paid, Yep. and then you get your marginal rate back. So it ends up being, like, if you consider the tax all around, then, yes, the difference is about that that 10 to 12. Yep. But because the the Superfund has to pay the Superfund tax, so it pays the 15%. So out of the 77 and a half thousand dollars, like, the Superfund pays, you know, that 15%, which ends up being sort of $11.06 25. Yep. And it will pay it from its own Yep. pool of money. Yep. And then from there, you get your marginal rate back. Yep. So you you end up in the hand with that 20. Oh, you say you get all of the margin right back, not Yeah. just the differential? No. But when you calculate it and you look at taxes paid, then the the difference is sort of that, you know, $10. But in Oh, the hands, okay. you'll end up with Oh, it okay. all back. Oh, Yeah. okay. Oh, okay. I thought sorry. I thought I thought I would get the difference between my marginal rate and the 15%, but you're saying I get the whole marginal versus the whole marginal rate back. Yeah. Because otherwise Okay. because Yeah. what it does is it physically reduces Yeah. your taxable income. Alright. Now, Okay. obviously, if you've got income from other sources, which you don't because your only income source is the 100 and That's the right. $100, Yep. because all of the assets, bank accounts, and everything else is Yep. in Linda's In this name. day. That's right. So you don't incur any additional taxes, not pushing you over any of the caps or anything like that. Yeah.","start_word":1528,"end_word":2009,"sentiment":"neutral","sentiment_score":0.04907723160700184},{"text":"You're gonna get all of it back, and from that $20, you're gonna be able to then Okay.","start_word":2010,"end_word":2027,"sentiment":"positive","sentiment_score":0.4188953936100006},{"text":"go in well, I mean, Linda pays Linda's bill, really. And, Yep. hopefully That's all that's what I'll do. hopefully, end up still in the green Yeah. Hopefully. or in the black, I should say. Might might not. Might not. We'll see how we get there. See see how many years. It kind of add up. Yeah. I'm How a many cook yeah. tax Right? returns I could do you have? I could calculate. I think there's two. I think there's two Okay. sitting there. So there's a couple of years. So there'll be a bit I mean, there's, you know, there'll be a bit out of the out of the prior years as well that needs to be picked up. So there'll be a bit of money coming back from those. And then, obviously, this year, they'll be they'll be a good whack. So yeah. Look what we'll we'll see. I mean, I think, you know, I might be able to wash his face, which would be great.","start_word":2028,"end_word":2196,"sentiment":"neutral","sentiment_score":0.04539724917718645},{"text":"If that happened, that'd be terrific.","start_word":2197,"end_word":2202,"sentiment":"positive","sentiment_score":0.5402294993400574},{"text":"Yeah. You know, because it's it's that's that will that will help significantly. Obviously. Okay.","start_word":2203,"end_word":2217,"sentiment":"neutral","sentiment_score":0.29939842224121094},{"text":"That's good. So I understand that now. Thank you for explaining that. Appreciate That's it.","start_word":2218,"end_word":2232,"sentiment":"positive","sentiment_score":0.47554197907447815},{"text":"okay. So that that money's already in. We just need to submit the notice of intent to claim, which, realistically, we can't we just submit just before you go and sit down with your accountant. Okay. So yeah. Now outside of that, there's sort of about three or four pages worth of information on on making that contribution and the tax savings and all the rest of the stuff. Yes. We I've then made some recommendations based on getting the goals that we're wanting to achieve. So looking at how we can achieve the 400,000 in your super looking, you know, and above.","start_word":2233,"end_word":2335,"sentiment":"neutral","sentiment_score":0.15249069035053253},{"text":"Looking at how we can ultimately grow the funds you have, be tax effective, and hit all the points.","start_word":2336,"end_word":2354,"sentiment":"positive","sentiment_score":0.35604095458984375},{"text":"Mhmm. I looked at PSAT. The investment Yep. offerings under the fund are really limited, and I was pretty Yep. not disappointed. Like, I've dealt with the fund before. A lot of the funds are like that, but I was pretty locked on what was accessible under that fund. Due to that and the historical returns, I've actually looked at another fund and going into what's called hub twenty four. Good. I did look at quite a number of different super funds Mhmm. to see what would best work.","start_word":2355,"end_word":2443,"sentiment":"neutral","sentiment_score":0.0034770764870924896},{"text":"Hub twenty four worked out from a fees point of view, the fact that they aggregate trade, which means that they trade internally rather than always going to the open market. So it keeps your trading and your your buy sell costs a lot lower. And the platform is really intuitive from a a clientele point of view as well. So transparent, you being able to see, you know, what's happening, what trades are happening, what's Good. being bought and sold, and where everything's moving. So it works really nicely for for you as well.","start_word":2444,"end_word":2538,"sentiment":"positive","sentiment_score":0.574646532535553},{"text":"Now Yep. what I'm ultimately recommending is that we do a full consolidation from PWSA pay over to Hub twenty four. Now we will only complete that once you submitted the notice of intent to claim. The reason for that is is the notice of intent to claim actually has to be submitted on the funds that you make the contribution to. If Yep.","start_word":2539,"end_word":2602,"sentiment":"neutral","sentiment_score":0.04311233386397362},{"text":"you don't submit it to the funds that you've made the contribution to, you lose the ability to claim that.","start_word":2603,"end_word":2622,"sentiment":"negative","sentiment_score":-0.4234149754047394},{"text":"Yep. So based on the amount that you've made, we're not gonna trigger any rollovers until you have 100% made that claim and until you have that receipt in hand. And as I said, that that notes of intent can be submitted at any time. Right. Now under Hub 24, we'll then invest it into a portfolio that I've built. I'll go through the portfolio with you in a second. But what we would do is we would obviously redirect your employer contributions over to Hub twenty four as well. So what's the sorry. What's the advantage of of taking it out of the Gilman Fund?","start_word":2623,"end_word":2728,"sentiment":"neutral","sentiment_score":0.050378359854221344},{"text":"The investment options that are offered under PSAP are really limited.","start_word":2729,"end_word":2739,"sentiment":"negative","sentiment_score":-0.4485636055469513},{"text":"So you don't have the ability to diversify in asset holdings as much as what you do under and, like, other funds, but in this specific instance, Hub twenty four. So Hub twenty four allow us to invest in a bunch of different assets under available under market. Now we, internally, we don't invest in anything that's risky. We invest in, you know, exchange trade funds or managed funds that are guaranteed and backed. So when we do our research, we only offer investment grade or above investments. So we don't we don't invest in anything that's risky or anything that's new to market.","start_word":2740,"end_word":2843,"sentiment":"neutral","sentiment_score":-0.07394965781042209},{"text":"We wanna make sure that we're obviously popping our clients into investments that are going to be beneficial to them long term, especially when we talk about superannuation.","start_word":2844,"end_word":2871,"sentiment":"positive","sentiment_score":0.40182018280029297},{"text":"Now PWSA pay only have a very limited investment offering. So they have their multi asset offerings, and that's all they really offer. There's no other ability to diversify out, and the returns that I was finding under PWSA pay just weren't gonna hit the mark for what you wanted to get. Yep. So And that's why who I looked who at moving. who is who is Hub twenty four? Never heard Yeah. So no. That's okay. Hub twenty four, just like any of other, them. like, super fund are the platform. They are the trustee. So just like your Australian supers or your, you know, Host Plus or qSuper, anything like that, Hub twenty four is a a a super fund trustee. They're actually one of the biggest trustees available with trillions under management, Yep. but they are a retail fund, whereas you would be used to seeing your industry funds advertised. Yep. So on the, you know, on the on the news and whatever else, it's always, you know, your C bus and your industry funds that will be Yep. advertised. Your retail funds don't advertise, and that's because, like, they have a wider offering. So they are an investment platform. So you can you Mhmm. can actually invest under the platform outside of your superannuation as well.","start_word":2872,"end_word":3091,"sentiment":"neutral","sentiment_score":0.1249234974384308},{"text":"So you can actually have, you know, a whole a whole investment account that's kind of connected to your super fund, but personally owned by yourself, which is, you know, which makes it really cool on that side. So more of an investment platform than just a a super funds like your your industry funds are.","start_word":3092,"end_word":3147,"sentiment":"positive","sentiment_score":0.44608983397483826},{"text":"Yeah. Now, ultimately, what we're gonna look at doing is transferring all of the money that's in your account now over, which would be sitting up over a $100,000 based on the contribution that you've made into the fund, Yep.","start_word":3148,"end_word":3187,"sentiment":"neutral","sentiment_score":0.12759699635207652},{"text":"which is great.","start_word":3188,"end_word":3190,"sentiment":"positive","sentiment_score":0.7738882303237915},{"text":"You look look at you go. You went from, like, $30 or or what else? Over a 100. That would have Yeah. The felt problem good. the problem is that the the the 77 and a half was part of a 100,000. I pulled out of Latrobe Yeah. at six Let's try. at six point seven five, and Yeah. it's now, you know, I don't even know what it's earning. And the 20 odd thousand dollars sitting in a cash account earning stuff all. So, Yes. You know, I wanted to get the intention was that I would pull that 77 and a half thousand dollars back out again and put it into a more productive investment account. We live partly off the invest well, we do live off the in addition to my salary, we live off the interest earned on on that money. Yes. You So did? I can't I can't leave the 77 and a half in the unless I can which I can do. I can just draw out of the super fund the Yes. difference anyway and just leave it there. So that So but yes. that's that's a bit I need to understand whether I can do or I can't do. Or how do I set that up and how does that all work? And and the other Yeah. I guess you're gonna get to it, but the other thing that's rolling around my head is making additional contributions every fortnight into the super fund to kinda Yep. accelerate this whole process. Because we we we can do that as well. But I expect you probably cover that off I to some sure point. do. Yeah. I bet you Cool. do. Oh, no. Go on. Okay. So so okay. So So we take all of money that's sitting in the student fund, including the 77 and a half thousand mhmm. Yep. and roll that into Hub 24. Yep. And then Then from there, yep. what what I'm recommending Yep. is if you have a look, you can see the breakdown on page 20 if you have it open.","start_word":3191,"end_word":3544,"sentiment":"neutral","sentiment_score":0.016263912060945216},{"text":"Cool.","start_word":3545,"end_word":3545,"sentiment":"positive","sentiment_score":0.4687112271785736},{"text":"But page 20 kind of outlines the investment breakdown, so the assets that I'm recommending that we we invest in. So as you'll see, the first word of each line is actually the investment manager. So your BetaShares, iShares, your Vanguard, Global X. They are all investment managers. I'm not recommending any investment manager that hasn't been around for a long time, and the asset that I'm recommending have all been around for a long time as well. Now each of the assets are there to do a different thing. So each of these lines so take Hack, for example. Hack has about 30 different companies or securities in that in that holding. Mhmm. Now Hack is exactly as it says. It says it's a cybersecurity, so it's a bit of, like, thematics in the in the investment. So a bit of spice, basically. It is a little bit more volatile than any of the other assets. We're only I'm only looking at putting 5% in it, but Mhmm. it's there to be able to have that sector, have that cybersecurities, that that investment holding within that sector. So that way, we can get some of the gains that come from that sector because Mhmm. it it is obviously a massive sector that is starting to to build up quite a lot. We then have our next three, which are our our world diversification. So we've got our Europe, our Japan, our Vanguard, all world excluding The US. And, again, these are all small holdings. They're our international holdings. Each of those have another anywhere between ten and fifty assets within them Mhmm. as well. Yep. Then our our middle two, I guess, is our S and P 500, which is very, very American heavy, Mhmm. and we have our beta shares Australia 200. You'll Mhmm. notice that these two make up the core of the investment. So Yep. what I guess, what this investment's or or strategy is is it's what's referred to as a core and satellite. So you have a a bulk core of your investment, which is where the majority of your money sits, and then you have little satellites that sit out outside that is there to offset any of the the market volatility, which is what you'll find the last two do, the gold and your core composite bond. They are both there to cushion and offset market volatility Yep. or to capture growth in different areas. Because you don't wanna be sitting too heavily in, you know, one area versus another. You wanna make sure that you have a good blend of sectors and demographically as well. Makes sense? Yep.","start_word":3546,"end_word":3992,"sentiment":"neutral","sentiment_score":0.05347117522452235},{"text":"Got Cool. it. Cool.","start_word":3993,"end_word":3996,"sentiment":"positive","sentiment_score":0.3854134678840637},{"text":"The next couple pages just kinda shows you, I guess, a visual breakdown of everything. Page 22. This shows the fees, the returns, and a breakdown of everything that's sitting there. Now there is obviously a massive difference between p, double f, a p to hub 24 in terms of fees and operational costs. This stage is a like for like of your p, double f, a p to hub 24 as they basically currently stand. So with with the the money that you put in, so you'll see this concessional contribution of $65.08 75. That's because once the tax comes off it, that's the net amount that goes into the fund and what that looks Mhmm. like compounding. So if you pop down to the next page, you'll see that compounding, that's what the outcome is with respect to the accounts after five and seven years. And that's with your current con like, your current employer contributions as they currently stand with the 15% of your current wage and just that one off contribution. I wanted to stage this out so you could see kind of how it flows as we progress the stages. Does that make sense? So this is only stage one as a comparison between the two. Okay? Yep. Yep. Cool. Now what So I wanna not do not a huge amount of difference, but, like, $1,111,000 dollars difference between the two funds. Right? Yes. Yep. Okay. Which is why we we implement a few other changes. So next financial year, what we would look at doing is make another $9,390 contribution. So that can technically be made anytime during next financial year depending on your cash flow. Obviously, the earlier Mhmm. it goes in, the more compound it has over time, but it just has to be done before June 30 Yep. 2027. And what that's gonna do is, obviously, it's gonna do the same thing as the $77,000 did by reducing your taxable income. But second to that, it's using up all of your unused concessional caps. So you're not gonna have any carry like, carry forward concessional contribution caps left once you've made this this like, these contributions. So the 77,000 plus the $99,000 uses up all of that space that we that we Yep. previously had from years that you hadn't used. Okay? Now following Yep. that, what I wanted to do was I actually wanted to look at liquidating some of the assets that your wife has in her name. So the can I butcher the name of it 100%? The the Gyro something or other. I should know this off the top of my head, but sorry. I've looked at it so many times. You'd think I'd remember exactly what it's called. The Griffin. Why was I trying to say Gyro? The the the Griffin Oh, assets. Griffin. Griffin. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Don't ask me why I butchered that, but anyway so I wanted to look at liquidating those, and the biggest reason is that it'll the interest will reduce the amount of tax that your wife has to pay. So it means that there's not gonna be as much of a push on on that side of things for her with with the tax returns, and it's gonna have a better compound because your 6% that you're earning are well, I mean, Griffin is not it's it's just stock option. So it's it's a it's a different sort of kettle fish, but the returns aren't there within that within that asset that I can see. No. It's been knocked around a bit by what's going on in The US. Yep. Yeah. And what I wanna do is I wanna get them that that money compounding for you guys and really working on it rather sort of sitting a bit stagnant. Now that obviously carries a risk that, you know, the asset could theoretically have a, you know, a massive bull and Mhmm. take off, but I wanted to go with something that's a little bit more reliable to help you guys in in actually growing everything. Yep. So that's why, So you like, want I wanted to to so make you want to liquidate that and put that where? into your super fund. Oh, into the super fund. Am I able to do that? That's a $100,000. Yeah. Yes. So we can make that nonconcessionally. So it means Right. that there's no tax benefit to it.","start_word":3997,"end_word":4747,"sentiment":"neutral","sentiment_score":0.06690843463856752},{"text":"It'll just work as compounding for you, though.","start_word":4748,"end_word":4755,"sentiment":"positive","sentiment_score":0.34184446930885315},{"text":"Okay. And because of your age, if there's any need to access it, we can access it, and it's tax free. And that's where that biggest benefit comes from is we're not gonna be, you know, paying tax on any of the gains or anything like that Yeah. moving Because forward. I'm sorry. Yeah. Because I'm sorry. The tax pay sorry. Tax paid that money. Right. Yes. So it doesn't it doesn't pay any it doesn't get taxed again in the super fund. Correct. Yep. Okay. So I wanted to make that that as a contribution there. Mhmm. Now the biggest part that I probably wanted to go through, if we just jump down to page 32, is I wanted to actually commence what's called a TTR or transition to retirement strategy. So what that does is that takes money from your super fund, opens up a pension account alongside it, so you'd still have an accumulation or a super Mhmm. fund, and you'd have a pension alongside it for the two accounts that's side by side. Yep. The accumulation fund is just sitting there with a lowest balance receiving contributions from your employer still while the pension account can pay out. And what I wanted to do was basically convert some of your income to the amount of about $661 a fortnight into super contributions. So you're gonna Mhmm. increase your super contributions up Reduce to the $3,232,500 to reduce for the my year, tax. reduce your taxable income. Yep. And what that's gonna do is that's going to allow you to then withdraw money from your super fund each fortnight alongside your original pay. So, basically, same same as an outcome. You're just gonna have basically two pay incomes. Yep. One So one two coming from a pension, one coming from work.","start_word":4756,"end_word":5059,"sentiment":"neutral","sentiment_score":0.13983025524373116},{"text":"Yep. perfect. Got it. Thank you. Yep.","start_word":5060,"end_word":5066,"sentiment":"positive","sentiment_score":0.5185205936431885},{"text":"So and and so the net impact is in terms of cash flow for me is virtually zero, but we're accumulating money in the super fund and taking a tax benefit from the way through. Correct. So if you actually pop down to page 34, I broke it all down Okay. for you to make it as easy as possible. Ow. Yep. So is that That hurt. do do we still stay under the cap, down to 30,000 caps? Yep. 32,500 is what it is next year. Right. That that we're saying we're saying under the cap, so we're good there. So what we're gonna do is we're just gonna salary sacrifice. So if we if you have a look at the income tax calculation table, which is, I guess, the third table down, Yep. you'll see your current position one zero two, you're taxed on one zero two, which means that you pay $22 in tax on your taxable income versus the proposed position. Effectively, your taxable income drops down to the 84, which means your income tax drops down to 17 and a half, which means that your take home pay ends up being $67.01 $1.04 versus $79.01 $1.06 o. With a pension Yep. withdrawal of $12.83, It's we basically, at the same. Yeah. It's yeah, at the same. Yep. it's a couple of dollars more because, like, rounding and cents and all the rest of it. But, also, I knew that you do live a little bit on the interest from Yep. the investments. Correct. I want to I want to try and, you know, I didn't wanna drop you down. No. That's right. But I know you exactly it's not much. you no.","start_word":5067,"end_word":5353,"sentiment":"neutral","sentiment_score":0.0704004644101505},{"text":"No. That's no. No. That's exactly right. I don't I don't wanna take anymore either.","start_word":5354,"end_word":5368,"sentiment":"negative","sentiment_score":-0.43800416588783264},{"text":"Yeah. So I think, you know, it it so so with this, basically, we end up with the same the cash there's no cash flow change, Mhmm. but we're getting a, what, a $5,000 tax benefit. Yep. Yep. Is isn't it great?","start_word":5369,"end_word":5410,"sentiment":"neutral","sentiment_score":0.10362594574689864},{"text":"It's cool. Yeah. So we love getting rid of the tax, man. That's one Yeah. of my favorite things to do.","start_word":5411,"end_word":5431,"sentiment":"positive","sentiment_score":0.4622688591480255},{"text":"So from there, what I what I wanna look at doing is basically setting all of those all of those things up. So you'd have, like, the two accounts and everything would operate from there. Now because of your age, if anything happened, we're still able to access some of that money. So I know, like, selling the Griffin stocks. Oh, I just punched the desk. Sorry. Yes. We we sell the we sell the Griffin stocks that sort of, I guess, gets rid of something that you had access to liquidity liquidity Yep. wise. So Yep. there's still the availability that if anything happens, you have access to your super funds. But second to that, and I think a little bit longer term, I just didn't wanna overwhelm you too too much to begin with. Yep. And because, obviously, Latrobe isn't currently, like, like, isn't currently available liquid wise. I know you've I know you've got that $20 stay in sitting in cash, but the other 128 is invested until April of next year. Yeah. That's right. But and it's probably a bit of a a conversation for later down the line, is the possibility of looking at once that does come to maturity is we can actually look at popping that into your super fund because the compounding of 11 like, 11% versus your, you know, your your five or 6%. Oh, shit. Yeah. That's a Very, message. very Correct. But Very, I very know I can different. always and if I need access to cash, I can always take it out. Right? Yes.","start_word":5432,"end_word":5697,"sentiment":"neutral","sentiment_score":0.08032256297599104},{"text":"And that's that's the great thing because you're not 40.","start_word":5698,"end_word":5707,"sentiment":"positive","sentiment_score":0.5002335906028748},{"text":"I mean, don't be wrong.","start_word":5708,"end_word":5712,"sentiment":"neutral","sentiment_score":0.2297654151916504},{"text":"It'd be great to be having this conversation at 40, but you have the availability Good. for those funds.","start_word":5713,"end_word":5731,"sentiment":"positive","sentiment_score":0.4022012650966644},{"text":"Even though we put them in, you're not gonna it's not gonna affect you. And second to that, because it's in your super fund, your wife's not gonna have those tax bills. Exactly right. It's So like I know the million dollars is like, the money that's sitting in the police bank that's being used towards the house. That I did not consider it. That doesn't exist in my brain. No. That is No. that is the house build, but I know that she's getting taxed on that, which that in an Well, in I mean, and of look, itself would the reality is all that that go in there as well if you wanted to. I mean, I I don't mind. We're not wedded to I mean, it it won't it won't come out of Police Bank until April next year. But at that point, we can put that with the super funds. I mean, sort of only means that when when time comes to pay for the house, we need to be able to get Yeah. it out. Yeah. Which we can get it out. My only issue is is I can't get all of it in. So it's why I didn't consider it because we do have limitations to how much we can get into the super fund. Oh, okay. Okay. Yeah. So what about so that so that 20,000 in cash that we've got at the moment, let's see. Yes. Because we're not we we're gonna leave that 77 and a half in there, aren't we? Might have to Yes. take that out. Nope. The 77 and the half is staying. Staying there. Because we like we like the 11% that we're getting on. Right? So that's Correct. but so we're gonna leave that. So what about the 20,000? Can that go in as well? It can. So that's with the liquidation of with the liquidation of the Griffin stocks plus the $20 in cash, that that goes in Okay. to that non concessional.","start_word":5732,"end_word":6069,"sentiment":"neutral","sentiment_score":-0.020514339208602905},{"text":"Alright. That sounds good. Yeah. It all kinda works out. Your plan does work out.","start_word":6070,"end_word":6084,"sentiment":"positive","sentiment_score":0.5570319294929504},{"text":"So that's that's where everything sort of sits. Now when the plan all works and all things happen, if we if we follow the advice and we do everything that I've kind of outlined, and, of course, we're gonna update these projections and have a look at everything each year as things change or if you have to pull more money. We're looking more along the $500,000 mark rather than that $200,000 that we were looking at to be in this. But in sixty's time? Five I did I did five to seven years because In I was five okay. Yeah. Yeah. Five to seven years. Okay. yeah. Gosh. Yeah. So if you look at page 40, Well, I it's too mean, we many I need to do I need to do this. Yep. Okay. Got it. Seven pages. years four nine six. Yeah. And, like, because I was I didn't talk to your wife. I couldn't really take into consideration, like, her tax side, but I guess as benefits that have been felt from this, the more money we take off her and pop this way, Yep. the better her The taxes better for you. should become. Oh, definitely. Yeah. Yeah. Definitely. Sorry. Let's go back to the step. Of course. The No. current recommended current is if we lift things the way they are now. No. So each No. of these No. each of these stages kind of they they compound on each other. So So current is so if you go all the way up to the top, which is back at page I don't even know. But no.","start_word":6085,"end_word":6356,"sentiment":"neutral","sentiment_score":0.03726230145377271},{"text":"No. No. No. The table just got too big.","start_word":6357,"end_word":6365,"sentiment":"negative","sentiment_score":-0.6079806685447693},{"text":"I I know what you're looking at. no. I It's know what okay. you're talking about. Go go back to page 22. Yes. So, yeah, 22 for 20 yeah. Twenty two twenty three. That is your current PWS AP. That is Yep. exactly That's as true. it currently stands. That's the five year rolling average five year rolling average return rate for the fund. Yeah. So we have a couple $100,000. Right? So Correct. If we and if implement we if we stage one of my recommendations, we that's get where we land with oh, Hub I see. '24. And that's And what then we're doing at Hub twenty four. Then if we if we and if if we we do take yep. And then it kinda rolls from there. okay. Then if we work the okay. Okay. Then if we put another 126 in, which is the Griffin money plus the cash. Right? Is that right? Page 30, Yes. it Yes. Yes. says Yes. Yep. $1.26. Yep. That's the grip that's Griffin plus cash. Is that Yep. right? Yep. Yep. Okay. So you keep following the recommended down. Yeah. You end up at in five years' time, it's actually 400,000. In seven years' time, almost 500,000. Yep. Now I then did a little bit. So if you have a look at page 41, I just did a little bit of a retirement calculation, but I wanna I wanna I wanna caveat it really heavily because, a, it does not consider the retirement, b, I did not put any any Centrelink in there.","start_word":6366,"end_word":6628,"sentiment":"neutral","sentiment_score":0.025960059836506844},{"text":"I did start, and then it just Centrelink advice is very, very, very heavy in Yes.","start_word":6629,"end_word":6644,"sentiment":"negative","sentiment_score":-0.43276023864746094},{"text":"in in time. While Yep. I did consider it, you'd you'd you would you you have access to Centrelink pretty much the as soon as you start working. It was you have partial access to Centrelink to begin with. I just did it based on a if you were to draw down $78,000 a year, Okay. a, you know, how that That's kind of right. works and And what so happens from yeah. there. Exactly. So you run out of money at age 84 Yes. ish. At 85, you run out of money, but that's just your super. Yes. And that's just Right. if you were just drawing down on that. Now you do have Centrelink that will will be able to support you, but Yep. then there's the possibility of That's the the some inheritance money. and what that Yeah. looks like, and Yeah. it just kind of overcomplicates it and creates complexities. No. That's yeah. Exactly right. That's exactly right. No. It's good good to do it this way because then everything else is an upside. Right? So, Yeah. I mean, if money suddenly lands on the table, then we can we can make have a discussion about what that what we do with that at that time. Correct. Most certainly. And And then then it it's obviously where it lands on the table as well is the other biggest question. exactly. That's right. And then and then, you know, when I finally do pull the pin and stop working then, you know, does settling do anything for us or not at that point? Yeah. Well, look. Basically, right now, yes, they would. As as your assets currently stand, you would have access to a part pension on Centrelink. Okay. Okay. I lied. Not right this second, but once the house is filled, then the answer is yes. Right now with a Yeah. million dollars in the bank, no. But once the No. house is No. built, No. yes. Exactly right. And which is why you wanna get into super. Yeah. Yeah. So, like, I'm yeah. We we just wanna get the money. Yeah. Once the house is built, if you if you decide to hang up the hat once the house is built, then, yes, you would have access to to Centrelink So when the because when the it's house combined. is when the and when the house is built and they say, okay. Well well, what's the next payment? The next payment is gonna be stamp duty. So there'll be an $80,000 stamp duty bill that's gonna get paid shortly before finalization or shortly before settlement. And then when settlement happens, Yep. there'll be no issues. I can just what we what do you do? Just send a notice of intention to withdraw some money or I'm not sure how that works. How do how do you how do you actually make a a withdrawal out of a super fund apart from having that pay the the pension? You call me and you say, hello.","start_word":6645,"end_word":7153,"sentiment":"neutral","sentiment_score":0.030872941851155737},{"text":"How are you going? And I say, hello. How are you going? And you say very well, and I say, that's fantastic. And I say, what can I do you for? And you tell me what I can help you, and then I say, fantastic. Let me do that for you.","start_word":7154,"end_word":7204,"sentiment":"positive","sentiment_score":0.4929946064949035},{"text":"And I send you a Okay. pretty document, and you sign that document, and I process the withdrawal into your bank account.","start_word":7205,"end_word":7226,"sentiment":"neutral","sentiment_score":0.23320484161376953},{"text":"It's really pretty easy.","start_word":7227,"end_word":7230,"sentiment":"positive","sentiment_score":0.5010516047477722},{"text":"Okay. Okay. Okay. So things are pretty easy when you're my age. Yep. Things are pretty It sounds easy like when they're the your only age. advantage Yep. of being my age. Pretty much.","start_word":7231,"end_word":7264,"sentiment":"neutral","sentiment_score":0.10671144723892212},{"text":"It's a good advantage.","start_word":7265,"end_word":7268,"sentiment":"positive","sentiment_score":0.33923065662384033},{"text":"Yeah. It is a good advantage, isn't it? Makes a hell of a different sign. It does. It it does.","start_word":7269,"end_word":7288,"sentiment":"neutral","sentiment_score":-0.012040059082210064},{"text":"It was actually really funny. I kept sitting down.","start_word":7289,"end_word":7297,"sentiment":"negative","sentiment_score":-0.42149102687835693},{"text":"I'm like, oh, no.","start_word":7298,"end_word":7301,"sentiment":"neutral","sentiment_score":-0.33248820900917053},{"text":"He can't do that.","start_word":7302,"end_word":7305,"sentiment":"negative","sentiment_score":-0.4195507764816284},{"text":"Oh, wait. Yes. He can. He's old enough.","start_word":7306,"end_word":7313,"sentiment":"neutral","sentiment_score":-0.20026905834674835},{"text":"Because majority of the clients I speak to Can't do it. Can't do it.","start_word":7314,"end_word":7327,"sentiment":"negative","sentiment_score":-0.4799996316432953},{"text":"yeah. Yeah. You have all these great, wonderful ideas, and you're like, no.","start_word":7328,"end_word":7340,"sentiment":"neutral","sentiment_score":-0.07165856659412384},{"text":"Can't do it.","start_word":7341,"end_word":7343,"sentiment":"negative","sentiment_score":-0.5094029307365417},{"text":"But with you, it was, oh, you can do this, and he can do this, and we can do this. Everything I could think of, you could do. My account was talking about something about $310,000 contribution I can make from I don't know. I need to find out from what he was talking about. I was just trying to get finalization of the 77 and a half. Yes. Yeah. But I mean, he was the talking the about the number's something. off, but, yes, I know What exactly what he's talking what about. what what's that relate to? That is a carry oh, sorry. It's a bring forward non concessional contribution. So it means it's already tax paid. Money can can be contributed into the super fund. So the 126,000 that we have available to us, That that that's part of that. Is that's part it? of that. And what he's he's referencing or she, they, Okay. he is referencing is carrying forward the or or or taking from the fall like, the the future years. So you know how for the non concessional, so the seventy seven thousand that you just put in, We you looked we went back. back. Yep. Yeah. This is looking forward. So what it's doing is it's taking from each of the year's contributions. Each of the following years is actually a $130 each, so we can actually do up to $3.90. Yes, sir. That was the number. Yeah. Yes. Yeah. Yeah. Okay. So you can pop into up to $3.90 into the fund, which, theoretically, we we definitely can. But right now, from liquid assets, police Yeah. Exactly. police No. is I get not available. I get it. The Okay. probe's not Okay. available. Blah Exactly blah blah. right. Yep. Yeah. Yep.","start_word":7344,"end_word":7643,"sentiment":"neutral","sentiment_score":0.03823049366474152},{"text":"Perfect.","start_word":7644,"end_word":7644,"sentiment":"positive","sentiment_score":0.34289419651031494},{"text":"Right.","start_word":7645,"end_word":7645,"sentiment":"neutral","sentiment_score":0.27640071511268616},{"text":"And he's a really good I mean, he's a he's a family friend, and he's a really, really great bloke.","start_word":7646,"end_word":7665,"sentiment":"positive","sentiment_score":0.5599368810653687},{"text":"And I don't pressure him because, you know, the relationship we have with him.","start_word":7666,"end_word":7679,"sentiment":"neutral","sentiment_score":0.23251713812351227},{"text":"So but he's extremely helpful. So Good.","start_word":7680,"end_word":7686,"sentiment":"positive","sentiment_score":0.7294038534164429},{"text":"I don't mind and I don't mind you talking to him. Or I can get him to talk to you if that becomes necessary Yeah. at any point.","start_word":7687,"end_word":7714,"sentiment":"neutral","sentiment_score":0.2502818703651428},{"text":"So very happy for that to happen.","start_word":7715,"end_word":7721,"sentiment":"positive","sentiment_score":0.7561392784118652},{"text":"No.","start_word":7722,"end_word":7722,"sentiment":"neutral","sentiment_score":0.2040216624736786},{"text":"Absolutely. More than And happy I'll to and to have I a will chat. and I will, of course, share this advice with him. But he's he's very supportive.","start_word":7723,"end_word":7751,"sentiment":"positive","sentiment_score":0.4455684423446655},{"text":"You know, he he he doesn't give financial advice. He just does my tax. So he makes Yep. that very clear. But he, you know, Yeah.","start_word":7752,"end_word":7777,"sentiment":"neutral","sentiment_score":0.2103677988052368},{"text":"he's he's a great bike.","start_word":7778,"end_word":7782,"sentiment":"positive","sentiment_score":0.6131227016448975},{"text":"Yeah. But it's So always alright.","start_word":7783,"end_word":7788,"sentiment":"neutral","sentiment_score":0.29556235671043396},{"text":"good when they can give you the tax savings advice too.","start_word":7789,"end_word":7799,"sentiment":"positive","sentiment_score":0.4045380055904389},{"text":"Yeah. No. And look, he'll he'll do the taxes. He'll go go through it. He can talk to you about what we've done so that we, you know, maximize the benefit. Absolutely. And if there are anything that like, any anything pops up during the the tax returns this year, then we can always have a look at them as well. Yeah. Exactly. Yep. Or when when we get around to doing them. Doing okay. Okay. Now the other thing is is because we're establishing a new super fund, beneficiary nominations, I recommend that we nominate your wife, obviously. Oh, yeah. Oh, yes. I understand It's tax that. Yeah. free when Yep. she receives it, and it's Yep.","start_word":7800,"end_word":7917,"sentiment":"neutral","sentiment_score":0.15253689885139465},{"text":"a lot smoother and quicker of a process.","start_word":7918,"end_word":7925,"sentiment":"positive","sentiment_score":0.3755269944667816},{"text":"Yep. Yep. Now Yep. a bunch of my clients have the question, what happens if my wife dies before me? Now one or two things. And it's always the same question, but let's just say you both got into a car accident. Let let's put it this way. Me and my husband got into a car accident together. What would happen is if my beneficiary nomination, which is currently 100% to my husband, because it is quicker and more efficient for him to receive the funds through a direct Mhmm. nomination than it is through an estate nomination, and Yep. because I have three smallish children, Yep. I want the money to go to him quick. Yep. Now if that was to happen and we were both to pass away, my estate takes over, Yep. and my estate deals with the nomination. The same thing would happen for yourself if anything were to happen. Hub twenty four actually has once a nomination is bound to be nonvalid, they don't go through claims Yep. taking. They go straight through to a an an estate nomination. Most super funds are actually updating their processes, and legislation has basically updated to cease what used to be called claims taking, which is where they would basically put an ad in the newspaper and say, hey. This person's passed away. Does anyone feel as though they have rights to the estate? Now Queensland law actually stipulates that if a spouse exists, the spouse will get asset first. If there are children, they would they will get assets next, blah blah blah blah. And there's a, you know, a bunch of different caveats on how much everyone gets. Okay. So if anything were to happen to you and your wife or your wife predeceased yourself and you had not updated the nomination before you would have passed away, your children would It's just gonna go more than to your likely, site. yeah, Yep. more than likely get it, but it's gonna go through the estate. Yep. That's fine.","start_word":7926,"end_word":8267,"sentiment":"neutral","sentiment_score":-0.03110697775077053},{"text":"Cool.","start_word":8268,"end_word":8268,"sentiment":"positive","sentiment_score":0.5644385814666748},{"text":"I just always like to explain it just to make sure. It's a little bit of an understanding. No. I'm I'm I'm pretty relaxed. A lot of this stuff doesn't bother me.","start_word":8269,"end_word":8300,"sentiment":"neutral","sentiment_score":0.2076347768306732},{"text":"So Good. Good. alright.","start_word":8301,"end_word":8304,"sentiment":"positive","sentiment_score":0.5506807565689087},{"text":"So what do you need now to move forward?","start_word":8305,"end_word":8313,"sentiment":"neutral","sentiment_score":0.2801206409931183},{"text":"Cool.","start_word":8314,"end_word":8314,"sentiment":"positive","sentiment_score":0.3995602428913117},{"text":"Because obviously So obviously, the sooner we do this, the better. so I've emailed this to you, but what I need to do and and I prefer doing it via email to begin with just because it's a little bit visually easier to look at. But what I need to do is I need to send you a whole pack of documents. We do that Okay. over email, electronically signing, because, otherwise, the paper footprint is enormous. Yep. So what I'll do is I will email you the documents. The documents will be the document you're looking at right now along with application for the Superfund. Yep. I have not included the pension application yet because we're not setting the pension up until next financial year a. And, b, Yep. I needed your bank details anyway. But my team, Yep. when they call you to go through the implementation steps, they'll kinda step it through with you.","start_word":8315,"end_word":8471,"sentiment":"neutral","sentiment_score":0.11942858623850876},{"text":"The great thing about the document I've drawn up is that, actually, towards the bottom, a step by step, these are the order of the steps that we will take, when they're gonna get taken, and who's taking those steps. So it makes it a little bit easier to kind of follow along with each of the steps that need to go in to doing everything.","start_word":8472,"end_word":8537,"sentiment":"positive","sentiment_score":0.5878976583480835},{"text":"Mhmm. Now, of course, if at any point in time you have any questions, qualms, concerns, you're always allowed and able to reach out to me, and I can help you out with that.","start_word":8538,"end_word":8571,"sentiment":"neutral","sentiment_score":0.18822740018367767},{"text":"But, otherwise, you know, I I have fantastic admin that'll kind of help walk through each of the each of the steps to to implement the advice.","start_word":8572,"end_word":8598,"sentiment":"positive","sentiment_score":0.33471107482910156},{"text":"So get the funds rolled over, and they will, you know, help you to make those contributions, give you bank details, make those contributions. We'll help set up the accounts. I do all the investments on the I do all the investing. Any of my clients, once funds are received, I invest, my admin don't, Yep. and we go through from there. Okay? Okay. Yep. Cool. So now I think we spoke when we last spoke, you told what your fees were? Out Why are of my you laughing? mouth. I was I was literally about to say the same thing. Hey. I was Yeah. gonna say now, because I skipped over a couple of things I would normally already have have talked That's about, alright. No. Well, we did we covered. It was 1.5 or something. Is that right? One Alright. point 65% ongoing. One point Correct? $6.05. Ongoing. So what does that what does that mean? So Literally. So literally, in the figure, dollar in dollar figures. Yeah. it ends up being about $3,922. It's What? Per being year? factored per year. It's being factored into all of the advice. Yep. Yep. So and you just send me a bill when I pay. Is that right? Or or Actually does comes it come out of the super fund. comes out of the super fund. Yep. So which virtually means it's being salary sacrificed. Right? Correct. Actually, Okay. yep. Yeah. Yeah. Because I do that because the other thing I can do is that you can actually sell it out on point. We're living super funds, so it's irrelevant. It doesn't matter. Yeah. So if the pay comes out of the super fund, that's fine because that means it's basically salary sacrifice. So we're only Yep. paying, you know, the the the 15% on it. Oh, sorry. No. I'm getting the tax benefit on. It's reducing Yep. my reducing my salary. Yep. It's reducing his salary. Yeah. Yep. There we are. And then on the other side of the relationship, you get fees on the investments? No. Not at all. Nope. No. There are no no kickbacks from the investments at all. So I could put you in any number any number of a thousand different investment options. We do not get any kickbacks from any any of that.","start_word":8599,"end_word":8988,"sentiment":"neutral","sentiment_score":-0.0009856788584819208},{"text":"That is what's actually called conflicted remuneration. It's a massive no no in our industry. They're not something I I actually partake in.","start_word":8989,"end_word":9011,"sentiment":"negative","sentiment_score":-0.5778406262397766},{"text":"To the point where, Okay. generally, when I meet with BDMs, I always buy coffee because I'm not really a fan of having You coffee you don't before do me. that.","start_word":9012,"end_word":9042,"sentiment":"neutral","sentiment_score":-0.07550584020153168},{"text":"Sounds sounds like it works for the government.","start_word":9043,"end_word":9050,"sentiment":"positive","sentiment_score":0.4449290335178375},{"text":"Alright. Okay. So yeah. So that that's that's the the fee side of things. The other thing that I wanted to touch on is that to implement the advice, we do need your tax fund. We don't, but the Superfund needs your tax file number. Yes, But we need to code a a legal copy of your sir. ID. So it can be passport or You can driver's have that license. as well. You can have that as well.","start_word":9051,"end_word":9129,"sentiment":"neutral","sentiment_score":0.08504468202590942},{"text":"Cool.","start_word":9130,"end_word":9130,"sentiment":"positive","sentiment_score":0.4126748442649842},{"text":"What I will do for your tax file number is, a, I don't want you to verbally tell me, or, b, I don't want you to email it to me, please. On the documents that I send you, one of the documents is actually gonna have a space for you to be able to free type your tax file number in. It'll be Yep. a mandatory field that you have to enter. That is the Yep. only place we hold your tax your tax file number. That It's document fine. gets locked completely and is not held on system. Your Alright. tax file number is entered into the super fund who also have their own locking system. Yep. The benefits are obviously if you don't don't list your tax on them with with with the super funds, they tax you Did at the highest I possible get the rate. benefits? Did I get Correct. the benefit? I understand. So we need to cool. Well, what I'll do is I will package everything up and send it to you. I think it's it's actually already packaged up. I just have to press the send button. So I'll send that through to you. Don't be surprised if it goes to junk because it is like a signing document thing. Okay. You'll Yep. have that within the next ten minutes. Okay. Are there any questions that you may or may not have? Not not at this stage. I'll I'll read through your document. And if I have any questions, I'll flick you an email. It's probably the Yeah. easiest way. Yeah.","start_word":9131,"end_word":9398,"sentiment":"neutral","sentiment_score":0.03323675405734511},{"text":"Absolutely. I do wanna share this with with David, my accountant.","start_word":9399,"end_word":9409,"sentiment":"positive","sentiment_score":0.39772602915763855},{"text":"So Yeah. just let him know what's happening so he's aware. And if he's got any questions, then I'll I'll share those to you as Yeah. well. Feel free. He can email me. So as Yep. long as he sees you in and you send an Yep. email saying I'm happy for you guys Oh, to no. discuss. I'll I'll I'll I'll email you with these questions. It's alright. Oh, that works.","start_word":9410,"end_word":9481,"sentiment":"neutral","sentiment_score":0.18712864816188812},{"text":"Otherwise, yeah, it looks it looks good.","start_word":9482,"end_word":9488,"sentiment":"positive","sentiment_score":0.4131174087524414},{"text":"I think we definitely need to be doing we need to have some acceleration on what's going on because, you know, we're Yeah. not gonna get to where we need to get to. A bit of luck, I might be able to pull up in earlier. You never know. With a bit of luck. I hope so too. We just I think the best thing for us to do is just to sit on this for twelve months, see what happens with the house, Yes. Yeah. the Exactly. the mortgage, and Yep. how Yep. that all finishes, and then Yep. we can kinda revisit Yep. And the if final are plan. there ways as I as I think about the mortgage, are are there ways that I should be structuring that? The mortgage? Yeah. Is it or is Weekly? it just it's just Weekly a matter or, of a, weekly or fortnightly payments, definitely, yeah. because it's gonna result in you paying less interest overall. Yeah. If you're able to set an offset account, I would 100% try and get an offset account set up and live out of that offset account. Yep. Yep. Aside from that, until I know what the interest rate is, the term, Yep. the repayments, Okay. or anything like that, I can't delve Okay. to date. Okay. Okay. Alright.","start_word":9489,"end_word":9712,"sentiment":"neutral","sentiment_score":0.03060765191912651},{"text":"Sounds good. Cool. Amazing.","start_word":9713,"end_word":9716,"sentiment":"positive","sentiment_score":0.4701874256134033},{"text":"What is the thank you? No.","start_word":9717,"end_word":9722,"sentiment":"neutral","sentiment_score":0.19719769060611725},{"text":"Absolutely. My pleasure. I'll get everything sent to you so you can when you Good finish work.","start_word":9723,"end_word":9739,"sentiment":"positive","sentiment_score":0.5079550743103027},{"text":"looking it over, sign it.","start_word":9740,"end_word":9744,"sentiment":"neutral","sentiment_score":0.1885656416416168},{"text":"Okay. Thank you. I was pretty impressed to get it all out in the time frame that we did it, so it's not No.","start_word":9745,"end_word":9768,"sentiment":"positive","sentiment_score":0.5464634299278259},{"text":"too No.","start_word":9769,"end_word":9770,"sentiment":"neutral","sentiment_score":0.24783919751644137},{"text":"bad. It's very, very good. I appreciate that.","start_word":9771,"end_word":9778,"sentiment":"positive","sentiment_score":0.7310792803764343},{"text":"And and really, the conversation you and I had, what was it, week or two ago, was Twelve great days. because it because it actually, obviously, sparked the the the conversation I had with my account about the putting that money into super fund, which, god, I was paying for to get it out of Latrobe. I had to pay 1 and a half thousand dollars to get it out of Latrobe. Of course. And then and then it was, you know, trying to get the super fund to accept the payment quickly or or getting on the tribe to give us the money quickly because we only said twenty four hours to to get it into the fund. But we made it. So it was We good. made it. So had had you hey hey, you and I had that conversation twenty four hours later, it wouldn't have worked. It would So no. No. So it was totally good.","start_word":9779,"end_word":9938,"sentiment":"neutral","sentiment_score":0.0785936638712883},{"text":"It all matched up perfectly.","start_word":9939,"end_word":9943,"sentiment":"positive","sentiment_score":0.4294450581073761},{"text":"yeah.","start_word":9944,"end_word":9944,"sentiment":"neutral","sentiment_score":0.29909735918045044},{"text":"Good in the end. Thank you.","start_word":9945,"end_word":9950,"sentiment":"positive","sentiment_score":0.4233883023262024},{"text":"Alright.","start_word":9951,"end_word":9951,"sentiment":"neutral","sentiment_score":0.32926297187805176},{"text":"That's great. Thanks for your time, Lisa. Appreciate it.","start_word":9952,"end_word":9960,"sentiment":"positive","sentiment_score":0.5604228973388672},{"text":"Not a problem at all, Mark. We will chat Okay. later. Okay. Ciao. Bye. Bye. Bye.","start_word":9961,"end_word":9976,"sentiment":"neutral","sentiment_score":0.09639672189950944}],"average":{"sentiment":"neutral","sentiment_score":0.07231448489367437}}}}