{"metadata":{"transaction_key":"deprecated","request_id":"019fee71-550b-7802-8c49-97218648601d","sha256":"46e4d6a9dde06128cd7a1f2cf07b1b4f3ce4b1bb41e5a3e45af9c29a683678b6","created":"2026-08-11T01:30:34.709Z","duration":1730.5199,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":6962,"output_tokens":87},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7735,"output_tokens":7750},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7735,"output_tokens":794}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Aleck. It's Dana from OkuFinder Huntail. How are you this morning? I'm very well. Thank you. How's your morning been so far? Yeah? Fantastic. I had you booked in for a bit of a catch up in relation to the email that you did send me. Is now still a good time for you? Oh, fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file there for you. Beautiful. Thank you so much for that. So, Alec, we're looking at I sort of wanted to make sure I was doing a bit of a catch up with you to sort of see how things were going for you guys on that end, but also to give you a little bit of an update on what was happening with your super and the investments there. So I'm not sure if you look at that very often. Do you have a look at the kids' investments and your super on a regular basis or not really? Yeah. No. Understandable. All good. Well, look. I'll give you a really quick update there for you to start with, and then we'll sort of jump into your your other questions there. But, essentially, with the kids investments, they have been starting going quite well. This year, we have seen, as I mentioned in my email, a lot of ups and downs in the market with everything that has been going on. So the returns are slightly less than what we would sort of expect for the first year, but it is also only the first year then. We're not quite at the end of the year with those. So having a look at Cooper's investment, since inception, we're up by 0.26%. So it is a very small return for his so far, but in the last three months, we've seen over 2% of growth there. So it is good. It has been working really well. It's just that it's been a lot lower because of the ups and downs the market has seen. With Alessandra's, the since inception, she's up 0.05%. In the last three months, again, we've seen over 2% growth there. So all of the ups and downs that we saw anywhere up until kinda June, April was probably the worst ups and downs we had seen with the market volatility and what was happening between The US and the Iran war. But it's also a buying opportunity because the market was lower, because the investments were essentially down at that point in time. The contributions that you guys are putting into those investments as the market recovers and comes back out as we see additional growth and compounding will provide a much more stable amount of growth and definitely some opportunities there moving forward. Do you have any questions about that so far? Yeah. That's okay. Yeah. So over the the each year is a 125%. Yeah. But I'm keeping an eye on those for you. Yeah. Absolutely. All good. And with your super, I'm having a look at things from inception. You're up by 5.77%. And in the last thirty days, your super's made over three there as well with income and growth. So things are working really well. The markets have been a bit up and down there, but I just wanted to make sure that I was keeping in contact with you and giving you an update over the course of the year and just making sure that we're here to support you through any market volatility. I wasn't really sure if you were looking at them on a regular basis or if you had any concerns about what was going on, but just wanted to make sure that we were able to still make contact and check-in and see how things were going and give you updates as well. So, yeah, just do you have any questions about your super or how it's going at the moment? I know one of the things you wanted to talk about was salary sacrificing there as well. Yeah. That's okay. Fantastic. Excellent. So we'll put salary sacrificing down to sort sort of follow-up down the track there. And you are due to have a full annual view around about November as well, so we can always sort of revisit it then if you'd like to. Does that sound okay? Yeah. Fantastic. All good. The other thing that you had on here was that things are going well with the emergency fund. You're putting some money away, getting that sorted, and, hopefully, once your tax return is all completed, you reckon you're pretty close to completing that goal by the end of the year. Is that right? How's that tracking? Yeah. Fantastic. Yeah. Great. Fantastic. Excellent. You've done really well to get there this quick. That's for sure. All good. And then early next year, yourself and Rachel are gonna put some money aside to get your wills and powers of attorney set up. So you haven't really spoken to a solicitor. I haven't done those as of yet. That's more of a next year scenario. Is that right? Yep. Getting that done. Yeah. Yeah. It just depends on sort of yeah. It depends on what the solicitor is through, how complex it is. It can be, you know, a couple of grand up to $5 for the two of you to complete a full complex will taking into account, obviously, the properties that you own with your mom. I know you are wanting to sort of look at what to do with those now as well and sort of help your mom move into that retirement phase. Yeah. Yeah. Beautiful. Yeah. Yep. So so what's what do you mean by that's okay. Just sort of clarify, what do you mean by assessment? Are you sort of wanting us to look at the value of the property and assess the sale and things like that or where Right. Yep. Yep. Yep. Yeah. Yep. Perfect. Yeah. Yeah. Absolutely. So you're sort of just looking for a bit of information at the moment around what the growth rate has been, how what it's valued at at the moment, that sort of thing, how it's been growing. Is that sort of what you're after? Yep. Mhmm. Yep. Mhmm. Yep. That's that's okay. That's absolutely fine. So when we sort of look at providing advice, where I would wanna maybe start to because this property is technically owned by the two of you, to really incorporate personal advice, I'd need to be able to incorporate your mom. What I can do to start with for you is to maybe do up some general information, general advice on what the property's done. I can obtain the research around the growth rates that it has seen for you, provide maybe some reports to show you, you know, the excerpts on how it's grown, what it's valued at, and all the information around that to start with. And then we could look at further your goals, what you're wanting to do, what your mom is wanting to do, whether she's wanting to move into retirement. If you were to sell the property, what would you do with the funds from there? Obviously, factor in capital gain scenarios and things like that, we would definitely need you to also speak to your accountant to find out what the CGT consequences might look like, and then kinda come back and look at personal advice in relation to that. Does that make sense, and does that sound okay with you? Yep. Yep. Perfect. Excellent. So what I'll do is I'll obtain some information. Now can I grab the address of the property so I can go back and do that research for you? One second. How do you spell Anthem Road? Sorry. Just so I have it right. Yep. Fantastic. Road. Yep. Tatum, how do you spell that? Beautiful. And that's Queensland? Yep. Fantastic. Excellent. Lovely. Okay. Yeah. Yep. Yep. Perfect. Excellent. And when was that developed? When did you have that purchase of the plan originally? That's okay, honestly, even just an estimated year. Yep. Yep. Perfect. Excellent. And when it sort of comes down to down the track with selling the property, I know one of the things we talked about, you know, a bit over a year ago was that you were looking down the track to sell one of these properties because the other one your mom lives in as her main primary residence. Is that right? Yep. Yep. Yep. Yep. Perfect. And so just sort of checking you're right. So sorry. My my apologies. I like you continue. Sorry. Yep. Yeah. Yep. Yeah. No. That's okay. Yeah. Okay. Perfect. So your mom isn't retired as of yet. She's still working currently? Yep. Perfect. Excellent. Lovely. So what I could do if you're comfortable to start with is we'll start by just with some general information, general advice. I can obtain the information on the the research material on the property itself, the growth rates, how it has grown, estimated value based on current research. I can send that to you so you can have a bit of a look at it, a read through. We can then sort of come back and discuss that if you want to. And then it's it's a matter of having a conversation with your mom, looking at whether it's worth you guys selling it now, looking at the CGT consequences. Because the other thing to consider is if it's a rent if it's been a rent investment property, you're gonna have to pay CDT tax. So making sure that speaking to your accountant would be a good one and estimating the CDT tax based on any other deductions that you can have a look at to kind of reduce that as much as possible. The other thing to sort of think about is whether you wanna sell that now or whether you wanna hold off until after the new CGT rules come into play. Because the other thing is, I don't know if you sort of had a look at, with all the new legislative changes going through. There is a change to capital gains tax as of the July 1 year. Have you had a look at those rules or had an under have an understanding of what they mean? Or yeah. No. That's, yeah, that's absolutely fine. Yeah. Yeah. So, essentially, what it means is there's gonna be two sort of capital gains rules that apply. There's the current rules, and then there's the newer rules as of the July 1. So any investment property that you do own now, if you continue to hold up until, say, the June 30 year, will essentially, under the rules, be seen by the ATO as having been sold on the June 30 year and then repurchase back on the July 1. So any capital gain you've received from the property from purchase date to the end of that of June next financial year will go under the current rules, which gives you the option of the 50% discount. Then after the July 1 next year, then they'll have a new rule. And they're essentially seeing you as holding the asset as you disposing of it on one day and then rebuying it back the next day. You won't physically have to do any of that. It's just like an administrative thing. So they can say, as of that, this is June 2027, up and you own the property from this date to here. That is all under the grandfathered tax or CGT rules. The new rules essentially means that when a property is sold, there's a whole fun math equation around doing it. But they the tax is a minimum of 30%, and that will apply from the July 1 next year until you dispose of the property then. So it means that when if you do keep the property longer and sell it after the July 1, your accountant has to take into account two different tax rules for different portions of the property. And they are suggesting people get properties evaluated around that time just to sort of see what the evaluations are to have a record keeping thing. So it's just sort of probably important once I get this research through that and I can pop that in the email for you as well. Just maybe have that conversation with your mom, look at whether it is worth selling it now or whether you wanna hold off. You can also speak to your account and can get them to do, like, a mock mock tax return for you to sort of show you the estimated CGT might be, taking into account any deductions that they might know that you're able to assess. That way, you can look at if you were to sell the property, is that gonna cover both the loans? Is it and how else do you how do you pay that tax? Is also gonna cover the tax bill that you might have based on that as well. Does that make sense? Yeah. We we don't, yeah, we're not able to do evaluations on property. We're able to access research material for you and look at research around the property area, the address itself, and get growth rates and things because it's all part of the invest investment stuff. But you would need an actual valuer to go and do a proper valuation of the property. There are probably companies in your area. I could maybe even Google a couple of different options for you, like places in your area to see if you maybe wanna contact them, find out what they might charge to do so, and sorta have that conversation with your mom to look at what your options are if you keep the property longer than, you know, the the June 30. Does that sound okay? Yep. Beautiful. Trust me. I'm in the same boat. I've got my investment property, and we're doing the same thing. I was like, I said to my husband, guess what we're doing next year? But no. There's there's you're right. Sorry. Yeah. Mhmm. Yeah. So what they're gonna essentially do is they'll assume they it's a pay administrative thing where you've held the property from, say, 2016 up until June 30 next year. On paper, your accountant needs to note that that up until June 30, this was the at June 30, this was the value of the property. This is what you bought it for. This would essentially be the capital gains based on that time frame under the grandfathered, so current rules now. As of the July 1, they assume that you've they assume the new valuation of the property, which would be the value as of thirtieth of thirtieth of June next year. And then from there onwards, you're under the new capital gains rules, and it just any gains from then onwards are under the new capital gains rules. So it essentially means that's exactly right. Yeah. So it's a minimum of 30%. And the way they have to work that out is when you do sell the property, they work out the your basically, your taxable income plus the CGT and work out what tax would be paid there. Then they have to do the secondary equation where it's your your income tax minus the without taking into effect the capital gains and then working out whether the difference, the CGT, is under 30 or over 30%. If it's over 30%, you'll probably get a refund. If it's under 30%, then you've gotta pay a top up amount to cover that. So it's unfortunately, accountants have a really, really terrible job ahead of them to work this stuff out, but there is a lot to do. And it's just about working out whether you sell the property now, whether it's what you guys wanna do, or whether you wanna hold on to it for a bit longer, or whether it has valued enough that you will cover both the loans and possibly the CGT consequences with that as well. Does that make sense? Yeah. Yeah. Yeah. Beautiful. Not a problem. Well, I'll start by getting that research material for you. I'll email through and break down a bit of an email on what we've got the growth rates, the expected value, and the information in that so you have it. And then you can definitely take that back, have a chat to your mom, look at what you guys wanna do. If she would like to then discuss because I know in the email, one of the things was looking at helping to get her into retirement phase. If she would like to then seek advice with you and look at the selling of the property, what we do with the funds on either side of it for each of you, getting her into retirement, then we can come back and have that conversation. I can do an initial consultation with her and yourself if you'd like to as well, and we can always sort of look at your goals and look at what we do down the track. Does that sound okay? Does that make sense? Do you have further questions from that at all? Yeah? There is. You can utilize a downsize contribution. However, it has to be on your main primary residence. They don't allow the contributions for investment properties, but there are other contributions that we can definitely use. So it's not the only way. They also do allow for non concessional contributions, which are after tax contributions, very similar to a downsizer, but it's you know, you can use the proceeds from your investment property to put in there. That's a 100% of the proceeds are invested, which is great. Or if you guys sell the property this year and say because you're both earning an income, the CDT, you know, pushes you up or you're you need to maybe look at reducing CDT some way, we can also make, concessional contributions in and utilize maybe some, financial year caps or previous five financial years with the caps and things like that. So there are other things that we can do, but the downsizer is primarily for having owned a main primary residence and selling that property. They don't really allow you to use it for an investment, unfortunately. Yeah. Yeah. That's that's okay. You're fine. Mhmm. Yep. Yes. Yeah. Yep. Yeah. So that's essentially what what we can do. There are other options available to her in retirement phase. So we can also look at lifetime annuities. We can look at how to you know, the platform that you've got as well as as other platforms there, how funds are invested. Again, the same as with yourself. We look at the risk profiling and how we invest funds to try and get the most out of the income. One of the biggest difference between your phase of life and hers is that you're taking on a bit more risk now because you're still accumulating your wealth. Whereas your mom in that sort of phase is not wanting to take as much risk. We don't wanna see large ups and downs in retirement phase. We kinda wanna see it a bit smoother. And because we're drawing income down, we wanna have investments that are also producing income so that we're essentially not taking as much of our capital and keeping as much of our capital invested as we can to give us longevity. But if that's something she would like to look at, I can email you after the call a copy of our financial services guide, which outlines who we are, what we do the services. We provide the fees, all the things that you can give to her. And then if you wanna come back and do a bit of an initial meeting or a conversation by Teams or however suits the two of you, we can do that together and sort of put a bit more out there about what her circumstances look like, what she's after, and sort of help to, you know, start the advice process for her. I try to sort of do things like that in more of their comfort level. I never want anyone to feel forced to come in and seek advice. So doing things slowly and within your mom's comfort level is absolutely really important. But, yeah, if you want, I can absolutely email this financial services guide through. I'll email you with just a recap of our conversation as well just to kind of in case you have additional questions that come back that you need answered, and then I'll go back and get that researched for you. Does that sound fairly okay? Yep. Yeah. Absolutely. And that's the best one of the things about keeping it in the super system is that I mean, one of the biggest differences actually about keeping it in the super system is that the money you draw down is tax free. And when you're in pension phase, there's no CGT tax or income tax. Whereas if you were to take all that money out of the super system and put it into a bank account, they don't have those same tax effectiveness. The money that you make from that savings account has to be considered for taxation purposes. And the money often doesn't make as much of a return as well. It doesn't keep up with, you know, CGT. You also have a lot more access to that money. It's easier to sort of draw on if you need it, so people tend to to burn through those funds a lot quicker as well. So there are a lot of advantages to keeping it in the super system, and we have access, as I said, to rep platforms. I also can advise on industry funds. We also have access to, like, annuities, lifetime annuities, and things. And I also do Centrelink advice as well. So we can incorporate Centrelink into things to show her what this looks like, how the draw downs work, how Centrelink can be incorporated, and the longevity she can get out of that. And then if we're looking at, you know, selling property and what to do with the funds, how to incorporate that into the whole strategy as a whole. So there's all those different aspects that we can certainly help her with, and it it sounds like it'd be something that you'd be you know, happy to be involved in to sorta help her along as well, and we're more than happy to incorporate those two of you into that if that's what you'd like to do. Yeah. Fantastic. There's a lot to it. Sorry. Not everything's straightforward. But yeah. Yeah. Absolutely. Perfect. Well, the the sleep of the retirement thing is really kinda close to home for me just because, you know, you guys work so hard. Everyone works so hard. We go to work. We spend basically a whole lifetime at work. So when we get to retirement, you wanna enjoy those years. And one of the biggest things to take into consideration nowadays is that super wasn't a thing until the early nineties, and it's been gradually increasing over time. So, you know, most people in your mom's stage and my mom's about to retire as well, and she has very little super, and we've been boosting it up as much as possible. But they don't have as much as you and I are gonna end up with when we get there. So it's about utilizing what we've been able to get, how we, you know, offset that with Centrelink and other ways and make the best of that So it gives them as much of a life as possible, and also as much longevity out of their money as possible. Because when you think about retirement, most people spend between twenty to forty years. It's a whole another lifetime in retirement. Aged care things to factor in as well. So there's a lot there's a whole another, you know, a lifetime of events, of longevity, and of spending that needs to be accounted for in that time frame. So, you know, retirement is very much close to close to home for me a little bit. So if your mom's open to having that conversation, let me know. I'm happy to book in a time. We can do Teams or phone call, whatever suits you so she's more comfortable, and we can definitely go from there. And for the moment, I'll send the financial services guide through so you can give that to her, and she's welcome to have a look at that. And if you guys have additional questions, just email me, call me. You can ask anything you like, and I'll always make time to answer those questions for you. Okay? Easy. Thank you so much. Is there any other questions that might have kinda come up for the moment there, Alex? Yep. Yep. Yep. Yep. Yep. No. That's okay. Absolutely. No. Not a problem at all. Well, I'll start by getting this research for you. I'll send you an email shortly with the FSD and a recap of our conversation just going through the questions that you did ask, and then I'll get the research to you as soon as I'm able to grab that and complete for you. And then we can go from there. If you have additional questions, come back and let me know, and we can have a look at, you know, where to go from there for you. Okay? Easy. Not a problem at all. I hope you have a good day. Are you working today? Yep. Yep. Well, enjoy your day, and I hope you guys have a great weekend. Do you got good weather at least? Is it nice and warm over there at the moment? Oh, yuck. Yeah. Yeah. No. Look. Happily, it's not that cold here in Queensland, but you know? No. All good. I like well, thank you so much for your time. I'll let you go because I know you are busy, and I'll start by getting those emails through to you, and we'll go from there. Okay? My pleasure. Talk to you soon. See you later. 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Aleck. It's Dana from OkuFinder Huntail. How are you this morning? I'm very well. Thank you.\n\nHow's your morning been so far? Yeah? Fantastic. I had you booked in for a bit of a catch up in relation to the email that you did send me. Is now still a good time for you?\n\nOh, fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file there for you.\n\nBeautiful. Thank you so much for that. So, Alec, we're looking at I sort of wanted to make sure I was doing a bit of a catch up with you to sort of see how things were going for you guys on that end, but also to give you a little bit of an update on what was happening with your super and the investments there. So I'm not sure if you look at that very often. Do you have a look at the kids' investments and your super on a regular basis or not really?\n\nYeah. No. Understandable. All good. Well, look.\n\nI'll give you a really quick update there for you to start with, and then we'll sort of jump into your your other questions there. But, essentially, with the kids investments, they have been starting going quite well. This year, we have seen, as I mentioned in my email, a lot of ups and downs in the market with everything that has been going on. So the returns are slightly less than what we would sort of expect for the first year, but it is also only the first year then. We're not quite at the end of the year with those.\n\nSo having a look at Cooper's investment, since inception, we're up by 0.26%. So it is a very small return for his so far, but in the last three months, we've seen over 2% of growth there. So it is good. It has been working really well. It's just that it's been a lot lower because of the ups and downs the market has seen.\n\nWith Alessandra's, the since inception, she's up 0.05%. In the last three months, again, we've seen over 2% growth there. So all of the ups and downs that we saw anywhere up until kinda June, April was probably the worst ups and downs we had seen with the market volatility and what was happening between The US and the Iran war. But it's also a buying opportunity because the market was lower, because the investments were essentially down at that point in time. The contributions that you guys are putting into those investments as the market recovers and comes back out as we see additional growth and compounding will provide a much more stable amount of growth and definitely some opportunities there moving forward.\n\nDo you have any questions about that so far? Yeah. That's okay. Yeah. So over the the each year is a 125%.\n\nYeah. But I'm keeping an eye on those for you. Yeah. Absolutely. All good.\n\nAnd with your super, I'm having a look at things from inception. You're up by 5.77%. And in the last thirty days, your super's made over three there as well with income and growth. So things are working really well. The markets have been a bit up and down there, but I just wanted to make sure that I was keeping in contact with you and giving you an update over the course of the year and just making sure that we're here to support you through any market volatility.\n\nI wasn't really sure if you were looking at them on a regular basis or if you had any concerns about what was going on, but just wanted to make sure that we were able to still make contact and check-in and see how things were going and give you updates as well. So, yeah, just do you have any questions about your super or how it's going at the moment? I know one of the things you wanted to talk about was salary sacrificing there as well. Yeah. That's okay.\n\nFantastic. Excellent. So we'll put salary sacrificing down to sort sort of follow-up down the track there. And you are due to have a full annual view around about November as well, so we can always sort of revisit it then if you'd like to. Does that sound okay?\n\nYeah. Fantastic. All good. The other thing that you had on here was that things are going well with the emergency fund. You're putting some money away, getting that sorted, and, hopefully, once your tax return is all completed, you reckon you're pretty close to completing that goal by the end of the year.\n\nIs that right? How's that tracking? Yeah. Fantastic. Yeah.\n\nGreat. Fantastic. Excellent. You've done really well to get there this quick. That's for sure.\n\nAll good. And then early next year, yourself and Rachel are gonna put some money aside to get your wills and powers of attorney set up. So you haven't really spoken to a solicitor. I haven't done those as of yet. That's more of a next year scenario.\n\nIs that right? Yep. Getting that done. Yeah. Yeah.\n\nIt just depends on sort of yeah. It depends on what the solicitor is through, how complex it is. It can be, you know, a couple of grand up to $5 for the two of you to complete a full complex will taking into account, obviously, the properties that you own with your mom. I know you are wanting to sort of look at what to do with those now as well and sort of help your mom move into that retirement phase. Yeah.\n\nYeah. Beautiful. Yeah. Yep. So so what's what do you mean by that's okay.\n\nJust sort of clarify, what do you mean by assessment? Are you sort of wanting us to look at the value of the property and assess the sale and things like that or where Right. Yep. Yep. Yep.\n\nYeah. Yep. Perfect. Yeah. Yeah.\n\nAbsolutely. So you're sort of just looking for a bit of information at the moment around what the growth rate has been, how what it's valued at at the moment, that sort of thing, how it's been growing. Is that sort of what you're after? Yep. Mhmm.\n\nYep. Mhmm. Yep. That's that's okay. That's absolutely fine.\n\nSo when we sort of look at providing advice, where I would wanna maybe start to because this property is technically owned by the two of you, to really incorporate personal advice, I'd need to be able to incorporate your mom. What I can do to start with for you is to maybe do up some general information, general advice on what the property's done. I can obtain the research around the growth rates that it has seen for you, provide maybe some reports to show you, you know, the excerpts on how it's grown, what it's valued at, and all the information around that to start with. And then we could look at further your goals, what you're wanting to do, what your mom is wanting to do, whether she's wanting to move into retirement. If you were to sell the property, what would you do with the funds from there?\n\nObviously, factor in capital gain scenarios and things like that, we would definitely need you to also speak to your accountant to find out what the CGT consequences might look like, and then kinda come back and look at personal advice in relation to that. Does that make sense, and does that sound okay with you? Yep. Yep. Perfect.\n\nExcellent. So what I'll do is I'll obtain some information. Now can I grab the address of the property so I can go back and do that research for you? One second. How do you spell Anthem Road?\n\nSorry. Just so I have it right. Yep. Fantastic. Road.\n\nYep. Tatum, how do you spell that? Beautiful. And that's Queensland? Yep.\n\nFantastic. Excellent. Lovely. Okay. Yeah.\n\nYep. Yep. Perfect. Excellent. And when was that developed?\n\nWhen did you have that purchase of the plan originally? That's okay, honestly, even just an estimated year. Yep. Yep. Perfect.\n\nExcellent. And when it sort of comes down to down the track with selling the property, I know one of the things we talked about, you know, a bit over a year ago was that you were looking down the track to sell one of these properties because the other one your mom lives in as her main primary residence. Is that right? Yep. Yep.\n\nYep. Yep. Perfect. And so just sort of checking you're right. So sorry.\n\nMy my apologies. I like you continue. Sorry. Yep. Yeah.\n\nYep. Yeah. No. That's okay. Yeah.\n\nOkay. Perfect. So your mom isn't retired as of yet. She's still working currently? Yep.\n\nPerfect. Excellent. Lovely. So what I could do if you're comfortable to start with is we'll start by just with some general information, general advice. I can obtain the information on the the research material on the property itself, the growth rates, how it has grown, estimated value based on current research.\n\nI can send that to you so you can have a bit of a look at it, a read through. We can then sort of come back and discuss that if you want to. And then it's it's a matter of having a conversation with your mom, looking at whether it's worth you guys selling it now, looking at the CGT consequences. Because the other thing to consider is if it's a rent if it's been a rent investment property, you're gonna have to pay CDT tax. So making sure that speaking to your accountant would be a good one and estimating the CDT tax based on any other deductions that you can have a look at to kind of reduce that as much as possible.\n\nThe other thing to sort of think about is whether you wanna sell that now or whether you wanna hold off until after the new CGT rules come into play. Because the other thing is, I don't know if you sort of had a look at, with all the new legislative changes going through. There is a change to capital gains tax as of the July 1 year. Have you had a look at those rules or had an under have an understanding of what they mean? Or yeah.\n\nNo. That's, yeah, that's absolutely fine. Yeah. Yeah. So, essentially, what it means is there's gonna be two sort of capital gains rules that apply.\n\nThere's the current rules, and then there's the newer rules as of the July 1. So any investment property that you do own now, if you continue to hold up until, say, the June 30 year, will essentially, under the rules, be seen by the ATO as having been sold on the June 30 year and then repurchase back on the July 1. So any capital gain you've received from the property from purchase date to the end of that of June next financial year will go under the current rules, which gives you the option of the 50% discount. Then after the July 1 next year, then they'll have a new rule. And they're essentially seeing you as holding the asset as you disposing of it on one day and then rebuying it back the next day.\n\nYou won't physically have to do any of that. It's just like an administrative thing. So they can say, as of that, this is June 2027, up and you own the property from this date to here. That is all under the grandfathered tax or CGT rules. The new rules essentially means that when a property is sold, there's a whole fun math equation around doing it.\n\nBut they the tax is a minimum of 30%, and that will apply from the July 1 next year until you dispose of the property then. So it means that when if you do keep the property longer and sell it after the July 1, your accountant has to take into account two different tax rules for different portions of the property. And they are suggesting people get properties evaluated around that time just to sort of see what the evaluations are to have a record keeping thing. So it's just sort of probably important once I get this research through that and I can pop that in the email for you as well. Just maybe have that conversation with your mom, look at whether it is worth selling it now or whether you wanna hold off.\n\nYou can also speak to your account and can get them to do, like, a mock mock tax return for you to sort of show you the estimated CGT might be, taking into account any deductions that they might know that you're able to assess. That way, you can look at if you were to sell the property, is that gonna cover both the loans? Is it and how else do you how do you pay that tax? Is also gonna cover the tax bill that you might have based on that as well. Does that make sense?\n\nYeah. We we don't, yeah, we're not able to do evaluations on property. We're able to access research material for you and look at research around the property area, the address itself, and get growth rates and things because it's all part of the invest investment stuff. But you would need an actual valuer to go and do a proper valuation of the property. There are probably companies in your area.\n\nI could maybe even Google a couple of different options for you, like places in your area to see if you maybe wanna contact them, find out what they might charge to do so, and sorta have that conversation with your mom to look at what your options are if you keep the property longer than, you know, the the June 30. Does that sound okay? Yep. Beautiful. Trust me.\n\nI'm in the same boat. I've got my investment property, and we're doing the same thing. I was like, I said to my husband, guess what we're doing next year? But no. There's there's you're right.\n\nSorry. Yeah. Mhmm. Yeah. So what they're gonna essentially do is they'll assume they it's a pay administrative thing where you've held the property from, say, 2016 up until June 30 next year.\n\nOn paper, your accountant needs to note that that up until June 30, this was the at June 30, this was the value of the property. This is what you bought it for. This would essentially be the capital gains based on that time frame under the grandfathered, so current rules now. As of the July 1, they assume that you've they assume the new valuation of the property, which would be the value as of thirtieth of thirtieth of June next year. And then from there onwards, you're under the new capital gains rules, and it just any gains from then onwards are under the new capital gains rules.\n\nSo it essentially means that's exactly right. Yeah. So it's a minimum of 30%. And the way they have to work that out is when you do sell the property, they work out the your basically, your taxable income plus the CGT and work out what tax would be paid there. Then they have to do the secondary equation where it's your your income tax minus the without taking into effect the capital gains and then working out whether the difference, the CGT, is under 30 or over 30%.\n\nIf it's over 30%, you'll probably get a refund. If it's under 30%, then you've gotta pay a top up amount to cover that. So it's unfortunately, accountants have a really, really terrible job ahead of them to work this stuff out, but there is a lot to do. And it's just about working out whether you sell the property now, whether it's what you guys wanna do, or whether you wanna hold on to it for a bit longer, or whether it has valued enough that you will cover both the loans and possibly the CGT consequences with that as well. Does that make sense?\n\nYeah. Yeah. Yeah. Beautiful. Not a problem.\n\nWell, I'll start by getting that research material for you. I'll email through and break down a bit of an email on what we've got the growth rates, the expected value, and the information in that so you have it. And then you can definitely take that back, have a chat to your mom, look at what you guys wanna do. If she would like to then discuss because I know in the email, one of the things was looking at helping to get her into retirement phase. If she would like to then seek advice with you and look at the selling of the property, what we do with the funds on either side of it for each of you, getting her into retirement, then we can come back and have that conversation.\n\nI can do an initial consultation with her and yourself if you'd like to as well, and we can always sort of look at your goals and look at what we do down the track. Does that sound okay? Does that make sense? Do you have further questions from that at all? Yeah?\n\nThere is. You can utilize a downsize contribution. However, it has to be on your main primary residence. They don't allow the contributions for investment properties, but there are other contributions that we can definitely use. So it's not the only way.\n\nThey also do allow for non concessional contributions, which are after tax contributions, very similar to a downsizer, but it's you know, you can use the proceeds from your investment property to put in there. That's a 100% of the proceeds are invested, which is great. Or if you guys sell the property this year and say because you're both earning an income, the CDT, you know, pushes you up or you're you need to maybe look at reducing CDT some way, we can also make, concessional contributions in and utilize maybe some, financial year caps or previous five financial years with the caps and things like that. So there are other things that we can do, but the downsizer is primarily for having owned a main primary residence and selling that property. They don't really allow you to use it for an investment, unfortunately.\n\nYeah. Yeah. That's that's okay. You're fine. Mhmm.\n\nYep. Yes. Yeah. Yep. Yeah.\n\nSo that's essentially what what we can do. There are other options available to her in retirement phase. So we can also look at lifetime annuities. We can look at how to you know, the platform that you've got as well as as other platforms there, how funds are invested. Again, the same as with yourself.\n\nWe look at the risk profiling and how we invest funds to try and get the most out of the income. One of the biggest difference between your phase of life and hers is that you're taking on a bit more risk now because you're still accumulating your wealth. Whereas your mom in that sort of phase is not wanting to take as much risk. We don't wanna see large ups and downs in retirement phase. We kinda wanna see it a bit smoother.\n\nAnd because we're drawing income down, we wanna have investments that are also producing income so that we're essentially not taking as much of our capital and keeping as much of our capital invested as we can to give us longevity. But if that's something she would like to look at, I can email you after the call a copy of our financial services guide, which outlines who we are, what we do the services. We provide the fees, all the things that you can give to her. And then if you wanna come back and do a bit of an initial meeting or a conversation by Teams or however suits the two of you, we can do that together and sort of put a bit more out there about what her circumstances look like, what she's after, and sort of help to, you know, start the advice process for her. I try to sort of do things like that in more of their comfort level.\n\nI never want anyone to feel forced to come in and seek advice. So doing things slowly and within your mom's comfort level is absolutely really important. But, yeah, if you want, I can absolutely email this financial services guide through. I'll email you with just a recap of our conversation as well just to kind of in case you have additional questions that come back that you need answered, and then I'll go back and get that researched for you. Does that sound fairly okay?\n\nYep. Yeah. Absolutely. And that's the best one of the things about keeping it in the super system is that I mean, one of the biggest differences actually about keeping it in the super system is that the money you draw down is tax free. And when you're in pension phase, there's no CGT tax or income tax.\n\nWhereas if you were to take all that money out of the super system and put it into a bank account, they don't have those same tax effectiveness. The money that you make from that savings account has to be considered for taxation purposes. And the money often doesn't make as much of a return as well. It doesn't keep up with, you know, CGT. You also have a lot more access to that money.\n\nIt's easier to sort of draw on if you need it, so people tend to to burn through those funds a lot quicker as well. So there are a lot of advantages to keeping it in the super system, and we have access, as I said, to rep platforms. I also can advise on industry funds. We also have access to, like, annuities, lifetime annuities, and things. And I also do Centrelink advice as well.\n\nSo we can incorporate Centrelink into things to show her what this looks like, how the draw downs work, how Centrelink can be incorporated, and the longevity she can get out of that. And then if we're looking at, you know, selling property and what to do with the funds, how to incorporate that into the whole strategy as a whole. So there's all those different aspects that we can certainly help her with, and it it sounds like it'd be something that you'd be you know, happy to be involved in to sorta help her along as well, and we're more than happy to incorporate those two of you into that if that's what you'd like to do. Yeah. Fantastic.\n\nThere's a lot to it. Sorry. Not everything's straightforward. But yeah. Yeah.\n\nAbsolutely. Perfect. Well, the the sleep of the retirement thing is really kinda close to home for me just because, you know, you guys work so hard. Everyone works so hard. We go to work.\n\nWe spend basically a whole lifetime at work. So when we get to retirement, you wanna enjoy those years. And one of the biggest things to take into consideration nowadays is that super wasn't a thing until the early nineties, and it's been gradually increasing over time. So, you know, most people in your mom's stage and my mom's about to retire as well, and she has very little super, and we've been boosting it up as much as possible. But they don't have as much as you and I are gonna end up with when we get there.\n\nSo it's about utilizing what we've been able to get, how we, you know, offset that with Centrelink and other ways and make the best of that So it gives them as much of a life as possible, and also as much longevity out of their money as possible. Because when you think about retirement, most people spend between twenty to forty years. It's a whole another lifetime in retirement. Aged care things to factor in as well. So there's a lot there's a whole another, you know, a lifetime of events, of longevity, and of spending that needs to be accounted for in that time frame.\n\nSo, you know, retirement is very much close to close to home for me a little bit. So if your mom's open to having that conversation, let me know. I'm happy to book in a time. We can do Teams or phone call, whatever suits you so she's more comfortable, and we can definitely go from there. And for the moment, I'll send the financial services guide through so you can give that to her, and she's welcome to have a look at that.\n\nAnd if you guys have additional questions, just email me, call me. You can ask anything you like, and I'll always make time to answer those questions for you. Okay? Easy. Thank you so much.\n\nIs there any other questions that might have kinda come up for the moment there, Alex? Yep. Yep. Yep. Yep.\n\nYep. No. That's okay. Absolutely. No.\n\nNot a problem at all. Well, I'll start by getting this research for you. I'll send you an email shortly with the FSD and a recap of our conversation just going through the questions that you did ask, and then I'll get the research to you as soon as I'm able to grab that and complete for you. And then we can go from there. If you have additional questions, come back and let me know, and we can have a look at, you know, where to go from there for you.\n\nOkay? Easy. Not a problem at all. I hope you have a good day. Are you working today?\n\nYep. Yep. Well, enjoy your day, and I hope you guys have a great weekend. Do you got good weather at least? Is it nice and warm over there at the moment?\n\nOh, yuck. Yeah. Yeah. No. Look.\n\nHappily, it's not that cold here in Queensland, but you know? No. All good. I like well, thank you so much for your time. I'll let you go because I know you are busy, and I'll start by getting those emails through to you, and we'll go from there.\n\nOkay? My pleasure. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Aleck.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.1128612533211708},{"text":"It's Dana from OkuFinder Huntail.","start":3.28,"end":5.04,"sentiment":"neutral","sentiment_score":0.13091424852609634},{"text":"How are you this morning?","start":5.04,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.18486935198307036},{"text":"I'm very well.","start":8.0,"end":9.12,"sentiment":"positive","sentiment_score":0.5420499642690023},{"text":"Thank you.","start":9.12,"end":9.599999,"sentiment":"positive","sentiment_score":0.5672895312309265}],"sentiment":"neutral","sentiment_score":0.2685511449680609,"num_words":17,"start":2.72,"end":9.599999},{"sentences":[{"text":"How's your morning been so far?","start":9.599999,"end":11.46,"sentiment":"neutral","sentiment_score":0.14573671792944273},{"text":"Yeah?","start":13.92,"end":14.42,"sentiment":"neutral","sentiment_score":0.13714459538459778},{"text":"Fantastic.","start":15.924999,"end":16.425,"sentiment":"positive","sentiment_score":0.6812522411346436},{"text":"I had you booked in for a bit of a catch up in relation to the email that you did send me.","start":16.564999,"end":20.324999,"sentiment":"neutral","sentiment_score":0.30723008107055316},{"text":"Is now still a good time for you?","start":20.324999,"end":22.185,"sentiment":"positive","sentiment_score":0.3408351540565491}],"sentiment":"neutral","sentiment_score":0.2941726357921174,"num_words":38,"start":9.599999,"end":22.185},{"sentences":[{"text":"Oh, fantastic.","start":23.765,"end":24.825,"sentiment":"positive","sentiment_score":0.4328581988811493},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":25.365,"end":29.71,"sentiment":"neutral","sentiment_score":0.14743449680861972},{"text":"Are you happy for me to proceed with that?","start":29.77,"end":31.869999,"sentiment":"neutral","sentiment_score":0.17262493736214107},{"text":"Fantastic.","start":33.29,"end":33.79,"sentiment":"positive","sentiment_score":0.5565958023071289},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file there for you.","start":33.93,"end":46.185,"sentiment":"neutral","sentiment_score":0.1845322669003949}],"sentiment":"neutral","sentiment_score":0.18426705874276883,"num_words":66,"start":23.765,"end":46.185},{"sentences":[{"text":"Beautiful.","start":46.185,"end":46.685,"sentiment":"positive","sentiment_score":0.4949469566345215},{"text":"Thank you so much for that.","start":46.825,"end":48.445,"sentiment":"positive","sentiment_score":0.5350569784641266},{"text":"So, Alec, we're looking at I sort of wanted to make sure I was doing a bit of a catch up with you to sort of see how things were going for you guys on that end, but also to give you a little bit of an update on what was happening with your super and the investments there.","start":48.585,"end":60.239998,"sentiment":"neutral","sentiment_score":0.11677278028958935},{"text":"So I'm not sure if you look at that very often.","start":60.239998,"end":62.16,"sentiment":"neutral","sentiment_score":-0.01946127245371992},{"text":"Do you have a look at the kids' investments and your super on a regular basis or not really?","start":62.16,"end":66.66,"sentiment":"neutral","sentiment_score":-0.007250746467003697}],"sentiment":"neutral","sentiment_score":0.10669838213167775,"num_words":96,"start":46.185,"end":66.66},{"sentences":[{"text":"Yeah.","start":70.315,"end":70.635,"sentiment":"neutral","sentiment_score":-0.09479258209466934},{"text":"No.","start":70.635,"end":71.035,"sentiment":"neutral","sentiment_score":-0.12372975051403046},{"text":"Understandable.","start":71.035,"end":71.535,"sentiment":"neutral","sentiment_score":-0.08531177043914795},{"text":"All good.","start":71.995,"end":72.475,"sentiment":"neutral","sentiment_score":-0.0004327576607465743},{"text":"Well, look.","start":72.475,"end":72.795,"sentiment":"neutral","sentiment_score":-0.0037444140762090683}],"sentiment":"neutral","sentiment_score":-0.04459834950310843,"num_words":7,"start":70.315,"end":72.795},{"sentences":[{"text":"I'll give you a really quick update there for you to start with, and then we'll sort of jump into your your other questions there.","start":72.795,"end":78.095,"sentiment":"neutral","sentiment_score":0.033402854315936564},{"text":"But, essentially, with the kids investments, they have been starting going quite well.","start":78.395004,"end":82.335,"sentiment":"neutral","sentiment_score":0.08033965542339362},{"text":"This year, we have seen, as I mentioned in my email, a lot of ups and downs in the market with everything that has been going on.","start":82.59,"end":88.03,"sentiment":"neutral","sentiment_score":-0.07947409829055821},{"text":"So the returns are slightly less than what we would sort of expect for the first year, but it is also only the first year then.","start":88.03,"end":94.19,"sentiment":"neutral","sentiment_score":-0.16604699566960335},{"text":"We're not quite at the end of the year with those.","start":94.19,"end":96.29,"sentiment":"neutral","sentiment_score":-0.13902310044928032}],"sentiment":"neutral","sentiment_score":-0.05992931144896383,"num_words":102,"start":72.795,"end":96.29},{"sentences":[{"text":"So having a look at Cooper's investment, since inception, we're up by 0.26%.","start":96.855,"end":102.695,"sentiment":"neutral","sentiment_score":0.1181946133191769},{"text":"So it is a very small return for his so far, but in the last three months, we've seen over 2% of growth there.","start":102.695,"end":108.695,"sentiment":"neutral","sentiment_score":0.015502318429450193},{"text":"So it is good.","start":108.695,"end":109.495,"sentiment":"positive","sentiment_score":0.6756005883216858},{"text":"It has been working really well.","start":109.495,"end":110.94,"sentiment":"positive","sentiment_score":0.6617434024810791},{"text":"It's just that it's been a lot lower because of the ups and downs the market has seen.","start":110.94,"end":115.28,"sentiment":"neutral","sentiment_score":-0.12345866113901138}],"sentiment":"neutral","sentiment_score":0.09783373050964796,"num_words":65,"start":96.855,"end":115.28},{"sentences":[{"text":"With Alessandra's, the since inception, she's up 0.05%.","start":116.299995,"end":121.5,"sentiment":"neutral","sentiment_score":0.11476951744407415},{"text":"In the last three months, again, we've seen over 2% growth there.","start":121.5,"end":124.7,"sentiment":"neutral","sentiment_score":0.03702447873850664},{"text":"So all of the ups and downs that we saw anywhere up until kinda June, April was probably the worst ups and downs we had seen with the market volatility and what was happening between The US and the Iran war.","start":124.7,"end":136.55501,"sentiment":"neutral","sentiment_score":-0.1463948866216148},{"text":"But it's also a buying opportunity because the market was lower, because the investments were essentially down at that point in time.","start":136.855,"end":143.67001,"sentiment":"neutral","sentiment_score":0.08604635840112512},{"text":"The contributions that you guys are putting into those investments as the market recovers and comes back out as we see additional growth and compounding will provide a much more stable amount of growth and definitely some opportunities there moving forward.","start":143.67001,"end":157.505,"sentiment":"positive","sentiment_score":0.3576695802735119}],"sentiment":"neutral","sentiment_score":0.09611074362070329,"num_words":124,"start":116.299995,"end":157.505},{"sentences":[{"text":"Do you have any questions about that so far?","start":157.645,"end":160.145,"sentiment":"neutral","sentiment_score":0.0508674681186676},{"text":"Yeah.","start":163.085,"end":163.405,"sentiment":"neutral","sentiment_score":0.05400526523590088},{"text":"That's okay.","start":163.405,"end":164.305,"sentiment":"neutral","sentiment_score":0.08683332428336143},{"text":"Yeah.","start":171.16,"end":171.48001,"sentiment":"neutral","sentiment_score":0.027046969160437584},{"text":"So over the the each year is a 125%.","start":171.48001,"end":175.26001,"sentiment":"neutral","sentiment_score":0.036444941949513227}],"sentiment":"neutral","sentiment_score":0.047296844253485855,"num_words":22,"start":157.645,"end":175.26001},{"sentences":[{"text":"Yeah.","start":176.92,"end":177.315,"sentiment":"neutral","sentiment_score":0.016964370384812355},{"text":"But I'm keeping an eye on those for you.","start":177.395,"end":179.655,"sentiment":"neutral","sentiment_score":0.03651692107733753},{"text":"Yeah.","start":179.795,"end":180.035,"sentiment":"neutral","sentiment_score":0.1208387166261673},{"text":"Absolutely.","start":180.035,"end":180.535,"sentiment":"neutral","sentiment_score":0.23955437541007996},{"text":"All good.","start":180.91501,"end":181.315,"sentiment":"positive","sentiment_score":0.34063996374607086}],"sentiment":"neutral","sentiment_score":0.09909211997208851,"num_words":14,"start":176.92,"end":181.315},{"sentences":[{"text":"And with your super, I'm having a look at things from inception.","start":181.315,"end":184.455,"sentiment":"neutral","sentiment_score":0.21312230452895164},{"text":"You're up by 5.77%.","start":184.675,"end":186.995,"sentiment":"neutral","sentiment_score":0.2715332508087158},{"text":"And in the last thirty days, your super's made over three there as well with income and growth.","start":186.995,"end":191.53,"sentiment":"neutral","sentiment_score":0.2507745433184836},{"text":"So things are working really well.","start":191.53,"end":193.37,"sentiment":"positive","sentiment_score":0.45847616096337634},{"text":"The markets have been a bit up and down there, but I just wanted to make sure that I was keeping in contact with you and giving you an update over the course of the year and just making sure that we're here to support you through any market volatility.","start":193.37,"end":206.415,"sentiment":"neutral","sentiment_score":0.15162503093481064}],"sentiment":"neutral","sentiment_score":0.2054405661092864,"num_words":90,"start":181.315,"end":206.415},{"sentences":[{"text":"I wasn't really sure if you were looking at them on a regular basis or if you had any concerns about what was going on, but just wanted to make sure that we were able to still make contact and check-in and see how things were going and give you updates as well.","start":206.415,"end":218.575,"sentiment":"neutral","sentiment_score":0.06582874878538104},{"text":"So, yeah, just do you have any questions about your super or how it's going at the moment?","start":218.575,"end":222.95001,"sentiment":"neutral","sentiment_score":0.03571723329110278},{"text":"I know one of the things you wanted to talk about was salary sacrificing there as 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to.","start":243.065,"end":249.88,"sentiment":"neutral","sentiment_score":0.18645357367183482},{"text":"Does that sound okay?","start":249.88,"end":251.02,"sentiment":"neutral","sentiment_score":0.11215211637318134}],"sentiment":"neutral","sentiment_score":0.20355313027999838,"num_words":49,"start":236.585,"end":251.02},{"sentences":[{"text":"Yeah.","start":252.76001,"end":253.26001,"sentiment":"positive","sentiment_score":0.35914742946624756},{"text":"Fantastic.","start":253.32,"end":253.82,"sentiment":"positive","sentiment_score":0.671372652053833},{"text":"All good.","start":254.28,"end":255.02,"sentiment":"positive","sentiment_score":0.5988368988037109},{"text":"The other thing that you had on here was that things are going well with the emergency fund.","start":255.48001,"end":260.145,"sentiment":"neutral","sentiment_score":0.19304413265652126},{"text":"You're putting some money away, getting that sorted, and, hopefully, once your tax return is all completed, you reckon you're 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tracking?","start":269.26498,"end":270.245,"sentiment":"neutral","sentiment_score":0.056340006490548454},{"text":"Yeah.","start":274.065,"end":274.47,"sentiment":"neutral","sentiment_score":0.035460151731967926},{"text":"Fantastic.","start":276.23,"end":276.73,"sentiment":"positive","sentiment_score":0.46161600947380066},{"text":"Yeah.","start":281.27,"end":281.77,"sentiment":"neutral","sentiment_score":0.06660030782222748}],"sentiment":"neutral","sentiment_score":0.11628485222657521,"num_words":9,"start":268.705,"end":281.77},{"sentences":[{"text":"Great.","start":284.39,"end":284.63,"sentiment":"neutral","sentiment_score":0.26110368967056274},{"text":"Fantastic.","start":284.63,"end":285.13,"sentiment":"positive","sentiment_score":0.40718960762023926},{"text":"Excellent.","start":287.11,"end":287.61,"sentiment":"positive","sentiment_score":0.5945615768432617},{"text":"You've done really well to get there this 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okay.","start":364.91,"end":368.565,"sentiment":"neutral","sentiment_score":0.01698639038950205}],"sentiment":"neutral","sentiment_score":0.0865935216258679,"num_words":14,"start":348.815,"end":368.565},{"sentences":[{"text":"Just sort of clarify, what do you mean by assessment?","start":368.645,"end":370.905,"sentiment":"neutral","sentiment_score":0.015740681625902652},{"text":"Are you sort of wanting us to look at the value of the property and assess the sale and things like that or where 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after?","start":413.90002,"end":415.44,"sentiment":"neutral","sentiment_score":0.063544790659632},{"text":"Yep.","start":417.82,"end":418.32,"sentiment":"neutral","sentiment_score":-0.23537346720695496},{"text":"Mhmm.","start":428.275,"end":428.775,"sentiment":"neutral","sentiment_score":-0.2181653380393982}],"sentiment":"neutral","sentiment_score":0.09995007879556493,"num_words":47,"start":405.115,"end":428.775},{"sentences":[{"text":"Yep.","start":430.995,"end":431.495,"sentiment":"neutral","sentiment_score":-0.09027481079101562},{"text":"Mhmm.","start":433.395,"end":433.895,"sentiment":"neutral","sentiment_score":0.005556599237024784},{"text":"Yep.","start":434.275,"end":434.755,"sentiment":"neutral","sentiment_score":-0.00006734952330589294},{"text":"That's that's okay.","start":434.755,"end":436.35498,"sentiment":"neutral","sentiment_score":0.24603140850861868},{"text":"That's absolutely fine.","start":436.35498,"end":437.47498,"sentiment":"positive","sentiment_score":0.45765775442123413}],"sentiment":"neutral","sentiment_score":0.22514243641247353,"num_words":9,"start":430.995,"end":437.47498},{"sentences":[{"text":"So when we sort of look at providing advice, where I would wanna maybe start to because this property is technically owned by the two of you, to really incorporate personal advice, I'd need to be able to incorporate your mom.","start":437.47498,"end":448.46,"sentiment":"neutral","sentiment_score":0.11043834958861513},{"text":"What I can do to start with for you is to maybe do up some general information, general advice on what the property's done.","start":448.46,"end":454.22,"sentiment":"neutral","sentiment_score":0.14319737379749617},{"text":"I can obtain the research around the growth rates that it has seen for you, provide maybe some reports to show you, you know, the excerpts on how it's grown, what it's valued at, and all the information around that to start with.","start":454.22,"end":467.71503,"sentiment":"neutral","sentiment_score":0.1739759074394093},{"text":"And then we could look at further your goals, what you're wanting to do, what your mom is wanting to do, whether she's wanting to move into retirement.","start":468.19,"end":474.45,"sentiment":"neutral","sentiment_score":0.15831383437450444},{"text":"If you were to sell the property, what would you do with the funds from there?","start":474.51,"end":477.88998,"sentiment":"neutral","sentiment_score":-0.015326257096603513}],"sentiment":"neutral","sentiment_score":0.1291660564020276,"num_words":152,"start":437.47498,"end":477.88998},{"sentences":[{"text":"Obviously, factor in capital gain scenarios and things like that, we would definitely need you to also speak to your accountant to find out what the CGT consequences might look like, and then kinda come back and look at personal advice in relation to that.","start":478.51,"end":493.115,"sentiment":"neutral","sentiment_score":-0.046740329541110744},{"text":"Does that make sense, and does that sound okay with you?","start":493.115,"end":495.68002,"sentiment":"neutral","sentiment_score":0.011847677047957073},{"text":"Yep.","start":497.58002,"end":498.08002,"sentiment":"neutral","sentiment_score":0.027358606457710263},{"text":"Yep.","start":498.7,"end":499.2,"sentiment":"neutral","sentiment_score":0.1228966861963272},{"text":"Perfect.","start":499.34003,"end":499.84003,"sentiment":"positive","sentiment_score":0.621832549571991}],"sentiment":"neutral","sentiment_score":-0.020354280332142833,"num_words":59,"start":478.51,"end":499.84003},{"sentences":[{"text":"Excellent.","start":501.42,"end":501.92,"sentiment":"positive","sentiment_score":0.6146379709243774},{"text":"So what I'll do is I'll obtain some information.","start":501.98,"end":504.30002,"sentiment":"neutral","sentiment_score":0.13905008220010334},{"text":"Now can I grab the address of the property so I can go back and do that research for you?","start":504.30002,"end":515.685,"sentiment":"neutral","sentiment_score":0.09609265374019742},{"text":"One second.","start":517.90497,"end":518.805,"sentiment":"neutral","sentiment_score":0.0038955736672505736},{"text":"How do you spell Anthem Road?","start":519.425,"end":520.705,"sentiment":"neutral","sentiment_score":-0.006761606549844146}],"sentiment":"neutral","sentiment_score":0.09882008667275506,"num_words":38,"start":501.42,"end":520.705},{"sentences":[{"text":"Sorry.","start":520.705,"end":521.105,"sentiment":"neutral","sentiment_score":-0.03860878944396973},{"text":"Just so I have it 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residence.","start":607.5,"end":620.86005,"sentiment":"neutral","sentiment_score":0.019387094556527623},{"text":"Is that right?","start":620.86005,"end":621.815,"sentiment":"neutral","sentiment_score":0.037110502521197},{"text":"Yep.","start":628.355,"end":628.855,"sentiment":"neutral","sentiment_score":0.06783437728881836},{"text":"Yep.","start":630.915,"end":631.415,"sentiment":"neutral","sentiment_score":-0.017298880964517593}],"sentiment":"neutral","sentiment_score":0.025702547654509543,"num_words":65,"start":606.54004,"end":631.415},{"sentences":[{"text":"Yep.","start":635.315,"end":635.7,"sentiment":"neutral","sentiment_score":0.04681509733200073},{"text":"Yep.","start":636.66003,"end":637.16003,"sentiment":"neutral","sentiment_score":0.14553649723529816},{"text":"Perfect.","start":638.98004,"end":639.48004,"sentiment":"positive","sentiment_score":0.5595614314079285},{"text":"And so just sort of checking you're right.","start":640.02,"end":642.34,"sentiment":"neutral","sentiment_score":0.1325854230672121},{"text":"So sorry.","start":642.34,"end":643.08,"sentiment":"neutral","sentiment_score":-0.07866843044757843}],"sentiment":"neutral","sentiment_score":0.12732765766290519,"num_words":13,"start":635.315,"end":643.08},{"sentences":[{"text":"My my apologies.","start":643.14,"end":644.10004,"sentiment":"neutral","sentiment_score":-0.19181664288043976},{"text":"I like you continue.","start":644.10004,"end":645.16003,"sentiment":"neutral","sentiment_score":-0.09199617430567741},{"text":"Sorry.","start":645.3,"end":645.8,"sentiment":"neutral","sentiment_score":-0.043907228857278824},{"text":"Yep.","start":658.645,"end":659.145,"sentiment":"neutral","sentiment_score":0.04777789115905762},{"text":"Yeah.","start":662.885,"end":663.385,"sentiment":"neutral","sentiment_score":0.007239900529384613}],"sentiment":"neutral","sentiment_score":-0.09323240630328655,"num_words":10,"start":643.14,"end":663.385},{"sentences":[{"text":"Yep.","start":672.01,"end":672.51,"sentiment":"neutral","sentiment_score":0.037733256816864014},{"text":"Yeah.","start":672.73004,"end":673.21,"sentiment":"neutral","sentiment_score":0.014016371220350266},{"text":"No.","start":673.21,"end":673.53,"sentiment":"neutral","sentiment_score":-0.03637097030878067},{"text":"That's okay.","start":673.53,"end":674.27,"sentiment":"neutral","sentiment_score":-0.0045052687637507915},{"text":"Yeah.","start":678.73004,"end":679.13,"sentiment":"neutral","sentiment_score":0.04272785037755966}],"sentiment":"neutral","sentiment_score":0.008182661763081947,"num_words":6,"start":672.01,"end":679.13},{"sentences":[{"text":"Okay.","start":679.13,"end":679.425,"sentiment":"neutral","sentiment_score":0.09786581993103027},{"text":"Perfect.","start":679.665,"end":679.90497,"sentiment":"neutral","sentiment_score":0.2907243072986603},{"text":"So your mom isn't retired as of yet.","start":679.90497,"end":681.825,"sentiment":"neutral","sentiment_score":0.057983626145869493},{"text":"She's still working currently?","start":681.825,"end":683.125,"sentiment":"neutral","sentiment_score":0.03324233368039131},{"text":"Yep.","start":685.425,"end":685.90497,"sentiment":"neutral","sentiment_score":0.20910096168518064}],"sentiment":"neutral","sentiment_score":0.07963529552022616,"num_words":15,"start":679.13,"end":685.90497},{"sentences":[{"text":"Perfect.","start":685.90497,"end":686.40497,"sentiment":"positive","sentiment_score":0.5940353870391846},{"text":"Excellent.","start":687.265,"end":687.765,"sentiment":"positive","sentiment_score":0.6640845537185669},{"text":"Lovely.","start":687.985,"end":688.485,"sentiment":"positive","sentiment_score":0.6213293075561523},{"text":"So what I could do if you're comfortable to start with is we'll start by just with some general information, general advice.","start":688.945,"end":693.665,"sentiment":"neutral","sentiment_score":0.17537665299393915},{"text":"I can obtain the information on the the research material on the property itself, the growth rates, how it has grown, estimated value based on current research.","start":693.665,"end":702.88,"sentiment":"neutral","sentiment_score":0.11202898152448514}],"sentiment":"neutral","sentiment_score":0.16850996375657046,"num_words":52,"start":685.90497,"end":702.88},{"sentences":[{"text":"I can send that to you so you can have a bit of a look at it, a read through.","start":703.5,"end":706.78,"sentiment":"neutral","sentiment_score":0.13394161872565746},{"text":"We can then sort of come back and discuss that if you want to.","start":706.78,"end":709.755,"sentiment":"neutral","sentiment_score":0.08704242695655141},{"text":"And then it's it's a matter of having a conversation with your mom, looking at whether it's worth you guys selling it now, looking at the CGT consequences.","start":710.075,"end":717.055,"sentiment":"neutral","sentiment_score":-0.015417467569932342},{"text":"Because the other thing to consider is if it's a rent if it's been a rent investment property, you're gonna have to pay CDT tax.","start":717.355,"end":723.87,"sentiment":"neutral","sentiment_score":-0.037218288704752925},{"text":"So making sure that speaking to your accountant would be a good one and estimating the CDT tax based on any other deductions that you can have a look at to kind of reduce that as much as possible.","start":724.41003,"end":735.29004,"sentiment":"neutral","sentiment_score":0.11654969959113842}],"sentiment":"neutral","sentiment_score":0.056196177193510624,"num_words":126,"start":703.5,"end":735.29004},{"sentences":[{"text":"The other thing to sort of think about is whether you wanna sell that now or whether you wanna hold off until after the new CGT rules come into play.","start":735.29004,"end":744.215,"sentiment":"neutral","sentiment_score":-0.08026330942908923},{"text":"Because the other thing is, I don't know if you sort of had a look at, with all the new legislative changes going through.","start":744.215,"end":750.49005,"sentiment":"neutral","sentiment_score":-0.11436044704169035},{"text":"There is a change to capital gains tax as of the July 1 year.","start":750.49005,"end":755.79004,"sentiment":"neutral","sentiment_score":-0.06702889528657709},{"text":"Have you had a look at those rules or had an under have an understanding of what they mean?","start":756.41003,"end":761.29004,"sentiment":"neutral","sentiment_score":-0.10063785353773519},{"text":"Or yeah.","start":761.29004,"end":768.845,"sentiment":"neutral","sentiment_score":-0.1133500412106514}],"sentiment":"neutral","sentiment_score":-0.09246936905082692,"num_words":89,"start":735.29004,"end":768.845},{"sentences":[{"text":"No.","start":773.14496,"end":773.385,"sentiment":"neutral","sentiment_score":-0.157558411359787},{"text":"That's, yeah, that's absolutely fine.","start":773.385,"end":776.19,"sentiment":"neutral","sentiment_score":-0.1245144821703434},{"text":"Yeah.","start":777.20996,"end":777.70996,"sentiment":"neutral","sentiment_score":-0.0055054910480976105},{"text":"Yeah.","start":779.85,"end":780.32996,"sentiment":"neutral","sentiment_score":0.0021801311522722244},{"text":"So, essentially, what it means is there's gonna be two sort of capital gains rules that apply.","start":780.32996,"end":785.85,"sentiment":"neutral","sentiment_score":-0.0254092280725565}],"sentiment":"neutral","sentiment_score":-0.04861652237363159,"num_words":25,"start":773.14496,"end":785.85},{"sentences":[{"text":"There's the current rules, and then there's the newer rules as of the July 1.","start":785.85,"end":789.61,"sentiment":"neutral","sentiment_score":-0.01722224478920301},{"text":"So any investment property that you do own now, if you continue to hold up until, say, the June 30 year, will essentially, under the rules, be seen by the ATO as having been sold on the June 30 year and then repurchase back on the July 1.","start":789.61,"end":807.41003,"sentiment":"neutral","sentiment_score":0.010717293344593296},{"text":"So any capital gain you've received from the property from purchase date to the end of that of June next financial year will go under the current rules, which gives you the option of the 50% discount.","start":807.41003,"end":819.26495,"sentiment":"neutral","sentiment_score":0.06465425674577018},{"text":"Then after the July 1 next year, then they'll have a new rule.","start":819.32495,"end":824.44495,"sentiment":"neutral","sentiment_score":0.024564953664174445},{"text":"And they're essentially seeing you as holding the asset as you disposing of it on one day and then rebuying it back the next day.","start":824.44495,"end":830.52496,"sentiment":"neutral","sentiment_score":0.06962190017104149}],"sentiment":"neutral","sentiment_score":0.03411736094352344,"num_words":138,"start":785.85,"end":830.52496},{"sentences":[{"text":"You won't physically have to do any of that.","start":830.52496,"end":832.52496,"sentiment":"neutral","sentiment_score":0.05843909167581134},{"text":"It's just like an administrative thing.","start":832.52496,"end":834.68,"sentiment":"neutral","sentiment_score":0.03756787162274122},{"text":"So they can say, as of that, this is June 2027, up and you own the property from this date to here.","start":834.82,"end":841.96,"sentiment":"neutral","sentiment_score":0.06231859292496334},{"text":"That is all under the grandfathered tax or CGT rules.","start":842.18,"end":845.64,"sentiment":"neutral","sentiment_score":0.14949820712208747},{"text":"The new rules essentially means that when a property is sold, there's a whole fun math equation around doing it.","start":846.03503,"end":852.455,"sentiment":"neutral","sentiment_score":0.1035000964999199}],"sentiment":"neutral","sentiment_score":0.08488585224458531,"num_words":67,"start":830.52496,"end":852.455},{"sentences":[{"text":"But they the tax is a minimum of 30%, and that will apply from the July 1 next year until you dispose of the property then.","start":852.835,"end":861.41003,"sentiment":"neutral","sentiment_score":-0.0364164849026845},{"text":"So it means that when if you do keep the property longer and sell it after the July 1, your accountant has to take into account two different tax rules for different portions of the property.","start":861.41003,"end":872.31,"sentiment":"neutral","sentiment_score":-0.06306970047040118},{"text":"And they are suggesting people get properties evaluated around that time just to sort of see what the evaluations are to have a record keeping thing.","start":872.985,"end":881.885,"sentiment":"neutral","sentiment_score":0.12250087553491959},{"text":"So it's just sort of probably important once I get this research through that and I can pop that in the email for you as well.","start":882.34503,"end":888.5395,"sentiment":"neutral","sentiment_score":0.2673870256313911},{"text":"Just maybe have that conversation with your mom, look at whether it is worth selling it now or whether you wanna hold off.","start":888.5395,"end":894.33435,"sentiment":"neutral","sentiment_score":0.04640586560835009}],"sentiment":"neutral","sentiment_score":0.058299872371619633,"num_words":137,"start":852.835,"end":894.33435},{"sentences":[{"text":"You can also speak to your account and can get them to do, like, a mock mock tax return for you to sort of show you the estimated CGT might be, taking into account any deductions that they might know that you're able to assess.","start":894.33435,"end":907.945,"sentiment":"neutral","sentiment_score":0.33052734235922493},{"text":"That way, you can look at if you were to sell the property, is that gonna cover both the loans?","start":908.245,"end":913.465,"sentiment":"neutral","sentiment_score":0.20472819469869136},{"text":"Is it and how else do you how do you pay that tax?","start":913.765,"end":916.565,"sentiment":"neutral","sentiment_score":0.0908080110183129},{"text":"Is also gonna cover the tax bill that you might have based on that as well.","start":916.565,"end":920.54,"sentiment":"neutral","sentiment_score":0.1634639911353588},{"text":"Does that make sense?","start":920.76,"end":921.89996,"sentiment":"neutral","sentiment_score":0.08428666368126869}],"sentiment":"neutral","sentiment_score":0.23572825465579422,"num_words":98,"start":894.33435,"end":921.89996},{"sentences":[{"text":"Yeah.","start":924.04,"end":924.54,"sentiment":"neutral","sentiment_score":0.11717139929533003},{"text":"We we don't, yeah, we're not able to do evaluations on property.","start":927.96,"end":934.985,"sentiment":"neutral","sentiment_score":-0.183313158651193},{"text":"We're able to access research material for you and look at research around the property area, the address itself, and get growth rates and things because it's all part of the invest investment stuff.","start":934.985,"end":946.445,"sentiment":"neutral","sentiment_score":0.1415572126998621},{"text":"But you would need an actual valuer to go and do a proper valuation of the property.","start":947.12,"end":951.7,"sentiment":"neutral","sentiment_score":-0.14915011209600113},{"text":"There are probably companies in your area.","start":952.72,"end":954.88,"sentiment":"neutral","sentiment_score":0.011188273983342307}],"sentiment":"neutral","sentiment_score":0.003846827317291582,"num_words":71,"start":924.04,"end":954.88},{"sentences":[{"text":"I could maybe even Google a couple of different options for you, like places in your area to see if you maybe wanna contact them, find out what they might charge to do so, and sorta have that conversation with your mom to look at what your options are if you keep the property longer than, you know, the the June 30.","start":954.88,"end":970.385,"sentiment":"neutral","sentiment_score":0.11975483578299323},{"text":"Does that sound okay?","start":970.385,"end":971.445,"sentiment":"neutral","sentiment_score":0.14387739077210426},{"text":"Yep.","start":973.74506,"end":974.145,"sentiment":"positive","sentiment_score":0.4463574290275574},{"text":"Beautiful.","start":974.145,"end":974.625,"sentiment":"positive","sentiment_score":0.6648868322372437},{"text":"Trust me.","start":974.625,"end":975.10504,"sentiment":"positive","sentiment_score":0.37137405574321747}],"sentiment":"neutral","sentiment_score":0.14077573934836046,"num_words":70,"start":954.88,"end":975.10504},{"sentences":[{"text":"I'm in the same boat.","start":975.10504,"end":975.91003,"sentiment":"neutral","sentiment_score":0.14791543781757355},{"text":"I've got my investment property, and we're doing the same thing.","start":975.91003,"end":978.23,"sentiment":"neutral","sentiment_score":0.08994781361384825},{"text":"I was like, I said to my husband, guess what we're doing next year?","start":978.23,"end":981.13,"sentiment":"neutral","sentiment_score":0.038004010383571894},{"text":"But no.","start":984.07,"end":984.71,"sentiment":"neutral","sentiment_score":-0.059170568361878395},{"text":"There's there's you're right.","start":984.71,"end":985.91003,"sentiment":"neutral","sentiment_score":-0.041133538354188204}],"sentiment":"neutral","sentiment_score":0.05494955539082488,"num_words":36,"start":975.10504,"end":985.91003},{"sentences":[{"text":"Sorry.","start":985.91003,"end":986.23,"sentiment":"neutral","sentiment_score":-0.05511055514216423},{"text":"Yeah.","start":986.23,"end":986.73,"sentiment":"neutral","sentiment_score":0.011403001844882963},{"text":"Mhmm.","start":990.245,"end":990.745,"sentiment":"neutral","sentiment_score":0.008765307255089283},{"text":"Yeah.","start":1004.64496,"end":1005.045,"sentiment":"neutral","sentiment_score":0.015868695452809334},{"text":"So what they're gonna essentially do is they'll assume they it's a pay administrative thing where you've held the property from, say, 2016 up until June 30 next year.","start":1005.045,"end":1015.75,"sentiment":"neutral","sentiment_score":0.01357138362424127}],"sentiment":"neutral","sentiment_score":0.011348381045867096,"num_words":33,"start":985.91003,"end":1015.75},{"sentences":[{"text":"On paper, your accountant needs to note that that up until June 30, this was the at June 30, this was the value of the property.","start":1016.21,"end":1024.675,"sentiment":"neutral","sentiment_score":0.016026471598217122},{"text":"This is what you bought it for.","start":1024.815,"end":1026.255,"sentiment":"neutral","sentiment_score":0.056194767355918884},{"text":"This would essentially be the capital gains based on that time frame under the grandfathered, so current rules now.","start":1026.255,"end":1033.68,"sentiment":"neutral","sentiment_score":0.029199187104639254},{"text":"As of the July 1, they assume that you've they assume the new valuation of the property, which would be the value as of thirtieth of thirtieth of June next year.","start":1034.64,"end":1044.9801,"sentiment":"neutral","sentiment_score":0.014790112393036965},{"text":"And then from there onwards, you're under the new capital gains rules, and it just any gains from then onwards are under the new capital gains rules.","start":1045.28,"end":1055.415,"sentiment":"neutral","sentiment_score":0.03464085367266779}],"sentiment":"neutral","sentiment_score":0.025078479285267265,"num_words":110,"start":1016.21,"end":1055.415},{"sentences":[{"text":"So it essentially means that's exactly right.","start":1055.415,"end":1060.2151,"sentiment":"neutral","sentiment_score":0.08567934589726585},{"text":"Yeah.","start":1060.2151,"end":1060.4551,"sentiment":"neutral","sentiment_score":0.06014912575483322},{"text":"So it's a minimum of 30%.","start":1060.4551,"end":1062.135,"sentiment":"neutral","sentiment_score":0.027364765914777916},{"text":"And the way they have to work that out is when you do sell the property, they work out the your basically, your taxable income plus the CGT and work out what tax would be paid there.","start":1062.135,"end":1074.19,"sentiment":"neutral","sentiment_score":0.06288270813387793},{"text":"Then they have to do the secondary equation where it's your your income tax minus the without taking into effect the capital gains and then working out whether the difference, the CGT, is under 30 or over 30%.","start":1074.19,"end":1087.925,"sentiment":"neutral","sentiment_score":0.024069325250916575}],"sentiment":"neutral","sentiment_score":0.045678513516996345,"num_words":89,"start":1055.415,"end":1087.925},{"sentences":[{"text":"If it's over 30%, you'll probably get a refund.","start":1088.305,"end":1091.185,"sentiment":"neutral","sentiment_score":-0.031817393791344434},{"text":"If it's under 30%, then you've gotta pay a top up amount to cover that.","start":1091.185,"end":1094.865,"sentiment":"neutral","sentiment_score":-0.07264933933814367},{"text":"So it's unfortunately, accountants have a really, really terrible job ahead of them to work this stuff out, but there is a lot to do.","start":1094.865,"end":1103.76,"sentiment":"negative","sentiment_score":-0.5348949176073075},{"text":"And it's just about working out whether you sell the property now, whether it's what you guys wanna do, or whether you wanna hold on to it for a bit longer, or whether it has valued enough that you will cover both the loans and possibly the CGT consequences with that as well.","start":1104.06,"end":1118.625,"sentiment":"neutral","sentiment_score":-0.12458569640820881},{"text":"Does that make sense?","start":1118.625,"end":1119.765,"sentiment":"neutral","sentiment_score":0.02270729560405016}],"sentiment":"neutral","sentiment_score":-0.20057247454335667,"num_words":106,"start":1088.305,"end":1119.765},{"sentences":[{"text":"Yeah.","start":1125.2799,"end":1125.7799,"sentiment":"neutral","sentiment_score":0.02619997039437294},{"text":"Yeah.","start":1129.36,"end":1129.86,"sentiment":"neutral","sentiment_score":0.1754612177610397},{"text":"Yeah.","start":1129.9199,"end":1130.3999,"sentiment":"positive","sentiment_score":0.33944499492645264},{"text":"Beautiful.","start":1130.3999,"end":1130.8999,"sentiment":"positive","sentiment_score":0.636678159236908},{"text":"Not a problem.","start":1131.2,"end":1131.84,"sentiment":"positive","sentiment_score":0.5129191676775614}],"sentiment":"positive","sentiment_score":0.38807740647877964,"num_words":7,"start":1125.2799,"end":1131.84},{"sentences":[{"text":"Well, I'll start by getting that research material for you.","start":1131.84,"end":1134.735,"sentiment":"positive","sentiment_score":0.3413487434387207},{"text":"I'll email through and break down a bit of an email on what we've got the growth rates, the expected value, and the information in that so you have it.","start":1135.0549,"end":1142.835,"sentiment":"neutral","sentiment_score":0.3088851516445478},{"text":"And then you can definitely take that back, have a chat to your mom, look at what you guys wanna do.","start":1143.135,"end":1147.41,"sentiment":"positive","sentiment_score":0.42707371711730957},{"text":"If she would like to then discuss because I know in the email, one of the things was looking at helping to get her into retirement phase.","start":1147.81,"end":1157.0901,"sentiment":"neutral","sentiment_score":0.2046243123434208},{"text":"If she would like to then seek advice with you and look at the selling of the property, what we do with the funds on either side of it for each of you, getting her into retirement, then we can come back and have that conversation.","start":1157.0901,"end":1169.345,"sentiment":"neutral","sentiment_score":0.29831341295705543}],"sentiment":"neutral","sentiment_score":0.30519301098868695,"num_words":134,"start":1131.84,"end":1169.345},{"sentences":[{"text":"I can do an initial consultation with her and yourself if you'd like to as well, and we can always sort of look at your goals and look at what we do down the track.","start":1169.405,"end":1177.9299,"sentiment":"positive","sentiment_score":0.3827639366899218},{"text":"Does that sound okay?","start":1177.9299,"end":1179.1299,"sentiment":"neutral","sentiment_score":0.3184913471341133},{"text":"Does that make sense?","start":1179.1299,"end":1180.1699,"sentiment":"neutral","sentiment_score":0.21855446323752403},{"text":"Do you have further questions from that at all?","start":1180.1699,"end":1182.9099,"sentiment":"neutral","sentiment_score":0.21092190055383575},{"text":"Yeah?","start":1183.1299,"end":1183.6299,"sentiment":"neutral","sentiment_score":0.135795921087265}],"sentiment":"neutral","sentiment_score":0.3316795104095396,"num_words":53,"start":1169.405,"end":1183.6299},{"sentences":[{"text":"There is.","start":1192.9049,"end":1193.6449,"sentiment":"neutral","sentiment_score":0.033345745876431465},{"text":"You can utilize a downsize contribution.","start":1193.865,"end":1196.0449,"sentiment":"neutral","sentiment_score":0.047513155887524285},{"text":"However, it has to be on your main primary residence.","start":1196.505,"end":1199.245,"sentiment":"neutral","sentiment_score":-0.03994483184069395},{"text":"They don't allow the contributions for investment properties, but there are other contributions that we can definitely use.","start":1199.3049,"end":1206.39,"sentiment":"neutral","sentiment_score":0.07256142381164762},{"text":"So it's not the only way.","start":1206.39,"end":1207.85,"sentiment":"neutral","sentiment_score":0.060494909062981606}],"sentiment":"neutral","sentiment_score":0.038604695039490856,"num_words":42,"start":1192.9049,"end":1207.85},{"sentences":[{"text":"They also do allow for non concessional contributions, which are after tax contributions, very similar to a downsizer, but it's you know, you can use the proceeds from your investment property to put in there.","start":1208.23,"end":1219.745,"sentiment":"neutral","sentiment_score":0.08369325261030879},{"text":"That's a 100% of the proceeds are invested, which is great.","start":1220.605,"end":1224.3049,"sentiment":"positive","sentiment_score":0.48989287560636346},{"text":"Or if you guys sell the property this year and say because you're both earning an income, the CDT, you know, pushes you up or you're you need to maybe look at reducing CDT some way, we can also make, concessional contributions in and utilize maybe some, financial year caps or previous five financial years with the caps and things like that.","start":1224.925,"end":1245.9149,"sentiment":"neutral","sentiment_score":0.005804688519527835},{"text":"So there are other things that we can do, but the downsizer is primarily for having owned a main primary residence and selling that property.","start":1245.9149,"end":1254.5549,"sentiment":"neutral","sentiment_score":-0.06827236771583557},{"text":"They don't really allow you to use it for an investment, unfortunately.","start":1254.5549,"end":1257.2949,"sentiment":"negative","sentiment_score":-0.3820161198576291}],"sentiment":"neutral","sentiment_score":0.016461886414166155,"num_words":145,"start":1208.23,"end":1257.2949},{"sentences":[{"text":"Yeah.","start":1259.38,"end":1259.88,"sentiment":"neutral","sentiment_score":-0.06662631034851074},{"text":"Yeah.","start":1260.8201,"end":1261.3201,"sentiment":"neutral","sentiment_score":-0.02576098032295704},{"text":"That's that's okay.","start":1262.74,"end":1263.7001,"sentiment":"neutral","sentiment_score":-0.04557358411451181},{"text":"You're fine.","start":1263.7001,"end":1264.52,"sentiment":"neutral","sentiment_score":0.1410452499985695},{"text":"Mhmm.","start":1268.42,"end":1268.92,"sentiment":"neutral","sentiment_score":0.07166384905576706}],"sentiment":"neutral","sentiment_score":0.015580788254737854,"num_words":8,"start":1259.38,"end":1268.92},{"sentences":[{"text":"Yep.","start":1272.66,"end":1273.125,"sentiment":"neutral","sentiment_score":0.1212451159954071},{"text":"Yes.","start":1273.525,"end":1274.025,"sentiment":"neutral","sentiment_score":-0.03775566071271896},{"text":"Yeah.","start":1286.085,"end":1286.585,"sentiment":"neutral","sentiment_score":0.11673159897327424},{"text":"Yep.","start":1289.03,"end":1289.51,"sentiment":"neutral","sentiment_score":0.23525922000408173},{"text":"Yeah.","start":1289.51,"end":1289.91,"sentiment":"neutral","sentiment_score":0.23336493968963623}],"sentiment":"neutral","sentiment_score":0.13376904278993607,"num_words":5,"start":1272.66,"end":1289.91},{"sentences":[{"text":"So that's essentially what what we can do.","start":1289.91,"end":1292.55,"sentiment":"neutral","sentiment_score":0.3225994184613228},{"text":"There are other options available to her in retirement phase.","start":1292.7101,"end":1295.91,"sentiment":"neutral","sentiment_score":0.2772159203886986},{"text":"So we can also look at lifetime annuities.","start":1295.91,"end":1298.01,"sentiment":"neutral","sentiment_score":0.1932131750509143},{"text":"We can look at how to you know, the platform that you've got as well as as other platforms there, how funds are invested.","start":1298.55,"end":1304.455,"sentiment":"neutral","sentiment_score":0.19898873443404833},{"text":"Again, the same as with yourself.","start":1305.075,"end":1306.355,"sentiment":"neutral","sentiment_score":0.19227165232102075}],"sentiment":"neutral","sentiment_score":0.22907177664871728,"num_words":56,"start":1289.91,"end":1306.355},{"sentences":[{"text":"We look at the risk profiling and how we invest funds to try and get the most out of the income.","start":1306.355,"end":1311.4149,"sentiment":"neutral","sentiment_score":0.28696403333118986},{"text":"One of the biggest difference between your phase of life and hers is that you're taking on a bit more risk now because you're still accumulating your wealth.","start":1311.715,"end":1318.87,"sentiment":"neutral","sentiment_score":-0.1578295584768057},{"text":"Whereas your mom in that sort of phase is not wanting to take as much risk.","start":1319.01,"end":1322.53,"sentiment":"neutral","sentiment_score":-0.18571554264053702},{"text":"We don't wanna see large ups and downs in retirement phase.","start":1322.53,"end":1325.97,"sentiment":"neutral","sentiment_score":-0.16085322472182187},{"text":"We kinda wanna see it a bit smoother.","start":1325.97,"end":1327.9099,"sentiment":"neutral","sentiment_score":0.08792708488181233}],"sentiment":"neutral","sentiment_score":-0.028933338244401273,"num_words":84,"start":1306.355,"end":1327.9099},{"sentences":[{"text":"And because we're drawing income down, we wanna have investments that are also producing income so that we're essentially not taking as much of our capital and keeping as much of our capital invested as we can to give us longevity.","start":1328.305,"end":1341.605,"sentiment":"neutral","sentiment_score":0.08178585522421976},{"text":"But if that's something she would like to look at, I can email you after the call a copy of our financial services guide, which outlines who we are, what we do the services.","start":1342.54,"end":1351.74,"sentiment":"neutral","sentiment_score":0.14362985892769167},{"text":"We provide the fees, all the things that you can give to her.","start":1351.74,"end":1355.04,"sentiment":"neutral","sentiment_score":0.2506955243073977},{"text":"And then if you wanna come back and do a bit of an initial meeting or a conversation by Teams or however suits the two of you, we can do that together and sort of put a bit more out there about what her circumstances look like, what she's after, and sort of help to, you know, start the advice process for her.","start":1355.535,"end":1374.12,"sentiment":"neutral","sentiment_score":0.25192097917435663},{"text":"I try to sort of do things like that in more of their comfort level.","start":1374.5,"end":1377.7,"sentiment":"neutral","sentiment_score":0.29358228892087934}],"sentiment":"neutral","sentiment_score":0.1913881512381226,"num_words":166,"start":1328.305,"end":1377.7},{"sentences":[{"text":"I never want anyone to feel forced to come in and seek advice.","start":1377.7,"end":1380.84,"sentiment":"neutral","sentiment_score":0.07705958588765217},{"text":"So doing things slowly and within your mom's comfort level is absolutely really important.","start":1380.9,"end":1385.745,"sentiment":"positive","sentiment_score":0.5241774384464536},{"text":"But, yeah, if you want, I can absolutely email this financial services guide through.","start":1386.445,"end":1390.9249,"sentiment":"neutral","sentiment_score":0.2476909298981939},{"text":"I'll email you with just a recap of our conversation as well just to kind of in case you have additional questions that come back that you need answered, and then I'll go back and get that researched for you.","start":1390.9249,"end":1402.48,"sentiment":"neutral","sentiment_score":0.2515535669401288},{"text":"Does that sound fairly okay?","start":1402.48,"end":1404.58,"sentiment":"neutral","sentiment_score":0.17104865461587906}],"sentiment":"neutral","sentiment_score":0.2642478805121987,"num_words":86,"start":1377.7,"end":1404.58},{"sentences":[{"text":"Yep.","start":1405.36,"end":1405.86,"sentiment":"neutral","sentiment_score":0.217754065990448},{"text":"Yeah.","start":1413.2799,"end":1413.7799,"sentiment":"neutral","sentiment_score":0.16846615076065063},{"text":"Absolutely.","start":1414.505,"end":1415.005,"sentiment":"positive","sentiment_score":0.4801490902900696},{"text":"And that's the best one of the things about keeping it in the super system is that I mean, one of the biggest differences actually about keeping it in the super system is that the money you draw down is tax free.","start":1415.1449,"end":1427.28,"sentiment":"positive","sentiment_score":0.37245801978168036},{"text":"And when you're in pension phase, there's no CGT tax or income tax.","start":1427.28,"end":1431.04,"sentiment":"neutral","sentiment_score":0.12604819925931784}],"sentiment":"neutral","sentiment_score":0.31290056428004953,"num_words":58,"start":1405.36,"end":1431.04},{"sentences":[{"text":"Whereas if you were to take all that money out of the super system and put it into a bank account, they don't have those same tax effectiveness.","start":1431.04,"end":1438.66,"sentiment":"neutral","sentiment_score":-0.003106493103717055},{"text":"The money that you make from that savings account has to be considered for taxation purposes.","start":1439.36,"end":1444.3551,"sentiment":"neutral","sentiment_score":-0.042006269097328186},{"text":"And the money often doesn't make as much of a return as well.","start":1444.8151,"end":1448.175,"sentiment":"neutral","sentiment_score":-0.014562931484900989},{"text":"It doesn't keep up with, you know, CGT.","start":1448.175,"end":1450.5951,"sentiment":"neutral","sentiment_score":0.03056352399289608},{"text":"You also have a lot more access to that money.","start":1450.8151,"end":1452.8151,"sentiment":"neutral","sentiment_score":0.32485848367214204}],"sentiment":"neutral","sentiment_score":0.0339292374253273,"num_words":75,"start":1431.04,"end":1452.8151},{"sentences":[{"text":"It's easier to sort of draw on if you need it, so people tend to to burn through those funds a lot quicker as well.","start":1452.8151,"end":1459.25,"sentiment":"neutral","sentiment_score":0.30968944549560545},{"text":"So there are a lot of advantages to keeping it in the super system, and we have access, as I said, to rep platforms.","start":1459.25,"end":1465.19,"sentiment":"positive","sentiment_score":0.4176257171978553},{"text":"I also can advise on industry funds.","start":1465.25,"end":1467.65,"sentiment":"neutral","sentiment_score":0.29096266840185436},{"text":"We also have access to, like, annuities, lifetime annuities, and things.","start":1467.65,"end":1471.35,"sentiment":"neutral","sentiment_score":0.30108998851342633},{"text":"And I also do Centrelink advice as well.","start":1471.57,"end":1474.625,"sentiment":"neutral","sentiment_score":0.27578469074796885}],"sentiment":"positive","sentiment_score":0.3376034590477745,"num_words":75,"start":1452.8151,"end":1474.625},{"sentences":[{"text":"So we can incorporate Centrelink into things to show her what this looks like, how the draw downs work, how Centrelink can be incorporated, and the longevity she can get out of that.","start":1474.625,"end":1484.705,"sentiment":"neutral","sentiment_score":0.2946916945052869},{"text":"And then if we're looking at, you know, selling property and what to do with the funds, how to incorporate that into the whole strategy as a whole.","start":1484.705,"end":1492.03,"sentiment":"neutral","sentiment_score":0.18316999370498316},{"text":"So there's all those different aspects that we can certainly help her with, and it it sounds like it'd be something that you'd be you know, happy to be involved in to sorta help her along as well, and we're more than happy to incorporate those two of you into that if that's what you'd like to do.","start":1492.03,"end":1508.635,"sentiment":"positive","sentiment_score":0.5780244834464172},{"text":"Yeah.","start":1508.695,"end":1509.195,"sentiment":"neutral","sentiment_score":0.1760251522064209},{"text":"Fantastic.","start":1512.615,"end":1513.115,"sentiment":"positive","sentiment_score":0.6178959608078003}],"sentiment":"positive","sentiment_score":0.40638782558116043,"num_words":121,"start":1474.625,"end":1513.115},{"sentences":[{"text":"There's a lot to it.","start":1513.53,"end":1514.8301,"sentiment":"positive","sentiment_score":0.4054302930831909},{"text":"Sorry.","start":1515.37,"end":1515.53,"sentiment":"neutral","sentiment_score":0.02351458929479122},{"text":"Not everything's straightforward.","start":1515.53,"end":1516.67,"sentiment":"neutral","sentiment_score":0.011094260960817337},{"text":"But yeah.","start":1517.77,"end":1518.5901,"sentiment":"neutral","sentiment_score":0.06616441160440445},{"text":"Yeah.","start":1521.05,"end":1521.55,"sentiment":"neutral","sentiment_score":0.07877222448587418}],"sentiment":"neutral","sentiment_score":0.1912541571073234,"num_words":12,"start":1513.53,"end":1521.55},{"sentences":[{"text":"Absolutely.","start":1523.13,"end":1523.63,"sentiment":"neutral","sentiment_score":0.2487781047821045},{"text":"Perfect.","start":1526.0901,"end":1526.5701,"sentiment":"positive","sentiment_score":0.573834240436554},{"text":"Well, the the sleep of the retirement thing is really kinda close to home for me just because, you know, you guys work so hard.","start":1526.5701,"end":1532.505,"sentiment":"positive","sentiment_score":0.3715320014953613},{"text":"Everyone works so hard.","start":1532.505,"end":1533.785,"sentiment":"neutral","sentiment_score":0.28298984467983246},{"text":"We go to work.","start":1533.785,"end":1534.425,"sentiment":"neutral","sentiment_score":0.2629692703485489}],"sentiment":"positive","sentiment_score":0.3512785383633205,"num_words":35,"start":1523.13,"end":1534.425},{"sentences":[{"text":"We spend basically a whole lifetime at work.","start":1534.425,"end":1536.8251,"sentiment":"neutral","sentiment_score":0.29081614315509796},{"text":"So when we get to retirement, you wanna enjoy those years.","start":1536.8251,"end":1540.5851,"sentiment":"positive","sentiment_score":0.41017756136980926},{"text":"And one of the biggest things to take into consideration nowadays is that super wasn't a thing until the early nineties, and it's been gradually increasing over time.","start":1540.5851,"end":1549.61,"sentiment":"neutral","sentiment_score":0.12051170119749648},{"text":"So, you know, most people in your mom's stage and my mom's about to retire as well, and she has very little super, and we've been boosting it up as much as possible.","start":1549.61,"end":1558.565,"sentiment":"neutral","sentiment_score":0.12721012510133511},{"text":"But they don't have as much as you and I are gonna end up with when we get there.","start":1559.2649,"end":1563.2649,"sentiment":"neutral","sentiment_score":-0.029851786596210378}],"sentiment":"neutral","sentiment_score":0.1398339407763096,"num_words":99,"start":1534.425,"end":1563.2649},{"sentences":[{"text":"So it's about utilizing what we've been able to get, how we, you know, offset that with Centrelink and other ways and make the best of that So it gives them as much of a life as possible, and also as much longevity out of their money as possible.","start":1563.2649,"end":1577.5499,"sentiment":"positive","sentiment_score":0.3691823886973517},{"text":"Because when you think about retirement, most people spend between twenty to forty years.","start":1577.5499,"end":1582.19,"sentiment":"neutral","sentiment_score":0.0019387671990053995},{"text":"It's a whole another lifetime in retirement.","start":1582.19,"end":1584.165,"sentiment":"neutral","sentiment_score":-0.004382321344954627},{"text":"Aged care things to factor in as well.","start":1584.165,"end":1590.485,"sentiment":"neutral","sentiment_score":-0.05432345741428435},{"text":"So there's a lot there's a whole another, you know, a lifetime of events, of longevity, and of spending that needs to be accounted for in that time frame.","start":1590.485,"end":1601.2699,"sentiment":"neutral","sentiment_score":-0.03895833972713043}],"sentiment":"neutral","sentiment_score":0.15441143949664085,"num_words":107,"start":1563.2649,"end":1601.2699},{"sentences":[{"text":"So, you know, retirement is very much close to close to home for me a little bit.","start":1601.2699,"end":1606.0099,"sentiment":"neutral","sentiment_score":0.09390311907319461},{"text":"So if your mom's open to having that conversation, let me know.","start":1606.3099,"end":1609.19,"sentiment":"positive","sentiment_score":0.34706155955791473},{"text":"I'm happy to book in a time.","start":1609.19,"end":1612.9987,"sentiment":"positive","sentiment_score":0.6394204923084804},{"text":"We can do Teams or phone call, whatever suits you so she's more comfortable, and we can definitely go from there.","start":1612.9987,"end":1616.085,"sentiment":"positive","sentiment_score":0.4787835478782654},{"text":"And for the moment, I'll send the financial services guide through so you can give that to her, and she's welcome to have a look at that.","start":1616.085,"end":1622.325,"sentiment":"neutral","sentiment_score":0.3235853496525023}],"sentiment":"positive","sentiment_score":0.34557493013285456,"num_words":84,"start":1601.2699,"end":1622.325},{"sentences":[{"text":"And if you guys have additional questions, just email me, call me.","start":1622.325,"end":1626.26,"sentiment":"neutral","sentiment_score":0.18927519768476486},{"text":"You can ask anything you like, and I'll always make time to answer those questions for you.","start":1626.5599,"end":1630.96,"sentiment":"neutral","sentiment_score":0.20888648664250092},{"text":"Okay?","start":1630.96,"end":1631.46,"sentiment":"neutral","sentiment_score":0.1143423542380333},{"text":"Easy.","start":1634.4,"end":1634.88,"sentiment":"positive","sentiment_score":0.7140859365463257},{"text":"Thank you so much.","start":1634.88,"end":1635.76,"sentiment":"positive","sentiment_score":0.7760279029607773}],"sentiment":"neutral","sentiment_score":0.2787117870790618,"num_words":35,"start":1622.325,"end":1635.76},{"sentences":[{"text":"Is there any other questions that might have kinda come up for the moment there, Alex?","start":1635.76,"end":1639.355,"sentiment":"neutral","sentiment_score":0.1408032481558621},{"text":"Yep.","start":1645.0951,"end":1645.5951,"sentiment":"neutral","sentiment_score":0.0626724362373352},{"text":"Yep.","start":1649.43,"end":1649.93,"sentiment":"neutral","sentiment_score":0.05564333125948906},{"text":"Yep.","start":1651.9901,"end":1652.4901,"sentiment":"neutral","sentiment_score":0.02080061286687851},{"text":"Yep.","start":1658.87,"end":1659.37,"sentiment":"neutral","sentiment_score":0.05324074253439903}],"sentiment":"neutral","sentiment_score":0.12226045466959476,"num_words":20,"start":1635.76,"end":1659.37},{"sentences":[{"text":"Yep.","start":1659.75,"end":1660.25,"sentiment":"neutral","sentiment_score":0.048105206340551376},{"text":"No.","start":1660.31,"end":1660.4701,"sentiment":"neutral","sentiment_score":0.011778190732002258},{"text":"That's okay.","start":1660.4701,"end":1661.29,"sentiment":"neutral","sentiment_score":0.026397930458188057},{"text":"Absolutely.","start":1662.9501,"end":1663.4501,"sentiment":"neutral","sentiment_score":0.2308116853237152},{"text":"No.","start":1664.0701,"end":1664.55,"sentiment":"neutral","sentiment_score":0.17182841897010803}],"sentiment":"neutral","sentiment_score":0.08588656038045883,"num_words":6,"start":1659.75,"end":1664.55},{"sentences":[{"text":"Not a problem at all.","start":1664.55,"end":1665.855,"sentiment":"neutral","sentiment_score":0.26377218067646024},{"text":"Well, I'll start by getting this research for you.","start":1665.855,"end":1667.935,"sentiment":"neutral","sentiment_score":0.1916747060086992},{"text":"I'll send you an email shortly with the FSD and a recap of our conversation just going through the questions that you did ask, and then I'll get the research to you as soon as I'm able to grab that and complete for you.","start":1667.935,"end":1679.04,"sentiment":"neutral","sentiment_score":0.23606761477210306},{"text":"And then we can go from there.","start":1679.04,"end":1680.2401,"sentiment":"neutral","sentiment_score":0.1680389099887439},{"text":"If you have additional questions, come back and let me know, and we can have a look at, you know, where to go from there for you.","start":1680.2401,"end":1686.3201,"sentiment":"neutral","sentiment_score":0.1258565489616659}],"sentiment":"neutral","sentiment_score":0.19570986412303604,"num_words":92,"start":1664.55,"end":1686.3201},{"sentences":[{"text":"Okay?","start":1686.3201,"end":1686.8201,"sentiment":"neutral","sentiment_score":0.06837284564971924},{"text":"Easy.","start":1689.92,"end":1690.4,"sentiment":"positive","sentiment_score":0.48412567377090454},{"text":"Not a problem at all.","start":1690.4,"end":1691.68,"sentiment":"positive","sentiment_score":0.532268762588501},{"text":"I hope you have a good day.","start":1691.68,"end":1693.2001,"sentiment":"positive","sentiment_score":0.6338472366333008},{"text":"Are you working today?","start":1693.2001,"end":1696.555,"sentiment":"neutral","sentiment_score":0.14989746548235416}],"sentiment":"positive","sentiment_score":0.4583534917069806,"num_words":18,"start":1686.3201,"end":1696.555},{"sentences":[{"text":"Yep.","start":1696.555,"end":1696.955,"sentiment":"neutral","sentiment_score":0.1749868094921112},{"text":"Yep.","start":1696.955,"end":1697.275,"sentiment":"neutral","sentiment_score":0.2153727263212204},{"text":"Well, enjoy your day, and I hope you guys have a great weekend.","start":1697.275,"end":1699.835,"sentiment":"positive","sentiment_score":0.6896739647938654},{"text":"Do you got good weather at least?","start":1699.835,"end":1701.195,"sentiment":"neutral","sentiment_score":0.3231114319392613},{"text":"Is it nice and warm over there at the moment?","start":1701.195,"end":1703.135,"sentiment":"neutral","sentiment_score":0.2812328562140465}],"sentiment":"positive","sentiment_score":0.4509446769952774,"num_words":32,"start":1696.555,"end":1703.135},{"sentences":[{"text":"Oh, yuck.","start":1706.395,"end":1707.135,"sentiment":"neutral","sentiment_score":-0.15628020465373993},{"text":"Yeah.","start":1710.49,"end":1710.99,"sentiment":"neutral","sentiment_score":-0.03919791057705879},{"text":"Yeah.","start":1711.05,"end":1711.29,"sentiment":"neutral","sentiment_score":-0.03076425194740295},{"text":"No.","start":1711.29,"end":1711.53,"sentiment":"neutral","sentiment_score":-0.1004582941532135},{"text":"Look.","start":1711.53,"end":1711.93,"sentiment":"neutral","sentiment_score":-0.056452639400959015}],"sentiment":"neutral","sentiment_score":-0.08990558423101902,"num_words":6,"start":1706.395,"end":1711.93},{"sentences":[{"text":"Happily, it's not that cold here in Queensland, but you know?","start":1711.93,"end":1715.23,"sentiment":"neutral","sentiment_score":0.015914198180491276},{"text":"No.","start":1715.93,"end":1716.25,"sentiment":"neutral","sentiment_score":-0.11435508728027344},{"text":"All good.","start":1716.25,"end":1716.81,"sentiment":"neutral","sentiment_score":0.19021543115377426},{"text":"I like well, thank you so much for your time.","start":1716.81,"end":1718.49,"sentiment":"positive","sentiment_score":0.638494250178337},{"text":"I'll let you go because I know you are busy, and I'll start by getting those emails through to you, and we'll go from there.","start":1718.49,"end":1725.8215,"sentiment":"neutral","sentiment_score":0.2817485612630844}],"sentiment":"neutral","sentiment_score":0.28305690792598287,"num_words":49,"start":1711.93,"end":1725.8215},{"sentences":[{"text":"Okay?","start":1725.8215,"end":1726.1149,"sentiment":"neutral","sentiment_score":0.3238961696624756},{"text":"My pleasure.","start":1726.1149,"end":1726.835,"sentiment":"positive","sentiment_score":0.7023923695087433},{"text":"Talk to you soon.","start":1726.835,"end":1727.6349,"sentiment":"positive","sentiment_score":0.48057857900857925},{"text":"See you later.","start":1727.6349,"end":1728.2749,"sentiment":"positive","sentiment_score":0.3939819832642873},{"text":"Bye.","start":1728.2749,"end":1728.7749,"sentiment":"neutral","sentiment_score":-0.10518365353345872}],"sentiment":"positive","sentiment_score":0.42979613827033475,"num_words":11,"start":1725.8215,"end":1728.7749}]}}]},{"alternatives":[{"transcript":"Morning. Ellie speaking. Yeah. Good. How are you? Pretty busy, but pretty good. Yeah. Absolutely. Yeah. That's fine. Thirty first of the seventh thirty eight and nineteen Amanda Drive. No. I find it best not to. No. That's fine. Yeah. I'm I'm pretty sure I'm pretty sure those accounts, the way they're set up, we can only contribute. What is it? An extra 20%? Well mhmm. Yeah. So I think that's fine. Mhmm. Yeah. Maybe not just yet. But, yeah, that that's definitely something I'll be looking into. Yeah. That's fine. Yeah. So well, I said I wanted to save $30. I'm at 20 2.5 now. So we'll we'll yeah. It'll be pretty close. Just see how things play out, but I reckon we'll we'll get there hopefully by December, maybe January next year. Yeah. That's after I save up the emergency fund and that's done and dusted, and then we'll I'll put the money that I'm currently saving towards putting a little bit away for because it it I I think from the last it's obviously going up now, but I think last time you said it's about $5 to do the whole lot for both of us. Somewhere around that. Yep. Mhmm. Yeah. That's correct. And, basically, just looking at the property that we've got over there in Queensland and just having a look at it and just yeah. Because like I said, it's the first time we've done an investment property, and I don't know much. So if you guys can do an like, an assessment of it, is that something you can do? And just yep. Yeah. And just give basically, give us give me some feedback in terms of a learning experience, like, if it's a good property that we bought, how to, like, you know, how to analyze the figures because obviously there's a pay to play, which is the interest component of the property, then there's how to calculate inflation and actually see if the property has done well or if we've lost money on it, you know, that sort of thing. So if we do invest in the future as well, it's something that I know what to look for because it's not something we've done before. Yeah. If that if that makes sense. Yeah. That's right. And whether you know, if it's not performing that well, and we could probably you'll be better off just selling it, paying off, you know, the home loan on my mom's house and that sort of stuff instead of just, you know, ticking along with it and losing money on it. Or if we're making money, we're making money on it. That sort of thing. Yeah. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Yeah. That's that's spot on. Yep. Yep. So when we originally it was Unit 95307 Rate, Hanford Road in Taegham. But this place Hanford. Yeah. It's H A N D F O R D. Yep. In Taigum, T A I G u m. Yep. Yeah. And after after the development after they finished the development, because we bought it off the plan, it's being redone as 10 Radiant Street because they put the access road in. I have to look up the exact date for you. But okay. So we originally started talking about it in 2015, 2016. So pretty much ten years ago now. Yeah. So the plan was I think originally what we talked about is just to have the investment, let it grow, and then sell it and cover the mortgage of my mom's principal place of residence, which we also half own. And then mhmm. Yeah. And then split whatever we've got left over. So maybe put if we have anything left over, put half to my mom's what do you call it? Into, like, a super retirement fund and, yeah, obviously, half to myself, providing there's anything left over. But we're we've always sort of thought to look at at least getting to that stage where we'll cover both the mortgages. Yep. And then, yeah, just go from there. And, obviously, hopefully, before my mom looks looks to retire. Yeah. Still working full time. Mhmm. Yep. Have a vague understanding, but sorry. I've got a vague idea of what they are, but not quite an understanding of what they mean in a particular situation. So I think they've dropped to did it change to 33% or something? Mhmm. Mhmm. Mhmm. Yep. Nope. Nope. Nope. Okay. Yep. Mhmm. Yep. Mhmm. Yep. Yeah. It does. And would you be able to do the evaluation on our behalf if we don't sell it by the end of next year, or is that something we've got organized? Mhmm. Yep. Yep. That'd be great. Mhmm. Yeah. That sounds great. Yeah. So so just so I got this straight, so as of the end of June next year, how does that work? Do they just clear the slate and start again from whatever the current value of the property is, and then from that year onwards, they do the capital gains? Yep. Mhmm. Yep. Yeah. And that'll be done under the different different tax rate. Okay. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Yeah. So we we've got roughly about, what is it, ten months to evaluate it and sort of go from there. Mhmm. Mhmm. Yeah. Yeah. That sounds good. With the moving into retirement, is there like a like a downsizer clause for selling a property when you retire? Okay. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Okay. No. That's alright. And what is I have one more question. Hang on. Let me oh, so with my mom's super account, so I think she's just got whatever super she's got through her work. Now I know you've redone me into, like, a rep account, and I know that's a little bit easier to switch over into the retirement phase. So you still keep the, what do you call it, the lump sum invested and just live off the, I suppose, the drawdown of dividends. Is that what we sort of done? Mhmm. No. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Yeah. So mhmm. Mhmm. Yeah. That sounds good. Yeah. So we don't necessarily wanna just take everything out of my mom's sleep or put it into a savings account and just live off that. We still want it invested sort of thing. Mhmm. Mhmm. Mhmm. Yep. No. It sounds good. No. That that's fine. Yeah. No. I I realized that. And, yeah, that's why I sorta went to you guys for some advice because I know there's more than one way to do things. Mhmm. Mhmm. Not a problem. It sounds great. No. That's pretty much all I wanted to look at for the immediate future. Like I mentioned before, we'll probably look at doing something with Rachel's house and, like, eventually, in a few more years, we'll look at moving out and possibly upgrading to another property, but that's at least ten years down the track. Yep. That's after kids have finished high school. Mhmm. No worries. Thank you. Yeah. Yeah. Absolutely. It was, like, three degrees this morning, so I had to wash ice off my car. It was a bit chilly. Alright. Great. Thank you. Thanks for your time. Alright. See you later. Have a great day. 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Ellie speaking. Yeah. Good. How are you?\n\nPretty busy, but pretty good. Yeah. Absolutely. Yeah. That's fine.\n\nThirty first of the seventh thirty eight and nineteen Amanda Drive. No. I find it best not to. No. That's fine.\n\nYeah. I'm I'm pretty sure I'm pretty sure those accounts, the way they're set up, we can only contribute. What is it? An extra 20%? Well mhmm.\n\nYeah. So I think that's fine. Mhmm. Yeah. Maybe not just yet.\n\nBut, yeah, that that's definitely something I'll be looking into. Yeah. That's fine. Yeah. So well, I said I wanted to save $30.\n\nI'm at 20 2.5 now. So we'll we'll yeah. It'll be pretty close. Just see how things play out, but I reckon we'll we'll get there hopefully by December, maybe January next year. Yeah.\n\nThat's after I save up the emergency fund and that's done and dusted, and then we'll I'll put the money that I'm currently saving towards putting a little bit away for because it it I I think from the last it's obviously going up now, but I think last time you said it's about $5 to do the whole lot for both of us. Somewhere around that. Yep. Mhmm. Yeah.\n\nThat's correct. And, basically, just looking at the property that we've got over there in Queensland and just having a look at it and just yeah. Because like I said, it's the first time we've done an investment property, and I don't know much. So if you guys can do an like, an assessment of it, is that something you can do? And just yep.\n\nYeah. And just give basically, give us give me some feedback in terms of a learning experience, like, if it's a good property that we bought, how to, like, you know, how to analyze the figures because obviously there's a pay to play, which is the interest component of the property, then there's how to calculate inflation and actually see if the property has done well or if we've lost money on it, you know, that sort of thing. So if we do invest in the future as well, it's something that I know what to look for because it's not something we've done before. Yeah. If that if that makes sense.\n\nYeah. That's right. And whether you know, if it's not performing that well, and we could probably you'll be better off just selling it, paying off, you know, the home loan on my mom's house and that sort of stuff instead of just, you know, ticking along with it and losing money on it. Or if we're making money, we're making money on it. That sort of thing.\n\nYeah. Mhmm. Mhmm. Mhmm. Yep.\n\nMhmm. Yep. Mhmm. Yeah. That's that's spot on.\n\nYep. Yep. So when we originally it was Unit 95307 Rate, Hanford Road in Taegham. But this place Hanford. Yeah.\n\nIt's H A N D F O R D. Yep. In Taigum, T A I G u m. Yep. Yeah.\n\nAnd after after the development after they finished the development, because we bought it off the plan, it's being redone as 10 Radiant Street because they put the access road in. I have to look up the exact date for you. But okay. So we originally started talking about it in 2015, 2016. So pretty much ten years ago now.\n\nYeah. So the plan was I think originally what we talked about is just to have the investment, let it grow, and then sell it and cover the mortgage of my mom's principal place of residence, which we also half own. And then mhmm. Yeah. And then split whatever we've got left over.\n\nSo maybe put if we have anything left over, put half to my mom's what do you call it? Into, like, a super retirement fund and, yeah, obviously, half to myself, providing there's anything left over. But we're we've always sort of thought to look at at least getting to that stage where we'll cover both the mortgages. Yep. And then, yeah, just go from there.\n\nAnd, obviously, hopefully, before my mom looks looks to retire. Yeah. Still working full time. Mhmm. Yep.\n\nHave a vague understanding, but sorry. I've got a vague idea of what they are, but not quite an understanding of what they mean in a particular situation. So I think they've dropped to did it change to 33% or something? Mhmm. Mhmm.\n\nMhmm. Yep. Nope. Nope. Nope.\n\nOkay. Yep. Mhmm. Yep. Mhmm.\n\nYep. Yeah. It does. And would you be able to do the evaluation on our behalf if we don't sell it by the end of next year, or is that something we've got organized? Mhmm.\n\nYep. Yep. That'd be great. Mhmm. Yeah.\n\nThat sounds great. Yeah. So so just so I got this straight, so as of the end of June next year, how does that work? Do they just clear the slate and start again from whatever the current value of the property is, and then from that year onwards, they do the capital gains? Yep.\n\nMhmm. Yep. Yeah. And that'll be done under the different different tax rate. Okay.\n\nYep. Mhmm. Mhmm. Mhmm. Mhmm.\n\nOkay. Yeah. So we we've got roughly about, what is it, ten months to evaluate it and sort of go from there. Mhmm. Mhmm.\n\nYeah. Yeah. That sounds good. With the moving into retirement, is there like a like a downsizer clause for selling a property when you retire? Okay.\n\nMhmm. Mhmm. Mhmm. Yep. Mhmm.\n\nOkay. No. That's alright. And what is I have one more question. Hang on.\n\nLet me oh, so with my mom's super account, so I think she's just got whatever super she's got through her work. Now I know you've redone me into, like, a rep account, and I know that's a little bit easier to switch over into the retirement phase. So you still keep the, what do you call it, the lump sum invested and just live off the, I suppose, the drawdown of dividends. Is that what we sort of done? Mhmm.\n\nNo. Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Mhmm. Mhmm. Yeah. So mhmm.\n\nMhmm. Yeah. That sounds good. Yeah. So we don't necessarily wanna just take everything out of my mom's sleep or put it into a savings account and just live off that.\n\nWe still want it invested sort of thing. Mhmm. Mhmm. Mhmm. Yep.\n\nNo. It sounds good. No. That that's fine. Yeah.\n\nNo. I I realized that. And, yeah, that's why I sorta went to you guys for some advice because I know there's more than one way to do things. Mhmm. Mhmm.\n\nNot a problem. It sounds great. No. That's pretty much all I wanted to look at for the immediate future. Like I mentioned before, we'll probably look at doing something with Rachel's house and, like, eventually, in a few more years, we'll look at moving out and possibly upgrading to another property, but that's at least ten years down the track.\n\nYep. That's after kids have finished high school. Mhmm. No worries. Thank you.\n\nYeah. Yeah. Absolutely. It was, like, three degrees this morning, so I had to wash ice off my car. It was a bit chilly.\n\nAlright. Great. Thank you. Thanks for your time. Alright.\n\nSee you later. Have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.03498848155140877},{"text":"Ellie speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.0328198978677392},{"text":"Yeah.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.17176766693592072},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.337282657623291},{"text":"How are you?","start":7.12,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.23710675537586212}],"sentiment":"neutral","sentiment_score":0.16512485849671066,"num_words":8,"start":0.96,"end":7.8599997},{"sentences":[{"text":"Pretty busy, but pretty 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mhmm.","start":171.165,"end":176.625,"sentiment":"neutral","sentiment_score":0.024328636936843395}],"sentiment":"neutral","sentiment_score":0.03497046356399854,"num_words":27,"start":163.33,"end":176.625},{"sentences":[{"text":"Yeah.","start":177.72499,"end":178.045,"sentiment":"neutral","sentiment_score":0.022412024438381195},{"text":"So I think that's fine.","start":178.045,"end":179.505,"sentiment":"neutral","sentiment_score":0.04487540051341057},{"text":"Mhmm.","start":227.895,"end":228.395,"sentiment":"neutral","sentiment_score":-0.015122108161449432},{"text":"Yeah.","start":230.455,"end":230.935,"sentiment":"neutral","sentiment_score":-0.016792606562376022},{"text":"Maybe not just yet.","start":230.935,"end":231.96,"sentiment":"neutral","sentiment_score":-0.0662521319463849}],"sentiment":"neutral","sentiment_score":-0.004177851291994254,"num_words":12,"start":177.72499,"end":231.96},{"sentences":[{"text":"But, yeah, that that's definitely something I'll be looking into.","start":232.84001,"end":235.58,"sentiment":"neutral","sentiment_score":0.006134477118030191},{"text":"Yeah.","start":251.49501,"end":251.735,"sentiment":"neutral","sentiment_score":0.11106067150831224},{"text":"That's fine.","start":251.735,"end":252.475,"sentiment":"neutral","sentiment_score":0.20605337619781494},{"text":"Yeah.","start":270.83,"end":271.15,"sentiment":"neutral","sentiment_score":0.04735839366912842},{"text":"So well, I said I wanted to save $30.","start":271.15,"end":273.49,"sentiment":"neutral","sentiment_score":0.07740016322996882}],"sentiment":"neutral","sentiment_score":0.05775965468796051,"num_words":23,"start":232.84001,"end":273.49},{"sentences":[{"text":"I'm at 20 2.5 now.","start":273.525,"end":275.38498,"sentiment":"neutral","sentiment_score":0.0556789368391037},{"text":"So we'll we'll yeah.","start":277.205,"end":279.225,"sentiment":"neutral","sentiment_score":0.22363702952861786},{"text":"It'll be pretty close.","start":279.365,"end":280.485,"sentiment":"neutral","sentiment_score":0.16883406788110733},{"text":"Just see how things play out, but I reckon we'll we'll get there hopefully by December, maybe January next year.","start":280.485,"end":286.66498,"sentiment":"neutral","sentiment_score":0.141165254637599},{"text":"Yeah.","start":304.675,"end":304.995,"sentiment":"neutral","sentiment_score":-0.011423702351748943}],"sentiment":"neutral","sentiment_score":0.137063543065725,"num_words":34,"start":273.525,"end":304.995},{"sentences":[{"text":"That's after I save up the emergency fund and that's done and dusted, and then we'll I'll put the money that I'm currently saving towards putting a little bit away for because it it I I think from the last it's obviously going up now, but I think last time you said it's about $5 to do the whole lot for both of us.","start":304.995,"end":321.21002,"sentiment":"neutral","sentiment_score":0.1655672249617055},{"text":"Somewhere around that.","start":322.87003,"end":324.09003,"sentiment":"neutral","sentiment_score":-0.0064276934911807375},{"text":"Yep.","start":346.14,"end":346.64,"sentiment":"neutral","sentiment_score":0.1041450947523117},{"text":"Mhmm.","start":346.94,"end":347.26,"sentiment":"neutral","sentiment_score":0.0783335343003273},{"text":"Yeah.","start":347.26,"end":347.5,"sentiment":"neutral","sentiment_score":0.11800701916217804}],"sentiment":"neutral","sentiment_score":0.15539292807557753,"num_words":70,"start":304.995,"end":347.5},{"sentences":[{"text":"That's correct.","start":347.5,"end":348.16,"sentiment":"neutral","sentiment_score":0.1991393342614174},{"text":"And, basically, just looking at the property that we've got over there in Queensland and just having a look at it and just yeah.","start":348.78,"end":355.155,"sentiment":"neutral","sentiment_score":0.30578049334386986},{"text":"Because like I said, it's the first time we've done an investment property, and I don't know much.","start":355.155,"end":359.095,"sentiment":"neutral","sentiment_score":0.03663981995648808},{"text":"So if you guys can do an like, an assessment of it, is that something you can do?","start":359.475,"end":365.735,"sentiment":"neutral","sentiment_score":0.0478520103626781},{"text":"And just yep.","start":366.435,"end":370.74,"sentiment":"neutral","sentiment_score":0.014207017297546068}],"sentiment":"neutral","sentiment_score":0.1430843770217437,"num_words":65,"start":347.5,"end":370.74},{"sentences":[{"text":"Yeah.","start":376.47998,"end":376.8,"sentiment":"neutral","sentiment_score":0.050231270492076874},{"text":"And just give basically, give us give me some feedback in terms of a learning experience, like, if it's a good property that we bought, how to, like, you know, how to analyze the figures because obviously there's a pay to play, which is the interest component of the property, then there's how to calculate inflation and actually see if the property has done well or if we've lost money on it, you know, that sort of thing.","start":376.8,"end":395.715,"sentiment":"neutral","sentiment_score":0.1306327165892491},{"text":"So if we do invest in the future as well, it's something that I know what to look for because it's not something we've done before.","start":395.715,"end":402.53998,"sentiment":"neutral","sentiment_score":0.03880913870838972},{"text":"Yeah.","start":402.68,"end":402.91998,"sentiment":"neutral","sentiment_score":0.07928536087274551},{"text":"If that if that makes sense.","start":402.91998,"end":404.37997,"sentiment":"neutral","sentiment_score":0.1162161889175574}],"sentiment":"neutral","sentiment_score":0.10736788629687258,"num_words":112,"start":376.47998,"end":404.37997},{"sentences":[{"text":"Yeah.","start":415.895,"end":416.215,"sentiment":"neutral","sentiment_score":0.03369349241256714},{"text":"That's right.","start":416.215,"end":416.775,"sentiment":"neutral","sentiment_score":0.04215108975768089},{"text":"And whether you know, if it's not performing that well, and we could probably you'll be better off just selling it, paying off, you know, the home loan on my mom's house and that sort of stuff instead of just, you know, ticking along with it and losing money on it.","start":416.775,"end":430.28998,"sentiment":"negative","sentiment_score":-0.39664312788084444},{"text":"Or if we're making money, we're making money on it.","start":430.28998,"end":432.78998,"sentiment":"neutral","sentiment_score":-0.16456176042556764},{"text":"That sort of 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that's spot on.","start":496.195,"end":498.11502,"sentiment":"neutral","sentiment_score":0.02804188383743167}],"sentiment":"neutral","sentiment_score":0.02302969766105889,"num_words":8,"start":473.28497,"end":498.11502},{"sentences":[{"text":"Yep.","start":498.11502,"end":498.61502,"sentiment":"neutral","sentiment_score":0.044811926782131195},{"text":"Yep.","start":510.75,"end":511.07,"sentiment":"neutral","sentiment_score":0.054909221827983856},{"text":"So when we originally it was Unit 95307 Rate, Hanford Road in Taegham.","start":511.07,"end":517.25,"sentiment":"neutral","sentiment_score":0.012045745737850666},{"text":"But this place Hanford.","start":519.495,"end":521.835,"sentiment":"neutral","sentiment_score":-0.010735337506048381},{"text":"Yeah.","start":522.855,"end":523.09503,"sentiment":"neutral","sentiment_score":0.011977475136518478}],"sentiment":"neutral","sentiment_score":0.011267598415724934,"num_words":20,"start":498.11502,"end":523.09503},{"sentences":[{"text":"It's H A N D F O R D.","start":523.09503,"end":527.59503,"sentiment":"neutral","sentiment_score":0.015564735357960066},{"text":"Yep.","start":533.15,"end":533.47003,"sentiment":"neutral","sentiment_score":0.03424721583724022},{"text":"In Taigum, T A I G u m.","start":533.47003,"end":539.49,"sentiment":"neutral","sentiment_score":0.017568714858498424},{"text":"Yep.","start":542.83,"end":543.33,"sentiment":"neutral","sentiment_score":0.03024337813258171},{"text":"Yeah.","start":547.63,"end":548.03,"sentiment":"neutral","sentiment_score":0.12125777453184128}],"sentiment":"neutral","sentiment_score":0.02331903527956456,"num_words":20,"start":523.09503,"end":548.03},{"sentences":[{"text":"And after after the development after they finished the development, because we bought it off the plan, it's being redone as 10 Radiant Street because they put the access road in.","start":548.03,"end":558.90497,"sentiment":"neutral","sentiment_score":0.017190673088114106},{"text":"I have to look up the exact date for you.","start":572.61,"end":575.02997,"sentiment":"neutral","sentiment_score":-0.04239182882010937},{"text":"But okay.","start":575.49,"end":588.98505,"sentiment":"neutral","sentiment_score":-0.014216756913810968},{"text":"So we originally started talking about it in 2015, 2016.","start":594.1,"end":597.8,"sentiment":"neutral","sentiment_score":0.005116860568523407},{"text":"So pretty much ten years ago now.","start":598.33997,"end":600.51996,"sentiment":"neutral","sentiment_score":0.001958149751382215}],"sentiment":"neutral","sentiment_score":0.0024239119607955216,"num_words":60,"start":548.03,"end":600.51996},{"sentences":[{"text":"Yeah.","start":622.33997,"end":622.82,"sentiment":"neutral","sentiment_score":0.032843198627233505},{"text":"So the plan was I think originally what we talked about is just to have the investment, let it grow, and then sell it and cover the mortgage of my mom's principal place of residence, which we also half 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something?","start":774.885,"end":779.145,"sentiment":"neutral","sentiment_score":-0.0412525600538804},{"text":"Mhmm.","start":785.81,"end":786.31,"sentiment":"neutral","sentiment_score":-0.007070724852383137},{"text":"Mhmm.","start":820.415,"end":820.915,"sentiment":"neutral","sentiment_score":0.02854827046394348}],"sentiment":"neutral","sentiment_score":-0.11670210231961899,"num_words":43,"start":765.685,"end":820.915},{"sentences":[{"text":"Mhmm.","start":827.39,"end":827.89,"sentiment":"neutral","sentiment_score":0.03598044067621231},{"text":"Yep.","start":841.71,"end":841.935,"sentiment":"neutral","sentiment_score":0.15323936939239502},{"text":"Nope.","start":847.855,"end":848.355,"sentiment":"neutral","sentiment_score":-0.08171645551919937},{"text":"Nope.","start":865.23004,"end":865.73004,"sentiment":"neutral","sentiment_score":-0.06387116760015488},{"text":"Nope.","start":866.59,"end":866.955,"sentiment":"neutral","sentiment_score":-0.24464905261993408}],"sentiment":"neutral","sentiment_score":-0.0402033731341362,"num_words":5,"start":827.39,"end":866.955},{"sentences":[{"text":"Okay.","start":873.03503,"end":873.53503,"sentiment":"neutral","sentiment_score":0.05563729256391525},{"text":"Yep.","start":879.49,"end":879.99,"sentiment":"neutral","sentiment_score":0.1734813153743744},{"text":"Mhmm.","start":891.33,"end":891.83,"sentiment":"neutral","sentiment_score":-0.007614471018314362},{"text":"Yep.","start":894.13,"end":894.435,"sentiment":"neutral","sentiment_score":0.26109400391578674},{"text":"Mhmm.","start":920.67,"end":921.17,"sentiment":"neutral","sentiment_score":0.05636734887957573}],"sentiment":"neutral","sentiment_score":0.10779309794306755,"num_words":5,"start":873.03503,"end":921.17},{"sentences":[{"text":"Yep.","start":921.23,"end":921.73,"sentiment":"neutral","sentiment_score":0.07017337530851364},{"text":"Yeah.","start":922.35,"end":922.67,"sentiment":"neutral","sentiment_score":0.2663194239139557},{"text":"It 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we we've got roughly about, what is it, ten months to evaluate it and sort of go from there.","start":1121.045,"end":1128.75,"sentiment":"neutral","sentiment_score":0.031919159926474094},{"text":"Mhmm.","start":1147.965,"end":1148.465,"sentiment":"neutral","sentiment_score":0.13847103714942932},{"text":"Mhmm.","start":1180.085,"end":1180.585,"sentiment":"neutral","sentiment_score":0.03387590870261192}],"sentiment":"neutral","sentiment_score":0.03685736749321222,"num_words":24,"start":1119.285,"end":1180.585},{"sentences":[{"text":"Yeah.","start":1181.125,"end":1181.365,"sentiment":"neutral","sentiment_score":0.04779263585805893},{"text":"Yeah.","start":1181.365,"end":1181.6849,"sentiment":"neutral","sentiment_score":0.25661858916282654},{"text":"That sounds good.","start":1181.6849,"end":1182.63,"sentiment":"positive","sentiment_score":0.4818712870279948},{"text":"With the moving into retirement, is there like a like a downsizer clause for selling a property when you retire?","start":1184.55,"end":1191.93,"sentiment":"neutral","sentiment_score":0.01688296959619038},{"text":"Okay.","start":1199.845,"end":1200.345,"sentiment":"neutral","sentiment_score":-0.024394063279032707}],"sentiment":"neutral","sentiment_score":0.0793573236442171,"num_words":26,"start":1181.125,"end":1200.345},{"sentences":[{"text":"Mhmm.","start":1203.2051,"end":1203.7051,"sentiment":"neutral","sentiment_score":0.017786838114261627},{"text":"Mhmm.","start":1214.1,"end":1214.6,"sentiment":"neutral","sentiment_score":0.05856280028820038},{"text":"Mhmm.","start":1220.895,"end":1221.395,"sentiment":"neutral","sentiment_score":0.3074904978275299},{"text":"Yep.","start":1224.9751,"end":1225.4751,"sentiment":"neutral","sentiment_score":0.14081786572933197},{"text":"Mhmm.","start":1257.8849,"end":1258.205,"sentiment":"neutral","sentiment_score":-0.041677676141262054}],"sentiment":"neutral","sentiment_score":0.09659606516361237,"num_words":5,"start":1203.2051,"end":1258.205},{"sentences":[{"text":"Okay.","start":1258.205,"end":1258.705,"sentiment":"neutral","sentiment_score":-0.04532730206847191},{"text":"No.","start":1259.12,"end":1259.28,"sentiment":"neutral","sentiment_score":-0.13266703486442566},{"text":"That's alright.","start":1259.28,"end":1260.02,"sentiment":"neutral","sentiment_score":-0.05349621875211596},{"text":"And what is I have one more question.","start":1260.7201,"end":1262.98,"sentiment":"neutral","sentiment_score":-0.06518085300922394},{"text":"Hang on.","start":1263.04,"end":1263.52,"sentiment":"neutral","sentiment_score":-0.08323097229003906}],"sentiment":"neutral","sentiment_score":-0.06949253879221422,"num_words":14,"start":1258.205,"end":1263.52},{"sentences":[{"text":"Let me oh, so with my mom's super account, so I think she's just got whatever super she's got through her work.","start":1263.52,"end":1272.1001,"sentiment":"neutral","sentiment_score":0.12450289023532109},{"text":"Now I know you've redone me into, like, a rep account, and I know that's a little bit easier to switch over into the retirement phase.","start":1273.085,"end":1279.165,"sentiment":"neutral","sentiment_score":0.11741861314154588},{"text":"So you still keep the, what do you call it, the lump sum invested and just live off the, I suppose, the drawdown of dividends.","start":1279.165,"end":1285.8,"sentiment":"neutral","sentiment_score":0.19639829486608507},{"text":"Is that what we sort of done?","start":1287.24,"end":1288.7001,"sentiment":"neutral","sentiment_score":0.1391011763896261},{"text":"Mhmm.","start":1297.0801,"end":1297.3301,"sentiment":"neutral","sentiment_score":0.16490666568279266}],"sentiment":"neutral","sentiment_score":0.14617925677678467,"num_words":81,"start":1263.52,"end":1297.3301},{"sentences":[{"text":"No.","start":1297.3301,"end":1297.815,"sentiment":"neutral","sentiment_score":0.11357150971889496},{"text":"Mhmm.","start":1312.1349,"end":1312.47,"sentiment":"neutral","sentiment_score":-0.060455258935689926},{"text":"Mhmm.","start":1319.59,"end":1320.09,"sentiment":"neutral","sentiment_score":-0.08823946118354797},{"text":"Yep.","start":1330.325,"end":1330.825,"sentiment":"neutral","sentiment_score":0.175957053899765},{"text":"Mhmm.","start":1334.165,"end":1334.665,"sentiment":"neutral","sentiment_score":0.08450128138065338}],"sentiment":"neutral","sentiment_score":0.045067024976015085,"num_words":5,"start":1297.3301,"end":1334.665},{"sentences":[{"text":"Yep.","start":1342.9,"end":1343.4,"sentiment":"neutral","sentiment_score":0.07147456705570221},{"text":"Mhmm.","start":1355.555,"end":1356.055,"sentiment":"neutral","sentiment_score":0.13175751268863678},{"text":"Mhmm.","start":1374.6901,"end":1375.095,"sentiment":"neutral","sentiment_score":0.05706389993429184},{"text":"Yeah.","start":1387.095,"end":1387.4149,"sentiment":"neutral","sentiment_score":0.060480330139398575},{"text":"So mhmm.","start":1387.4149,"end":1398.7401,"sentiment":"neutral","sentiment_score":0.1655687391757965}],"sentiment":"neutral","sentiment_score":0.10865229802827041,"num_words":6,"start":1342.9,"end":1398.7401},{"sentences":[{"text":"Mhmm.","start":1399.52,"end":1400.02,"sentiment":"neutral","sentiment_score":0.09528961032629012},{"text":"Yeah.","start":1403.12,"end":1403.355,"sentiment":"neutral","sentiment_score":0.1537163257598877},{"text":"That sounds good.","start":1403.835,"end":1404.895,"sentiment":"neutral","sentiment_score":0.30364978810151416},{"text":"Yeah.","start":1405.035,"end":1405.275,"sentiment":"neutral","sentiment_score":0.23709550499916077},{"text":"So we don't necessarily wanna just take everything out of my mom's sleep or put it into a savings account and just live off that.","start":1405.275,"end":1410.815,"sentiment":"neutral","sentiment_score":0.030984928011894227}],"sentiment":"neutral","sentiment_score":0.07005400018345925,"num_words":31,"start":1399.52,"end":1410.815},{"sentences":[{"text":"We still want it invested sort of thing.","start":1410.875,"end":1414.015,"sentiment":"neutral","sentiment_score":0.17199966497719288},{"text":"Mhmm.","start":1436.265,"end":1436.765,"sentiment":"neutral","sentiment_score":0.014637358486652374},{"text":"Mhmm.","start":1459.7799,"end":1460.085,"sentiment":"neutral","sentiment_score":0.3101886510848999},{"text":"Mhmm.","start":1485.24,"end":1485.74,"sentiment":"neutral","sentiment_score":0.16329866647720337},{"text":"Yep.","start":1509.75,"end":1510.25,"sentiment":"neutral","sentiment_score":0.19532255828380585}],"sentiment":"neutral","sentiment_score":0.17162037951250872,"num_words":12,"start":1410.875,"end":1510.25},{"sentences":[{"text":"No.","start":1511.225,"end":1511.305,"sentiment":"neutral","sentiment_score":0.2181027829647064},{"text":"It sounds good.","start":1511.305,"end":1512.125,"sentiment":"positive","sentiment_score":0.42239364981651306},{"text":"No.","start":1515.865,"end":1516.265,"sentiment":"neutral","sentiment_score":0.006825566291809082},{"text":"That that's fine.","start":1516.265,"end":1517.405,"sentiment":"neutral","sentiment_score":0.09527879456679027},{"text":"Yeah.","start":1517.865,"end":1518.185,"sentiment":"neutral","sentiment_score":0.07126323878765106}],"sentiment":"neutral","sentiment_score":0.20546765791045296,"num_words":9,"start":1511.225,"end":1518.185},{"sentences":[{"text":"No.","start":1518.185,"end":1518.585,"sentiment":"neutral","sentiment_score":0.025508474558591843},{"text":"I I realized that.","start":1518.585,"end":1519.785,"sentiment":"neutral","sentiment_score":0.02458249405026436},{"text":"And, yeah, that's why I sorta went to you guys for some advice because I know there's more than one way to do things.","start":1519.785,"end":1525.5,"sentiment":"neutral","sentiment_score":0.1405405344751974},{"text":"Mhmm.","start":1564.4099,"end":1564.575,"sentiment":"neutral","sentiment_score":0.1763755977153778},{"text":"Mhmm.","start":1591.15,"end":1591.485,"sentiment":"neutral","sentiment_score":-0.010641573928296566}],"sentiment":"neutral","sentiment_score":0.11814662264359574,"num_words":31,"start":1518.185,"end":1591.485},{"sentences":[{"text":"Not a problem.","start":1632.45,"end":1633.1699,"sentiment":"positive","sentiment_score":0.40328242381413776},{"text":"It sounds great.","start":1633.1699,"end":1634.07,"sentiment":"positive","sentiment_score":0.6879173914591471},{"text":"No.","start":1640.77,"end":1641.01,"sentiment":"neutral","sentiment_score":0.005230996757745743},{"text":"That's pretty much all I wanted to look at for the immediate future.","start":1641.01,"end":1644.5499,"sentiment":"neutral","sentiment_score":0.03771765157580376},{"text":"Like I mentioned before, we'll probably look at doing something with Rachel's house and, like, eventually, in a few more years, we'll look at moving out and possibly upgrading to another property, but that's at least ten years down the track.","start":1645.01,"end":1658.97,"sentiment":"neutral","sentiment_score":0.03557247127883318}],"sentiment":"neutral","sentiment_score":0.08569887271303622,"num_words":61,"start":1632.45,"end":1658.97},{"sentences":[{"text":"Yep.","start":1660.01,"end":1660.33,"sentiment":"neutral","sentiment_score":0.04659560322761536},{"text":"That's after kids have finished high school.","start":1660.33,"end":1662.35,"sentiment":"neutral","sentiment_score":0.03877864166029862},{"text":"Mhmm.","start":1686.63,"end":1687.13,"sentiment":"neutral","sentiment_score":0.058758899569511414},{"text":"No worries.","start":1688.23,"end":1688.79,"sentiment":"neutral","sentiment_score":0.27662962675094604},{"text":"Thank you.","start":1688.79,"end":1689.53,"sentiment":"positive","sentiment_score":0.625361442565918}],"sentiment":"neutral","sentiment_score":0.1677528563886881,"num_words":13,"start":1660.01,"end":1689.53},{"sentences":[{"text":"Yeah.","start":1694.87,"end":1695.11,"sentiment":"neutral","sentiment_score":0.1832421123981476},{"text":"Yeah.","start":1695.11,"end":1695.35,"sentiment":"neutral","sentiment_score":0.18299800157546997},{"text":"Absolutely.","start":1695.35,"end":1695.85,"sentiment":"neutral","sentiment_score":0.20714442431926727},{"text":"It was, like, three degrees this morning, so I had to wash ice off my car.","start":1703.925,"end":1708.585,"sentiment":"neutral","sentiment_score":-0.12545232858974487},{"text":"It was a bit chilly.","start":1708.805,"end":1710.025,"sentiment":"neutral","sentiment_score":-0.2399514228105545}],"sentiment":"neutral","sentiment_score":-0.10973374304982524,"num_words":24,"start":1694.87,"end":1710.025},{"sentences":[{"text":"Alright.","start":1724.1,"end":1724.26,"sentiment":"neutral","sentiment_score":0.31425583362579346},{"text":"Great.","start":1724.26,"end":1724.5,"sentiment":"positive","sentiment_score":0.7715147137641907},{"text":"Thank you.","start":1724.5,"end":1724.9,"sentiment":"positive","sentiment_score":0.7261035144329071},{"text":"Thanks for your time.","start":1724.9,"end":1725.78,"sentiment":"positive","sentiment_score":0.6830100119113922},{"text":"Alright.","start":1725.78,"end":1726.28,"sentiment":"positive","sentiment_score":0.34017953276634216}],"sentiment":"positive","sentiment_score":0.6233552396297455,"num_words":9,"start":1724.1,"end":1726.28},{"sentences":[{"text":"See you later.","start":1726.5801,"end":1727.3,"sentiment":"positive","sentiment_score":0.5471877157688141},{"text":"Have a great day.","start":1727.3,"end":1728.18,"sentiment":"positive","sentiment_score":0.5577903687953949},{"text":"Bye.","start":1728.18,"end":1728.68,"sentiment":"neutral","sentiment_score":0.1929064244031906}],"sentiment":"positive","sentiment_score":0.5082038808614016,"num_words":8,"start":1726.5801,"end":1728.68}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Morning. Ellie speaking.\n\nChannel 0: Hi, Aleck. It's Dana from OkuFinder Huntail. How are you this morning?\n\nChannel 1: Yeah. Good. How are you?\n\nChannel 0: I'm very well. Thank you. How's your morning been so far?\n\nChannel 1: Pretty busy, but\n\nChannel 0: Yeah?\n\nChannel 1: pretty\n\nChannel 0: Fantastic. I had you booked in for a bit of a catch up in relation to the email that you did send me. Is now\n\nChannel 1: good.\n\nChannel 0: still a good time for you?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Oh, fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file there for\n\nChannel 1: Thirty first of the seventh thirty eight and nineteen Amanda Drive.\n\nChannel 0: you. Beautiful. Thank you so much for that. So, Alec, we're looking at I sort of wanted to make sure I was doing a bit of a catch up with you to sort of see how things were going for you guys on that end, but also to give you a little bit of an update on what was happening with your super and the investments there. So I'm not sure if you look at that very often.\n\nDo you have a look at the kids' investments and your super on a regular basis or not really?\n\nChannel 1: No. I find it best not to.\n\nChannel 0: Yeah. No. Understandable. All good. Well, look.\n\nI'll give you a really quick update there for you to start with, and then we'll sort of jump into your your other questions there. But, essentially, with the kids investments, they have been starting going quite well. This year, we have seen, as I mentioned in my email, a lot of ups and downs in the market with everything that has been going on. So the returns are slightly less than what we would sort of expect for the first year, but it is also only the first year then. We're not quite at the end of the year with those.\n\nSo having a look at Cooper's investment, since inception, we're up by 0.26%. So it is a very small return for his so far, but in the last three months, we've seen over 2% of growth there. So it is good. It has been working really well. It's just that it's been a lot lower because of the ups and downs the market has seen.\n\nWith Alessandra's, the since inception, she's up 0.05%. In the last three months, again, we've seen over 2% growth there. So all of the ups and downs that we saw anywhere up until kinda June, April was probably the worst ups and downs we had seen with the market volatility and what was happening between The US and the Iran war. But it's also a buying opportunity because the market was lower, because the investments were essentially down at that point in time. The contributions that you guys are putting into those investments as the market recovers and comes back out as we see additional growth and compounding will provide a much more stable amount of growth and definitely some opportunities there moving forward.\n\nDo you have any questions about that so far?\n\nChannel 1: No. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: I'm I'm pretty sure I'm pretty sure those accounts, the way they're set up, we can only contribute. What is it? An extra 20%?\n\nChannel 0: Yeah.\n\nChannel 1: Well\n\nChannel 0: So over the the each year is a 125%.\n\nChannel 1: mhmm.\n\nChannel 0: Yeah. But I'm keeping\n\nChannel 1: Yeah.\n\nChannel 0: an\n\nChannel 1: So\n\nChannel 0: eye\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: think\n\nChannel 0: those\n\nChannel 1: that's\n\nChannel 0: for\n\nChannel 1: fine.\n\nChannel 0: you. Yeah. Absolutely. All good. And with your super, I'm having a look at things from inception.\n\nYou're up by 5.77%. And in the last thirty days, your super's made over three there as well with income and growth. So things are working really well. The markets have been a bit up and down there, but I just wanted to make sure that I was keeping in contact with you and giving you an update over the course of the year and just making sure that we're here to support you through any market volatility. I wasn't really sure if you were looking at them on a regular basis or if you had any concerns about what was going on, but just wanted to make sure that we were able to still make contact and check-in and see how things were going and give you updates as well.\n\nSo, yeah, just do you have any questions about your super or how it's going at the moment? I know one of the things you wanted to talk about was salary sacrificing there as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Maybe not just yet.\n\nChannel 0: That's\n\nChannel 1: But,\n\nChannel 0: okay.\n\nChannel 1: yeah, that that's definitely something I'll be looking into.\n\nChannel 0: Fantastic. Excellent. So we'll put salary sacrificing down to sort sort of follow-up down the track there. And you are due to have a full annual view around about November as well, so we can always sort of revisit it then if you'd like to. Does that sound okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Fantastic. All good. The other thing that you had on here was that things are going well with the emergency fund. You're putting some money away, getting that sorted, and, hopefully, once your tax return is all completed, you reckon you're pretty close to completing that goal by the end of the year.\n\nIs that right? How's that tracking?\n\nChannel 1: Yeah. So well, I said I wanted to save $30. I'm at 20\n\nChannel 0: Yeah.\n\nChannel 1: 2.5 now.\n\nChannel 0: Fantastic.\n\nChannel 1: So we'll we'll yeah. It'll be pretty close. Just see how things\n\nChannel 0: Yeah.\n\nChannel 1: play out, but I reckon we'll we'll get there hopefully\n\nChannel 0: Great.\n\nChannel 1: by\n\nChannel 0: Fantastic.\n\nChannel 1: December, maybe January next year.\n\nChannel 0: Excellent. You've done really well to get there this quick. That's for sure. All good. And then early next year, yourself and Rachel are gonna put some money aside to get your wills and powers of attorney set up.\n\nSo you haven't really spoken to a solicitor. I haven't done those as of yet. That's more of a next year scenario. Is that right?\n\nChannel 1: Yeah. That's after I save up the emergency fund and that's done and dusted, and then we'll\n\nChannel 0: Yep.\n\nChannel 1: I'll put the money that I'm currently saving towards putting\n\nChannel 0: Getting\n\nChannel 1: a little\n\nChannel 0: that\n\nChannel 1: bit\n\nChannel 0: done.\n\nChannel 1: away for because it it I I think from the last it's obviously going up now, but I think last time you said it's about $5 to do the whole lot for both of us.\n\nChannel 0: Yeah. Yeah. It\n\nChannel 1: Somewhere\n\nChannel 0: just depends\n\nChannel 1: around\n\nChannel 0: on\n\nChannel 1: that.\n\nChannel 0: sort of yeah. It depends on what the solicitor is through, how complex it is. It can be, you know, a couple of grand up to $5 for the two of you to complete a full complex will taking into account, obviously, the properties that you own with your mom. I know you are wanting to sort of look at what to do with those now as well and sort of help your mom move into that retirement phase.\n\nChannel 1: Yep. Mhmm. Yeah. That's correct.\n\nChannel 0: Yeah.\n\nChannel 1: And,\n\nChannel 0: Yeah.\n\nChannel 1: basically,\n\nChannel 0: Beautiful.\n\nChannel 1: just looking at the property that we've got over there in Queensland and just having a look at it and just yeah. Because like I said, it's the first time we've done an investment property, and I don't know much.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So if you guys can do an like, an assessment of it, is that something\n\nChannel 0: So\n\nChannel 1: you can do?\n\nChannel 0: so what's\n\nChannel 1: And just\n\nChannel 0: what do you mean by that's okay. Just sort of clarify, what do you mean by\n\nChannel 1: yep.\n\nChannel 0: assessment? Are you sort of wanting us to look at the value of the property and assess the sale and things like that or where\n\nChannel 1: Yeah. And just\n\nChannel 0: Right.\n\nChannel 1: give\n\nChannel 0: Yep.\n\nChannel 1: basically, give us give me some feedback in terms of a learning experience, like, if it's a good property that we bought, how to, like, you know, how to analyze the figures because obviously there's a pay to play, which\n\nChannel 0: Yep.\n\nChannel 1: is the interest component of the property, then there's how to calculate inflation and actually see if the property has done well or if we've lost money on it, you know, that sort of thing. So if we do invest\n\nChannel 0: Yep.\n\nChannel 1: in the future as well, it's something that I know what to look for\n\nChannel 0: Yeah.\n\nChannel 1: because it's\n\nChannel 0: Yep.\n\nChannel 1: not something we've\n\nChannel 0: Perfect.\n\nChannel 1: done before. Yeah. If that if\n\nChannel 0: Yeah.\n\nChannel 1: that makes sense.\n\nChannel 0: Yeah. Absolutely. So you're sort of just looking for a bit of information at the moment around what the growth rate has been, how what it's valued at at the moment, that sort of thing, how it's been growing. Is that sort of what you're after?\n\nChannel 1: Yeah. That's right. And whether you know, if\n\nChannel 0: Yep.\n\nChannel 1: it's not performing that well, and we could probably you'll be better off just selling it, paying off, you know, the home loan on my mom's house and that sort of stuff instead of just, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: ticking along with it and losing money on it. Or if we're making\n\nChannel 0: Yep.\n\nChannel 1: money, we're making money on it.\n\nChannel 0: Mhmm.\n\nChannel 1: That sort\n\nChannel 0: Yep.\n\nChannel 1: of thing.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: that's okay. That's absolutely fine. So when we sort of look at providing advice, where I would wanna maybe start to because this property is technically owned by the two of you, to really\n\nChannel 1: Mhmm.\n\nChannel 0: incorporate personal advice, I'd need to be able to incorporate your mom. What I can\n\nChannel 1: Mhmm.\n\nChannel 0: do to start with for you is to maybe do up some general information, general advice on what the property's done. I can obtain the research around the growth rates that it has seen for you, provide maybe some reports to show\n\nChannel 1: Mhmm.\n\nChannel 0: you, you know, the excerpts on how it's grown, what it's valued at, and all the information around that to start with.\n\nChannel 1: Yep.\n\nChannel 0: And then we could look at further your goals, what you're wanting to do, what your mom is wanting to do, whether she's wanting\n\nChannel 1: Mhmm.\n\nChannel 0: to move into retirement. If you were to sell the property, what would you do with the funds from there? Obviously, factor in capital gain scenarios and things like that, we\n\nChannel 1: Yep.\n\nChannel 0: would definitely need you to also speak to your accountant to find out what the CGT consequences might look like, and then kinda come back and look at personal advice in relation to that. Does that make sense, and does that sound okay with you?\n\nChannel 1: Mhmm. Yeah. That's that's spot\n\nChannel 0: Yep.\n\nChannel 1: on. Yep.\n\nChannel 0: Yep. Perfect. Excellent. So what I'll do is I'll obtain some information. Now can I grab the address of the property so I can go back and do that research for\n\nChannel 1: Yep. So when we originally it was Unit 95307 Rate,\n\nChannel 0: you?\n\nChannel 1: Hanford Road in Taegham.\n\nChannel 0: One second. How\n\nChannel 1: But\n\nChannel 0: do you\n\nChannel 1: this\n\nChannel 0: spell\n\nChannel 1: place\n\nChannel 0: Anthem Road? Sorry. Just\n\nChannel 1: Hanford.\n\nChannel 0: so I have it right.\n\nChannel 1: Yeah. It's H A N D\n\nChannel 0: Yep.\n\nChannel 1: F O R D.\n\nChannel 0: Fantastic. Road. Yep.\n\nChannel 1: Yep. In Taigum,\n\nChannel 0: Tatum, how do you spell\n\nChannel 1: T A\n\nChannel 0: that?\n\nChannel 1: I G u m.\n\nChannel 0: Beautiful. And that's Queensland?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. Excellent. Lovely.\n\nChannel 1: Yeah. And\n\nChannel 0: Okay.\n\nChannel 1: after\n\nChannel 0: Yeah.\n\nChannel 1: after the development after they finished the development, because we bought it off the plan, it's being redone as 10 Radiant Street\n\nChannel 0: Yep.\n\nChannel 1: because they put the access road in.\n\nChannel 0: Yep. Perfect. Excellent. And when was that developed? When did you have that purchase of the plan originally?\n\nChannel 1: I have to look up the exact date for you.\n\nChannel 0: That's\n\nChannel 1: But\n\nChannel 0: okay, honestly, even just an estimated year.\n\nChannel 1: okay. So we originally started talking about it in 2015, 2016. So\n\nChannel 0: Yep.\n\nChannel 1: pretty much ten years ago now.\n\nChannel 0: Yep. Perfect. Excellent. And when it sort of comes down to down the track with selling the property, I know one of the things we talked about, you know, a bit over a year ago was that you were looking down the track to sell one of these properties because the other one your mom lives in as her main primary residence. Is that right?\n\nChannel 1: Yeah. So the plan was I think originally what we talked about is just to have the investment,\n\nChannel 0: Yep.\n\nChannel 1: let it grow, and then\n\nChannel 0: Yep.\n\nChannel 1: sell it and cover the mortgage of my mom's principal place of residence, which we also\n\nChannel 0: Yep.\n\nChannel 1: half own.\n\nChannel 0: Yep. Perfect. And so\n\nChannel 1: And\n\nChannel 0: just\n\nChannel 1: then\n\nChannel 0: sort of checking you're right.\n\nChannel 1: mhmm.\n\nChannel 0: So sorry. My my apologies. I like you continue. Sorry.\n\nChannel 1: Yeah. And then split whatever we've got left over. So maybe put if we have anything left over, put half to my mom's what do you call it? Into, like, a super retirement fund and, yeah, obviously,\n\nChannel 0: Yep.\n\nChannel 1: half to myself, providing there's anything left over. But we're we've always\n\nChannel 0: Yeah.\n\nChannel 1: sort of thought to look at at least getting to that stage where we'll cover both the mortgages. Yep. And then, yeah, just go from there.\n\nChannel 0: Yep.\n\nChannel 1: And,\n\nChannel 0: Yeah.\n\nChannel 1: obviously,\n\nChannel 0: No.\n\nChannel 1: hopefully,\n\nChannel 0: That's okay.\n\nChannel 1: before my mom looks looks to retire.\n\nChannel 0: Yeah. Okay. Perfect. So your mom isn't retired as of yet. She's still working currently?\n\nChannel 1: Yeah. Still working full time.\n\nChannel 0: Yep. Perfect. Excellent. Lovely. So what I could do if you're comfortable to start with is we'll start by just with some general information, general advice.\n\nI can obtain the information on the the research material on the property itself, the growth rates, how it has grown, estimated value based on current research. I can send that to you so you can have a bit of a look at it, a read through. We can then sort of come back and discuss that if you want to. And then it's\n\nChannel 1: Mhmm.\n\nChannel 0: it's a matter of having a conversation with your mom, looking at whether it's worth you guys selling it now, looking at the CGT consequences. Because the other thing to consider is if it's a rent if it's been a rent investment property, you're gonna have to pay CDT tax. So\n\nChannel 1: Yep.\n\nChannel 0: making sure that speaking to your accountant would be a good one and estimating the CDT tax based on any other deductions that you can have a look at to kind of reduce that as much as possible. The other thing to sort of think about is whether you wanna sell that now or whether you wanna hold off until after the new CGT rules come into play. Because the other thing is, I don't know if you sort of had a look at, with all the new legislative changes going through. There is a change to capital gains tax as of the July 1 year. Have you had a look at those rules or had an under have an understanding of what they mean?\n\nOr\n\nChannel 1: Have a vague understanding, but sorry. I've\n\nChannel 0: yeah.\n\nChannel 1: got a vague idea of what they are, but not quite an understanding of what they mean in a\n\nChannel 0: No.\n\nChannel 1: particular\n\nChannel 0: That's,\n\nChannel 1: situation.\n\nChannel 0: yeah,\n\nChannel 1: So I think they've\n\nChannel 0: that's absolutely\n\nChannel 1: dropped\n\nChannel 0: fine.\n\nChannel 1: to did it\n\nChannel 0: Yeah.\n\nChannel 1: change to 33% or something?\n\nChannel 0: Yeah. So, essentially, what it means is there's gonna be two sort of capital gains rules that apply.\n\nChannel 1: Mhmm.\n\nChannel 0: There's the current rules, and then there's the newer rules as of the July 1. So any investment property that you do own now, if you continue to hold up until, say, the June 30 year, will essentially, under the rules, be seen by the ATO as having been sold on the June 30 year and then repurchase back on the July 1. So any capital gain you've received from the property from purchase date to the end of that of June next financial year will go under the current rules, which gives you the option of the 50% discount. Then\n\nChannel 1: Mhmm.\n\nChannel 0: after the July 1 next year, then they'll have a new rule. And they're essentially seeing you as holding the asset as you disposing\n\nChannel 1: Mhmm.\n\nChannel 0: of it on one day and then rebuying it back the next day. You won't physically have to do any of that. It's just like an administrative thing. So they can say, as of that, this is June 2027, up and you own the property from this date to here.\n\nChannel 1: Yep.\n\nChannel 0: That is all under the grandfathered tax or CGT rules. The new rules essentially means that\n\nChannel 1: Nope.\n\nChannel 0: when a property is sold, there's a whole fun math equation around doing it. But they the tax is a minimum of 30%, and that will apply from the July 1 next year until you dispose of the property then. So it means that when if you do keep the property longer and sell it after the July\n\nChannel 1: Nope.\n\nChannel 0: 1, your\n\nChannel 1: Nope.\n\nChannel 0: accountant has to take into account two different tax rules for different portions of the property. And\n\nChannel 1: Okay.\n\nChannel 0: they are suggesting people get properties evaluated around that time just to sort of see what the evaluations\n\nChannel 1: Yep.\n\nChannel 0: are to have a record keeping thing. So it's just sort of probably important once I get this research through that and I can pop that in the email for you as well. Just maybe have that conversation with your mom, look at whether it\n\nChannel 1: Mhmm.\n\nChannel 0: is worth selling it now or whether you wanna hold off.\n\nChannel 1: Yep.\n\nChannel 0: You can also speak to your account and can get them to do, like, a mock mock tax return for you to sort of show you the estimated CGT might be, taking into account any deductions that they might know that you're able to assess. That way, you can look at if you were to sell the property, is that gonna cover both the loans? Is it and how else do you how do you pay that tax? Is also gonna cover the tax bill that you might have based on that as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yeah. It does. And would you be\n\nChannel 0: Yeah.\n\nChannel 1: able to do the evaluation on our behalf if we don't sell\n\nChannel 0: We\n\nChannel 1: it by the end of next year, or is that\n\nChannel 0: we\n\nChannel 1: something we've\n\nChannel 0: don't,\n\nChannel 1: got organized?\n\nChannel 0: yeah, we're not able to do evaluations on property. We're able to access research material for you\n\nChannel 1: Mhmm.\n\nChannel 0: and look at research around the property area, the address itself, and get growth rates and things because it's all part of the invest investment stuff.\n\nChannel 1: Yep.\n\nChannel 0: But you would need an actual valuer to go and do a proper valuation of the property. There are probably companies in your area. I could maybe even Google a couple of different options for you, like places in your area to see if you maybe wanna contact them, find out what they might charge to do so, and sorta\n\nChannel 1: Yep.\n\nChannel 0: have\n\nChannel 1: That'd\n\nChannel 0: that\n\nChannel 1: be\n\nChannel 0: conversation\n\nChannel 1: great.\n\nChannel 0: with your mom to look at what your options are if you keep the property longer than, you know, the the June 30. Does that sound okay?\n\nChannel 1: Mhmm. Yeah. That sounds great.\n\nChannel 0: Yep. Beautiful. Trust me. I'm in the same boat. I've got my investment property, and we're doing the same thing.\n\nI was like, I said to my husband, guess what we're doing next year?\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: So\n\nChannel 0: no. There's there's you're right. Sorry. Yeah.\n\nChannel 1: so just so I got this straight, so as of the\n\nChannel 0: Mhmm.\n\nChannel 1: end of June next year, how does that work? Do they just clear the slate and start again from whatever the current value of the property is, and then from that year onwards, they do the capital gains?\n\nChannel 0: Yeah. So what they're gonna essentially do is they'll assume they it's a pay administrative thing where you've held the property from, say, 2016 up until June 30 next year.\n\nChannel 1: Yep.\n\nChannel 0: On paper, your accountant needs to note that that up until June 30, this was the at June 30, this was the value of the property. This is what you bought it for. This would essentially be the capital gains based on that time frame under the grandfathered, so current rules now.\n\nChannel 1: Mhmm.\n\nChannel 0: As of the July 1, they assume that you've they assume the new valuation of the property, which would be the value as of thirtieth of thirtieth of June next year. And then from there onwards, you're under the new capital gains rules, and\n\nChannel 1: Yep.\n\nChannel 0: it just any gains from then onwards are under the new capital gains rules. So\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: And\n\nChannel 0: essentially\n\nChannel 1: that'll be done\n\nChannel 0: means\n\nChannel 1: under the different different tax rate.\n\nChannel 0: that's exactly right. Yeah. So it's a minimum\n\nChannel 1: Okay.\n\nChannel 0: of 30%. And the way they have\n\nChannel 1: Yep.\n\nChannel 0: to work that out is when you do sell the property, they work out the your basically, your taxable income plus the CGT and work out what tax would be paid there. Then they have\n\nChannel 1: Mhmm.\n\nChannel 0: to do the secondary equation where it's your your income tax minus the without taking into effect the capital gains and then\n\nChannel 1: Mhmm.\n\nChannel 0: working out whether the difference, the CGT, is under 30 or over 30%. If it's\n\nChannel 1: Mhmm.\n\nChannel 0: over 30%, you'll probably get a refund. If it's under 30%, then you've gotta pay a top up amount to cover that. So it's unfortunately, accountants have a really, really terrible job ahead of them to work this stuff out, but there is a lot to do. And it's just about working out whether you sell the property now, whether it's what you guys wanna do, or whether you wanna hold on to it for a bit longer, or whether it has valued enough that you will cover both the loans and possibly\n\nChannel 1: Mhmm.\n\nChannel 0: the CGT consequences with that as well. Does that make sense?\n\nChannel 1: Okay. Yeah. So we we've got roughly about, what is it, ten months to\n\nChannel 0: Yeah.\n\nChannel 1: evaluate it and sort of go from there.\n\nChannel 0: Yeah. Yeah. Beautiful. Not a problem. Well, I'll start by getting that research material for you.\n\nI'll email through and break down a bit of an email on what we've got the growth rates, the expected value, and the information in that so you have it. And then you can definitely take that back, have a chat to your mom, look at what you guys wanna do. If she\n\nChannel 1: Mhmm.\n\nChannel 0: would like to then discuss because I know in the email, one of the things was looking at helping to get her into retirement phase. If she would like to then seek advice with you and look at the selling of the property, what we do with the funds on either side of it for each of you, getting her into retirement, then we can come back and have that conversation. I can do an initial consultation with her and yourself if you'd like to as well, and we can always sort of look at your goals and look at what we do down the track. Does that sound okay? Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have further\n\nChannel 1: Yeah.\n\nChannel 0: questions\n\nChannel 1: Yeah. That sounds\n\nChannel 0: from that\n\nChannel 1: good.\n\nChannel 0: at all? Yeah?\n\nChannel 1: With the moving into retirement, is there like a like a downsizer clause for selling a property when you retire?\n\nChannel 0: There is. You can utilize a downsize contribution. However, it has to be on your main primary residence. They don't allow\n\nChannel 1: Okay.\n\nChannel 0: the contributions for investment properties,\n\nChannel 1: Mhmm.\n\nChannel 0: but there are other contributions that we can definitely use. So it's not the only way. They also do allow for non concessional contributions, which are after tax contributions, very\n\nChannel 1: Mhmm.\n\nChannel 0: similar to a downsizer, but it's you know, you can use the proceeds from your investment property to put in there. That's\n\nChannel 1: Mhmm.\n\nChannel 0: a 100% of the proceeds are invested, which is great. Or\n\nChannel 1: Yep.\n\nChannel 0: if you guys sell the property this year and say because you're both earning an income, the CDT, you know, pushes you up or you're you need to maybe look at reducing CDT some way, we can also make, concessional contributions in and utilize maybe some, financial year caps or previous five financial years with the caps and things like that. So there are other things that we can do, but the downsizer is primarily for having owned a main primary residence and selling that property. They don't really allow you to use it for an investment, unfortunately.\n\nChannel 1: Mhmm. Okay. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: alright. And\n\nChannel 0: Yeah.\n\nChannel 1: what is I have one more question.\n\nChannel 0: That's\n\nChannel 1: Hang\n\nChannel 0: that's\n\nChannel 1: on.\n\nChannel 0: okay.\n\nChannel 1: Let me\n\nChannel 0: You're fine.\n\nChannel 1: oh, so with my mom's super account, so I think\n\nChannel 0: Mhmm.\n\nChannel 1: she's just got whatever super she's got through her work.\n\nChannel 0: Yep.\n\nChannel 1: Now I\n\nChannel 0: Yes.\n\nChannel 1: know you've redone me into, like, a rep account, and I know that's a little bit easier to switch over into the retirement phase. So you still keep the, what do you call it, the lump sum invested and just live off the, I suppose, the drawdown of dividends.\n\nChannel 0: Yeah.\n\nChannel 1: Is that what we sort of done?\n\nChannel 0: Yep. Yeah. So that's essentially what what we can do. There are other options available to her in retirement phase. So we can also look at lifetime\n\nChannel 1: Mhmm. No.\n\nChannel 0: annuities. We can look at how to you know, the platform that you've got as well as as other platforms there, how funds are invested. Again, the same as with yourself. We look at the risk profiling and how we invest funds to try and get the most out of the income. One of the biggest\n\nChannel 1: Mhmm.\n\nChannel 0: difference between your phase of life and hers is that you're taking on a bit more risk now because you're still accumulating your wealth. Whereas your mom\n\nChannel 1: Mhmm.\n\nChannel 0: in that sort of phase is not wanting to take as much risk. We don't wanna see large ups and downs in retirement phase. We kinda wanna see it a bit smoother. And because we're drawing income down, we\n\nChannel 1: Yep.\n\nChannel 0: wanna have investments that are also producing income so that\n\nChannel 1: Mhmm.\n\nChannel 0: we're essentially not taking as much of our capital and keeping as much of our capital invested as we can to give us longevity. But if that's\n\nChannel 1: Yep.\n\nChannel 0: something she would like to look at, I can email you after the call a copy of our financial services guide, which outlines who we are, what we do the services. We provide the fees, all the things that you can give to her. And\n\nChannel 1: Mhmm.\n\nChannel 0: then if you wanna come back and do a bit of an initial meeting or a conversation by Teams or however suits the two of you, we can do that together and sort of put a bit more out there about what her circumstances look like, what she's after, and sort of help to, you know, start the advice process for her. I try\n\nChannel 1: Mhmm.\n\nChannel 0: to sort of do things like that in more of their comfort level. I never want anyone to feel forced to come in and seek advice. So doing things slowly and within your mom's comfort level is absolutely really important. But, yeah, if you\n\nChannel 1: Yeah.\n\nChannel 0: want,\n\nChannel 1: So\n\nChannel 0: I can absolutely email this financial services guide through. I'll email you with just a recap of our conversation as well just to kind of in case you have additional questions that come back that you need answered,\n\nChannel 1: mhmm. Mhmm.\n\nChannel 0: and then I'll go back and get that researched for you. Does that sound\n\nChannel 1: Yeah.\n\nChannel 0: fairly\n\nChannel 1: That sounds\n\nChannel 0: okay?\n\nChannel 1: good. Yeah. So\n\nChannel 0: Yep.\n\nChannel 1: we don't necessarily wanna just take everything out of my mom's sleep or put it into a savings account and just live off that. We still want it invested sort\n\nChannel 0: Yeah.\n\nChannel 1: of thing.\n\nChannel 0: Absolutely. And that's the best one of the things about keeping it in the super system is that I mean, one of the biggest differences actually about keeping it in the super system is that the money you draw down is tax free. And when you're in pension phase, there's no CGT tax or income tax. Whereas if you were to take all that money out of the super system and put it into a bank account,\n\nChannel 1: Mhmm.\n\nChannel 0: they don't have those same tax effectiveness. The money that you make from that savings account has to be considered for taxation purposes. And the money often doesn't make as much of a return as well. It doesn't keep up with, you know, CGT. You also have a lot more access to that money.\n\nIt's easier to sort of draw on if you need it, so people tend to to burn through those funds a lot quicker as well. So there\n\nChannel 1: Mhmm.\n\nChannel 0: are a lot of advantages to keeping it in the super system, and we have access, as I said, to rep platforms. I also can advise on industry funds. We also have access to, like, annuities, lifetime annuities, and things. And I also do Centrelink advice as well. So we can incorporate Centrelink into things to show her what this looks like, how the draw downs work, how Centrelink can be incorporated, and the longevity she can get out of that.\n\nAnd then if\n\nChannel 1: Mhmm.\n\nChannel 0: we're looking at, you know, selling property and what to do with the funds, how to incorporate that into the whole strategy as a whole. So there's all those different aspects that we can certainly help her with, and it it sounds like it'd be something that you'd be you know, happy to be involved in to sorta help her along as well, and we're more than happy to incorporate those two of you into that if that's what you'd like to do. Yeah.\n\nChannel 1: Yep. No. It sounds good.\n\nChannel 0: Fantastic. There's a lot to it. Sorry. Not everything's\n\nChannel 1: No.\n\nChannel 0: straightforward.\n\nChannel 1: That that's fine.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: No. I I realized that. And, yeah, that's why I sorta\n\nChannel 0: Yeah.\n\nChannel 1: went to you guys for some advice because I\n\nChannel 0: Absolutely.\n\nChannel 1: know there's more than one way to do things.\n\nChannel 0: Perfect. Well, the the sleep of the retirement thing is really kinda close to home for me just because, you know, you guys work so hard. Everyone works so hard. We go to work. We spend basically a whole lifetime at work.\n\nSo when we get to retirement, you wanna enjoy those years. And one of the biggest things to take into consideration nowadays is that super wasn't a thing until the early nineties, and it's been gradually increasing over time. So, you know, most people in your mom's stage and my mom's about to retire as well, and she has very little super, and we've been boosting it up as much as possible. But they don't have as much as you and I are gonna end up with when we get there. So it's about\n\nChannel 1: Mhmm.\n\nChannel 0: utilizing what we've been able to get, how we, you know, offset that with Centrelink and other ways and make the best of that So it gives them as much of a life as possible, and also as much longevity out of their money as possible. Because when you think about retirement, most people spend between twenty to forty years. It's a whole another lifetime in retirement. Aged care things to factor in as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: there's a lot there's a whole another, you know, a lifetime of events, of longevity, and of spending that needs to be accounted for in that time frame. So, you know, retirement is very much close to close to home for me a little bit. So if your mom's open to having that conversation, let me know. I'm happy to book in a time. We can do Teams or phone call, whatever suits you so she's more comfortable, and we can definitely go from there.\n\nAnd for the moment, I'll send the financial services guide through so you can give that to her, and she's welcome to have a look at that. And if you guys have additional questions, just email me, call me. You can ask anything you like, and I'll always make time to answer those questions for you. Okay?\n\nChannel 1: Not a problem. It sounds great.\n\nChannel 0: Easy. Thank you so much. Is there any other questions that might have kinda come up for the moment there, Alex?\n\nChannel 1: No. That's pretty much all I wanted to look at for the immediate future. Like\n\nChannel 0: Yep.\n\nChannel 1: I mentioned before, we'll probably look at doing something with Rachel's house and, like, eventually,\n\nChannel 0: Yep.\n\nChannel 1: in a few more years, we'll look at\n\nChannel 0: Yep.\n\nChannel 1: moving out and possibly upgrading to another property, but that's at least ten years down the track.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: No.\n\nChannel 1: That's\n\nChannel 0: That's\n\nChannel 1: after\n\nChannel 0: okay.\n\nChannel 1: kids have finished high school.\n\nChannel 0: Absolutely. No. Not a problem at all. Well, I'll start by getting this research for you. I'll send you an email shortly with the FSD and a recap of our conversation just going through the questions that you did ask, and then I'll get the research to you as soon as I'm able to grab that and complete for you.\n\nAnd then we can go from there. If you have additional questions, come back and let me know, and we can have a look at, you know, where to go from there for you. Okay?\n\nChannel 1: Mhmm. No worries. Thank you.\n\nChannel 0: Easy. Not a problem at all. I hope you have a good day. Are you working\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: today? Yep. Yep. Well, enjoy your day, and I hope you guys have a great weekend. Do you got good weather at least?\n\nIs it nice and warm over there at the moment?\n\nChannel 1: It was, like, three degrees this morning,\n\nChannel 0: Oh, yuck.\n\nChannel 1: so I had to wash ice off my car. It was a bit chilly.\n\nChannel 0: Yeah. Yeah. No. Look. Happily, it's not that cold here in Queensland, but you know?\n\nNo. All good. I like well, thank you so much for your time. I'll let you go because I know you are busy, and I'll start by getting those emails through to you, and we'll go\n\nChannel 1: Alright. Great. Thank you. Thanks for\n\nChannel 0: from\n\nChannel 1: your time.\n\nChannel 0: there.\n\nChannel 1: Alright.\n\nChannel 0: Okay? My pleasure.\n\nChannel 1: See you later.\n\nChannel 0: Talk to you soon.\n\nChannel 1: Have a great\n\nChannel 0: See\n\nChannel 1: day.\n\nChannel 0: you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.03498848155140877},{"text":"Ellie speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.0328198978677392}],"sentiment":"neutral","sentiment_score":0.03354275909562906,"channel":1,"num_words":3,"start":0.96,"end":2.1},{"sentences":[{"text":"Hi, Aleck.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.1128612533211708},{"text":"It's Dana from OkuFinder Huntail.","start":3.28,"end":5.04,"sentiment":"neutral","sentiment_score":0.13091424852609634},{"text":"How are you this morning?","start":5.04,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.18486935198307036}],"sentiment":"neutral","sentiment_score":0.1503867090990146,"channel":0,"num_words":12,"start":2.72,"end":6.2599998},{"sentences":[{"text":"Yeah.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.17176766693592072},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.337282657623291},{"text":"How are you?","start":7.12,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.23710675537586212}],"sentiment":"neutral","sentiment_score":0.24407411813735963,"channel":1,"num_words":5,"start":6.56,"end":7.8599997},{"sentences":[{"text":"I'm very well.","start":8.0,"end":9.12,"sentiment":"positive","sentiment_score":0.5420499642690023},{"text":"Thank you.","start":9.12,"end":9.599999,"sentiment":"positive","sentiment_score":0.5672895312309265},{"text":"How's your morning been so far?","start":9.599999,"end":11.46,"sentiment":"neutral","sentiment_score":0.14573671792944273}],"sentiment":"neutral","sentiment_score":0.33046811480413785,"channel":0,"num_words":11,"start":8.0,"end":11.46},{"sentences":[{"text":"Pretty busy, but","start":12.4,"end":13.305,"sentiment":"neutral","sentiment_score":0.024053449432055157}],"sentiment":"neutral","sentiment_score":0.024053449432055157,"channel":1,"num_words":3,"start":12.4,"end":13.305},{"sentences":[{"text":"Yeah?","start":13.92,"end":14.42,"sentiment":"neutral","sentiment_score":0.13714459538459778}],"sentiment":"neutral","sentiment_score":0.13714459538459778,"channel":0,"num_words":1,"start":13.92,"end":14.42},{"sentences":[{"text":"pretty","start":14.345,"end":14.845,"sentiment":"positive","sentiment_score":0.47158515453338623}],"sentiment":"positive","sentiment_score":0.47158515453338623,"channel":1,"num_words":1,"start":14.345,"end":14.845},{"sentences":[{"text":"Fantastic.","start":15.924999,"end":16.425,"sentiment":"positive","sentiment_score":0.6812522411346436},{"text":"I had you booked in for a bit of a catch up in relation to the email that you did send me.","start":16.564999,"end":20.324999,"sentiment":"neutral","sentiment_score":0.30723008107055316},{"text":"Is now","start":20.324999,"end":20.724998,"sentiment":"positive","sentiment_score":0.37579305469989777}],"sentiment":"neutral","sentiment_score":0.32767600536346436,"channel":0,"num_words":25,"start":15.924999,"end":20.724998},{"sentences":[{"text":"good.","start":20.665,"end":21.165,"sentiment":"positive","sentiment_score":0.44230711460113525}],"sentiment":"positive","sentiment_score":0.44230711460113525,"channel":1,"num_words":1,"start":20.665,"end":21.165},{"sentences":[{"text":"still a good time for 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obviously,","start":656.25,"end":658.99,"sentiment":"neutral","sentiment_score":0.06386185561617215}],"sentiment":"neutral","sentiment_score":0.04694622045231832,"channel":1,"num_words":37,"start":645.805,"end":658.99},{"sentences":[{"text":"Yep.","start":658.645,"end":659.145,"sentiment":"neutral","sentiment_score":0.04777789115905762}],"sentiment":"neutral","sentiment_score":0.04777789115905762,"channel":0,"num_words":1,"start":658.645,"end":659.145},{"sentences":[{"text":"half to myself, providing there's anything left over.","start":659.45,"end":661.755,"sentiment":"neutral","sentiment_score":0.03740920126438141},{"text":"But we're we've always","start":661.755,"end":662.955,"sentiment":"neutral","sentiment_score":0.008599547785706818}],"sentiment":"neutral","sentiment_score":0.027805983438156545,"channel":1,"num_words":12,"start":659.45,"end":662.955},{"sentences":[{"text":"Yeah.","start":662.885,"end":663.385,"sentiment":"neutral","sentiment_score":0.007239900529384613}],"sentiment":"neutral","sentiment_score":0.007239900529384613,"channel":0,"num_words":1,"start":662.885,"end":663.385},{"sentences":[{"text":"sort of thought to look at at least getting to that stage where we'll cover both the mortgages.","start":662.955,"end":667.85504,"sentiment":"neutral","sentiment_score":0.01713658269080851},{"text":"Yep.","start":670.075,"end":670.555,"sentiment":"neutral","sentiment_score":0.05014168471097946},{"text":"And then, yeah, just go from 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working currently?","start":681.825,"end":683.125,"sentiment":"neutral","sentiment_score":0.03324233368039131}],"sentiment":"neutral","sentiment_score":0.06854375476638476,"channel":0,"num_words":15,"start":678.73004,"end":683.125},{"sentences":[{"text":"Yeah.","start":683.46,"end":683.7,"sentiment":"neutral","sentiment_score":0.04261358454823494},{"text":"Still working full 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advice.","start":688.945,"end":693.665,"sentiment":"neutral","sentiment_score":0.17537665299393915}],"sentiment":"neutral","sentiment_score":0.22872448368714407,"channel":0,"num_words":26,"start":685.425,"end":693.665},{"sentences":[{"text":"I can obtain the information on the the research material on the property itself, the growth rates, how it has grown, estimated value based on current research.","start":693.665,"end":702.88,"sentiment":"neutral","sentiment_score":0.11202898152448514},{"text":"I can send that to you so you can have a bit of a look at it, a read through.","start":703.5,"end":706.78,"sentiment":"neutral","sentiment_score":0.13394161872565746},{"text":"We can then sort of come back and discuss that if you want to.","start":706.78,"end":709.755,"sentiment":"neutral","sentiment_score":0.08704242695655141},{"text":"And then it's","start":710.075,"end":710.715,"sentiment":"neutral","sentiment_score":0.037338798865675926}],"sentiment":"neutral","sentiment_score":0.1099097695259843,"channel":0,"num_words":64,"start":693.665,"end":710.715},{"sentences":[{"text":"Mhmm.","start":710.55005,"end":711.05005,"sentiment":"neutral","sentiment_score":0.006125533953309059}],"sentiment":"neutral","sentiment_score":0.006125533953309059,"channel":1,"num_words":1,"start":710.55005,"end":711.05005},{"sentences":[{"text":"it's a matter of having a conversation with your mom, looking at whether it's worth you guys selling it now, looking at the CGT consequences.","start":710.715,"end":717.055,"sentiment":"neutral","sentiment_score":-0.021748219542205335},{"text":"Because the other thing to consider is if it's a rent if it's been a rent investment property, you're gonna have to pay CDT 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a rep account, and I know that's a little bit easier to switch over into the retirement phase.","start":1273.645,"end":1279.165,"sentiment":"neutral","sentiment_score":0.11982220985616247},{"text":"So you still keep the, what do you call it, the lump sum invested and just live off the, I suppose, the drawdown of dividends.","start":1279.165,"end":1285.8,"sentiment":"neutral","sentiment_score":0.19639829486608507}],"sentiment":"neutral","sentiment_score":0.158891640983674,"channel":1,"num_words":49,"start":1273.645,"end":1285.8},{"sentences":[{"text":"Yeah.","start":1286.085,"end":1286.585,"sentiment":"neutral","sentiment_score":0.11673159897327424}],"sentiment":"neutral","sentiment_score":0.11673159897327424,"channel":0,"num_words":1,"start":1286.085,"end":1286.585},{"sentences":[{"text":"Is that what we sort of 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great","start":1727.3,"end":1727.86,"sentiment":"positive","sentiment_score":0.580705483754476}],"sentiment":"positive","sentiment_score":0.580705483754476,"channel":1,"num_words":3,"start":1727.3,"end":1727.86},{"sentences":[{"text":"See","start":1727.6349,"end":1727.8749,"sentiment":"positive","sentiment_score":0.49268388748168945}],"sentiment":"positive","sentiment_score":0.49268388748168945,"channel":0,"num_words":1,"start":1727.6349,"end":1727.8749},{"sentences":[{"text":"day.","start":1727.86,"end":1728.18,"sentiment":"positive","sentiment_score":0.48904502391815186}],"sentiment":"positive","sentiment_score":0.48904502391815186,"channel":1,"num_words":1,"start":1727.86,"end":1728.18},{"sentences":[{"text":"you later.","start":1727.8749,"end":1728.2749,"sentiment":"positive","sentiment_score":0.34463103115558624}],"sentiment":"positive","sentiment_score":0.34463103115558624,"channel":0,"num_words":2,"start":1727.8749,"end":1728.2749},{"sentences":[{"text":"Bye.","start":1728.18,"end":1728.68,"sentiment":"neutral","sentiment_score":0.1929064244031906}],"sentiment":"neutral","sentiment_score":0.1929064244031906,"channel":1,"num_words":1,"start":1728.18,"end":1728.68},{"sentences":[{"text":"Bye.","start":1728.2749,"end":1728.7749,"sentiment":"neutral","sentiment_score":-0.10518365353345872}],"sentiment":"neutral","sentiment_score":-0.10518365353345872,"channel":0,"num_words":1,"start":1728.2749,"end":1728.7749}]},"summary":{"result":"success","short":"Representatives from Oku Cy Huntail discuss the progress of a super with the customer, highlighting a small return for their child investments and salary sacrificing. They provide advice on property growth rate and retirement goals, including personal advice and growth rate recommendations. The speaker emphasizes the importance of staying flexible in retirement and suggests incorporating Centrelink advice into retirement plans. They offer to book a follow-up meeting and provide a financial services guide."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up in relation to the email that you did send me. Is now good. still a good time for you? Yeah.","start_word":37,"end_word":68,"intents":[{"intent":"Schedule call","confidence_score":0.0866869}]},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file there for Thirty first of the seventh thirty eight and nineteen Amanda Drive. you.","start_word":106,"end_word":149,"intents":[{"intent":"Check security check","confidence_score":0.1265232}]},{"text":"Thank you so much for that. So, Alec, we're looking at I sort of wanted to make sure I was doing a bit of a catch up with you to sort of see how things were going for you guys on that end, but also to give you a little bit of an update on what was happening with your super and the investments there.","start_word":151,"end_word":215,"intents":[{"intent":"Provide update on investments and super","confidence_score":0.04670174}]},{"text":"This year, we have seen, as I mentioned in my email, a lot of ups and downs in the market with everything that has been going on. So the returns are slightly less than what we would sort of expect for the first year, but it is also only the first year then. We're not quite at the end of the year with those.","start_word":298,"end_word":361,"intents":[{"intent":"Discuss market and expectations","confidence_score":0.023276918}]},{"text":"So having a look at Cooper's investment, since inception, we're up by 0.26%. So it is a very small return for his so far, but in the last three months, we've seen over 2% of growth there. So it is good.","start_word":363,"end_word":403,"intents":[{"intent":"Evaluate investment performance","confidence_score":0.067496166}]},{"text":"And then early next year, yourself and Rachel are gonna put some money aside to get your wills and powers of attorney set up.","start_word":995,"end_word":1018,"intents":[{"intent":"Set up wills and powers of attorney","confidence_score":0.01999492}]},{"text":"just looking at the property that we've got over there in Queensland and just having a look at it and just yeah. Because like I said, it's the first time we've done an investment property, and I don't know much. Yeah.","start_word":1211,"end_word":1251,"intents":[{"intent":"Evaluate property investment","confidence_score":0.0037464714}]},{"text":"And whether you know, if Yep. it's not performing that well, and we could probably you'll be better off just selling it, paying off, you know, the home loan on my mom's house and that sort of stuff instead of just, you know, Mhmm. ticking along with it and losing money on it. Or if we're making Yep. money, we're making money on it. Mhmm.","start_word":1487,"end_word":1551,"intents":[{"intent":"Consider asset selling","confidence_score":0.00042932344}]},{"text":"So when we sort of look at providing advice, where I would wanna maybe start to because this property is technically owned by the two of you, to really Mhmm. incorporate personal advice, I'd need to be able to incorporate your mom. What I can Mhmm.","start_word":1564,"end_word":1609,"intents":[{"intent":"Provide advice","confidence_score":0.21919572}]},{"text":"And then we could look at further your goals, what you're wanting to do, what your mom is wanting to do, whether she's wanting Mhmm. to move into retirement.","start_word":1676,"end_word":1704,"intents":[{"intent":"Calculate goals","confidence_score":0.004847505}]},{"text":"would definitely need you to also speak to your accountant to find out what the CGT consequences might look like, and then kinda come back and look at personal advice in relation to that. Does that make sense, and does that sound okay with you? Mhmm. Yeah.","start_word":1734,"end_word":1780,"intents":[{"intent":"Schedule phone call","confidence_score":0.000029401943}]},{"text":"So what I could do if you're comfortable to start with is we'll start by just with some general information, general advice. I can obtain the information on the the research material on the property itself, the growth rates, how it has grown, estimated value based on current research.","start_word":2228,"end_word":2276,"intents":[{"intent":"Share advice","confidence_score":0.00063553255}]},{"text":"The other thing to sort of think about is whether you wanna sell that now or whether you wanna hold off until after the new CGT rules come into play.","start_word":2406,"end_word":2435,"intents":[{"intent":"Discuss the new rules in crategor","confidence_score":8.865422e-12}]},{"text":"There is a change to capital gains tax as of the July 1 year.","start_word":2459,"end_word":2472,"intents":[{"intent":"Discuss new changes to capital gains tax","confidence_score":0.000009754703},{"intent":"Discuss changing laws to govern capital gains tax","confidence_score":1.5341142e-9},{"intent":"Discuss new rules for capital gains tax","confidence_score":0.0698371},{"intent":"Discuss the new regulations","confidence_score":0.00008017705},{"intent":"Discuss the new rules","confidence_score":0.21693663}]},{"text":"So, essentially, what it means is there's gonna be two sort of capital gains rules that apply. Mhmm.","start_word":2543,"end_word":2560,"intents":[{"intent":"Explain the new rules","confidence_score":0.024043659}]},{"text":"But they the tax is a minimum of 30%, and that will apply from the July 1 next year until you dispose of the property then. So it means that when if you do keep the property longer and sell it after the July Nope. 1, your Nope. accountant has to take into account two different tax rules for different portions of the property. And Okay.","start_word":2771,"end_word":2836,"intents":[{"intent":"Evaluate tax coverage","confidence_score":0.27479145}]},{"text":"I could maybe even Google a couple of different options for you, like places in your area to see if you maybe wanna contact them, find out what they might charge to do so, and sorta Yep.","start_word":3120,"end_word":3156,"intents":[{"intent":"Discuss options","confidence_score":0.15063235}]},{"text":"That sounds great. Yep. Beautiful.","start_word":3191,"end_word":3195,"intents":[{"intent":"Confirm understanding","confidence_score":0.06696046}]},{"text":"Beautiful.","start_word":3195,"end_word":3195,"intents":[{"intent":"Ensure understanding","confidence_score":0.008441898}]},{"text":"I'm in the same boat. I've got my investment property, and we're doing the same thing. I was like, I said to my husband, guess what we're doing next year? Yeah.","start_word":3198,"end_word":3228,"intents":[{"intent":"Discuss future plans","confidence_score":0.013387677}]},{"text":"This would essentially be the capital gains based on that time frame under the grandfathered, so current rules now.","start_word":3352,"end_word":3370,"intents":[{"intent":"Provide information on capital gains rules","confidence_score":0.00022957574}]},{"text":"to work that out is when you do sell the property, they work out the your basically, your taxable income plus the CGT and work out what tax would be paid there.","start_word":3464,"end_word":3495,"intents":[{"intent":"Discuss property selling","confidence_score":0.031143738}]},{"text":"I can do an initial consultation with her and yourself if you'd like to as well, and we can always sort of look at your goals and look at what we do down the track. Does that sound okay? Does that make sense? Mhmm.","start_word":3808,"end_word":3851,"intents":[{"intent":"Discuss goals","confidence_score":0.031175395}]},{"text":"That sounds from that good. at all? Yeah?","start_word":3858,"end_word":3865,"intents":[{"intent":"Discuss comfort in cdt","confidence_score":0.000014747442}]},{"text":"With the moving into retirement, is there like a like a downsizer clause for selling a property when you retire? There is.","start_word":3866,"end_word":3887,"intents":[{"intent":"Discuss downsizer clause","confidence_score":0.51450473},{"intent":"Discuss retirement transition","confidence_score":0.16385204}]},{"text":"if you guys sell the property this year and say because you're both earning an income, the CDT, you know, pushes you up or you're you need to maybe look at reducing CDT some way, we can also make, concessional contributions in and utilize maybe some, financial year caps or previous five financial years with the caps and things like that.","start_word":3980,"end_word":4040,"intents":[{"intent":"Discuss cdt reduction","confidence_score":0.06355712},{"intent":"Discuss income distribution","confidence_score":0.0046716635}]},{"text":"There are other options available to her in retirement phase.","start_word":4194,"end_word":4203,"intents":[{"intent":"Discuss investment options","confidence_score":0.002939316}]},{"text":"And that's the best one of the things about keeping it in the super system is that I mean, one of the biggest differences actually about keeping it in the super system is that the money you draw down is tax free. And when you're in pension phase, there's no CGT tax or income tax.","start_word":4632,"end_word":4686,"intents":[{"intent":"Address concerns about super system","confidence_score":0.000041299878}]},{"text":"And when you're in pension phase, there's no CGT tax or income tax.","start_word":4674,"end_word":4686,"intents":[{"intent":"Obtain information about pension phase","confidence_score":0.00044272456}]},{"text":"are a lot of advantages to keeping it in the super system, and we have access, as I said, to rep platforms. I also can advise on industry funds.","start_word":4791,"end_word":4819,"intents":[{"intent":"Discuss access to cgt platforms","confidence_score":0.000011096229}]},{"text":"I also can advise on industry funds. We also have access to, like, annuities, lifetime annuities, and things.","start_word":4813,"end_word":4830,"intents":[{"intent":"Offer assistance with other topics","confidence_score":1.4325047e-7}]},{"text":"So we can incorporate Centrelink into things to show her what this looks like, how the draw downs work, how Centrelink can be incorporated, and the longevity she can get out of that.","start_word":4840,"end_word":4872,"intents":[{"intent":"Integrate asset with centrelink","confidence_score":0.00011181851}]},{"text":"So we can incorporate Centrelink into things to show her what this looks like, how the draw downs work, how Centrelink can be incorporated, and the longevity she can get out of that. And then if Mhmm. we're looking at, you know, selling property and what to do with the funds, how to incorporate that into the whole strategy as a whole.","start_word":4840,"end_word":4901,"intents":[{"intent":"Integrate centrelink into strategy","confidence_score":0.32704192}]},{"text":"Well, the the sleep of the retirement thing is really kinda close to home for me just because, you know, you guys work so hard. Everyone works so hard. We go to work. We spend basically a whole lifetime at work. So when we get to retirement, you wanna enjoy those years.","start_word":5014,"end_word":5065,"intents":[{"intent":"Optimize retirement savings","confidence_score":0.008485352}]},{"text":"Because when you think about retirement, most people spend between twenty to forty years. It's a whole another lifetime in retirement. Aged care things to factor in as well. So Mhmm.","start_word":5197,"end_word":5227,"intents":[{"intent":"Discuss retirement planning","confidence_score":0.027237732}]}]},"sentiments":{"segments":[{"text":"Morning. Ellie speaking. Hi, Aleck. It's Dana from OkuFinder Huntail. How are you this morning? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.12246527522802352},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.337282657623291},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.24966317415237427},{"text":"I'm very well. Thank you.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.5381797552108765},{"text":"How's your morning been so far? Pretty busy, but Yeah?","start_word":25,"end_word":34,"sentiment":"neutral","sentiment_score":0.1182505190372467},{"text":"pretty Fantastic.","start_word":35,"end_word":36,"sentiment":"positive","sentiment_score":0.6113632321357727},{"text":"I had you booked in for a bit of a catch up in relation to the email that you did send me.","start_word":37,"end_word":58,"sentiment":"neutral","sentiment_score":0.30323123931884766},{"text":"Is now good.","start_word":59,"end_word":61,"sentiment":"positive","sentiment_score":0.40283632278442383},{"text":"still a good time for you? Yeah. Absolutely.","start_word":62,"end_word":69,"sentiment":"neutral","sentiment_score":0.29622113704681396},{"text":"Oh, fantastic.","start_word":70,"end_word":71,"sentiment":"positive","sentiment_score":0.4328581988811493},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":72,"end_word":104,"sentiment":"neutral","sentiment_score":0.16445186734199524},{"text":"Fantastic.","start_word":105,"end_word":105,"sentiment":"positive","sentiment_score":0.5565958023071289},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file there for Thirty first of the seventh thirty eight and nineteen Amanda Drive. you.","start_word":106,"end_word":149,"sentiment":"neutral","sentiment_score":0.1643553525209427},{"text":"Beautiful. Thank you so much for that.","start_word":150,"end_word":156,"sentiment":"positive","sentiment_score":0.5236063599586487},{"text":"So, Alec, we're looking at I sort of wanted to make sure I was doing a bit of a catch up with you to sort of see how things were going for you guys on that end, but also to give you a little bit of an update on what was happening with your super and the investments there. So I'm not sure if you look at that very often. Do you have a look at the kids' investments and your super on a regular basis or not really? No. I find it best not to. Yeah. No. Understandable. All good. Well, look. I'll give you a really quick update there for you to start with, and then we'll sort of jump into your your other questions there. But, essentially, with the kids investments, they have been starting going quite well. This year, we have seen, as I mentioned in my email, a lot of ups and downs in the market with everything that has been going on. So the returns are slightly less than what we would sort of expect for the first year, but it is also only the first year then. We're not quite at the end of the year with those. So having a look at Cooper's investment, since inception, we're up by 0.26%. So it is a very small return for his so far, but in the last three months, we've seen over 2% of growth there.","start_word":157,"end_word":398,"sentiment":"neutral","sentiment_score":0.0027898495385715785},{"text":"So it is good. It has been working really well.","start_word":399,"end_word":408,"sentiment":"positive","sentiment_score":0.6666513681411743},{"text":"It's just that it's been a lot lower because of the ups and downs the market has seen. With Alessandra's, the since inception, she's up 0.05%. In the last three months, again, we've seen over 2% growth there. So all of the ups and downs that we saw anywhere up until kinda June, April was probably the worst ups and downs we had seen with the market volatility and what was happening between The US and the Iran war. But it's also a buying opportunity because the market was lower, because the investments were essentially down at that point in time.","start_word":409,"end_word":509,"sentiment":"neutral","sentiment_score":-0.02595701813697815},{"text":"The contributions that you guys are putting into those investments as the market recovers and comes back out as we see additional growth and compounding will provide a much more stable amount of growth and definitely some opportunities there moving forward.","start_word":510,"end_word":550,"sentiment":"positive","sentiment_score":0.35693323612213135},{"text":"Do you have any questions about that so far? No. That's fine. Yeah. Yeah. That's okay. I'm I'm pretty sure I'm pretty sure those accounts, the way they're set up, we can only contribute. What is it? An extra 20%? Yeah. Well So over the the each year is a 125%. mhmm. Yeah. But I'm keeping Yeah. an So eye I on think those that's for fine. you. Yeah. Absolutely. All good. And with your super, I'm having a look at things from inception. You're up by 5.77%. And in the last thirty days, your super's made over three there as well with income and growth.","start_word":551,"end_word":656,"sentiment":"neutral","sentiment_score":0.10882247239351273},{"text":"So things are working really well.","start_word":657,"end_word":662,"sentiment":"positive","sentiment_score":0.4468105435371399},{"text":"The markets have been a bit up and down there, but I just wanted to make sure that I was keeping in contact with you and giving you an update over the course of the year and just making sure that we're here to support you through any market volatility. I wasn't really sure if you were looking at them on a regular basis or if you had any concerns about what was going on, but just wanted to make sure that we were able to still make contact and check-in and see how things were going and give you updates as well. So, yeah, just do you have any questions about your super or how it's going at the moment? I know one of the things you wanted to talk about was salary sacrificing there as well. Mhmm. Yeah. Yeah. Maybe not just yet. That's But, okay. yeah, that that's definitely something I'll be looking into.","start_word":663,"end_word":819,"sentiment":"neutral","sentiment_score":0.06345442134388693},{"text":"Fantastic. Excellent.","start_word":820,"end_word":821,"sentiment":"positive","sentiment_score":0.5487039089202881},{"text":"So we'll put salary sacrificing down to sort sort of follow-up down the track there. And you are due to have a full annual view around about November as well, so we can always sort of revisit it then if you'd like to. Does that sound okay? Yeah. That's fine.","start_word":822,"end_word":871,"sentiment":"neutral","sentiment_score":0.1875382959842682},{"text":"Yeah. Fantastic. All good.","start_word":872,"end_word":875,"sentiment":"positive","sentiment_score":0.5440772771835327},{"text":"The other thing that you had on here was that things are going well with the emergency fund. You're putting some money away, getting that sorted, and, hopefully, once your tax return is all completed, you reckon you're pretty close to completing that goal by the end of the year. Is that right? How's that tracking? Yeah. So well, I said I wanted to save $30. I'm at 20 Yeah. 2.5 now.","start_word":876,"end_word":947,"sentiment":"neutral","sentiment_score":0.14506012201309204},{"text":"Fantastic.","start_word":948,"end_word":948,"sentiment":"positive","sentiment_score":0.46161600947380066},{"text":"So we'll we'll yeah. It'll be pretty close. Just see how things Yeah. play out, but I reckon we'll we'll get there hopefully Great.","start_word":949,"end_word":972,"sentiment":"neutral","sentiment_score":0.15845714509487152},{"text":"by Fantastic.","start_word":973,"end_word":974,"sentiment":"positive","sentiment_score":0.3439876437187195},{"text":"December, maybe January next year.","start_word":975,"end_word":979,"sentiment":"neutral","sentiment_score":0.21259929239749908},{"text":"Excellent. You've done really well to get there this quick. That's for sure. All good.","start_word":980,"end_word":994,"sentiment":"positive","sentiment_score":0.5450111627578735},{"text":"And then early next year, yourself and Rachel are gonna put some money aside to get your wills and powers of attorney set up. So you haven't really spoken to a solicitor. I haven't done those as of yet. That's more of a next year scenario. Is that right? Yeah. That's after I save up the emergency fund and that's done and dusted, and then we'll Yep. I'll put the money that I'm currently saving towards putting Getting a little that bit done. away for because it it I I think from the last it's obviously going up now, but I think last time you said it's about $5 to do the whole lot for both of us. Yeah. Yeah. It Somewhere just depends around on that. sort of yeah. It depends on what the solicitor is through, how complex it is. It can be, you know, a couple of grand up to $5 for the two of you to complete a full complex will taking into account, obviously, the properties that you own with your mom. I know you are wanting to sort of look at what to do with those now as well and sort of help your mom move into that retirement phase. Yep. Mhmm. Yeah. That's correct. Yeah. And, Yeah.","start_word":995,"end_word":1208,"sentiment":"neutral","sentiment_score":0.0970044892594636},{"text":"basically, Beautiful.","start_word":1209,"end_word":1210,"sentiment":"positive","sentiment_score":0.465657114982605},{"text":"just looking at the property that we've got over there in Queensland and just having a look at it and just yeah. Because like I said, it's the first time we've done an investment property, and I don't know much. Yeah. Yep. So if you guys can do an like, an assessment of it, is that something So you can do? so what's And just what do you mean by that's okay. Just sort of clarify, what do you mean by yep. assessment? Are you sort of wanting us to look at the value of the property and assess the sale and things like that or where Yeah. And just Right. give Yep. basically, give us give me some feedback in terms of a learning experience, like, if it's a good property that we bought, how to, like, you know, how to analyze the figures because obviously there's a pay to play, which Yep. is the interest component of the property, then there's how to calculate inflation and actually see if the property has done well or if we've lost money on it, you know, that sort of thing. So if we do invest Yep. in the future as well, it's something that I know what to look for Yeah. because it's Yep. not something we've Perfect. done before. Yeah. If that if Yeah. that makes sense. Yeah.","start_word":1211,"end_word":1438,"sentiment":"neutral","sentiment_score":0.09690557640830152},{"text":"Absolutely.","start_word":1439,"end_word":1439,"sentiment":"positive","sentiment_score":0.41530513763427734},{"text":"So you're sort of just looking for a bit of information at the moment around what the growth rate has been, how what it's valued at at the moment, that sort of thing, how it's been growing. Is that sort of what you're after? Yeah. That's right. And whether you know, if Yep.","start_word":1440,"end_word":1492,"sentiment":"neutral","sentiment_score":0.06219365820288658},{"text":"it's not performing that well, and we could probably you'll be better off just selling it, paying off, you know, the home loan on my mom's house and that sort of stuff instead of just, you know, Mhmm. ticking along with it and losing money on it.","start_word":1493,"end_word":1539,"sentiment":"negative","sentiment_score":-0.4036428928375244},{"text":"Or if we're making Yep. money, we're making money on it. Mhmm. That sort Yep. of thing. That's Yeah. that's okay.","start_word":1540,"end_word":1560,"sentiment":"neutral","sentiment_score":-0.016009649261832237},{"text":"That's absolutely fine.","start_word":1561,"end_word":1563,"sentiment":"positive","sentiment_score":0.46083053946495056},{"text":"So when we sort of look at providing advice, where I would wanna maybe start to because this property is technically owned by the two of you, to really Mhmm. incorporate personal advice, I'd need to be able to incorporate your mom. What I can Mhmm. do to start with for you is to maybe do up some general information, general advice on what the property's done. I can obtain the research around the growth rates that it has seen for you, provide maybe some reports to show Mhmm. you, you know, the excerpts on how it's grown, what it's valued at, and all the information around that to start with. Yep. And then we could look at further your goals, what you're wanting to do, what your mom is wanting to do, whether she's wanting Mhmm. to move into retirement. If you were to sell the property, what would you do with the funds from there? Obviously, factor in capital gain scenarios and things like that, we Yep. would definitely need you to also speak to your accountant to find out what the CGT consequences might look like, and then kinda come back and look at personal advice in relation to that. Does that make sense, and does that sound okay with you? Mhmm. Yeah. That's that's spot Yep. on. Yep. Yep.","start_word":1564,"end_word":1786,"sentiment":"neutral","sentiment_score":0.08663923641658418},{"text":"Perfect. Excellent.","start_word":1787,"end_word":1788,"sentiment":"positive","sentiment_score":0.6182352304458618},{"text":"So what I'll do is I'll obtain some information. Now can I grab the address of the property so I can go back and do that research for Yep. So when we originally it was Unit 95307 Rate, you? Hanford Road in Taegham. One second. How But do you this spell place Anthem Road? Sorry. Just Hanford. so I have it right. Yeah. It's H A N D Yep. F O R D.","start_word":1789,"end_word":1861,"sentiment":"neutral","sentiment_score":0.0425635427236557},{"text":"Fantastic.","start_word":1862,"end_word":1862,"sentiment":"positive","sentiment_score":0.3897125720977783},{"text":"Road. Yep. Yep. In Taigum, Tatum, how do you spell T A that? I G u m. Beautiful. And that's Queensland? Yep. Yep.","start_word":1863,"end_word":1885,"sentiment":"neutral","sentiment_score":0.05374785140156746},{"text":"Fantastic. Excellent. Lovely.","start_word":1886,"end_word":1888,"sentiment":"positive","sentiment_score":0.4516300559043884},{"text":"Yeah. And Okay. after Yeah. after the development after they finished the development, because we bought it off the plan, it's being redone as 10 Radiant Street Yep. because they put the access road in. Yep. Perfect. Excellent. And when was that developed? When did you have that purchase of the plan originally? I have to look up the exact date for you. That's But okay, honestly, even just an estimated year. okay. So we originally started talking about it in 2015, 2016. So Yep. pretty much ten years ago now. Yep.","start_word":1889,"end_word":1980,"sentiment":"neutral","sentiment_score":0.01580223999917507},{"text":"Perfect. Excellent.","start_word":1981,"end_word":1982,"sentiment":"positive","sentiment_score":0.3722193241119385},{"text":"And when it sort of comes down to down the track with selling the property, I know one of the things we talked about, you know, a bit over a year ago was that you were looking down the track to sell one of these properties because the other one your mom lives in as her main primary residence. Is that right? Yeah. So the plan was I think originally what we talked about is just to have the investment, Yep. let it grow, and then Yep. sell it and cover the mortgage of my mom's principal place of residence, which we also Yep. half own. Yep.","start_word":1983,"end_word":2089,"sentiment":"neutral","sentiment_score":0.03242018803188177},{"text":"Perfect.","start_word":2090,"end_word":2090,"sentiment":"positive","sentiment_score":0.5595614314079285},{"text":"And so And just then sort of checking you're right. mhmm. So sorry. My my apologies. I like you continue. Sorry. Yeah. And then split whatever we've got left over. So maybe put if we have anything left over, put half to my mom's what do you call it? Into, like, a super retirement fund and, yeah, obviously, Yep. half to myself, providing there's anything left over. But we're we've always Yeah. sort of thought to look at at least getting to that stage where we'll cover both the mortgages. Yep. And then, yeah, just go from there. Yep. And, Yeah. obviously, No. hopefully, That's okay. before my mom looks looks to retire. Yeah. Okay. Perfect. So your mom isn't retired as of yet. She's still working currently? Yeah. Still working full time. Yep.","start_word":2091,"end_word":2224,"sentiment":"neutral","sentiment_score":0.029085569083690643},{"text":"Perfect. Excellent. Lovely.","start_word":2225,"end_word":2227,"sentiment":"positive","sentiment_score":0.6264830827713013},{"text":"So what I could do if you're comfortable to start with is we'll start by just with some general information, general advice. I can obtain the information on the the research material on the property itself, the growth rates, how it has grown, estimated value based on current research. I can send that to you so you can have a bit of a look at it, a read through. We can then sort of come back and discuss that if you want to. And then it's Mhmm. it's a matter of having a conversation with your mom, looking at whether it's worth you guys selling it now, looking at the CGT consequences. Because the other thing to consider is if it's a rent if it's been a rent investment property, you're gonna have to pay CDT tax. So Yep. making sure that speaking to your accountant would be a good one and estimating the CDT tax based on any other deductions that you can have a look at to kind of reduce that as much as possible. The other thing to sort of think about is whether you wanna sell that now or whether you wanna hold off until after the new CGT rules come into play. Because the other thing is, I don't know if you sort of had a look at, with all the new legislative changes going through. There is a change to capital gains tax as of the July 1 year. Have you had a look at those rules or had an under have an understanding of what they mean? Or Have a vague understanding, but sorry. I've yeah. got a vague idea of what they are, but not quite an understanding of what they mean in a No. particular That's, situation. yeah, So I think they've that's absolutely dropped fine. to did it Yeah. change to 33% or something? Yeah. So, essentially, what it means is there's gonna be two sort of capital gains rules that apply. Mhmm. There's the current rules, and then there's the newer rules as of the July 1. So any investment property that you do own now, if you continue to hold up until, say, the June 30 year, will essentially, under the rules, be seen by the ATO as having been sold on the June 30 year and then repurchase back on the July 1. So any capital gain you've received from the property from purchase date to the end of that of June next financial year will go under the current rules, which gives you the option of the 50% discount. Then Mhmm. after the July 1 next year, then they'll have a new rule. And they're essentially seeing you as holding the asset as you disposing Mhmm. of it on one day and then rebuying it back the next day. You won't physically have to do any of that. It's just like an administrative thing. So they can say, as of that, this is June 2027, up and you own the property from this date to here. Yep. That is all under the grandfathered tax or CGT rules. The new rules essentially means that Nope. when a property is sold, there's a whole fun math equation around doing it. But they the tax is a minimum of 30%, and that will apply from the July 1 next year until you dispose of the property then. So it means that when if you do keep the property longer and sell it after the July Nope. 1, your Nope. accountant has to take into account two different tax rules for different portions of the property. And Okay. they are suggesting people get properties evaluated around that time just to sort of see what the evaluations Yep. are to have a record keeping thing. So it's just sort of probably important once I get this research through that and I can pop that in the email for you as well. Just maybe have that conversation with your mom, look at whether it Mhmm. is worth selling it now or whether you wanna hold off. Yep.","start_word":2228,"end_word":2912,"sentiment":"neutral","sentiment_score":0.024847650617687372},{"text":"You can also speak to your account and can get them to do, like, a mock mock tax return for you to sort of show you the estimated CGT might be, taking into account any deductions that they might know that you're able to assess.","start_word":2913,"end_word":2957,"sentiment":"positive","sentiment_score":0.33448487520217896},{"text":"That way, you can look at if you were to sell the property, is that gonna cover both the loans? Is it and how else do you how do you pay that tax? Is also gonna cover the tax bill that you might have based on that as well. Mhmm. Does that make Yep. sense? Yeah. It does. And would you be Yeah. able to do the evaluation on our behalf if we don't sell We it by the end of next year, or is that we something we've don't, got organized? yeah, we're not able to do evaluations on property. We're able to access research material for you Mhmm. and look at research around the property area, the address itself, and get growth rates and things because it's all part of the invest investment stuff. Yep. But you would need an actual valuer to go and do a proper valuation of the property. There are probably companies in your area. I could maybe even Google a couple of different options for you, like places in your area to see if you maybe wanna contact them, find out what they might charge to do so, and sorta Yep.","start_word":2958,"end_word":3155,"sentiment":"neutral","sentiment_score":0.06591900737222398},{"text":"have That'd that be conversation great.","start_word":3156,"end_word":3161,"sentiment":"positive","sentiment_score":0.49645838141441345},{"text":"with your mom to look at what your options are if you keep the property longer than, you know, the the June 30. Does that sound okay? Mhmm. Yeah.","start_word":3162,"end_word":3190,"sentiment":"neutral","sentiment_score":0.14414896070957184},{"text":"That sounds great. Yep. Beautiful. Trust me.","start_word":3191,"end_word":3197,"sentiment":"positive","sentiment_score":0.5074126720428467},{"text":"I'm in the same boat. I've got my investment property, and we're doing the same thing. I was like, I said to my husband, guess what we're doing next year? Yeah. But So no. There's there's you're right. Sorry. Yeah. so just so I got this straight, so as of the Mhmm. end of June next year, how does that work? Do they just clear the slate and start again from whatever the current value of the property is, and then from that year onwards, they do the capital gains? Yeah. So what they're gonna essentially do is they'll assume they it's a pay administrative thing where you've held the property from, say, 2016 up until June 30 next year. Yep. On paper, your accountant needs to note that that up until June 30, this was the at June 30, this was the value of the property. This is what you bought it for. This would essentially be the capital gains based on that time frame under the grandfathered, so current rules now. Mhmm. As of the July 1, they assume that you've they assume the new valuation of the property, which would be the value as of thirtieth of thirtieth of June next year. And then from there onwards, you're under the new capital gains rules, and Yep. it just any gains from then onwards are under the new capital gains rules. So Yeah. it And essentially that'll be done means under the different different tax rate. that's exactly right. Yeah. So it's a minimum Okay. of 30%. And the way they have Yep. to work that out is when you do sell the property, they work out the your basically, your taxable income plus the CGT and work out what tax would be paid there. Then they have Mhmm. to do the secondary equation where it's your your income tax minus the without taking into effect the capital gains and then Mhmm. working out whether the difference, the CGT, is under 30 or over 30%. If it's Mhmm. over 30%, you'll probably get a refund. If it's under 30%, then you've gotta pay a top up amount to cover that.","start_word":3198,"end_word":3559,"sentiment":"neutral","sentiment_score":0.02176005918614937},{"text":"So it's unfortunately, accountants have a really, really terrible job ahead of them to work this stuff out, but there is a lot to do.","start_word":3560,"end_word":3584,"sentiment":"negative","sentiment_score":-0.5244234800338745},{"text":"And it's just about working out whether you sell the property now, whether it's what you guys wanna do, or whether you wanna hold on to it for a bit longer, or whether it has valued enough that you will cover both the loans and possibly Mhmm. the CGT consequences with that as well. Does that make sense? Okay. Yeah. So we we've got roughly about, what is it, ten months to Yeah. evaluate it and sort of go from there. Yeah.","start_word":3585,"end_word":3666,"sentiment":"neutral","sentiment_score":-0.06387628614902496},{"text":"Yeah. Beautiful. Not a problem. Well, I'll start by getting that research material for you.","start_word":3667,"end_word":3681,"sentiment":"positive","sentiment_score":0.4083764553070069},{"text":"I'll email through and break down a bit of an email on what we've got the growth rates, the expected value, and the information in that so you have it.","start_word":3682,"end_word":3711,"sentiment":"neutral","sentiment_score":0.30581557750701904},{"text":"And then you can definitely take that back, have a chat to your mom, look at what you guys wanna do.","start_word":3712,"end_word":3732,"sentiment":"positive","sentiment_score":0.4233470559120178},{"text":"If she Mhmm. would like to then discuss because I know in the email, one of the things was looking at helping to get her into retirement phase. If she would like to then seek advice with you and look at the selling of the property, what we do with the funds on either side of it for each of you, getting her into retirement, then we can come back and have that conversation.","start_word":3733,"end_word":3806,"sentiment":"neutral","sentiment_score":0.26412340998649597},{"text":"I can do an initial consultation with her and yourself if you'd like to as well, and we can always sort of look at your goals and look at what we do down the track.","start_word":3807,"end_word":3841,"sentiment":"positive","sentiment_score":0.3784126937389374},{"text":"Does that sound okay? Does that make sense? Mhmm. Do you have further Yeah. questions Yeah.","start_word":3842,"end_word":3857,"sentiment":"neutral","sentiment_score":0.14984656870365143},{"text":"That sounds from that good.","start_word":3858,"end_word":3862,"sentiment":"positive","sentiment_score":0.5356850028038025},{"text":"at all? Yeah? With the moving into retirement, is there like a like a downsizer clause for selling a property when you retire? There is. You can utilize a downsize contribution. However, it has to be on your main primary residence. They don't allow Okay. the contributions for investment properties, Mhmm. but there are other contributions that we can definitely use. So it's not the only way. They also do allow for non concessional contributions, which are after tax contributions, very Mhmm. similar to a downsizer, but it's you know, you can use the proceeds from your investment property to put in there. That's Mhmm.","start_word":3863,"end_word":3967,"sentiment":"neutral","sentiment_score":0.06307904422283173},{"text":"a 100% of the proceeds are invested, which is great.","start_word":3968,"end_word":3977,"sentiment":"positive","sentiment_score":0.5129009485244751},{"text":"Or Yep. if you guys sell the property this year and say because you're both earning an income, the CDT, you know, pushes you up or you're you need to maybe look at reducing CDT some way, we can also make, concessional contributions in and utilize maybe some, financial year caps or previous five financial years with the caps and things like that. So there are other things that we can do, but the downsizer is primarily for having owned a main primary residence and selling that property.","start_word":3978,"end_word":4065,"sentiment":"neutral","sentiment_score":-0.014310956932604311},{"text":"They don't really allow you to use it for an investment, unfortunately.","start_word":4066,"end_word":4077,"sentiment":"negative","sentiment_score":-0.384803831577301},{"text":"Mhmm. Okay. No. That's Yeah. alright. And Yeah. what is I have one more question. That's Hang that's on. okay. Let me You're fine. oh, so with my mom's super account, so I think Mhmm. she's just got whatever super she's got through her work. Yep. Now I Yes. know you've redone me into, like, a rep account, and I know that's a little bit easier to switch over into the retirement phase. So you still keep the, what do you call it, the lump sum invested and just live off the, I suppose, the drawdown of dividends. Yeah. Is that what we sort of done? Yep. Yeah. So that's essentially what what we can do. There are other options available to her in retirement phase. So we can also look at lifetime Mhmm. No. annuities. We can look at how to you know, the platform that you've got as well as as other platforms there, how funds are invested. Again, the same as with yourself. We look at the risk profiling and how we invest funds to try and get the most out of the income. One of the biggest Mhmm. difference between your phase of life and hers is that you're taking on a bit more risk now because you're still accumulating your wealth. Whereas your mom Mhmm. in that sort of phase is not wanting to take as much risk. We don't wanna see large ups and downs in retirement phase. We kinda wanna see it a bit smoother. And because we're drawing income down, we Yep. wanna have investments that are also producing income so that Mhmm. we're essentially not taking as much of our capital and keeping as much of our capital invested as we can to give us longevity. But if that's Yep. something she would like to look at, I can email you after the call a copy of our financial services guide, which outlines who we are, what we do the services. We provide the fees, all the things that you can give to her. And Mhmm. then if you wanna come back and do a bit of an initial meeting or a conversation by Teams or however suits the two of you, we can do that together and sort of put a bit more out there about what her circumstances look like, what she's after, and sort of help to, you know, start the advice process for her. I try Mhmm. to sort of do things like that in more of their comfort level. I never want anyone to feel forced to come in and seek advice.","start_word":4078,"end_word":4513,"sentiment":"neutral","sentiment_score":0.11914196228523048},{"text":"So doing things slowly and within your mom's comfort level is absolutely really important.","start_word":4514,"end_word":4527,"sentiment":"positive","sentiment_score":0.5166435837745667},{"text":"But, yeah, if you Yeah. want, So I can absolutely email this financial services guide through. I'll email you with just a recap of our conversation as well just to kind of in case you have additional questions that come back that you need answered, mhmm. Mhmm. and then I'll go back and get that researched for you. Does that sound Yeah. fairly That sounds okay?","start_word":4528,"end_word":4593,"sentiment":"neutral","sentiment_score":0.22212624549865723},{"text":"good.","start_word":4594,"end_word":4594,"sentiment":"positive","sentiment_score":0.4518446922302246},{"text":"Yeah. So Yep. we don't necessarily wanna just take everything out of my mom's sleep or put it into a savings account and just live off that. We still want it invested sort Yeah. of thing.","start_word":4595,"end_word":4630,"sentiment":"neutral","sentiment_score":0.08459459245204926},{"text":"Absolutely. And that's the best one of the things about keeping it in the super system is that I mean, one of the biggest differences actually about keeping it in the super system is that the money you draw down is tax free.","start_word":4631,"end_word":4673,"sentiment":"positive","sentiment_score":0.37710970640182495},{"text":"And when you're in pension phase, there's no CGT tax or income tax. Whereas if you were to take all that money out of the super system and put it into a bank account, Mhmm. they don't have those same tax effectiveness. The money that you make from that savings account has to be considered for taxation purposes. And the money often doesn't make as much of a return as well. It doesn't keep up with, you know, CGT. You also have a lot more access to that money. It's easier to sort of draw on if you need it, so people tend to to burn through those funds a lot quicker as well. So there Mhmm.","start_word":4674,"end_word":4790,"sentiment":"neutral","sentiment_score":0.10938838869333269},{"text":"are a lot of advantages to keeping it in the super system, and we have access, as I said, to rep platforms.","start_word":4791,"end_word":4812,"sentiment":"positive","sentiment_score":0.4251927435398102},{"text":"I also can advise on industry funds. We also have access to, like, annuities, lifetime annuities, and things. And I also do Centrelink advice as well. So we can incorporate Centrelink into things to show her what this looks like, how the draw downs work, how Centrelink can be incorporated, and the longevity she can get out of that. And then if Mhmm. we're looking at, you know, selling property and what to do with the funds, how to incorporate that into the whole strategy as a whole.","start_word":4813,"end_word":4900,"sentiment":"neutral","sentiment_score":0.25493721291422844},{"text":"So there's all those different aspects that we can certainly help her with, and it it sounds like it'd be something that you'd be you know, happy to be involved in to sorta help her along as well, and we're more than happy to incorporate those two of you into that if that's what you'd like to do.","start_word":4901,"end_word":4958,"sentiment":"positive","sentiment_score":0.5698195695877075},{"text":"Yeah. Yep. No.","start_word":4959,"end_word":4961,"sentiment":"neutral","sentiment_score":0.196317657828331},{"text":"It sounds good. Fantastic. There's a lot to it.","start_word":4962,"end_word":4970,"sentiment":"positive","sentiment_score":0.43795326352119446},{"text":"Sorry. Not everything's No. straightforward. That that's fine. But Yeah. yeah. No. I I realized that. And, yeah, that's why I sorta Yeah. went to you guys for some advice because I Absolutely. know there's more than one way to do things.","start_word":4971,"end_word":5012,"sentiment":"neutral","sentiment_score":0.09898456931114195},{"text":"Perfect. Well, the the sleep of the retirement thing is really kinda close to home for me just because, you know, you guys work so hard.","start_word":5013,"end_word":5038,"sentiment":"positive","sentiment_score":0.3772730529308319},{"text":"Everyone works so hard. We go to work. We spend basically a whole lifetime at work.","start_word":5039,"end_word":5054,"sentiment":"neutral","sentiment_score":0.27953797578811646},{"text":"So when we get to retirement, you wanna enjoy those years.","start_word":5055,"end_word":5065,"sentiment":"positive","sentiment_score":0.4176819920539856},{"text":"And one of the biggest things to take into consideration nowadays is that super wasn't a thing until the early nineties, and it's been gradually increasing over time. So, you know, most people in your mom's stage and my mom's about to retire as well, and she has very little super, and we've been boosting it up as much as possible. But they don't have as much as you and I are gonna end up with when we get there. So it's about Mhmm.","start_word":5066,"end_word":5149,"sentiment":"neutral","sentiment_score":0.09088454395532608},{"text":"utilizing what we've been able to get, how we, you know, offset that with Centrelink and other ways and make the best of that So it gives them as much of a life as possible, and also as much longevity out of their money as possible.","start_word":5150,"end_word":5195,"sentiment":"positive","sentiment_score":0.3784079849720001},{"text":"Because when you think about retirement, most people spend between twenty to forty years. It's a whole another lifetime in retirement. Aged care things to factor in as well. So Mhmm. there's a lot there's a whole another, you know, a lifetime of events, of longevity, and of spending that needs to be accounted for in that time frame. So, you know, retirement is very much close to close to home for me a little bit.","start_word":5196,"end_word":5271,"sentiment":"neutral","sentiment_score":-0.0027658918406814337},{"text":"So if your mom's open to having that conversation, let me know. I'm happy to book in a time. We can do Teams or phone call, whatever suits you so she's more comfortable, and we can definitely go from there.","start_word":5272,"end_word":5311,"sentiment":"positive","sentiment_score":0.4698566794395447},{"text":"And for the moment, I'll send the financial services guide through so you can give that to her, and she's welcome to have a look at that. And if you guys have additional questions, just email me, call me. You can ask anything you like, and I'll always make time to answer those questions for you. Okay?","start_word":5312,"end_word":5368,"sentiment":"neutral","sentiment_score":0.25771352648735046},{"text":"Not a problem. It sounds great. Easy. Thank you so much.","start_word":5369,"end_word":5379,"sentiment":"positive","sentiment_score":0.6304304599761963},{"text":"Is there any other questions that might have kinda come up for the moment there, Alex? No. That's pretty much all I wanted to look at for the immediate future. Like Yep. I mentioned before, we'll probably look at doing something with Rachel's house and, like, eventually, Yep. in a few more years, we'll look at Yep. moving out and possibly upgrading to another property, but that's at least ten years down the track. Yep. Yep. Yep. No. That's That's after okay. kids have finished high school. Absolutely. No. Not a problem at all. Well, I'll start by getting this research for you. I'll send you an email shortly with the FSD and a recap of our conversation just going through the questions that you did ask, and then I'll get the research to you as soon as I'm able to grab that and complete for you. And then we can go from there. If you have additional questions, come back and let me know, and we can have a look at, you know, where to go from there for you. Okay? Mhmm. No worries.","start_word":5380,"end_word":5564,"sentiment":"neutral","sentiment_score":0.12242137628632624},{"text":"Thank you. Easy. Not a problem at all. I hope you have a good day.","start_word":5565,"end_word":5579,"sentiment":"positive","sentiment_score":0.5800591707229614},{"text":"Are you working Yeah. Yeah. Absolutely. today? Yep. Yep.","start_word":5580,"end_word":5588,"sentiment":"neutral","sentiment_score":0.1837431043386459},{"text":"Well, enjoy your day, and I hope you guys have a great weekend.","start_word":5589,"end_word":5601,"sentiment":"positive","sentiment_score":0.6791072487831116},{"text":"Do you got good weather at least? Is it nice and warm over there at the moment? It was, like, three degrees this morning, Oh, yuck. so I had to wash ice off my car. It was a bit chilly. Yeah. Yeah. No. Look. Happily, it's not that cold here in Queensland, but you know? No. All good.","start_word":5602,"end_word":5659,"sentiment":"neutral","sentiment_score":0.007854849100112915},{"text":"I like well, thank you so much for your time.","start_word":5660,"end_word":5669,"sentiment":"positive","sentiment_score":0.6196192502975464},{"text":"I'll let you go because I know you are busy, and I'll start by getting those emails through to you, and we'll go Alright.","start_word":5670,"end_word":5693,"sentiment":"neutral","sentiment_score":0.2553853988647461},{"text":"Great. Thank you. Thanks for from your time. there. Alright.","start_word":5694,"end_word":5703,"sentiment":"positive","sentiment_score":0.6120468974113464},{"text":"Okay?","start_word":5704,"end_word":5704,"sentiment":"neutral","sentiment_score":0.3238961696624756},{"text":"My pleasure. See you later. Talk to you soon. Have a great See day. you later.","start_word":5705,"end_word":5720,"sentiment":"positive","sentiment_score":0.5232845544815063},{"text":"Bye. Bye.","start_word":5721,"end_word":5722,"sentiment":"neutral","sentiment_score":0.17419151961803436}],"average":{"sentiment":"neutral","sentiment_score":0.10908922946068549}}}}