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The the sun was still peeking up peeking up over the horizon when I walked in the office this morning, but it looks really nice. That's good. As always, I do need to let you know that our calls are recorded. And if I could just get you some security for me. So it's just full name, date of birth, and address for me. Perfect. And alright. So the reason I'm calling is just to kind of help fill a gap and and just explain things. So with regards to, I guess, steps to implement the sort of next stages of the advice now that we've got claims happen with PSAP and everything through that side is the Griffin stocks. So they can be sold at, like, when you're ready to. Obviously, the sooner, the better. With regards to those, I've been keeping an eye on them. Nothing really crazy has changed with the prices or anything like that. So selling those, you know, if you have time today, great. If it's, you know, you just don't have time for life admin until you have time to deal with the life admin, then that's okay. So the sale of those goes through. Once the sale happens, then we do the cash contribution. So, realistically, step one is sell those Griffin stocks, and then just let Jack know when those are sold. And what Jack will do is Jack will help talk you through how to make that those contributions. So there is the two contributions, but the two contributions can actually be paid as one amount. It doesn't have to be two separate payments. It's just that the two so in the statement of advice, there's the $9,390 and the $126,000. So the $9,390 is what we're gonna do to claim a concessional. So use the last of that last of your your your carry forward caps from your concessional contributions, and then 126 is a non concessional. So we're not we're not claiming that. There's no tax effectiveness to it. We're popping it straight into the fund because it's a better tax environment for you moving forward, but it's not gonna come off your marginal tax rate for the year. Yeah. So but it can be paid as one lump sum. So, realistically, what you what you would do is you would just pop in a $135.03 90. Then what we're doing is we're gonna claim. We're gonna submit a form for you. We just do that on your behalf once that money lands. After that's all said and done, then we can set up your pension fund. And at the same time that the pension fund's happening, Jack will obviously be on the phone with you. Like, he'll there'll be a form that you have to sign to set up the the fund the pension account. The pension account will start with a $120,000 in it, and about a 118 will sit in the accumulation side. And once those accounts are set up, that's when your salary sacrifice goes at the same time, and that just prevents you from losing income. Because if you start the salary sacrifice before the pension's set up, your employer's gonna start pulling money and you're not gonna have anything to replace it. Yep. He'll have he'll he's already drafted up a letter for you. He's just holding off, obviously, sending it because we we don't want you to salary sacrifice beforehand. But he'll basically email you the letter that you give to your employer, and you basically it's just a letter that says, you know, iMark would like to set this up as a payment, blah blah blah, and the employer can just take that and implement it within their systems. Yep. Absolutely. Seventy seven five. Yep. Mhmm. Twenty six. Yep. Yep. That shouldn't that shouldn't be touching that money shouldn't be touching the money that you have in police or in Latrobe. Yep. Yep. That's cash flow. Okay. That's okay. So what we can do is we can increase the pen pension. Yeah. Yeah. And what we can do is we can increase the pension payments out because the pension payments won't be taxable where your dividends are creating a tax requirement for you. So we can we can just increase the pension payment. That's nothing too stressful on my side. So what's the shortage? Just so I'm clear. Okay. Okay. So look. Ignoring Latrobe because we're not touching Latrobe, so Latrobe will keep paying. Right. And that pays out a dividend and you're and you're physically living off that? Okay. Yeah. Yeah. Until you guys yeah. No. That's okay. Alright. So it's a thousand dollars a month that you're needing as a additional income. Yeah. Yeah. No. That's absolutely okay. I can nice and easily adjust the figures and increase the pension payment. No. No. No. Absolutely. No. That's absolutely okay. I'll take care of it. Yep. Yep. And then oh, call me. Yeah. But if you wanna contribute the $9.09 3 90 today, we can do that. That's nice and easy. Because that job, I'll email you with the bank details. It'll go straight into your account. Just just send it to Larissa. No. Pop pop it into the bank details that link to your account because it'll go straight into your actual account into your Hub twenty four account. Correct? And what I will do is I'll keep an eye on it because it's generally twenty four, forty eight hours, the money will land. Once that money lands, I'll submit the notice of intent to claim immediately. So that way, that counts towards your concessional contributions, and, you'll basically get a receipt to deal with to put towards your tax return for this 2627 financial year. '9 390. Correct? Perfect. And then, yeah, once Griffin sells, realistically, you'll have the same bank details. So you can like, it'll it's the same bank details. You just you pay it through to your hub account through the same bank details I'm gonna send it. But just reply to me and let me know that you when you've done it. As funny as it is when I, you know, get a surprise that, you know, money's in, I I generally like the heads up sometimes. Yeah. Cool. Just yeah. If you let me know when you've done it, I'll see it anyway. But then I'll I'll just sorta know that that step's done, and then I'll get Jack straight on to getting the pension account and everything set up. But I'll have a look and rerun figures just to make sure that I do have the capacity to cover the extra money. And I guess we have I'm just kinda thinking about it. We have one or two options available to us. We can 100% increase the amount straight up, or we can leave it as an ad hoc where you kind of, like, email me and go, hey. I actually do need the extra money. Can you have a payment come out? It's 6 to 500 the other, really. I guess it makes it it means that the money is invested for longer if we keep it in the account, and it's only on a as needed basis. Because, realistically, I can have the money to you within forty eight hours on an as needed basis. I'll run the figures so I would make sure that I've got you sitting on more than and make sure that I haven't skimped any or cut corners or anything like that with dollars and cents. I'll just rerun the figures and make sure that we're kosher, and I'll I'll go from there. Okay? Amazing. Cool. Oh, you have an email from me shortly. Advice document. Yep. Yeah. No. Him and I ran through it yesterday, and he's like, yeah. It makes sense now. Sorry, sir. I was like, no. No. Some sometimes it just needs reclarification, so it's not a problem. For the drawdown pension payments. Yep. Yeah. And we don't wanna put all of it in. Because if we put all of it in, you're forced to take specific amounts, and we don't wanna we don't wanna force them to pay because age basis, they they do start forcing you to take more and more and more and more and more, and I don't want to get to the point. We can 100%, we can move the money around between the accounts. So if you do need more, need less, whatever the case may be, because of your age, you could turn around and say, I wanna take a lump sum. But I just I wanna keep between, you know, making sure that we're actually able to keep a good flow happening and not force us to take as much as the government's gonna force us to take. So if we leave some of it in accumulation, we're covered. Cool. Alright. I'm gonna run my numbers. You'll have an email from me shortly. Absolutely. My pleasure. We'll speak soon. 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Mark. Larissa from Oakview Financial. How are you going? Oh, I can't complain on a beautiful Tuesday morning. Oh, I have no idea.\n\nThe the sun was still peeking up peeking up over the horizon when I walked in the office this morning, but it looks really nice. That's good. As always, I do need to let you know that our calls are recorded. And if I could just get you some security for me. So it's just full name, date of birth, and address for me.\n\nPerfect. And alright. So the reason I'm calling is just to kind of help fill a gap and and just explain things. So with regards to, I guess, steps to implement the sort of next stages of the advice now that we've got claims happen with PSAP and everything through that side is the Griffin stocks. So they can be sold at, like, when you're ready to.\n\nObviously, the sooner, the better. With regards to those, I've been keeping an eye on them. Nothing really crazy has changed with the prices or anything like that. So selling those, you know, if you have time today, great. If it's, you know, you just don't have time for life admin until you have time to deal with the life admin, then that's okay.\n\nSo the sale of those goes through. Once the sale happens, then we do the cash contribution. So, realistically, step one is sell those Griffin stocks, and then just let Jack know when those are sold. And what Jack will do is Jack will help talk you through how to make that those contributions. So there is the two contributions, but the two contributions can actually be paid as one amount.\n\nIt doesn't have to be two separate payments. It's just that the two so in the statement of advice, there's the $9,390 and the $126,000. So the $9,390 is what we're gonna do to claim a concessional. So use the last of that last of your your your carry forward caps from your concessional contributions, and then 126 is a non concessional. So we're not we're not claiming that.\n\nThere's no tax effectiveness to it. We're popping it straight into the fund because it's a better tax environment for you moving forward, but it's not gonna come off your marginal tax rate for the year. Yeah. So but it can be paid as one lump sum. So, realistically, what you what you would do is you would just pop in a $135.03 90.\n\nThen what we're doing is we're gonna claim. We're gonna submit a form for you. We just do that on your behalf once that money lands. After that's all said and done, then we can set up your pension fund. And at the same time that the pension fund's happening, Jack will obviously be on the phone with you.\n\nLike, he'll there'll be a form that you have to sign to set up the the fund the pension account. The pension account will start with a $120,000 in it, and about a 118 will sit in the accumulation side. And once those accounts are set up, that's when your salary sacrifice goes at the same time, and that just prevents you from losing income. Because if you start the salary sacrifice before the pension's set up, your employer's gonna start pulling money and you're not gonna have anything to replace it. Yep.\n\nHe'll have he'll he's already drafted up a letter for you. He's just holding off, obviously, sending it because we we don't want you to salary sacrifice beforehand. But he'll basically email you the letter that you give to your employer, and you basically it's just a letter that says, you know, iMark would like to set this up as a payment, blah blah blah, and the employer can just take that and implement it within their systems. Yep. Absolutely.\n\nSeventy seven five. Yep. Mhmm. Twenty six. Yep.\n\nYep. That shouldn't that shouldn't be touching that money shouldn't be touching the money that you have in police or in Latrobe. Yep. Yep. That's cash flow.\n\nOkay. That's okay. So what we can do is we can increase the pen pension. Yeah. Yeah.\n\nAnd what we can do is we can increase the pension payments out because the pension payments won't be taxable where your dividends are creating a tax requirement for you. So we can we can just increase the pension payment. That's nothing too stressful on my side. So what's the shortage? Just so I'm clear.\n\nOkay. Okay. So look. Ignoring Latrobe because we're not touching Latrobe, so Latrobe will keep paying. Right.\n\nAnd that pays out a dividend and you're and you're physically living off that? Okay. Yeah. Yeah. Until you guys yeah.\n\nNo. That's okay. Alright. So it's a thousand dollars a month that you're needing as a additional income. Yeah.\n\nYeah. No. That's absolutely okay. I can nice and easily adjust the figures and increase the pension payment. No.\n\nNo. No. Absolutely. No. That's absolutely okay.\n\nI'll take care of it. Yep. Yep. And then oh, call me. Yeah.\n\nBut if you wanna contribute the $9.09 3 90 today, we can do that. That's nice and easy. Because that job, I'll email you with the bank details. It'll go straight into your account. Just just send it to Larissa.\n\nNo. Pop pop it into the bank details that link to your account because it'll go straight into your actual account into your Hub twenty four account. Correct? And what I will do is I'll keep an eye on it because it's generally twenty four, forty eight hours, the money will land. Once that money lands, I'll submit the notice of intent to claim immediately.\n\nSo that way, that counts towards your concessional contributions, and, you'll basically get a receipt to deal with to put towards your tax return for this 2627 financial year. '9 390. Correct? Perfect. And then, yeah, once Griffin sells, realistically, you'll have the same bank details.\n\nSo you can like, it'll it's the same bank details. You just you pay it through to your hub account through the same bank details I'm gonna send it. But just reply to me and let me know that you when you've done it. As funny as it is when I, you know, get a surprise that, you know, money's in, I I generally like the heads up sometimes. Yeah.\n\nCool. Just yeah. If you let me know when you've done it, I'll see it anyway. But then I'll I'll just sorta know that that step's done, and then I'll get Jack straight on to getting the pension account and everything set up. But I'll have a look and rerun figures just to make sure that I do have the capacity to cover the extra money.\n\nAnd I guess we have I'm just kinda thinking about it. We have one or two options available to us. We can 100% increase the amount straight up, or we can leave it as an ad hoc where you kind of, like, email me and go, hey. I actually do need the extra money. Can you have a payment come out?\n\nIt's 6 to 500 the other, really. I guess it makes it it means that the money is invested for longer if we keep it in the account, and it's only on a as needed basis. Because, realistically, I can have the money to you within forty eight hours on an as needed basis. I'll run the figures so I would make sure that I've got you sitting on more than and make sure that I haven't skimped any or cut corners or anything like that with dollars and cents. I'll just rerun the figures and make sure that we're kosher, and I'll I'll go from there.\n\nOkay? Amazing. Cool. Oh, you have an email from me shortly. Advice document.\n\nYep. Yeah. No. Him and I ran through it yesterday, and he's like, yeah. It makes sense now.\n\nSorry, sir. I was like, no. No. Some sometimes it just needs reclarification, so it's not a problem. For the drawdown pension payments.\n\nYep. Yeah. And we don't wanna put all of it in. Because if we put all of it in, you're forced to take specific amounts, and we don't wanna we don't wanna force them to pay because age basis, they they do start forcing you to take more and more and more and more and more, and I don't want to get to the point. We can 100%, we can move the money around between the accounts.\n\nSo if you do need more, need less, whatever the case may be, because of your age, you could turn around and say, I wanna take a lump sum. But I just I wanna keep between, you know, making sure that we're actually able to keep a good flow happening and not force us to take as much as the government's gonna force us to take. So if we leave some of it in accumulation, we're covered. Cool. Alright.\n\nI'm gonna run my numbers. You'll have an email from me shortly. Absolutely. My pleasure. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Mark.","start":6.8799996,"end":7.44,"sentiment":"neutral","sentiment_score":0.12191475927829742},{"text":"Larissa from Oakview Financial.","start":7.44,"end":8.72,"sentiment":"neutral","sentiment_score":0.1494386363774538},{"text":"How are you going?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.22706876695156097},{"text":"Oh, I can't complain on a beautiful Tuesday morning.","start":12.32,"end":14.98,"sentiment":"positive","sentiment_score":0.4171827501720852},{"text":"Oh, I have no idea.","start":19.885,"end":21.664999,"sentiment":"neutral","sentiment_score":-0.01612190306186676}],"sentiment":"neutral","sentiment_score":0.22599559867133698,"num_words":24,"start":6.8799996,"end":21.664999},{"sentences":[{"text":"The the sun was still peeking up peeking up over the horizon when I walked in the office this morning, but it looks really nice.","start":21.805,"end":28.064999,"sentiment":"neutral","sentiment_score":0.20311094239354133},{"text":"That's good.","start":32.5,"end":33.48,"sentiment":"positive","sentiment_score":0.6625087559223175},{"text":"As always, I do need to let you know that our calls are recorded.","start":34.02,"end":36.42,"sentiment":"neutral","sentiment_score":0.09953812243682998},{"text":"And if I could just get you some security for me.","start":36.42,"end":38.9,"sentiment":"neutral","sentiment_score":0.06690652058883147},{"text":"So it's just full name, date of birth, and address for me.","start":38.9,"end":41.355,"sentiment":"neutral","sentiment_score":0.056921034740904965}],"sentiment":"neutral","sentiment_score":0.14398982701823115,"num_words":64,"start":21.805,"end":41.355},{"sentences":[{"text":"Perfect.","start":47.595,"end":48.075,"sentiment":"positive","sentiment_score":0.47502633929252625},{"text":"And alright.","start":48.075,"end":49.835,"sentiment":"neutral","sentiment_score":0.19483394175767899},{"text":"So the reason I'm calling is just to kind of help fill a gap and and just explain things.","start":49.835,"end":56.809998,"sentiment":"neutral","sentiment_score":0.08915614003413602},{"text":"So with regards to, I guess, steps to implement the sort of next stages of the advice now that we've got claims happen with PSAP and everything through that side is the Griffin stocks.","start":58.949997,"end":73.604996,"sentiment":"neutral","sentiment_score":0.06306296893778969},{"text":"So they can be sold at, like, when you're ready to.","start":73.604996,"end":77.924995,"sentiment":"neutral","sentiment_score":0.08311098339882764}],"sentiment":"neutral","sentiment_score":0.08383615887654361,"num_words":67,"start":47.595,"end":77.924995},{"sentences":[{"text":"Obviously, the sooner, the better.","start":77.924995,"end":79.704994,"sentiment":"neutral","sentiment_score":0.0501562550663948},{"text":"With regards to those, I've been keeping an eye on them.","start":81.045,"end":83.759995,"sentiment":"neutral","sentiment_score":0.05035801672122695},{"text":"Nothing really crazy has changed with the prices or anything like that.","start":83.759995,"end":87.14,"sentiment":"neutral","sentiment_score":-0.0370138781145215},{"text":"So selling those, you know, if you have time today, great.","start":87.68,"end":91.68,"sentiment":"neutral","sentiment_score":0.11301472444425929},{"text":"If it's, you know, you just don't have time for life admin until you have time to deal with the life admin, then that's okay.","start":91.68,"end":98.195,"sentiment":"neutral","sentiment_score":-0.025074836425483228}],"sentiment":"neutral","sentiment_score":0.015263187189702876,"num_words":64,"start":77.924995,"end":98.195},{"sentences":[{"text":"So the sale of those goes through.","start":99.775,"end":101.455,"sentiment":"neutral","sentiment_score":0.08100241954837527},{"text":"Once the sale happens, then we do the cash contribution.","start":101.455,"end":104.675,"sentiment":"neutral","sentiment_score":0.06461802572011947},{"text":"So, realistically, step one is sell those Griffin stocks, and then just let Jack know when those are sold.","start":105.055,"end":111.63,"sentiment":"neutral","sentiment_score":0.0848621055483818},{"text":"And what Jack will do is Jack will help talk you through how to make that those contributions.","start":111.869995,"end":115.81,"sentiment":"neutral","sentiment_score":0.09146332802871864},{"text":"So there is the two contributions, but the two contributions can actually be paid as one amount.","start":116.189995,"end":120.85,"sentiment":"neutral","sentiment_score":0.041040785720243174}],"sentiment":"neutral","sentiment_score":0.0728114149467626,"num_words":71,"start":99.775,"end":120.85},{"sentences":[{"text":"It doesn't have to be two separate payments.","start":121.07,"end":123.409996,"sentiment":"neutral","sentiment_score":0.00754058244638145},{"text":"It's just that the two so in the statement of advice, there's the $9,390 and the $126,000.","start":123.83501,"end":134.575,"sentiment":"neutral","sentiment_score":0.005560802377979545},{"text":"So the $9,390 is what we're gonna do to claim a concessional.","start":134.875,"end":141.05,"sentiment":"neutral","sentiment_score":0.08412881133457024},{"text":"So use the last of that last of your your your carry forward caps from your concessional contributions, and then 126 is a non concessional.","start":141.19,"end":150.79001,"sentiment":"neutral","sentiment_score":0.04725370362401009},{"text":"So we're not we're not claiming that.","start":150.79001,"end":152.58916,"sentiment":"neutral","sentiment_score":-0.08387885615229607}],"sentiment":"neutral","sentiment_score":0.025486878747039515,"num_words":69,"start":121.07,"end":152.58916},{"sentences":[{"text":"There's no tax effectiveness to it.","start":152.58916,"end":154.47037,"sentiment":"neutral","sentiment_score":-0.11453860749801},{"text":"We're popping it straight into the fund because it's a better tax environment for you moving forward, but it's not gonna come off your marginal tax rate for the year.","start":154.47037,"end":163.87646,"sentiment":"neutral","sentiment_score":0.2775621591756741},{"text":"Yeah.","start":163.87646,"end":164.19,"sentiment":"neutral","sentiment_score":0.13038253784179688},{"text":"So but it can be paid as one lump sum.","start":164.35,"end":166.43001,"sentiment":"neutral","sentiment_score":0.15165405496954917},{"text":"So, realistically, what you what you would do is you would just pop in a $135.03 90.","start":166.43001,"end":172.45,"sentiment":"neutral","sentiment_score":0.1722610584076713}],"sentiment":"neutral","sentiment_score":0.19085928454296663,"num_words":64,"start":152.58916,"end":172.45},{"sentences":[{"text":"Then what we're doing is we're gonna claim.","start":173.47,"end":175.97,"sentiment":"neutral","sentiment_score":0.17601344361901283},{"text":"We're gonna submit a form for you.","start":176.685,"end":178.045,"sentiment":"neutral","sentiment_score":0.19273273646831512},{"text":"We just do that on your behalf once that money lands.","start":178.045,"end":180.385,"sentiment":"neutral","sentiment_score":0.1882090839472684},{"text":"After that's all said and done, then we can set up your pension fund.","start":181.16501,"end":185.745,"sentiment":"neutral","sentiment_score":0.14035677696977342},{"text":"And at the same time that the pension fund's happening, Jack will obviously be on the phone with you.","start":185.80501,"end":189.885,"sentiment":"neutral","sentiment_score":0.11386879023752715}],"sentiment":"neutral","sentiment_score":0.15179726304644245,"num_words":59,"start":173.47,"end":189.885},{"sentences":[{"text":"Like, he'll there'll be a form that you have to sign to set up the the fund the pension account.","start":189.885,"end":194.39,"sentiment":"neutral","sentiment_score":0.10553042385727167},{"text":"The pension account will start with a $120,000 in it, and about a 118 will sit in the accumulation side.","start":195.09,"end":203.75,"sentiment":"neutral","sentiment_score":0.18515858054161072},{"text":"And once those accounts are set up, that's when your salary sacrifice goes at the same time, and that just prevents you from losing income.","start":204.535,"end":210.135,"sentiment":"neutral","sentiment_score":0.2155270528793335},{"text":"Because if you start the salary sacrifice before the pension's set up, your employer's gonna start pulling money and you're not gonna have anything to replace it.","start":210.135,"end":216.795,"sentiment":"neutral","sentiment_score":0.12108102026912901},{"text":"Yep.","start":232.27501,"end":232.515,"sentiment":"neutral","sentiment_score":0.008222059346735477}],"sentiment":"neutral","sentiment_score":0.15569210770509898,"num_words":93,"start":189.885,"end":232.515},{"sentences":[{"text":"He'll have he'll he's already drafted up a letter for you.","start":232.515,"end":235.55501,"sentiment":"neutral","sentiment_score":0.09765457361936569},{"text":"He's just holding off, obviously, sending it because we we don't want you to salary sacrifice beforehand.","start":235.55501,"end":241.655,"sentiment":"neutral","sentiment_score":-0.0776488399680923},{"text":"But he'll basically email you the letter that you give to your employer, and you basically it's just a letter that says, you know, iMark would like to set this up as a payment, blah blah blah, and the employer can just take that and implement it within their systems.","start":242.195,"end":256.07,"sentiment":"neutral","sentiment_score":0.13350882321596147},{"text":"Yep.","start":263.275,"end":263.775,"sentiment":"neutral","sentiment_score":0.10781104862689972},{"text":"Absolutely.","start":267.755,"end":268.255,"sentiment":"neutral","sentiment_score":0.0818677544593811}],"sentiment":"neutral","sentiment_score":0.0827411249279976,"num_words":80,"start":232.515,"end":268.255},{"sentences":[{"text":"Seventy seven five.","start":272.875,"end":273.91498,"sentiment":"neutral","sentiment_score":0.03942362032830715},{"text":"Yep.","start":273.91498,"end":274.38,"sentiment":"neutral","sentiment_score":0.04322148114442825},{"text":"Mhmm.","start":275.98,"end":276.48,"sentiment":"neutral","sentiment_score":0.03913821280002594},{"text":"Twenty six.","start":278.14,"end":279.12,"sentiment":"neutral","sentiment_score":0.027399802580475807},{"text":"Yep.","start":279.42,"end":279.92,"sentiment":"neutral","sentiment_score":0.03446662798523903}],"sentiment":"neutral","sentiment_score":0.036237098509445786,"num_words":8,"start":272.875,"end":279.92},{"sentences":[{"text":"Yep.","start":281.98,"end":282.48,"sentiment":"neutral","sentiment_score":0.06622947752475739},{"text":"That shouldn't that shouldn't be touching that money shouldn't be touching the money that you have in police or in Latrobe.","start":291.75497,"end":301.01,"sentiment":"neutral","sentiment_score":-0.18641578867321923},{"text":"Yep.","start":305.71,"end":306.21,"sentiment":"neutral","sentiment_score":-0.03829066455364227},{"text":"Yep.","start":348.55502,"end":348.87,"sentiment":"neutral","sentiment_score":0.0606936514377594},{"text":"That's cash flow.","start":355.03,"end":356.09,"sentiment":"neutral","sentiment_score":0.09618545075257619}],"sentiment":"neutral","sentiment_score":-0.13102010168411113,"num_words":27,"start":281.98,"end":356.09},{"sentences":[{"text":"Okay.","start":357.83,"end":358.15,"sentiment":"neutral","sentiment_score":0.1552441269159317},{"text":"That's okay.","start":358.15,"end":358.63,"sentiment":"neutral","sentiment_score":0.2292691022157669},{"text":"So what we can do is we can increase the pen pension.","start":358.63,"end":364.605,"sentiment":"neutral","sentiment_score":0.09194046476234992},{"text":"Yeah.","start":366.105,"end":366.425,"sentiment":"neutral","sentiment_score":0.23132656514644623},{"text":"Yeah.","start":366.425,"end":366.585,"sentiment":"neutral","sentiment_score":0.283639520406723}],"sentiment":"neutral","sentiment_score":0.13129611729699023,"num_words":17,"start":357.83,"end":366.585},{"sentences":[{"text":"And what we can do is we can increase the pension payments out because the pension payments won't be taxable where your dividends are creating a tax requirement for you.","start":366.585,"end":377.28998,"sentiment":"neutral","sentiment_score":0.299380291501681},{"text":"So we can we can just increase the pension payment.","start":378.22998,"end":380.72998,"sentiment":"positive","sentiment_score":0.4924100011587143},{"text":"That's nothing too stressful on my side.","start":380.87,"end":385.21,"sentiment":"positive","sentiment_score":0.500534210886274},{"text":"So what's the shortage?","start":386.62997,"end":387.93,"sentiment":"neutral","sentiment_score":-0.09889193624258041},{"text":"Just so I'm clear.","start":388.06998,"end":389.84998,"sentiment":"neutral","sentiment_score":-0.04058300610631704}],"sentiment":"neutral","sentiment_score":0.30638815388083457,"num_words":55,"start":366.585,"end":389.84998},{"sentences":[{"text":"Okay.","start":412.0,"end":412.5,"sentiment":"neutral","sentiment_score":-0.007420601323246956},{"text":"Okay.","start":414.0,"end":414.4,"sentiment":"neutral","sentiment_score":0.02403632551431656},{"text":"So look.","start":414.4,"end":415.125,"sentiment":"neutral","sentiment_score":0.005423597060143948},{"text":"Ignoring Latrobe because we're not touching Latrobe, so Latrobe will keep paying.","start":415.525,"end":418.665,"sentiment":"neutral","sentiment_score":-0.09096469450742006},{"text":"Right.","start":422.245,"end":422.745,"sentiment":"neutral","sentiment_score":0.10361140966415404}],"sentiment":"neutral","sentiment_score":-0.05650011800667819,"num_words":17,"start":412.0,"end":422.745},{"sentences":[{"text":"And that pays out a dividend and you're and you're physically living off that?","start":429.94,"end":433.80002,"sentiment":"neutral","sentiment_score":0.09701528666274888},{"text":"Okay.","start":436.58002,"end":437.08002,"sentiment":"neutral","sentiment_score":0.014720341190695764},{"text":"Yeah.","start":437.62003,"end":438.12003,"sentiment":"neutral","sentiment_score":-0.01183662936091423},{"text":"Yeah.","start":440.98502,"end":441.305,"sentiment":"neutral","sentiment_score":-0.002686087042093277},{"text":"Until you guys yeah.","start":441.305,"end":442.505,"sentiment":"neutral","sentiment_score":-0.05873578321188688}],"sentiment":"neutral","sentiment_score":0.053498500248505956,"num_words":21,"start":429.94,"end":442.505},{"sentences":[{"text":"No.","start":442.505,"end":442.665,"sentiment":"neutral","sentiment_score":-0.19364365935325625},{"text":"That's okay.","start":442.665,"end":443.225,"sentiment":"neutral","sentiment_score":-0.10279881954193115},{"text":"Alright.","start":443.225,"end":443.725,"sentiment":"neutral","sentiment_score":0.08868084847927094},{"text":"So it's a thousand dollars a month that you're needing as a additional income.","start":444.025,"end":448.20502,"sentiment":"neutral","sentiment_score":0.08251115041119712},{"text":"Yeah.","start":450.665,"end":451.165,"sentiment":"neutral","sentiment_score":0.004275716841220856}],"sentiment":"neutral","sentiment_score":0.04467744066527015,"num_words":19,"start":442.505,"end":451.165},{"sentences":[{"text":"Yeah.","start":460.75998,"end":461.15997,"sentiment":"neutral","sentiment_score":0.12356285750865936},{"text":"No.","start":461.15997,"end":461.4,"sentiment":"neutral","sentiment_score":-0.08484885096549988},{"text":"That's absolutely okay.","start":461.4,"end":462.94,"sentiment":"neutral","sentiment_score":0.14050519342223802},{"text":"I can nice and easily adjust the figures and increase the pension payment.","start":463.0,"end":472.18503,"sentiment":"positive","sentiment_score":0.4128118335054471},{"text":"No.","start":475.125,"end":475.625,"sentiment":"neutral","sentiment_score":-0.10837749391794203}],"sentiment":"neutral","sentiment_score":0.3009687330769865,"num_words":19,"start":460.75998,"end":475.625},{"sentences":[{"text":"No.","start":475.765,"end":475.845,"sentiment":"neutral","sentiment_score":-0.12791945040225983},{"text":"No.","start":475.845,"end":476.345,"sentiment":"neutral","sentiment_score":-0.1400436908006668},{"text":"Absolutely.","start":477.68503,"end":478.18503,"sentiment":"neutral","sentiment_score":0.08913715183734894},{"text":"No.","start":480.59,"end":480.91,"sentiment":"neutral","sentiment_score":-0.0275440514087677},{"text":"That's absolutely okay.","start":480.91,"end":482.29,"sentiment":"neutral","sentiment_score":0.1932490219672521}],"sentiment":"neutral","sentiment_score":0.05333957501820156,"num_words":7,"start":475.765,"end":482.29},{"sentences":[{"text":"I'll take care of it.","start":485.71,"end":486.93,"sentiment":"neutral","sentiment_score":0.10890647619962693},{"text":"Yep.","start":489.95,"end":490.45,"sentiment":"neutral","sentiment_score":0.20240788161754608},{"text":"Yep.","start":502.845,"end":503.345,"sentiment":"neutral","sentiment_score":0.16838179528713226},{"text":"And then oh, call me.","start":504.045,"end":511.92,"sentiment":"neutral","sentiment_score":0.07979196608066559},{"text":"Yeah.","start":511.98,"end":512.46,"sentiment":"neutral","sentiment_score":0.06780309975147247}],"sentiment":"neutral","sentiment_score":0.10631422985058564,"num_words":13,"start":485.71,"end":512.46},{"sentences":[{"text":"But if you wanna contribute the $9.09 3 90 today, we can do that.","start":512.46,"end":516.48,"sentiment":"neutral","sentiment_score":0.09037744719535112},{"text":"That's nice and easy.","start":517.18,"end":518.4,"sentiment":"positive","sentiment_score":0.5687740072607994},{"text":"Because that job, I'll email you with the bank details.","start":518.94,"end":523.425,"sentiment":"neutral","sentiment_score":0.05823272354900837},{"text":"It'll go straight into your account.","start":523.425,"end":525.045,"sentiment":"neutral","sentiment_score":0.076986413449049},{"text":"Just just send it to Larissa.","start":525.825,"end":527.285,"sentiment":"neutral","sentiment_score":0.11274597917993863}],"sentiment":"neutral","sentiment_score":0.13152754702605307,"num_words":40,"start":512.46,"end":527.285},{"sentences":[{"text":"No.","start":527.58496,"end":528.08496,"sentiment":"neutral","sentiment_score":0.017227904871106148},{"text":"Pop pop it into the bank details that link to your account because it'll go straight into your actual account into your Hub twenty four account.","start":528.545,"end":538.38,"sentiment":"neutral","sentiment_score":0.053980074966183074},{"text":"Correct?","start":538.38,"end":538.88,"sentiment":"neutral","sentiment_score":0.043938420712947845},{"text":"And what I will do is I'll keep an eye on it because it's generally twenty four, forty eight hours, the money will land.","start":539.98,"end":546.975,"sentiment":"neutral","sentiment_score":0.07996121840551496},{"text":"Once that money lands, I'll submit the notice of intent to claim immediately.","start":547.055,"end":550.035,"sentiment":"neutral","sentiment_score":0.0876307046184173}],"sentiment":"neutral","sentiment_score":0.06958333348425536,"num_words":65,"start":527.58496,"end":550.035},{"sentences":[{"text":"So that way, that counts towards your concessional contributions, and, you'll basically get a receipt to deal with to put towards your tax return for this 2627 financial year.","start":550.57495,"end":562.27496,"sentiment":"neutral","sentiment_score":0.1842460704260859},{"text":"'9 390.","start":565.17,"end":566.37,"sentiment":"neutral","sentiment_score":0.021119183860719204},{"text":"Correct?","start":566.37,"end":566.87,"sentiment":"neutral","sentiment_score":0.0267496258020401},{"text":"Perfect.","start":570.05,"end":570.44995,"sentiment":"positive","sentiment_score":0.7933769822120667},{"text":"And then, yeah, once Griffin sells, realistically, you'll have the same bank details.","start":570.44995,"end":575.11,"sentiment":"neutral","sentiment_score":0.18739799295480436}],"sentiment":"neutral","sentiment_score":0.1878624984022716,"num_words":46,"start":550.57495,"end":575.11},{"sentences":[{"text":"So you can like, it'll it's the same bank details.","start":576.115,"end":578.435,"sentiment":"neutral","sentiment_score":0.14081840664148332},{"text":"You just you pay it through to your hub account through the same bank details I'm gonna send it.","start":578.435,"end":583.65497,"sentiment":"neutral","sentiment_score":0.115627195490034},{"text":"But just reply to me and let me know that you when you've done it.","start":584.355,"end":587.815,"sentiment":"neutral","sentiment_score":0.17305394609769184},{"text":"As funny as it is when I, you know, get a surprise that, you know, money's in, I I generally like the heads up sometimes.","start":588.79,"end":594.57,"sentiment":"neutral","sentiment_score":0.11887450218200683},{"text":"Yeah.","start":599.03,"end":599.27,"sentiment":"positive","sentiment_score":0.3978177607059479}],"sentiment":"neutral","sentiment_score":0.13672271839209965,"num_words":70,"start":576.115,"end":599.27},{"sentences":[{"text":"Cool.","start":599.27,"end":599.59,"sentiment":"positive","sentiment_score":0.4944300651550293},{"text":"Just yeah.","start":599.59,"end":599.99,"sentiment":"neutral","sentiment_score":0.3107275664806366},{"text":"If you let me know when you've done it, I'll see it anyway.","start":599.99,"end":603.475,"sentiment":"neutral","sentiment_score":0.19904863032010886},{"text":"But then I'll I'll just sorta know that that step's done, and then I'll get Jack straight on to getting the pension account and everything set up.","start":603.735,"end":611.975,"sentiment":"neutral","sentiment_score":0.1824933980350141},{"text":"But I'll have a look and rerun figures just to make sure that I do have the capacity to cover the extra money.","start":611.975,"end":619.4,"sentiment":"neutral","sentiment_score":0.11127790841071503}],"sentiment":"neutral","sentiment_score":0.16954895504044765,"num_words":66,"start":599.27,"end":619.4},{"sentences":[{"text":"And I guess we have I'm just kinda thinking about it.","start":619.62,"end":621.7,"sentiment":"neutral","sentiment_score":0.08180541883815419},{"text":"We have one or two options available to us.","start":621.7,"end":623.62,"sentiment":"neutral","sentiment_score":0.12443608376714918},{"text":"We can 100% increase the amount straight up, or we can leave it as an ad hoc where you kind of, like, email me and go, hey.","start":623.62,"end":632.625,"sentiment":"neutral","sentiment_score":0.11616793895761172},{"text":"I actually do need the extra money.","start":632.625,"end":634.305,"sentiment":"neutral","sentiment_score":0.11000894116503852},{"text":"Can you have a payment come out?","start":634.305,"end":636.08496,"sentiment":"neutral","sentiment_score":0.045980051692043035}],"sentiment":"neutral","sentiment_score":0.10243019119637911,"num_words":61,"start":619.62,"end":636.08496},{"sentences":[{"text":"It's 6 to 500 the other, really.","start":636.785,"end":638.70496,"sentiment":"neutral","sentiment_score":0.09970559818404061},{"text":"I guess it makes it it means that the money is invested for longer if we keep it in the account, and it's only on a as needed basis.","start":638.70496,"end":645.33,"sentiment":"neutral","sentiment_score":0.17480136736713606},{"text":"Because, realistically, I can have the money to you within forty eight hours on an as needed basis.","start":645.49,"end":650.63,"sentiment":"neutral","sentiment_score":0.30716395295328563},{"text":"I'll run the figures so I would make sure that I've got you sitting on more than and make sure that I haven't skimped any or cut corners or anything like that with dollars and cents.","start":668.27496,"end":679.12,"sentiment":"neutral","sentiment_score":0.019825557402024668},{"text":"I'll just rerun the figures and make sure that we're kosher, and I'll I'll go from there.","start":679.12,"end":683.68,"sentiment":"neutral","sentiment_score":0.09277941516655333}],"sentiment":"neutral","sentiment_score":0.1269822440971838,"num_words":107,"start":636.785,"end":683.68},{"sentences":[{"text":"Okay?","start":683.68,"end":684.18,"sentiment":"neutral","sentiment_score":0.005572313442826271},{"text":"Amazing.","start":686.48004,"end":686.98004,"sentiment":"positive","sentiment_score":0.5228128433227539},{"text":"Cool.","start":687.36005,"end":687.76,"sentiment":"positive","sentiment_score":0.4816492795944214},{"text":"Oh, you have an email from me shortly.","start":687.76,"end":689.62,"sentiment":"positive","sentiment_score":0.3433718904852867},{"text":"Advice document.","start":697.195,"end":698.175,"sentiment":"neutral","sentiment_score":0.06504989974200726}],"sentiment":"neutral","sentiment_score":0.2990084122866392,"num_words":13,"start":683.68,"end":698.175},{"sentences":[{"text":"Yep.","start":698.635,"end":699.135,"sentiment":"neutral","sentiment_score":0.10158360004425047},{"text":"Yeah.","start":708.81,"end":709.31,"sentiment":"neutral","sentiment_score":0.043981727212667465},{"text":"No.","start":709.61005,"end":710.01,"sentiment":"neutral","sentiment_score":-0.011037347838282583},{"text":"Him and I ran through it yesterday, and he's like, yeah.","start":710.01,"end":711.85004,"sentiment":"neutral","sentiment_score":0.025814016349613667},{"text":"It makes sense now.","start":711.85004,"end":712.57,"sentiment":"neutral","sentiment_score":0.02964064758270979}],"sentiment":"neutral","sentiment_score":0.029835819421956938,"num_words":18,"start":698.635,"end":712.57},{"sentences":[{"text":"Sorry, sir.","start":712.57,"end":713.13,"sentiment":"neutral","sentiment_score":-0.050595369189977646},{"text":"I was like, no.","start":713.13,"end":713.77,"sentiment":"neutral","sentiment_score":-0.09309406019747257},{"text":"No.","start":713.77,"end":714.25,"sentiment":"neutral","sentiment_score":-0.12401026487350464},{"text":"Some sometimes it just needs reclarification, so it's not a problem.","start":714.25,"end":717.71,"sentiment":"neutral","sentiment_score":-0.11234977265650575},{"text":"For the drawdown pension payments.","start":729.045,"end":730.745,"sentiment":"neutral","sentiment_score":0.008505279570817948}],"sentiment":"neutral","sentiment_score":-0.07786514545264452,"num_words":23,"start":712.57,"end":730.745},{"sentences":[{"text":"Yep.","start":730.805,"end":731.305,"sentiment":"neutral","sentiment_score":0.040804412215948105},{"text":"Yeah.","start":731.925,"end":732.425,"sentiment":"neutral","sentiment_score":0.021554594859480854},{"text":"And we don't wanna put all of it in.","start":732.565,"end":734.11,"sentiment":"neutral","sentiment_score":-0.052472894804345235},{"text":"Because if we put all of it in, you're forced to take specific amounts, and we don't wanna we don't wanna force them to pay because age basis, they they do start forcing you to take more and more and more and more and more, and I don't want to get to the point.","start":734.11,"end":750.85504,"sentiment":"neutral","sentiment_score":-0.12011351120761699},{"text":"We can 100%, we can move the money around between the accounts.","start":750.85504,"end":754.47504,"sentiment":"neutral","sentiment_score":0.07014672365039587}],"sentiment":"neutral","sentiment_score":-0.07862683074766552,"num_words":77,"start":730.805,"end":754.47504},{"sentences":[{"text":"So if you do need more, need less, whatever the case may be, because of your age, you could turn around and say, I wanna take a lump sum.","start":754.935,"end":760.075,"sentiment":"neutral","sentiment_score":-0.010583307850977471},{"text":"But I just I wanna keep between, you know, making sure that we're actually able to keep a good flow happening and not force us to take as much as the government's gonna force us to take.","start":761.22,"end":770.26,"sentiment":"neutral","sentiment_score":0.2526708161710082},{"text":"So if we leave some of it in accumulation, we're covered.","start":770.26,"end":772.92,"sentiment":"neutral","sentiment_score":0.13148355213078586},{"text":"Cool.","start":777.41504,"end":777.735,"sentiment":"positive","sentiment_score":0.7384582757949829},{"text":"Alright.","start":777.735,"end":778.055,"sentiment":"positive","sentiment_score":0.4304029941558838}],"sentiment":"neutral","sentiment_score":0.14755803308909451,"num_words":79,"start":754.935,"end":778.055},{"sentences":[{"text":"I'm gonna run my numbers.","start":778.055,"end":779.015,"sentiment":"positive","sentiment_score":0.37923616766929624},{"text":"You'll have an email from me shortly.","start":779.015,"end":780.555,"sentiment":"positive","sentiment_score":0.3474690020084381},{"text":"Absolutely.","start":783.41504,"end":783.91504,"sentiment":"positive","sentiment_score":0.7794002294540405},{"text":"My pleasure.","start":783.97504,"end":784.635,"sentiment":"positive","sentiment_score":0.7854134142398834},{"text":"We'll speak soon.","start":784.775,"end":785.755,"sentiment":"positive","sentiment_score":0.3555222650369008}],"sentiment":"positive","sentiment_score":0.43029209474722546,"num_words":18,"start":778.055,"end":785.755},{"sentences":[{"text":"Bye.","start":787.41504,"end":787.91504,"sentiment":"neutral","sentiment_score":-0.11983942240476608}],"sentiment":"neutral","sentiment_score":-0.11983942240476608,"num_words":1,"start":787.41504,"end":787.91504}]}}]},{"alternatives":[{"transcript":"Mark Wallace. Fantastic, Marissa. How are you? That is it. Twenty three here today. Yeah. It is. It is. It's good. Mark Wallace. 12115718 Floyd Court, Gander. Yep. Yep. Yep. Yep. Yep. Right. Okay. Sorry. What do you mean to the what do you mean to your contributions? Oh, okay. Yep. Yes. Yeah. Good. Mhmm. Okay. Yep. Yeah. No. Got it. So that that's fine. So when when and Jack's gonna talk me through how much I need to salary sacrifice as well? Yep. Okay. Okay. Yep. Yep. Okay. Yeah. And I noticed that pretty much replaces what we're so we're sacrificing. So that's all fine. The let me just couple of questions. We put the we we we put the 7070 775 in. We're gonna put another 26 in plus another 9. That's all money that would be giving me a monthly dividend at the moment. So it's part of my current cash flow. No. No. Just said it. No. Police Bank and and Latrobe, we're living alone at the moment. So it's the other it's it's what what what what the work matter? So about 1,000 about about $1,000 a month that I'll be down on cash flow by putting this take the money out of Griffin, take the money out and and putting that additional 9,000 concessional in plus the 77,500 we put in before the end of financial year. So it was the $102,100, about $210,000 that I've put in, which I would typically get a monthly dividend from or monthly payment from. Yeah. Yeah. We got Skype. We got headroom within the within the current cap to be able to do that. Yes. Yes. Well, I worked it out. We've got if we just take the Griffin money, 126, the contribution is $77.05, that's $203,500. We'll try currently, it used to be 6.75. So it's about a thousand bucks a month is the difference. No. No. No. I'm just using Latrobe as my opportunity cost number. That's all. So if I if I was to put the money in in somewhere, that that's what I'd be getting. Partly, yes. Yeah. At the moment, yes. Because of the because we're we're renting and all that sort of stuff at the moment. So yeah. If we can, it doesn't it's not it's not a deal breaker. I mean, I can I can do without it, but it's it's just at the moment, it's it's it comes into the account? We we use that to live off. If it can't if it if it can't be done and you wanna make it less, make it less. What what have you what have you worked on in the cap? That's all. Okay. Got it. I know you've got a yeah. Okay. Alright. I'll leave it in your I'll leave it in your capable hands. But what I need to do is, at the moment, I need to get Griffin done. And the $9,000 is easy. That's sitting there in cash anyway now. So that's not a problem. It's just Griffin, I'll just they do get the boys to cash that in. I'll I'll send Jack and copy you once that's done. Okay. Okay. That's alright. Where do you want me to put where do you want me to put it? Yeah. Cool. Into the HOP 24 cap. Okay. Yep. Okay. Okay. Beautiful. So it's 09/9390. Right? Yep. Beauty. I'll do it straight away. Yep. Okay. Okay. Yeah. I will. Yeah. Okay. Got it. Correct. Yep. We we might we might just do that because I I might be able to do without it, honestly. I mean, I'll just, you know, boil less potatoes and slice the mix. K. That's a rip up. Right. Right. Thank hey. Thank you for clarifying all that. I should've just gone back. I mean, I Jack did help me out. I opened up the the the invite we we went through it and it kind of it made it made made sense what he was saying. But he he just wanted to confirm in his mind that that's what was what was happening. Yeah. So the the 120 in the pension fund, is that that's the amount that we're we're using for the for the TR. Right? Yeah. Okay. Yep. Yeah. Okay. It's it's good. Okay. Brilliant. Thank you, Larissa. Appreciate your help. Okay. Ciao. 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Wallace. Fantastic, Marissa. How are you? That is it. Twenty three here today.\n\nYeah. It is. It is. It's good. Mark Wallace.\n\n12115718 Floyd Court, Gander. Yep. Yep. Yep. Yep.\n\nYep. Right. Okay. Sorry. What do you mean to the what do you mean to your contributions?\n\nOh, okay. Yep. Yes. Yeah. Good.\n\nMhmm. Okay. Yep. Yeah. No.\n\nGot it. So that that's fine. So when when and Jack's gonna talk me through how much I need to salary sacrifice as well? Yep. Okay.\n\nOkay. Yep. Yep. Okay. Yeah.\n\nAnd I noticed that pretty much replaces what we're so we're sacrificing. So that's all fine. The let me just couple of questions. We put the we we we put the 7070 775 in. We're gonna put another 26 in plus another 9.\n\nThat's all money that would be giving me a monthly dividend at the moment. So it's part of my current cash flow. No. No. Just said it.\n\nNo. Police Bank and and Latrobe, we're living alone at the moment. So it's the other it's it's what what what what the work matter? So about 1,000 about about $1,000 a month that I'll be down on cash flow by putting this take the money out of Griffin, take the money out and and putting that additional 9,000 concessional in plus the 77,500 we put in before the end of financial year. So it was the $102,100, about $210,000 that I've put in, which I would typically get a monthly dividend from or monthly payment from.\n\nYeah. Yeah. We got Skype. We got headroom within the within the current cap to be able to do that. Yes.\n\nYes. Well, I worked it out. We've got if we just take the Griffin money, 126, the contribution is $77.05, that's $203,500. We'll try currently, it used to be 6.75. So it's about a thousand bucks a month is the difference.\n\nNo. No. No. I'm just using Latrobe as my opportunity cost number. That's all.\n\nSo if I if I was to put the money in in somewhere, that that's what I'd be getting. Partly, yes. Yeah. At the moment, yes. Because of the because we're we're renting and all that sort of stuff at the moment.\n\nSo yeah. If we can, it doesn't it's not it's not a deal breaker. I mean, I can I can do without it, but it's it's just at the moment, it's it's it comes into the account? We we use that to live off. If it can't if it if it can't be done and you wanna make it less, make it less.\n\nWhat what have you what have you worked on in the cap? That's all. Okay. Got it. I know you've got a yeah.\n\nOkay. Alright. I'll leave it in your I'll leave it in your capable hands. But what I need to do is, at the moment, I need to get Griffin done. And the $9,000 is easy.\n\nThat's sitting there in cash anyway now. So that's not a problem. It's just Griffin, I'll just they do get the boys to cash that in. I'll I'll send Jack and copy you once that's done. Okay.\n\nOkay. That's alright. Where do you want me to put where do you want me to put it? Yeah. Cool.\n\nInto the HOP 24 cap. Okay. Yep. Okay. Okay.\n\nBeautiful. So it's 09/9390. Right? Yep. Beauty.\n\nI'll do it straight away. Yep. Okay. Okay. Yeah.\n\nI will. Yeah. Okay. Got it. Correct.\n\nYep. We we might we might just do that because I I might be able to do without it, honestly. I mean, I'll just, you know, boil less potatoes and slice the mix. K. That's a rip up.\n\nRight. Right. Thank hey. Thank you for clarifying all that. I should've just gone back.\n\nI mean, I Jack did help me out. I opened up the the the invite we we went through it and it kind of it made it made made sense what he was saying. But he he just wanted to confirm in his mind that that's what was what was happening. Yeah. So the the 120 in the pension fund, is that that's the amount that we're we're using for the for the TR.\n\nRight? Yeah. Okay. Yep. Yeah.\n\nOkay. It's it's good. Okay. Brilliant. Thank you, Larissa.\n\nAppreciate your help. Okay. Ciao. Bye.","paragraphs":[{"sentences":[{"text":"Mark Wallace.","start":0.08,"end":5.54,"sentiment":"neutral","sentiment_score":0.01783770089969039},{"text":"Fantastic, Marissa.","start":10.08,"end":11.28,"sentiment":"positive","sentiment_score":0.6907772123813629},{"text":"How are you?","start":11.28,"end":12.099999,"sentiment":"positive","sentiment_score":0.44517357150713605},{"text":"That is it.","start":15.715,"end":16.615,"sentiment":"neutral","sentiment_score":0.2892693479855855},{"text":"Twenty three here today.","start":17.555,"end":19.335,"sentiment":"neutral","sentiment_score":0.11610420793294907}],"sentiment":"neutral","sentiment_score":0.29178395834086196,"num_words":14,"start":0.08,"end":19.335},{"sentences":[{"text":"Yeah.","start":25.09,"end":25.59,"sentiment":"neutral","sentiment_score":0.1805589199066162},{"text":"It is.","start":28.37,"end":29.33,"sentiment":"positive","sentiment_score":0.4782353937625885},{"text":"It 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well?","start":223.06,"end":231.795,"sentiment":"neutral","sentiment_score":0.022081962683134608},{"text":"Yep.","start":235.555,"end":235.875,"sentiment":"neutral","sentiment_score":0.10390853881835938},{"text":"Okay.","start":235.875,"end":236.375,"sentiment":"neutral","sentiment_score":0.039002977311611176}],"sentiment":"neutral","sentiment_score":0.06431220887372127,"num_words":26,"start":218.625,"end":236.375},{"sentences":[{"text":"Okay.","start":237.635,"end":237.795,"sentiment":"neutral","sentiment_score":0.06818324327468872},{"text":"Yep.","start":237.795,"end":238.295,"sentiment":"neutral","sentiment_score":0.11193134635686874},{"text":"Yep.","start":245.635,"end":246.135,"sentiment":"neutral","sentiment_score":0.12519758939743042},{"text":"Okay.","start":254.22,"end":254.72,"sentiment":"neutral","sentiment_score":0.17020799219608307},{"text":"Yeah.","start":256.46,"end":256.96,"sentiment":"neutral","sentiment_score":0.1193407028913498}],"sentiment":"neutral","sentiment_score":0.11897217482328415,"num_words":5,"start":237.635,"end":256.96},{"sentences":[{"text":"And I noticed that pretty much replaces what we're so we're sacrificing.","start":257.02,"end":261.505,"sentiment":"neutral","sentiment_score":-0.12985594818989435},{"text":"So that's all fine.","start":261.725,"end":262.785,"sentiment":"neutral","sentiment_score":0.10200046561658382},{"text":"The let me just couple of questions.","start":264.445,"end":267.405,"sentiment":"neutral","sentiment_score":0.05410493963531086},{"text":"We put the we we we put the 7070 775 in.","start":267.405,"end":275.49,"sentiment":"neutral","sentiment_score":0.04262782294641842},{"text":"We're gonna put another 26 in plus another 9.","start":275.49,"end":281.43,"sentiment":"neutral","sentiment_score":0.03601191317041715}],"sentiment":"neutral","sentiment_score":0.0004994961064915325,"num_words":43,"start":257.02,"end":281.43},{"sentences":[{"text":"That's all money that would be giving me a monthly dividend at the moment.","start":282.28998,"end":288.10498,"sentiment":"neutral","sentiment_score":0.0368379679109369},{"text":"So it's part of my current cash flow.","start":291.28497,"end":293.305,"sentiment":"neutral","sentiment_score":-0.12659274026373168},{"text":"No.","start":300.32498,"end":300.56497,"sentiment":"neutral","sentiment_score":-0.1724492907524109},{"text":"No.","start":300.56497,"end":300.9,"sentiment":"neutral","sentiment_score":-0.2068532556295395},{"text":"Just said it.","start":301.06,"end":301.62,"sentiment":"neutral","sentiment_score":-0.17316282292207083}],"sentiment":"neutral","sentiment_score":-0.051696347648329616,"num_words":27,"start":282.28998,"end":301.62},{"sentences":[{"text":"No.","start":301.62,"end":301.94,"sentiment":"neutral","sentiment_score":-0.22590607404708865},{"text":"Police Bank and and Latrobe, we're living alone at the moment.","start":301.94,"end":305.4,"sentiment":"neutral","sentiment_score":-0.2576263574036685},{"text":"So it's the other it's it's what what what what the work matter?","start":307.62,"end":313.96,"sentiment":"neutral","sentiment_score":-0.09629669957436048},{"text":"So about 1,000 about about $1,000 a month that I'll be down on cash flow by putting this take the money out of Griffin, take the money out and and putting that additional 9,000 concessional in plus the 77,500 we put in before the end of financial year.","start":315.725,"end":339.92,"sentiment":"neutral","sentiment_score":-0.04408616568737974},{"text":"So it was the $102,100, about $210,000 that I've put in, which I would typically get a monthly dividend from or monthly payment from.","start":340.86002,"end":354.875,"sentiment":"neutral","sentiment_score":0.06698721010858814}],"sentiment":"neutral","sentiment_score":-0.04969171144682722,"num_words":97,"start":301.62,"end":354.875},{"sentences":[{"text":"Yeah.","start":356.455,"end":356.955,"sentiment":"neutral","sentiment_score":0.1260870397090912},{"text":"Yeah.","start":359.3,"end":359.62,"sentiment":"neutral","sentiment_score":0.11459491401910782},{"text":"We got Skype.","start":359.62,"end":360.58,"sentiment":"neutral","sentiment_score":0.08361882778505485},{"text":"We got headroom within the within the current cap to be able to do that.","start":360.58,"end":365.8,"sentiment":"neutral","sentiment_score":0.029020696381727853},{"text":"Yes.","start":377.02502,"end":377.505,"sentiment":"neutral","sentiment_score":0.2637014389038086}],"sentiment":"neutral","sentiment_score":0.05669287246252809,"num_words":21,"start":356.455,"end":377.505},{"sentences":[{"text":"Yes.","start":377.505,"end":378.005,"sentiment":"neutral","sentiment_score":0.30182355642318726},{"text":"Well, I worked it out.","start":391.0,"end":392.54,"sentiment":"neutral","sentiment_score":0.08751502186059952},{"text":"We've got if we just take the Griffin money, 126, the contribution is $77.05, that's $203,500.","start":394.12,"end":403.615,"sentiment":"neutral","sentiment_score":0.04875019332394004},{"text":"We'll try currently, it used to be 6.75.","start":405.91498,"end":408.79498,"sentiment":"neutral","sentiment_score":0.014324146613944322},{"text":"So it's about a thousand bucks a month is the difference.","start":408.79498,"end":412.68,"sentiment":"neutral","sentiment_score":0.009187242439524694}],"sentiment":"neutral","sentiment_score":0.04231840484525736,"num_words":41,"start":377.505,"end":412.68},{"sentences":[{"text":"No.","start":417.93997,"end":418.18,"sentiment":"neutral","sentiment_score":-0.2956796884536743},{"text":"No.","start":418.18,"end":418.34,"sentiment":"neutral","sentiment_score":-0.3066209554672241},{"text":"No.","start":418.34,"end":418.5,"sentiment":"neutral","sentiment_score":-0.2869240641593933},{"text":"I'm just using Latrobe as my opportunity cost number.","start":418.5,"end":421.13998,"sentiment":"neutral","sentiment_score":-0.07334873742527431},{"text":"That's all.","start":421.13998,"end":421.87997,"sentiment":"neutral","sentiment_score":-0.05388629995286465}],"sentiment":"neutral","sentiment_score":-0.11836685320096356,"num_words":14,"start":417.93997,"end":421.87997},{"sentences":[{"text":"So if I if I was to put the money in in somewhere, that that's what I'd be getting.","start":423.425,"end":427.845,"sentiment":"neutral","sentiment_score":0.13867894716952978},{"text":"Partly, yes.","start":434.785,"end":435.66,"sentiment":"neutral","sentiment_score":0.07229689136147499},{"text":"Yeah.","start":435.98,"end":436.06,"sentiment":"neutral","sentiment_score":0.04153360798954964},{"text":"At the moment, yes.","start":436.06,"end":437.1,"sentiment":"neutral","sentiment_score":0.006853620521724224},{"text":"Because of the because we're we're renting and all that sort of stuff at the moment.","start":437.1,"end":440.94,"sentiment":"neutral","sentiment_score":-0.06836573698092252}],"sentiment":"neutral","sentiment_score":0.041775954222040515,"num_words":42,"start":423.425,"end":440.94},{"sentences":[{"text":"So yeah.","start":440.94,"end":445.76,"sentiment":"neutral","sentiment_score":0.040127845481038094},{"text":"If we can, it doesn't it's not it's not a deal breaker.","start":449.1,"end":452.985,"sentiment":"neutral","sentiment_score":-0.02001651598645064},{"text":"I mean, I can I can do without it, but it's it's just at the moment, it's it's it comes into the account?","start":452.985,"end":458.505,"sentiment":"neutral","sentiment_score":-0.011549974103336748},{"text":"We we use that to live off.","start":458.505,"end":460.365,"sentiment":"neutral","sentiment_score":0.006065414420195988},{"text":"If it can't if it if it can't be done and you wanna make it less, make it less.","start":467.35,"end":471.29,"sentiment":"neutral","sentiment_score":-0.12356712453459438}],"sentiment":"neutral","sentiment_score":-0.04334776778520632,"num_words":63,"start":440.94,"end":471.29},{"sentences":[{"text":"What what have you what have you worked on in the cap?","start":472.23,"end":474.31,"sentiment":"neutral","sentiment_score":-0.014503696157286564},{"text":"That's all.","start":474.31,"end":475.05002,"sentiment":"neutral","sentiment_score":-0.021671270951628685},{"text":"Okay.","start":475.67,"end":476.15,"sentiment":"neutral","sentiment_score":-0.04950840398669243},{"text":"Got it.","start":476.15,"end":476.81,"sentiment":"neutral","sentiment_score":-0.04321218468248844},{"text":"I know you've got a yeah.","start":477.19,"end":479.27002,"sentiment":"neutral","sentiment_score":0.04194113674263159}],"sentiment":"neutral","sentiment_score":-0.004420558638546778,"num_words":23,"start":472.23,"end":479.27002},{"sentences":[{"text":"Okay.","start":479.27002,"end":479.77002,"sentiment":"neutral","sentiment_score":0.09006740897893906},{"text":"Alright.","start":480.025,"end":480.525,"sentiment":"neutral","sentiment_score":0.11006064713001253},{"text":"I'll leave it in your I'll leave it in your capable hands.","start":481.625,"end":484.04498,"sentiment":"neutral","sentiment_score":0.15771622893710932},{"text":"But what I need to do is, at the moment, I need to get Griffin done.","start":485.625,"end":489.32498,"sentiment":"neutral","sentiment_score":0.05157883954234421},{"text":"And the $9,000 is easy.","start":491.145,"end":494.26498,"sentiment":"neutral","sentiment_score":0.27329075932502744}],"sentiment":"neutral","sentiment_score":0.1224125152187688,"num_words":35,"start":479.27002,"end":494.26498},{"sentences":[{"text":"That's sitting there in cash anyway now.","start":494.26498,"end":496.05,"sentiment":"neutral","sentiment_score":0.022120395941393717},{"text":"So that's not a problem.","start":496.05,"end":497.72998,"sentiment":"neutral","sentiment_score":0.27709784507751467},{"text":"It's just Griffin, I'll just they do get the boys to cash that in.","start":497.72998,"end":502.38998,"sentiment":"neutral","sentiment_score":0.21537078065531595},{"text":"I'll I'll send Jack and copy you once that's done.","start":506.37,"end":510.745,"sentiment":"neutral","sentiment_score":0.13019235357642173},{"text":"Okay.","start":514.325,"end":514.825,"sentiment":"neutral","sentiment_score":0.06830176711082458}],"sentiment":"neutral","sentiment_score":0.16015535754126473,"num_words":37,"start":494.26498,"end":514.825},{"sentences":[{"text":"Okay.","start":516.805,"end":517.28503,"sentiment":"neutral","sentiment_score":0.1556743085384369},{"text":"That's alright.","start":517.28503,"end":518.025,"sentiment":"positive","sentiment_score":0.6807321012020111},{"text":"Where do you want me to put where do you want me to put it?","start":518.565,"end":520.745,"sentiment":"neutral","sentiment_score":0.022897802914182346},{"text":"Yeah.","start":525.73004,"end":525.89,"sentiment":"neutral","sentiment_score":0.11041669547557832},{"text":"Cool.","start":525.89,"end":526.39,"sentiment":"neutral","sentiment_score":0.1894330382347107}],"sentiment":"neutral","sentiment_score":0.10802276441827416,"num_words":20,"start":516.805,"end":526.39},{"sentences":[{"text":"Into the HOP 24 cap.","start":535.25,"end":536.775,"sentiment":"neutral","sentiment_score":0.03213376291096211},{"text":"Okay.","start":538.695,"end":539.195,"sentiment":"neutral","sentiment_score":0.07066573202610016},{"text":"Yep.","start":550.455,"end":550.89,"sentiment":"neutral","sentiment_score":0.1599408984184265},{"text":"Okay.","start":552.73004,"end":553.23004,"sentiment":"neutral","sentiment_score":0.20840024948120117},{"text":"Okay.","start":559.61,"end":560.11,"sentiment":"neutral","sentiment_score":0.1023397147655487}],"sentiment":"neutral","sentiment_score":0.07800171213845412,"num_words":9,"start":535.25,"end":560.11},{"sentences":[{"text":"Beautiful.","start":562.25,"end":562.65,"sentiment":"positive","sentiment_score":0.44782522320747375},{"text":"So it's 09/9390.","start":562.65,"end":564.41003,"sentiment":"neutral","sentiment_score":0.052342213690280914},{"text":"Right?","start":564.41003,"end":564.705,"sentiment":"neutral","sentiment_score":0.03350131958723068},{"text":"Yep.","start":566.945,"end":567.445,"sentiment":"positive","sentiment_score":0.4428229331970215},{"text":"Beauty.","start":567.66504,"end":568.065,"sentiment":"positive","sentiment_score":0.7257760167121887}],"sentiment":"neutral","sentiment_score":0.2581360191106796,"num_words":7,"start":562.25,"end":568.065},{"sentences":[{"text":"I'll do it straight away.","start":568.065,"end":569.205,"sentiment":"positive","sentiment_score":0.7429351687431336},{"text":"Yep.","start":575.825,"end":576.325,"sentiment":"neutral","sentiment_score":0.0992225930094719},{"text":"Okay.","start":578.705,"end":579.205,"sentiment":"neutral","sentiment_score":0.09072162210941316},{"text":"Okay.","start":582.82,"end":583.32,"sentiment":"neutral","sentiment_score":0.10604913532733916},{"text":"Yeah.","start":587.77997,"end":588.01996,"sentiment":"neutral","sentiment_score":0.23556876182556152}],"sentiment":"positive","sentiment_score":0.4718042173319393,"num_words":9,"start":568.065,"end":588.01996},{"sentences":[{"text":"I will.","start":588.01996,"end":588.6,"sentiment":"neutral","sentiment_score":0.27404049038887024},{"text":"Yeah.","start":595.92505,"end":596.085,"sentiment":"neutral","sentiment_score":0.15067395567893982},{"text":"Okay.","start":596.085,"end":596.48505,"sentiment":"neutral","sentiment_score":0.1859845668077469},{"text":"Got it.","start":596.48505,"end":597.065,"sentiment":"neutral","sentiment_score":0.2494976669549942},{"text":"Correct.","start":619.73,"end":620.23,"sentiment":"neutral","sentiment_score":0.12792694568634033}],"sentiment":"neutral","sentiment_score":0.2159516832658223,"num_words":7,"start":588.01996,"end":620.23},{"sentences":[{"text":"Yep.","start":627.055,"end":627.555,"sentiment":"neutral","sentiment_score":0.12234491109848022},{"text":"We we might we might just do that because I I might be able to do without it, honestly.","start":650.78,"end":657.235,"sentiment":"neutral","sentiment_score":0.15482500156289652},{"text":"I mean, I'll just, you know, boil less potatoes and slice the mix.","start":657.29504,"end":664.275,"sentiment":"neutral","sentiment_score":0.04529438239450638},{"text":"K.","start":684.065,"end":684.385,"sentiment":"neutral","sentiment_score":-0.14441832900047302},{"text":"That's a rip up.","start":684.385,"end":685.265,"sentiment":"negative","sentiment_score":-0.7319831103086472}],"sentiment":"neutral","sentiment_score":0.015276214254921988,"num_words":38,"start":627.055,"end":685.265},{"sentences":[{"text":"Right.","start":685.265,"end":685.765,"sentiment":"neutral","sentiment_score":0.19346174597740173},{"text":"Right.","start":687.425,"end":687.925,"sentiment":"neutral","sentiment_score":0.28893452882766724},{"text":"Thank hey.","start":688.065,"end":688.625,"sentiment":"positive","sentiment_score":0.33967483788728714},{"text":"Thank you for clarifying all that.","start":688.625,"end":690.145,"sentiment":"positive","sentiment_score":0.3610563625892003},{"text":"I should've just gone back.","start":690.145,"end":691.425,"sentiment":"neutral","sentiment_score":0.006717824190855026}],"sentiment":"neutral","sentiment_score":0.22411154980460804,"num_words":15,"start":685.265,"end":691.425},{"sentences":[{"text":"I mean, I Jack did help me out.","start":691.425,"end":694.385,"sentiment":"neutral","sentiment_score":0.12125589558854699},{"text":"I opened up the the the invite we we went through it and it kind of it made it made made sense what he was saying.","start":694.385,"end":702.92004,"sentiment":"neutral","sentiment_score":0.11831462841767532},{"text":"But he he just wanted to confirm in his mind that that's what was what was happening.","start":702.92004,"end":709.14496,"sentiment":"neutral","sentiment_score":0.11143851389779764},{"text":"Yeah.","start":718.165,"end":718.665,"sentiment":"neutral","sentiment_score":0.03266284614801407},{"text":"So the the 120 in the pension fund, is that that's the amount that we're we're using for the for the TR.","start":718.96497,"end":731.16003,"sentiment":"neutral","sentiment_score":0.03200255706906319}],"sentiment":"neutral","sentiment_score":0.09023515326348511,"num_words":74,"start":691.425,"end":731.16003},{"sentences":[{"text":"Right?","start":731.16003,"end":731.66003,"sentiment":"neutral","sentiment_score":0.04213087633252144},{"text":"Yeah.","start":735.96,"end":736.46,"sentiment":"neutral","sentiment_score":-0.016589999198913574},{"text":"Okay.","start":754.9,"end":755.4,"sentiment":"neutral","sentiment_score":0.023679563775658607},{"text":"Yep.","start":761.22003,"end":761.72003,"sentiment":"neutral","sentiment_score":-0.038688939064741135},{"text":"Yeah.","start":770.505,"end":770.58496,"sentiment":"neutral","sentiment_score":0.11298761516809464}],"sentiment":"neutral","sentiment_score":0.024703823402523993,"num_words":5,"start":731.16003,"end":770.58496},{"sentences":[{"text":"Okay.","start":770.58496,"end":771.08496,"sentiment":"neutral","sentiment_score":0.09634223580360413},{"text":"It's it's good.","start":772.425,"end":773.32495,"sentiment":"positive","sentiment_score":0.5982831120491028},{"text":"Okay.","start":773.865,"end":774.365,"sentiment":"positive","sentiment_score":0.570015549659729},{"text":"Brilliant.","start":774.82495,"end":775.32495,"sentiment":"positive","sentiment_score":0.8316048979759216},{"text":"Thank you, Larissa.","start":780.7309,"end":781.7909,"sentiment":"positive","sentiment_score":0.7382766803105673}],"sentiment":"positive","sentiment_score":0.6119602289464738,"num_words":9,"start":770.58496,"end":781.7909},{"sentences":[{"text":"Appreciate your help.","start":781.8509,"end":782.9909,"sentiment":"positive","sentiment_score":0.7920236587524414},{"text":"Okay.","start":784.89087,"end":785.39087,"sentiment":"neutral","sentiment_score":0.31817108392715454},{"text":"Ciao.","start":786.0109,"end":786.3309,"sentiment":"positive","sentiment_score":0.3638000786304474},{"text":"Bye.","start":786.3309,"end":786.8309,"sentiment":"neutral","sentiment_score":0.2424883097410202}],"sentiment":"positive","sentiment_score":0.5500884080926577,"num_words":6,"start":781.8509,"end":786.8309}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Mark Wallace.\n\nChannel 0: Hi, Mark. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Fantastic, Marissa. How are you?\n\nChannel 0: Oh, I can't complain on a beautiful Tuesday morning.\n\nChannel 1: That is it. Twenty three here today.\n\nChannel 0: Oh, I have no idea. The the sun was still peeking up peeking up over the horizon\n\nChannel 1: Yeah.\n\nChannel 0: when I walked in the office this morning, but it looks really nice.\n\nChannel 1: It is. It is. It's good.\n\nChannel 0: That's good. As always, I do need to let you know that our calls are recorded. And if I could just get you some security for me. So it's just full name, date of birth, and address for me.\n\nChannel 1: Mark Wallace. 12115718 Floyd Court, Gander.\n\nChannel 0: Perfect. And alright. So the reason I'm calling is just to kind of help fill a gap and and just explain things. So with regards to, I guess, steps to implement the sort of next stages of the advice now that we've got claims happen with PSAP and everything through that side\n\nChannel 1: Yep.\n\nChannel 0: is the Griffin stocks. So they can be sold at, like, when you're ready to. Obviously, the sooner, the better.\n\nChannel 1: Yep.\n\nChannel 0: With regards to those, I've been\n\nChannel 1: Yep.\n\nChannel 0: keeping an eye on them. Nothing really crazy has changed with the prices or anything like that. So selling those, you know, if you have time today, great. If it's, you know, you\n\nChannel 1: Yep.\n\nChannel 0: just don't have time for life\n\nChannel 1: Yep.\n\nChannel 0: admin until you have time to deal with the life admin, then that's okay. So the sale of those goes through. Once the sale happens, then we do the cash contribution. So, realistically, step one is sell those Griffin stocks, and then just let Jack know when those are sold. And what Jack\n\nChannel 1: Right.\n\nChannel 0: will do is Jack will help talk you through how to make that those contributions. So\n\nChannel 1: Okay.\n\nChannel 0: there is the two contributions, but the two contributions can actually be paid as one amount. It doesn't have to be two separate payments. It's\n\nChannel 1: Sorry.\n\nChannel 0: just that\n\nChannel 1: What do you\n\nChannel 0: the\n\nChannel 1: mean\n\nChannel 0: two\n\nChannel 1: to the what do you mean to your contributions?\n\nChannel 0: so in the statement of advice, there's the $9,390 and the $126,000. So the $9,390 is what we're gonna do to claim a concessional. So use the last of that\n\nChannel 1: Oh,\n\nChannel 0: last\n\nChannel 1: okay.\n\nChannel 0: of your your your carry forward caps\n\nChannel 1: Yep.\n\nChannel 0: from your concessional contributions, and then 126 is a non concessional. So we're not\n\nChannel 1: Yes.\n\nChannel 0: we're not claiming that. There's no tax effectiveness to it. We're popping it straight into the fund because it's a better tax environment for you moving forward, but it's not gonna come off your marginal\n\nChannel 1: Yeah.\n\nChannel 0: tax\n\nChannel 1: Good.\n\nChannel 0: rate for the year. Yeah. So but it can be paid as one lump sum. So, realistically, what you what you would do is you would just pop in a $135.03 90. Then what we're doing is we're gonna claim.\n\nWe're gonna submit a form for you. We just do that on your behalf once that money lands.\n\nChannel 1: Mhmm.\n\nChannel 0: After that's all said and done, then we can set up your pension fund. And at\n\nChannel 1: Okay.\n\nChannel 0: the same time that the pension fund's happening, Jack will obviously be on the phone with you. Like, he'll there'll be a form that you have to sign to set up the the fund the pension account.\n\nChannel 1: Yep.\n\nChannel 0: The pension account will start with a $120,000 in it, and about a 118 will sit in the accumulation side. And once those accounts are set up, that's when your salary sacrifice goes at the same time, and that just prevents you from losing income. Because if you start the salary sacrifice before the pension's set up, your employer's gonna start pulling money and you're not gonna have anything to replace it.\n\nChannel 1: Yeah. No. Got it. So that that's fine. So when when and Jack's gonna talk me through how much I need to salary sacrifice as well?\n\nChannel 0: Yep. He'll have he'll he's already drafted up a letter for you.\n\nChannel 1: Yep.\n\nChannel 0: He's just\n\nChannel 1: Okay.\n\nChannel 0: holding off, obviously, sending it\n\nChannel 1: Okay. Yep.\n\nChannel 0: because we we don't want you to salary sacrifice beforehand. But he'll basically email you the letter that you give to your employer, and\n\nChannel 1: Yep.\n\nChannel 0: you basically it's just a letter that says, you know, iMark would like to set this up as a payment, blah blah blah, and the employer can just take that and\n\nChannel 1: Okay.\n\nChannel 0: implement it within their systems.\n\nChannel 1: Yeah. And I noticed that pretty much replaces what we're so we're sacrificing. So that's all fine.\n\nChannel 0: Yep.\n\nChannel 1: The let me just couple of questions. We put\n\nChannel 0: Absolutely.\n\nChannel 1: the we we we put the 7070\n\nChannel 0: Seventy seven five. Yep.\n\nChannel 1: 775 in. We're gonna put\n\nChannel 0: Mhmm.\n\nChannel 1: another 26\n\nChannel 0: Twenty six.\n\nChannel 1: in\n\nChannel 0: Yep.\n\nChannel 1: plus another 9.\n\nChannel 0: Yep.\n\nChannel 1: That's all money that would be giving me a monthly dividend at the moment. So it's part\n\nChannel 0: That\n\nChannel 1: of my\n\nChannel 0: shouldn't\n\nChannel 1: current cash flow.\n\nChannel 0: that shouldn't be touching that money shouldn't be touching the money that you have in police or\n\nChannel 1: No.\n\nChannel 0: in Latrobe.\n\nChannel 1: No. Just said it. No. Police Bank and and Latrobe, we're living alone at the moment.\n\nChannel 0: Yep.\n\nChannel 1: So it's the other it's it's what what what what the work matter? So about 1,000 about about $1,000 a month that I'll be down on cash flow by putting this take the money out of Griffin, take the money out and and putting that additional 9,000 concessional in plus the 77,500 we put in before the end of financial year. So it was the $102,100, about $210,000 that I've put in,\n\nChannel 0: Yep.\n\nChannel 1: which I would typically get a monthly dividend from or monthly payment from.\n\nChannel 0: That's cash flow.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. That's okay. So what we can do\n\nChannel 1: Yeah.\n\nChannel 0: is we\n\nChannel 1: We\n\nChannel 0: can increase\n\nChannel 1: got Skype.\n\nChannel 0: the\n\nChannel 1: We\n\nChannel 0: pen\n\nChannel 1: got headroom within the within the current\n\nChannel 0: pension.\n\nChannel 1: cap to be able to do that.\n\nChannel 0: Yeah. Yeah. And what we can do is we can increase the pension payments out because the pension payments won't be taxable where your dividends are creating a tax requirement for you.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So we can we can just increase the pension payment. That's nothing too stressful on my side. So what's the shortage? Just so I'm clear.\n\nChannel 1: Well, I worked it out. We've got if we just take the Griffin money, 126, the contribution is $77.05, that's $203,500. We'll try currently, it used to be 6.75. So it's about a thousand bucks a month is the\n\nChannel 0: Okay.\n\nChannel 1: difference.\n\nChannel 0: Okay. So look. Ignoring Latrobe because we're not touching Latrobe, so Latrobe will keep\n\nChannel 1: No.\n\nChannel 0: paying.\n\nChannel 1: No. No. I'm just using Latrobe as my opportunity cost number. That's all.\n\nChannel 0: Right.\n\nChannel 1: So if I if I was to put the money in in somewhere, that that's what I'd be getting.\n\nChannel 0: And that pays out a dividend and you're and you're physically living off that?\n\nChannel 1: Partly, yes. Yeah. At the moment,\n\nChannel 0: Okay.\n\nChannel 1: yes. Because of the\n\nChannel 0: Yeah.\n\nChannel 1: because we're we're renting and all that sort of stuff at the moment. So\n\nChannel 0: Yeah. Until you guys yeah. No. That's okay. Alright.\n\nSo it's\n\nChannel 1: yeah.\n\nChannel 0: a thousand dollars a month that you're needing as a additional income.\n\nChannel 1: If we can, it doesn't it's not\n\nChannel 0: Yeah.\n\nChannel 1: it's not a deal breaker. I mean, I can I can do without it, but it's it's just at the moment, it's it's it comes into the account? We we use that to live off.\n\nChannel 0: Yeah. No. That's absolutely okay. I can nice and easily adjust the figures and increase the\n\nChannel 1: If\n\nChannel 0: pension\n\nChannel 1: it can't if it if it can't be done and you wanna make it less, make it less.\n\nChannel 0: payment.\n\nChannel 1: What what have you what have you worked on in the cap? That's all.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: No. No.\n\nChannel 1: Got it. I know you've\n\nChannel 0: Absolutely.\n\nChannel 1: got a yeah. Okay. Alright.\n\nChannel 0: No. That's absolutely\n\nChannel 1: I'll leave\n\nChannel 0: okay.\n\nChannel 1: it in your I'll leave it in your capable hands. But\n\nChannel 0: I'll\n\nChannel 1: what\n\nChannel 0: take\n\nChannel 1: I\n\nChannel 0: care\n\nChannel 1: need\n\nChannel 0: of\n\nChannel 1: to do\n\nChannel 0: it.\n\nChannel 1: is, at the moment, I need to get Griffin done.\n\nChannel 0: Yep.\n\nChannel 1: And the $9,000 is easy. That's sitting there in cash anyway now. So that's not a problem. It's just Griffin, I'll just they do get the boys to cash that in.\n\nChannel 0: Yep. And then\n\nChannel 1: I'll I'll send Jack and copy you once that's done.\n\nChannel 0: oh, call me. Yeah. But if you wanna contribute the $9.09 3\n\nChannel 1: Okay.\n\nChannel 0: 90 today, we can do that.\n\nChannel 1: Okay.\n\nChannel 0: That's\n\nChannel 1: That's\n\nChannel 0: nice\n\nChannel 1: alright.\n\nChannel 0: and easy.\n\nChannel 1: Where do you want\n\nChannel 0: Because\n\nChannel 1: me to put\n\nChannel 0: that\n\nChannel 1: where do you want me to put it?\n\nChannel 0: job, I'll email you with the bank details. It'll go straight into your account.\n\nChannel 1: Yeah.\n\nChannel 0: Just\n\nChannel 1: Cool.\n\nChannel 0: just send it to Larissa. No. Pop pop it into the bank details that link to your account because it'll go straight into your actual account\n\nChannel 1: Into the HOP 24 cap.\n\nChannel 0: into your Hub twenty four account. Correct?\n\nChannel 1: Okay.\n\nChannel 0: And what I will do is I'll keep an eye on it because it's generally twenty four, forty eight hours, the money will land. Once that money lands, I'll submit the notice of intent to claim immediately.\n\nChannel 1: Yep.\n\nChannel 0: So that way, that counts towards your concessional contributions,\n\nChannel 1: Okay.\n\nChannel 0: and, you'll basically get a receipt to deal with to put towards your tax return for\n\nChannel 1: Okay.\n\nChannel 0: this 2627 financial year.\n\nChannel 1: Beautiful. So it's 09/9390. Right?\n\nChannel 0: '9 390. Correct?\n\nChannel 1: Yep. Beauty. I'll do it straight away.\n\nChannel 0: Perfect. And then, yeah, once Griffin sells, realistically, you'll have the same bank details.\n\nChannel 1: Yep.\n\nChannel 0: So you can like, it'll it's the same bank details. You just\n\nChannel 1: Okay.\n\nChannel 0: you pay it through to your hub account through the same bank details I'm gonna\n\nChannel 1: Okay.\n\nChannel 0: send it. But just reply to me and let me know that you when you've done it.\n\nChannel 1: Yeah. I will.\n\nChannel 0: As funny as it is when I, you know, get a surprise that, you know, money's in, I I generally like the heads up sometimes.\n\nChannel 1: Yeah. Okay. Got it.\n\nChannel 0: Yeah. Cool. Just yeah. If you let me know when you've done it, I'll see it anyway. But then I'll I'll just sorta know that that step's done, and then I'll get Jack straight on to getting the pension account and everything set up.\n\nBut I'll have a look and rerun figures just to make sure that I do have the capacity to cover the extra money. And\n\nChannel 1: Correct.\n\nChannel 0: I guess we have I'm just kinda thinking about it. We have one or two options available to us. We can 100% increase the amount\n\nChannel 1: Yep.\n\nChannel 0: straight up, or we can leave it as an ad hoc where you kind of, like, email me and go, hey. I actually do need the extra money. Can you have a payment come out? It's 6 to 500 the other, really. I guess it makes it it means that the money is invested for longer if we keep it in the account, and it's only on a as needed basis.\n\nBecause, realistically, I can have the money to you within forty eight hours on an as needed basis.\n\nChannel 1: We we might we might just do that because I I might be able to do without it, honestly. I mean, I'll just, you know, boil less potatoes and slice the mix.\n\nChannel 0: I'll run the figures so I would make sure that I've got you sitting on more than and make sure that I haven't skimped any or cut corners or anything like that with dollars and cents. I'll just rerun the figures and make sure that we're kosher, and I'll I'll go from there. Okay?\n\nChannel 1: K. That's a rip up. Right.\n\nChannel 0: Amazing. Cool.\n\nChannel 1: Right.\n\nChannel 0: Oh, you\n\nChannel 1: Thank\n\nChannel 0: have an\n\nChannel 1: hey.\n\nChannel 0: email\n\nChannel 1: Thank\n\nChannel 0: from\n\nChannel 1: you\n\nChannel 0: me\n\nChannel 1: for\n\nChannel 0: shortly.\n\nChannel 1: clarifying all that. I should've just gone back. I mean, I Jack did help me out. I opened up the the\n\nChannel 0: Advice document.\n\nChannel 1: the invite we\n\nChannel 0: Yep.\n\nChannel 1: we went through it and it kind of it made it made made sense what he was saying. But he he just wanted to confirm in his mind that that's what was what was happening.\n\nChannel 0: Yeah. No. Him and I ran through it yesterday, and he's like, yeah. It makes sense now. Sorry, sir.\n\nI was like, no. No. Some sometimes it just needs reclarification, so it's not a problem.\n\nChannel 1: Yeah. So the the 120 in the pension fund, is that that's the amount that we're we're using for the\n\nChannel 0: For the drawdown pension payments.\n\nChannel 1: for the TR.\n\nChannel 0: Yep.\n\nChannel 1: Right?\n\nChannel 0: Yeah. And we don't wanna put all of it in. Because if we put all of it in,\n\nChannel 1: Yeah.\n\nChannel 0: you're forced to take specific amounts, and we don't wanna we don't wanna force them to pay because age basis, they they do start forcing you to take more and more and more and more and more, and I don't want to get to the point. We can 100%, we can move the money around between the accounts.\n\nChannel 1: Okay.\n\nChannel 0: So if you do need more, need less, whatever the case may be, because of your age, you could turn around and say, I wanna take a lump sum. But\n\nChannel 1: Yep.\n\nChannel 0: I just I wanna keep between, you know, making sure that we're actually able to keep a good flow happening and not force us to take as much as the government's gonna force us to take. So if we\n\nChannel 1: Yeah. Okay.\n\nChannel 0: leave some of it in accumulation, we're covered.\n\nChannel 1: It's it's good. Okay. Brilliant.\n\nChannel 0: Cool. Alright. I'm gonna run my numbers. You'll have an email from me shortly.\n\nChannel 1: Thank you, Larissa. Appreciate your help.\n\nChannel 0: Absolutely. My pleasure. We'll\n\nChannel 1: Okay.\n\nChannel 0: speak soon.\n\nChannel 1: Ciao. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Mark Wallace.","start":0.08,"end":5.54,"sentiment":"neutral","sentiment_score":0.01783770089969039}],"sentiment":"neutral","sentiment_score":0.01783770089969039,"channel":1,"num_words":2,"start":0.08,"end":5.54},{"sentences":[{"text":"Hi, Mark.","start":6.8799996,"end":7.44,"sentiment":"neutral","sentiment_score":0.12191475927829742},{"text":"Larissa from Oakview Financial.","start":7.44,"end":8.72,"sentiment":"neutral","sentiment_score":0.1494386363774538},{"text":"How are you going?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.22706876695156097}],"sentiment":"neutral","sentiment_score":0.1749859131872654,"channel":0,"num_words":10,"start":6.8799996,"end":9.54},{"sentences":[{"text":"Fantastic, Marissa.","start":10.08,"end":11.28,"sentiment":"positive","sentiment_score":0.6907772123813629},{"text":"How are you?","start":11.28,"end":12.099999,"sentiment":"positive","sentiment_score":0.44517357150713605}],"sentiment":"positive","sentiment_score":0.5434150278568268,"channel":1,"num_words":5,"start":10.08,"end":12.099999},{"sentences":[{"text":"Oh, I can't complain on a beautiful Tuesday morning.","start":12.32,"end":14.98,"sentiment":"positive","sentiment_score":0.4171827501720852}],"sentiment":"positive","sentiment_score":0.4171827501720852,"channel":0,"num_words":9,"start":12.32,"end":14.98},{"sentences":[{"text":"That is it.","start":15.715,"end":16.615,"sentiment":"neutral","sentiment_score":0.2892693479855855},{"text":"Twenty three here today.","start":17.555,"end":19.335,"sentiment":"neutral","sentiment_score":0.11610420793294907}],"sentiment":"neutral","sentiment_score":0.19031783938407898,"channel":1,"num_words":7,"start":15.715,"end":19.335},{"sentences":[{"text":"Oh, I have no idea.","start":19.885,"end":21.664999,"sentiment":"neutral","sentiment_score":-0.01612190306186676},{"text":"The the sun was still peeking up peeking up over the horizon","start":21.805,"end":25.244999,"sentiment":"neutral","sentiment_score":0.02908316906541586}],"sentiment":"neutral","sentiment_score":0.01578755961621509,"channel":0,"num_words":17,"start":19.885,"end":25.244999},{"sentences":[{"text":"Yeah.","start":25.09,"end":25.59,"sentiment":"neutral","sentiment_score":0.1805589199066162}],"sentiment":"neutral","sentiment_score":0.1805589199066162,"channel":1,"num_words":1,"start":25.09,"end":25.59},{"sentences":[{"text":"when I walked in the office this morning, but it looks really nice.","start":25.244999,"end":28.064999,"sentiment":"positive","sentiment_score":0.3637519639271956}],"sentiment":"positive","sentiment_score":0.3637519639271956,"channel":0,"num_words":13,"start":25.244999,"end":28.064999},{"sentences":[{"text":"It is.","start":28.37,"end":29.33,"sentiment":"positive","sentiment_score":0.4782353937625885},{"text":"It is.","start":29.33,"end":29.91,"sentiment":"positive","sentiment_score":0.5106683969497681},{"text":"It's good.","start":30.29,"end":30.95,"sentiment":"positive","sentiment_score":0.671271950006485}],"sentiment":"positive","sentiment_score":0.5533919135729471,"channel":1,"num_words":6,"start":28.37,"end":30.95},{"sentences":[{"text":"That's good.","start":32.5,"end":33.48,"sentiment":"positive","sentiment_score":0.6625087559223175},{"text":"As always, I do need to let you know that our calls are recorded.","start":34.02,"end":36.42,"sentiment":"neutral","sentiment_score":0.09953812243682998},{"text":"And if I could just get you some security for me.","start":36.42,"end":38.9,"sentiment":"neutral","sentiment_score":0.06690652058883147},{"text":"So it's just full name, date of birth, and address for me.","start":38.9,"end":41.355,"sentiment":"neutral","sentiment_score":0.056921034740904965}],"sentiment":"neutral","sentiment_score":0.10609167613662206,"channel":0,"num_words":39,"start":32.5,"end":41.355},{"sentences":[{"text":"Mark Wallace.","start":42.465,"end":43.184998,"sentiment":"neutral","sentiment_score":0.018855033442378044},{"text":"12115718 Floyd Court, Gander.","start":43.184998,"end":46.805,"sentiment":"neutral","sentiment_score":0.03215995477512479}],"sentiment":"neutral","sentiment_score":0.02772498099754254,"channel":1,"num_words":6,"start":42.465,"end":46.805},{"sentences":[{"text":"Perfect.","start":47.595,"end":48.075,"sentiment":"positive","sentiment_score":0.47502633929252625},{"text":"And alright.","start":48.075,"end":49.835,"sentiment":"neutral","sentiment_score":0.19483394175767899},{"text":"So the reason I'm calling is just to kind of help fill a gap and and just explain things.","start":49.835,"end":56.809998,"sentiment":"neutral","sentiment_score":0.08915614003413602},{"text":"So with regards to, I guess, steps to implement the sort of next stages of the advice now that we've got claims happen with PSAP and everything through that side","start":58.949997,"end":69.85,"sentiment":"neutral","sentiment_score":0.06355194933712482}],"sentiment":"neutral","sentiment_score":0.08586960314558102,"channel":0,"num_words":52,"start":47.595,"end":69.85},{"sentences":[{"text":"Yep.","start":70.205,"end":70.705,"sentiment":"neutral","sentiment_score":0.04992000386118889}],"sentiment":"neutral","sentiment_score":0.04992000386118889,"channel":1,"num_words":1,"start":70.205,"end":70.705},{"sentences":[{"text":"is the Griffin stocks.","start":71.045,"end":73.604996,"sentiment":"neutral","sentiment_score":0.0593956159427762},{"text":"So they can be sold at, like, when you're ready to.","start":73.604996,"end":77.924995,"sentiment":"neutral","sentiment_score":0.08311098339882764},{"text":"Obviously, the sooner, the better.","start":77.924995,"end":79.704994,"sentiment":"neutral","sentiment_score":0.0501562550663948}],"sentiment":"neutral","sentiment_score":0.07012922782450914,"channel":0,"num_words":20,"start":71.045,"end":79.704994},{"sentences":[{"text":"Yep.","start":80.170006,"end":80.670006,"sentiment":"neutral","sentiment_score":0.0593264102935791}],"sentiment":"neutral","sentiment_score":0.0593264102935791,"channel":1,"num_words":1,"start":80.170006,"end":80.670006},{"sentences":[{"text":"With regards to those, I've been","start":81.045,"end":82.799995,"sentiment":"neutral","sentiment_score":0.04504695596794287}],"sentiment":"neutral","sentiment_score":0.04504695596794287,"channel":0,"num_words":6,"start":81.045,"end":82.799995},{"sentences":[{"text":"Yep.","start":82.73,"end":83.23,"sentiment":"neutral","sentiment_score":0.047026634216308594}],"sentiment":"neutral","sentiment_score":0.047026634216308594,"channel":1,"num_words":1,"start":82.73,"end":83.23},{"sentences":[{"text":"keeping an eye on them.","start":82.799995,"end":83.759995,"sentiment":"neutral","sentiment_score":0.056731289625167845},{"text":"Nothing really crazy has changed with the prices or anything like that.","start":83.759995,"end":87.14,"sentiment":"neutral","sentiment_score":-0.0370138781145215},{"text":"So selling those, you know, if you have time today, great.","start":87.68,"end":91.68,"sentiment":"neutral","sentiment_score":0.11301472444425929},{"text":"If it's, you know, you","start":91.68,"end":92.96,"sentiment":"neutral","sentiment_score":0.004182852432131767}],"sentiment":"neutral","sentiment_score":0.03344139823633613,"channel":0,"num_words":33,"start":82.799995,"end":92.96},{"sentences":[{"text":"Yep.","start":92.89,"end":93.39,"sentiment":"neutral","sentiment_score":-0.00945996306836605}],"sentiment":"neutral","sentiment_score":-0.00945996306836605,"channel":1,"num_words":1,"start":92.89,"end":93.39},{"sentences":[{"text":"just don't have time for life","start":92.96,"end":94.159996,"sentiment":"neutral","sentiment_score":-0.06691129319369793}],"sentiment":"neutral","sentiment_score":-0.06691129319369793,"channel":0,"num_words":6,"start":92.96,"end":94.159996},{"sentences":[{"text":"Yep.","start":94.095,"end":94.595,"sentiment":"neutral","sentiment_score":-0.0314575657248497}],"sentiment":"neutral","sentiment_score":-0.0314575657248497,"channel":1,"num_words":1,"start":94.095,"end":94.595},{"sentences":[{"text":"admin until you have time to deal with the life admin, then that's okay.","start":94.159996,"end":98.195,"sentiment":"neutral","sentiment_score":-0.017594100973967994},{"text":"So the sale of those goes through.","start":99.775,"end":101.455,"sentiment":"neutral","sentiment_score":0.08100241954837527},{"text":"Once the sale happens, then we do the cash contribution.","start":101.455,"end":104.675,"sentiment":"neutral","sentiment_score":0.06461802572011947},{"text":"So, realistically, step one is sell those Griffin stocks, and then just let Jack know when those are sold.","start":105.055,"end":111.63,"sentiment":"neutral","sentiment_score":0.0848621055483818},{"text":"And what Jack","start":111.869995,"end":112.35,"sentiment":"neutral","sentiment_score":0.08222678552071254}],"sentiment":"neutral","sentiment_score":0.05331962532803135,"channel":0,"num_words":53,"start":94.159996,"end":112.35},{"sentences":[{"text":"Right.","start":112.22,"end":112.72,"sentiment":"neutral","sentiment_score":0.0881195068359375}],"sentiment":"neutral","sentiment_score":0.0881195068359375,"channel":1,"num_words":1,"start":112.22,"end":112.72},{"sentences":[{"text":"will do is Jack will help talk you through how to make that those contributions.","start":112.35,"end":115.81,"sentiment":"neutral","sentiment_score":0.09331063653031985},{"text":"So","start":116.189995,"end":116.43,"sentiment":"neutral","sentiment_score":0.045717403292655945}],"sentiment":"neutral","sentiment_score":0.09033605945296586,"channel":0,"num_words":16,"start":112.35,"end":116.43},{"sentences":[{"text":"Okay.","start":116.380005,"end":116.880005,"sentiment":"neutral","sentiment_score":0.04186778888106346}],"sentiment":"neutral","sentiment_score":0.04186778888106346,"channel":1,"num_words":1,"start":116.380005,"end":116.880005},{"sentences":[{"text":"there is the two contributions, but the two contributions can actually be paid as one amount.","start":116.43,"end":120.85,"sentiment":"neutral","sentiment_score":0.040748497121967375},{"text":"It doesn't have to be two separate payments.","start":121.07,"end":123.409996,"sentiment":"neutral","sentiment_score":0.00754058244638145},{"text":"It's","start":123.83501,"end":124.075005,"sentiment":"neutral","sentiment_score":-0.03748418390750885}],"sentiment":"neutral","sentiment_score":0.02699265718460083,"channel":0,"num_words":25,"start":116.43,"end":124.075005},{"sentences":[{"text":"Sorry.","start":123.895,"end":124.215,"sentiment":"neutral","sentiment_score":-0.02085955999791622}],"sentiment":"neutral","sentiment_score":-0.02085955999791622,"channel":1,"num_words":1,"start":123.895,"end":124.215},{"sentences":[{"text":"just that","start":124.075005,"end":124.395004,"sentiment":"neutral","sentiment_score":-0.0006312490440905094}],"sentiment":"neutral","sentiment_score":-0.0006312490440905094,"channel":0,"num_words":2,"start":124.075005,"end":124.395004},{"sentences":[{"text":"What do you","start":124.215,"end":124.454994,"sentiment":"neutral","sentiment_score":-0.006591864551107089}],"sentiment":"neutral","sentiment_score":-0.006591864551107089,"channel":1,"num_words":3,"start":124.215,"end":124.454994},{"sentences":[{"text":"the","start":124.395004,"end":124.635,"sentiment":"neutral","sentiment_score":-0.004166720435023308}],"sentiment":"neutral","sentiment_score":-0.004166720435023308,"channel":0,"num_words":1,"start":124.395004,"end":124.635},{"sentences":[{"text":"mean","start":124.454994,"end":124.695,"sentiment":"neutral","sentiment_score":-0.008586086332798004}],"sentiment":"neutral","sentiment_score":-0.008586086332798004,"channel":1,"num_words":1,"start":124.454994,"end":124.695},{"sentences":[{"text":"two","start":124.635,"end":124.875,"sentiment":"neutral","sentiment_score":0.000500483438372612}],"sentiment":"neutral","sentiment_score":0.000500483438372612,"channel":0,"num_words":1,"start":124.635,"end":124.875},{"sentences":[{"text":"to the what do you mean to your contributions?","start":124.695,"end":126.475,"sentiment":"neutral","sentiment_score":-0.0009788278386824662}],"sentiment":"neutral","sentiment_score":-0.0009788278386824662,"channel":1,"num_words":9,"start":124.695,"end":126.475},{"sentences":[{"text":"so in the statement of advice, there's the $9,390 and the $126,000.","start":127.355,"end":134.575,"sentiment":"neutral","sentiment_score":0.011412213284832736},{"text":"So the $9,390 is what we're gonna do to claim a concessional.","start":134.875,"end":141.05,"sentiment":"neutral","sentiment_score":0.08412881133457024},{"text":"So use the last of 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happening.","start":702.92004,"end":709.14496,"sentiment":"neutral","sentiment_score":0.11143851389779764}],"sentiment":"neutral","sentiment_score":0.1254793966455119,"channel":1,"num_words":35,"start":698.84,"end":709.14496},{"sentences":[{"text":"Yeah.","start":708.81,"end":709.31,"sentiment":"neutral","sentiment_score":0.043981727212667465},{"text":"No.","start":709.61005,"end":710.01,"sentiment":"neutral","sentiment_score":-0.011037347838282583},{"text":"Him and I ran through it yesterday, and he's like, yeah.","start":710.01,"end":711.85004,"sentiment":"neutral","sentiment_score":0.025814016349613667},{"text":"It makes sense now.","start":711.85004,"end":712.57,"sentiment":"neutral","sentiment_score":0.02964064758270979},{"text":"Sorry, sir.","start":712.57,"end":713.13,"sentiment":"neutral","sentiment_score":-0.050595369189977646}],"sentiment":"neutral","sentiment_score":0.017593179535316795,"channel":0,"num_words":19,"start":708.81,"end":713.13},{"sentences":[{"text":"I was like, no.","start":713.13,"end":713.77,"sentiment":"neutral","sentiment_score":-0.09309406019747257},{"text":"No.","start":713.77,"end":714.25,"sentiment":"neutral","sentiment_score":-0.12401026487350464},{"text":"Some sometimes it just needs reclarification, so it's not a problem.","start":714.25,"end":717.71,"sentiment":"neutral","sentiment_score":-0.11234977265650575}],"sentiment":"neutral","sentiment_score":-0.10826462530530989,"channel":0,"num_words":16,"start":713.13,"end":717.71},{"sentences":[{"text":"Yeah.","start":718.165,"end":718.665,"sentiment":"neutral","sentiment_score":0.03266284614801407},{"text":"So the the 120 in the pension fund, is that that's the amount that we're we're using for the","start":718.96497,"end":726.54004,"sentiment":"neutral","sentiment_score":0.034076033454192314}],"sentiment":"neutral","sentiment_score":0.0340053740888834,"channel":1,"num_words":20,"start":718.165,"end":726.54004},{"sentences":[{"text":"For the drawdown pension payments.","start":729.045,"end":730.745,"sentiment":"neutral","sentiment_score":0.008505279570817948}],"sentiment":"neutral","sentiment_score":0.008505279570817948,"channel":0,"num_words":5,"start":729.045,"end":730.745},{"sentences":[{"text":"for the TR.","start":730.28,"end":731.16003,"sentiment":"neutral","sentiment_score":0.018870539963245392}],"sentiment":"neutral","sentiment_score":0.018870539963245392,"channel":1,"num_words":3,"start":730.28,"end":731.16003},{"sentences":[{"text":"Yep.","start":730.805,"end":731.305,"sentiment":"neutral","sentiment_score":0.040804412215948105}],"sentiment":"neutral","sentiment_score":0.040804412215948105,"channel":0,"num_words":1,"start":730.805,"end":731.305},{"sentences":[{"text":"Right?","start":731.16003,"end":731.66003,"sentiment":"neutral","sentiment_score":0.04213087633252144}],"sentiment":"neutral","sentiment_score":0.04213087633252144,"channel":1,"num_words":1,"start":731.16003,"end":731.66003},{"sentences":[{"text":"Yeah.","start":731.925,"end":732.425,"sentiment":"neutral","sentiment_score":0.021554594859480854},{"text":"And we don't wanna put all of it in.","start":732.565,"end":734.11,"sentiment":"neutral","sentiment_score":-0.052472894804345235},{"text":"Because if we put all of it in,","start":734.11,"end":735.81,"sentiment":"neutral","sentiment_score":-0.016102728084661067}],"sentiment":"neutral","sentiment_score":-0.03219573794760638,"channel":0,"num_words":18,"start":731.925,"end":735.81},{"sentences":[{"text":"Yeah.","start":735.96,"end":736.46,"sentiment":"neutral","sentiment_score":-0.016589999198913574}],"sentiment":"neutral","sentiment_score":-0.016589999198913574,"channel":1,"num_words":1,"start":735.96,"end":736.46},{"sentences":[{"text":"you're forced to take specific amounts, and we don't wanna we don't wanna force them to pay because age basis, they they do start forcing you to take more and more and more and more and more, and I don't want to get to the point.","start":736.03,"end":750.85504,"sentiment":"neutral","sentiment_score":-0.13820234305508758},{"text":"We can 100%, we can move the money around between the accounts.","start":750.85504,"end":754.47504,"sentiment":"neutral","sentiment_score":0.07014672365039587}],"sentiment":"neutral","sentiment_score":-0.09509563959878066,"channel":0,"num_words":58,"start":736.03,"end":754.47504},{"sentences":[{"text":"Okay.","start":754.9,"end":755.4,"sentiment":"neutral","sentiment_score":0.023679563775658607}],"sentiment":"neutral","sentiment_score":0.023679563775658607,"channel":1,"num_words":1,"start":754.9,"end":755.4},{"sentences":[{"text":"So if you do need more, need less, whatever the case may be, because of your age, you could turn around and say, I wanna take a lump sum.","start":754.935,"end":760.075,"sentiment":"neutral","sentiment_score":-0.010583307850977471},{"text":"But","start":761.22,"end":761.33997,"sentiment":"neutral","sentiment_score":0.042096201330423355}],"sentiment":"neutral","sentiment_score":-0.008827324211597442,"channel":0,"num_words":30,"start":754.935,"end":761.33997},{"sentences":[{"text":"Yep.","start":761.22003,"end":761.72003,"sentiment":"neutral","sentiment_score":-0.038688939064741135}],"sentiment":"neutral","sentiment_score":-0.038688939064741135,"channel":1,"num_words":1,"start":761.22003,"end":761.72003},{"sentences":[{"text":"I just I wanna keep between, you know, making sure that we're actually able to keep a good flow happening and not force us to take as much as the government's gonna force us to take.","start":761.33997,"end":770.26,"sentiment":"neutral","sentiment_score":0.2585201110276911},{"text":"So if we","start":770.26,"end":770.66,"sentiment":"neutral","sentiment_score":0.06546441217263539}],"sentiment":"neutral","sentiment_score":0.2436696726542253,"channel":0,"num_words":39,"start":761.33997,"end":770.66},{"sentences":[{"text":"Yeah.","start":770.505,"end":770.58496,"sentiment":"neutral","sentiment_score":0.11298761516809464},{"text":"Okay.","start":770.58496,"end":771.08496,"sentiment":"neutral","sentiment_score":0.09634223580360413}],"sentiment":"neutral","sentiment_score":0.10466492548584938,"channel":1,"num_words":2,"start":770.505,"end":771.08496},{"sentences":[{"text":"leave some of it in accumulation, we're covered.","start":770.66,"end":772.92,"sentiment":"neutral","sentiment_score":0.15624072961509228}],"sentiment":"neutral","sentiment_score":0.15624072961509228,"channel":0,"num_words":8,"start":770.66,"end":772.92},{"sentences":[{"text":"It's it's good.","start":772.425,"end":773.32495,"sentiment":"positive","sentiment_score":0.5982831120491028},{"text":"Okay.","start":773.865,"end":774.365,"sentiment":"positive","sentiment_score":0.570015549659729},{"text":"Brilliant.","start":774.82495,"end":775.32495,"sentiment":"positive","sentiment_score":0.8316048979759216}],"sentiment":"positive","sentiment_score":0.6392939567565918,"channel":1,"num_words":5,"start":772.425,"end":775.32495},{"sentences":[{"text":"Cool.","start":777.41504,"end":777.735,"sentiment":"positive","sentiment_score":0.7384582757949829},{"text":"Alright.","start":777.735,"end":778.055,"sentiment":"positive","sentiment_score":0.4304029941558838},{"text":"I'm gonna run my numbers.","start":778.055,"end":779.015,"sentiment":"positive","sentiment_score":0.37923616766929624},{"text":"You'll have an email from me shortly.","start":779.015,"end":780.555,"sentiment":"positive","sentiment_score":0.3474690020084381}],"sentiment":"positive","sentiment_score":0.39266608016831533,"channel":0,"num_words":14,"start":777.41504,"end":780.555},{"sentences":[{"text":"Thank you, Larissa.","start":780.7309,"end":781.7909,"sentiment":"positive","sentiment_score":0.7382766803105673},{"text":"Appreciate your help.","start":781.8509,"end":782.9909,"sentiment":"positive","sentiment_score":0.7920236587524414}],"sentiment":"positive","sentiment_score":0.7651501695315043,"channel":1,"num_words":6,"start":780.7309,"end":782.9909},{"sentences":[{"text":"Absolutely.","start":783.41504,"end":783.91504,"sentiment":"positive","sentiment_score":0.7794002294540405},{"text":"My pleasure.","start":783.97504,"end":784.635,"sentiment":"positive","sentiment_score":0.7854134142398834},{"text":"We'll","start":784.775,"end":784.935,"sentiment":"positive","sentiment_score":0.3952269554138184}],"sentiment":"positive","sentiment_score":0.6863635033369064,"channel":0,"num_words":4,"start":783.41504,"end":784.935},{"sentences":[{"text":"Okay.","start":784.89087,"end":785.39087,"sentiment":"neutral","sentiment_score":0.31817108392715454}],"sentiment":"neutral","sentiment_score":0.31817108392715454,"channel":1,"num_words":1,"start":784.89087,"end":785.39087},{"sentences":[{"text":"speak soon.","start":784.935,"end":785.755,"sentiment":"positive","sentiment_score":0.3356699198484421}],"sentiment":"positive","sentiment_score":0.3356699198484421,"channel":0,"num_words":2,"start":784.935,"end":785.755},{"sentences":[{"text":"Ciao.","start":786.0109,"end":786.3309,"sentiment":"positive","sentiment_score":0.3638000786304474},{"text":"Bye.","start":786.3309,"end":786.8309,"sentiment":"neutral","sentiment_score":0.2424883097410202}],"sentiment":"neutral","sentiment_score":0.3031441941857338,"channel":1,"num_words":2,"start":786.0109,"end":786.8309},{"sentences":[{"text":"Bye.","start":787.41504,"end":787.91504,"sentiment":"neutral","sentiment_score":-0.11983942240476608}],"sentiment":"neutral","sentiment_score":-0.11983942240476608,"channel":0,"num_words":1,"start":787.41504,"end":787.91504}]},"summary":{"result":"success","short":"John Wallace receives a call from Oakview Financial regarding his claims and is informed that the call is being recorded. He is given information on how to make contributions and how retirement savings will be put into his pension fund. The speakers also discuss salary sacrifice and the shortage of funds, as well as adjustments to monthly dividends and tax returns. They explain how to adjust contributions and the process for submitting claims for income tax purposes. The customer and agent discuss retirement plans, including increasing contributions and moving retirement funds around accounts. The agent will send an email with further information."},"intents":{"segments":[{"text":"So the reason I'm calling is just to kind of help fill a gap and and just explain things. So with regards to, I guess, steps to implement the sort of next stages of the advice now that we've got claims happen with PSAP and everything through that side Yep. is the Griffin stocks. So they can be sold at, like, when you're ready to.","start_word":118,"end_word":182,"intents":[{"intent":"Explain and plan for future use of griffin stocks","confidence_score":0.0000084235335}]},{"text":"So the $9,390 is what we're gonna do to claim a concessional.","start_word":363,"end_word":374,"intents":[{"intent":"Claim concessional contribution","confidence_score":0.09516556}]},{"text":"We're gonna submit a form for you. We just do that on your behalf once that money lands.","start_word":485,"end_word":502,"intents":[{"intent":"Submit form","confidence_score":0.8540779}]},{"text":"After that's all said and done, then we can set up your pension fund. And at Okay.","start_word":504,"end_word":520,"intents":[{"intent":"Set up pension fund","confidence_score":0.3103916}]},{"text":"you basically it's just a letter that says, you know, iMark would like to set this up as a payment, blah blah blah, and the employer can just take that and Okay. implement it within their systems. Yeah.","start_word":705,"end_word":742,"intents":[{"intent":"Create a payment plan","confidence_score":0.0012805283}]},{"text":"And what we can do is we can increase the pension payments out because the pension payments won't be taxable where your dividends are creating a tax requirement for you. Yes. Yes.","start_word":984,"end_word":1015,"intents":[{"intent":"Increase pension payments","confidence_score":0.68496776},{"intent":"Avoid tax requirement","confidence_score":0.00392534},{"intent":"Make payment","confidence_score":0.0009901243}]},{"text":"I'm just using Latrobe as my opportunity cost number. That's all. Right.","start_word":1100,"end_word":1111,"intents":[{"intent":"Use latrobe as opportunity","confidence_score":0.32931972}]},{"text":"So if I if I was to put the money in in somewhere, that that's what I'd be getting. And that pays out a dividend and you're and you're physically living off that? Partly, yes.","start_word":1112,"end_word":1146,"intents":[{"intent":"Create timeline","confidence_score":0.000026125128}]},{"text":"a thousand dollars a month that you're needing as a additional income.","start_word":1183,"end_word":1194,"intents":[{"intent":"Provide additional income","confidence_score":0.20889232}]},{"text":"I can nice and easily adjust the figures and increase the If pension it can't if it if it can't be done and you wanna make it less, make it less. payment.","start_word":1244,"end_word":1275,"intents":[{"intent":"Adjust figures","confidence_score":0.8419716}]},{"text":"And then I'll I'll send Jack and copy you once that's done.","start_word":1374,"end_word":1385,"intents":[{"intent":"Send money","confidence_score":0.000027498882}]},{"text":"And what I will do is I'll keep an eye on it because it's generally twenty four, forty eight hours, the money will land. Once that money lands, I'll submit the notice of intent to claim immediately.","start_word":1485,"end_word":1521,"intents":[{"intent":"Submit notice","confidence_score":0.1285076}]},{"text":"and, you'll basically get a receipt to deal with to put towards your tax return for Okay.","start_word":1533,"end_word":1549,"intents":[{"intent":"Report receipt","confidence_score":0.0441305}]},{"text":"I'll run the figures so I would make sure that I've got you sitting on more than and make sure that I haven't skimped any or cut corners or anything like that with dollars and cents.","start_word":1879,"end_word":1914,"intents":[{"intent":"Confirm figure accuracy","confidence_score":0.0076607717}]}]},"sentiments":{"segments":[{"text":"Mark Wallace. Hi, Mark. Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.14461562037467957},{"text":"Fantastic, Marissa. How are you? Oh, I can't complain on a beautiful Tuesday morning.","start_word":12,"end_word":25,"sentiment":"positive","sentiment_score":0.47295719385147095},{"text":"That is it. Twenty three here today. Oh, I have no idea. The the sun was still peeking up peeking up over the horizon Yeah.","start_word":26,"end_word":50,"sentiment":"neutral","sentiment_score":0.07474212348461151},{"text":"when I walked in the office this morning, but it looks really nice. It is. It is. It's good. That's good.","start_word":51,"end_word":71,"sentiment":"positive","sentiment_score":0.4843266010284424},{"text":"As always, I do need to let you know that our calls are recorded. And if I could just get you some security for me. So it's just full name, date of birth, and address for me. Mark Wallace. 12115718 Floyd Court, Gander.","start_word":72,"end_word":114,"sentiment":"neutral","sentiment_score":0.06653366982936859},{"text":"Perfect.","start_word":115,"end_word":115,"sentiment":"positive","sentiment_score":0.47502633929252625},{"text":"And alright. So the reason I'm calling is just to kind of help fill a gap and and just explain things. So with regards to, I guess, steps to implement the sort of next stages of the advice now that we've got claims happen with PSAP and everything through that side Yep. is the Griffin stocks. So they can be sold at, like, when you're ready to. Obviously, the sooner, the better. Yep. With regards to those, I've been Yep. keeping an eye on them. Nothing really crazy has changed with the prices or anything like that. So selling those, you know, if you have time today, great. If it's, you know, you Yep. just don't have time for life Yep. admin until you have time to deal with the life admin, then that's okay. So the sale of those goes through. Once the sale happens, then we do the cash contribution. So, realistically, step one is sell those Griffin stocks, and then just let Jack know when those are sold. And what Jack Right. will do is Jack will help talk you through how to make that those contributions. So Okay. there is the two contributions, but the two contributions can actually be paid as one amount. It doesn't have to be two separate payments. It's Sorry. just that What do you the mean two to the what do you mean to your contributions? so in the statement of advice, there's the $9,390 and the $126,000. So the $9,390 is what we're gonna do to claim a concessional. So use the last of that Oh, last okay. of your your your carry forward caps Yep. from your concessional contributions, and then 126 is a non concessional. So we're not Yes. we're not claiming that. There's no tax effectiveness to it. We're popping it straight into the fund because it's a better tax environment for you moving forward, but it's not gonna come off your marginal Yeah. tax Good. rate for the year. Yeah. So but it can be paid as one lump sum. So, realistically, what you what you would do is you would just pop in a $135.03 90. Then what we're doing is we're gonna claim. We're gonna submit a form for you. We just do that on your behalf once that money lands. Mhmm. After that's all said and done, then we can set up your pension fund. And at Okay. the same time that the pension fund's happening, Jack will obviously be on the phone with you. Like, he'll there'll be a form that you have to sign to set up the the fund the pension account. Yep. The pension account will start with a $120,000 in it, and about a 118 will sit in the accumulation side. And once those accounts are set up, that's when your salary sacrifice goes at the same time, and that just prevents you from losing income. Because if you start the salary sacrifice before the pension's set up, your employer's gonna start pulling money and you're not gonna have anything to replace it. Yeah. No. Got it. So that that's fine. So when when and Jack's gonna talk me through how much I need to salary sacrifice as well? Yep. He'll have he'll he's already drafted up a letter for you. Yep. He's just Okay. holding off, obviously, sending it Okay. Yep. because we we don't want you to salary sacrifice beforehand. But he'll basically email you the letter that you give to your employer, and Yep. you basically it's just a letter that says, you know, iMark would like to set this up as a payment, blah blah blah, and the employer can just take that and Okay. implement it within their systems. Yeah. And I noticed that pretty much replaces what we're so we're sacrificing. So that's all fine. Yep. The let me just couple of questions. We put Absolutely. the we we we put the 7070 Seventy seven five. Yep. 775 in. We're gonna put Mhmm. another 26 Twenty six. in Yep. plus another 9. Yep. That's all money that would be giving me a monthly dividend at the moment. So it's part That of my shouldn't current cash flow. that shouldn't be touching that money shouldn't be touching the money that you have in police or No. in Latrobe. No. Just said it. No. Police Bank and and Latrobe, we're living alone at the moment. Yep. So it's the other it's it's what what what what the work matter? So about 1,000 about about $1,000 a month that I'll be down on cash flow by putting this take the money out of Griffin, take the money out and and putting that additional 9,000 concessional in plus the 77,500 we put in before the end of financial year. So it was the $102,100, about $210,000 that I've put in, Yep. which I would typically get a monthly dividend from or monthly payment from. That's cash flow. Yeah. Okay. That's okay. So what we can do Yeah. is we We can increase got Skype. the We pen got headroom within the within the current pension. cap to be able to do that. Yeah. Yeah. And what we can do is we can increase the pension payments out because the pension payments won't be taxable where your dividends are creating a tax requirement for you. Yes. Yes.","start_word":116,"end_word":1015,"sentiment":"neutral","sentiment_score":0.06870161674037162},{"text":"So we can we can just increase the pension payment. That's nothing too stressful on my side.","start_word":1016,"end_word":1032,"sentiment":"positive","sentiment_score":0.5026662349700928},{"text":"So what's the shortage? Just so I'm clear. Well, I worked it out. We've got if we just take the Griffin money, 126, the contribution is $77.05, that's $203,500. We'll try currently, it used to be 6.75. So it's about a thousand bucks a month is the Okay. difference. Okay. So look. Ignoring Latrobe because we're not touching Latrobe, so Latrobe will keep No. paying. No. No. I'm just using Latrobe as my opportunity cost number. That's all. Right. So if I if I was to put the money in in somewhere, that that's what I'd be getting. And that pays out a dividend and you're and you're physically living off that? Partly, yes. Yeah. At the moment, Okay. yes. Because of the Yeah. because we're we're renting and all that sort of stuff at the moment. So Yeah. Until you guys yeah. No. That's okay. Alright. So it's yeah. a thousand dollars a month that you're needing as a additional income. If we can, it doesn't it's not Yeah. it's not a deal breaker. I mean, I can I can do without it, but it's it's just at the moment, it's it's it comes into the account? We we use that to live off. Yeah. No. That's absolutely okay. I can nice and easily adjust the figures and increase the If pension it can't if it if it can't be done and you wanna make it less, make it less. payment. What what have you what have you worked on in the cap? That's all. No. Okay. No. No. Got it. I know you've Absolutely. got a yeah. Okay. Alright. No. That's absolutely I'll leave okay. it in your I'll leave it in your capable hands. But I'll what take I care need of to do it. is, at the moment, I need to get Griffin done. Yep. And the $9,000 is easy. That's sitting there in cash anyway now. So that's not a problem. It's just Griffin, I'll just they do get the boys to cash that in. Yep. And then I'll I'll send Jack and copy you once that's done. oh, call me. Yeah. But if you wanna contribute the $9.09 3 Okay. 90 today, we can do that. Okay.","start_word":1033,"end_word":1405,"sentiment":"neutral","sentiment_score":0.04411354487956609},{"text":"That's That's nice alright. and easy.","start_word":1406,"end_word":1411,"sentiment":"positive","sentiment_score":0.575760543346405},{"text":"Where do you want Because me to put that where do you want me to put it? job, I'll email you with the bank details. It'll go straight into your account. Yeah. Just Cool. just send it to Larissa. No. Pop pop it into the bank details that link to your account because it'll go straight into your actual account Into the HOP 24 cap. into your Hub twenty four account. Correct? Okay. And what I will do is I'll keep an eye on it because it's generally twenty four, forty eight hours, the money will land. Once that money lands, I'll submit the notice of intent to claim immediately. Yep. So that way, that counts towards your concessional contributions, Okay. and, you'll basically get a receipt to deal with to put towards your tax return for Okay. this 2627 financial year.","start_word":1412,"end_word":1553,"sentiment":"neutral","sentiment_score":0.09405535459518433},{"text":"Beautiful.","start_word":1554,"end_word":1554,"sentiment":"positive","sentiment_score":0.44782522320747375},{"text":"So it's 09/9390. Right? '9 390. Correct?","start_word":1555,"end_word":1561,"sentiment":"neutral","sentiment_score":0.037044644355773926},{"text":"Yep. Beauty. I'll do it straight away. Perfect.","start_word":1562,"end_word":1569,"sentiment":"positive","sentiment_score":0.6778429746627808},{"text":"And then, yeah, once Griffin sells, realistically, you'll have the same bank details. Yep. So you can like, it'll it's the same bank details. You just Okay. you pay it through to your hub account through the same bank details I'm gonna Okay. send it. But just reply to me and let me know that you when you've done it. Yeah. I will. As funny as it is when I, you know, get a surprise that, you know, money's in, I I generally like the heads up sometimes. Yeah. Okay. Got it.","start_word":1570,"end_word":1661,"sentiment":"neutral","sentiment_score":0.1433502435684204},{"text":"Yeah. Cool.","start_word":1662,"end_word":1663,"sentiment":"positive","sentiment_score":0.4461238980293274},{"text":"Just yeah. If you let me know when you've done it, I'll see it anyway. But then I'll I'll just sorta know that that step's done, and then I'll get Jack straight on to getting the pension account and everything set up. But I'll have a look and rerun figures just to make sure that I do have the capacity to cover the extra money. And Correct. I guess we have I'm just kinda thinking about it. We have one or two options available to us. We can 100% increase the amount Yep. straight up, or we can leave it as an ad hoc where you kind of, like, email me and go, hey. I actually do need the extra money. Can you have a payment come out? It's 6 to 500 the other, really. I guess it makes it it means that the money is invested for longer if we keep it in the account, and it's only on a as needed basis. Because, realistically, I can have the money to you within forty eight hours on an as needed basis. We we might we might just do that because I I might be able to do without it, honestly. I mean, I'll just, you know, boil less potatoes and slice the mix. I'll run the figures so I would make sure that I've got you sitting on more than and make sure that I haven't skimped any or cut corners or anything like that with dollars and cents. I'll just rerun the figures and make sure that we're kosher, and I'll I'll go from there. Okay? K.","start_word":1664,"end_word":1932,"sentiment":"neutral","sentiment_score":0.12638081895485245},{"text":"That's a rip up.","start_word":1933,"end_word":1936,"sentiment":"negative","sentiment_score":-0.7246995568275452},{"text":"Right.","start_word":1937,"end_word":1937,"sentiment":"neutral","sentiment_score":0.19346174597740173},{"text":"Amazing. Cool.","start_word":1938,"end_word":1939,"sentiment":"positive","sentiment_score":0.5022310614585876},{"text":"Right. Oh, you Thank have an hey.","start_word":1940,"end_word":1946,"sentiment":"neutral","sentiment_score":0.27004265785217285},{"text":"email Thank from you me for shortly.","start_word":1947,"end_word":1953,"sentiment":"positive","sentiment_score":0.4475257992744446},{"text":"clarifying all that. I should've just gone back. I mean, I Jack did help me out. I opened up the the Advice document. the invite we Yep. we went through it and it kind of it made it made made sense what he was saying. But he he just wanted to confirm in his mind that that's what was what was happening. Yeah. No. Him and I ran through it yesterday, and he's like, yeah. It makes sense now. Sorry, sir. I was like, no. No. Some sometimes it just needs reclarification, so it's not a problem. Yeah. So the the 120 in the pension fund, is that that's the amount that we're we're using for the For the drawdown pension payments. for the TR. Yep. Right? Yeah. And we don't wanna put all of it in. Because if we put all of it in, Yeah. you're forced to take specific amounts, and we don't wanna we don't wanna force them to pay because age basis, they they do start forcing you to take more and more and more and more and more, and I don't want to get to the point. We can 100%, we can move the money around between the accounts. Okay. So if you do need more, need less, whatever the case may be, because of your age, you could turn around and say, I wanna take a lump sum. But Yep. I just I wanna keep between, you know, making sure that we're actually able to keep a good flow happening and not force us to take as much as the government's gonna force us to take. So if we Yeah. Okay. leave some of it in accumulation, we're covered.","start_word":1954,"end_word":2238,"sentiment":"neutral","sentiment_score":0.03864439824971845},{"text":"It's it's good. Okay. Brilliant. Cool. Alright. I'm gonna run my numbers. You'll have an email from me shortly. Thank you, Larissa. Appreciate your help. Absolutely. My pleasure. We'll Okay.","start_word":2239,"end_word":2268,"sentiment":"positive","sentiment_score":0.5492649674415588},{"text":"speak soon.","start_word":2269,"end_word":2270,"sentiment":"neutral","sentiment_score":0.31587594747543335},{"text":"Ciao.","start_word":2271,"end_word":2271,"sentiment":"positive","sentiment_score":0.3638000786304474},{"text":"Bye. Bye.","start_word":2272,"end_word":2273,"sentiment":"neutral","sentiment_score":0.21572117507457733}],"average":{"sentiment":"neutral","sentiment_score":0.09511799857370086}}}}