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Now just because of the sensitive nature of the information, are you okay to confirm the security with me, sir? Just the date of birth and address, please. And just your date of birth, please? Awesome. Thank you so much for that. I do appreciate it. How have you both been recently? Good to hear. Good to hear. I was having a bit of a look on the accounts this morning. Still no movement from the ATO. They still seem to be dragging their feet. I'm not sure if you've checked yourself as well. Gotcha. Okay. Not too bad. That's good to hear. 53. Oh, jeez. Bit of a waiting difference between the two. Yeah. I actually appreciate you. Yeah. Yeah. No. I still expect to to be a little while longer, and they go through that automatic process. Again, they're pretty slow with it, but I did have a bit of an update for you with regards to the complaint that you raised. So we did a pretty thorough investigation. I do apologize. It took a few weeks to go through everything. There was a lot of years of file notes and everything to go through. One of the things I wanted to sort of mention was that, originally, we looked through the previous advice that you were given for the contributions, but the advice document only mentioned non concessional contributions, so we were a bit confused. We dug a little bit deeper into the file, looking at file notes and emails. We did find an email mentioning the concessional contributions and the need to do the NOI. So that was actually mentioned back in, I believe, the 2023 or early twenty twenty four, I believe. Now because of that email mentioning the concessional contributions, realistically, the conclusion of the investigation is that whether Oakview Financial or QC accountant, somebody should have picked that up and gone through with the NOI with you. K? So I've raised it up the chain, passed the head of advice to the directorship, and I did mention that you were wanting to at least look at the differences in the taxes that would have been paid had you actually claimed the NOI if that rings a bell from our last conversation. Yep. They're happy to do that, but they wanna do a bit more of an accurate calculation just because it might just be a tad more than that. We just wanna actually check Marsha's marginal tax rate for that financial year. So I was going to ask you this morning, would you guys be okay to provide her twenty twenty three, twenty four income tax assessment so we can finalize that calculation for you? Cool. And do you have any of our sorry. Go ahead. Perfect. Perfect. So if we can find out what her sort of go ahead. Yeah. It was twenty twenty three twenty four, so it was a good couple of years ago now. Now do you think, Moshe would be able to have a record of her income tax assessment either from the accountants or the government or the myGov account, do you think she'd be able to obtain it? Yeah. It'll be on myGov for sure if you can go into if she can go into the inbox there and grab the old assessments for 2324, that would be fantastic. Do you have any of our email contact details to forward it through? Yeah. K. Because if you just need to write a new Yeah. Perfect. All we're really looking for is we've got a number of sort of administration inboxes that we can access. So if you find, like, an info@OakviewFinancial.com.au or a support or review or anything like that, that would be good. If it is an individual, maybe just give us a quick buzz and let us know who you're sending it through to. K? That should pretty much allow us to do a bit of a calculation this week, and then I will send it off for approval for a reimbursement. Is that okay? Perfect. The other thing I was gonna mention was your idea last time as well. Once we get past June 30, we should actually have eclipse the period to do those recontributions. So once the government does do their withdrawals, if you wanna wait a few months and do some another round of contributions, if that's your preference, We can organize that with you rather than trying to get it invested into the investment account. Just wanted to sort of gauge why you'd like to go with it. For superannuation? Yeah. So why don't we once the funds are released, why don't we go through, and I'll have a talk with the guys about any rumors of legislative changes? And then maybe we can put a bit of a plan together about how much should go into investment versus pension, and we'll kind of just navigate the minefield a little bit. I do know they do tend to grandfather a lot of things when it comes to superannuation, so that's a pretty safe space. But you're right. When it comes to capital gains tax, I know they're going for property and inheritance mainly, probably be the main direction. But if there's any risk of getting it invested or keeping it in there, I can definitely kind of incorporate that in a plan for you for, I guess, the financial year. Yeah. Which would not be the most fun thing for all Australian investors because that's a very important it's a very important provision for us to actually be able to have some incentive to invest and grow wealth. So Gotcha. Okay. That sounds like a pretty reasonable price. Yeah. So especially if they look to change those, I'll I'll put a few notes on the account and we'll kind of, again, plan out the financial years a little bit. And if we go to do that, I'd like to do it at similar time frames, especially because we have to wait until the new financial year to make those contributions anyway, whether it's liquidated or withdrawn. So once it's withdrawn, if you wanna keep that in savings until we go through that plan in July, then we can do the contributions then if that's okay. Absolutely. And if you do notice a a large sum of money hit your bank account, if you could just give us a call when you know, I can start working on some plans and doing a bit of research for you. Perfect. So just to make sure I've got all of this correct, we'll go through and if you guys can send through the twenty twenty three, twenty four income tax assessment for Mercia, then give us a contact once you have the withdrawn funds from super, and then we'll look to do the full three years with Mercia in the '26 '20 2627 financial year. And then once your cap kind of resets, we'll look to do a further amount following financial year. And then in the interim, we'll look at possibly moving as much of the investment account to the super environment as possible in pension phase, and we'll keep some funds in the interest savings account until we can do those contributions. Perfect. Alright. I've got all that noted down. Is there anything else, any other questions, or anything I can do for you, sir? Perfect. I do appreciate you taking my call first thing in the morning. Thank you so much for that. And if you can, again, just flick through that email. If you have any trouble or it's going to an individual, if you can just give us a call to let us know who you're sending us through to, that would be fantastic. Thank you, Richard. 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morning, Richard. It's Tommy here from Oakview Financial. How are you doing? So is it a good time to have a bit of an update with you this morning? Fantastic.\n\nNow just because of the sensitive nature of the information, are you okay to confirm the security with me, sir? Just the date of birth and address, please. And just your date of birth, please? Awesome. Thank you so much for that.\n\nI do appreciate it. How have you both been recently? Good to hear. Good to hear. I was having a bit of a look on the accounts this morning.\n\nStill no movement from the ATO. They still seem to be dragging their feet. I'm not sure if you've checked yourself as well. Gotcha. Okay.\n\nNot too bad. That's good to hear. 53. Oh, jeez. Bit of a waiting difference between the two.\n\nYeah. I actually appreciate you. Yeah. Yeah. No.\n\nI still expect to to be a little while longer, and they go through that automatic process. Again, they're pretty slow with it, but I did have a bit of an update for you with regards to the complaint that you raised. So we did a pretty thorough investigation. I do apologize. It took a few weeks to go through everything.\n\nThere was a lot of years of file notes and everything to go through. One of the things I wanted to sort of mention was that, originally, we looked through the previous advice that you were given for the contributions, but the advice document only mentioned non concessional contributions, so we were a bit confused. We dug a little bit deeper into the file, looking at file notes and emails. We did find an email mentioning the concessional contributions and the need to do the NOI. So that was actually mentioned back in, I believe, the 2023 or early twenty twenty four, I believe.\n\nNow because of that email mentioning the concessional contributions, realistically, the conclusion of the investigation is that whether Oakview Financial or QC accountant, somebody should have picked that up and gone through with the NOI with you. K? So I've raised it up the chain, passed the head of advice to the directorship, and I did mention that you were wanting to at least look at the differences in the taxes that would have been paid had you actually claimed the NOI if that rings a bell from our last conversation. Yep. They're happy to do that, but they wanna do a bit more of an accurate calculation just because it might just be a tad more than that.\n\nWe just wanna actually check Marsha's marginal tax rate for that financial year. So I was going to ask you this morning, would you guys be okay to provide her twenty twenty three, twenty four income tax assessment so we can finalize that calculation for you? Cool. And do you have any of our sorry. Go ahead.\n\nPerfect. Perfect. So if we can find out what her sort of go ahead. Yeah. It was twenty twenty three twenty four, so it was a good couple of years ago now.\n\nNow do you think, Moshe would be able to have a record of her income tax assessment either from the accountants or the government or the myGov account, do you think she'd be able to obtain it? Yeah. It'll be on myGov for sure if you can go into if she can go into the inbox there and grab the old assessments for 2324, that would be fantastic. Do you have any of our email contact details to forward it through? Yeah.\n\nK. Because if you just need to write a new Yeah. Perfect. All we're really looking for is we've got a number of sort of administration inboxes that we can access. So if you find, like, an info@OakviewFinancial.com.au or a support or review or anything like that, that would be good.\n\nIf it is an individual, maybe just give us a quick buzz and let us know who you're sending it through to. K? That should pretty much allow us to do a bit of a calculation this week, and then I will send it off for approval for a reimbursement. Is that okay? Perfect.\n\nThe other thing I was gonna mention was your idea last time as well. Once we get past June 30, we should actually have eclipse the period to do those recontributions. So once the government does do their withdrawals, if you wanna wait a few months and do some another round of contributions, if that's your preference, We can organize that with you rather than trying to get it invested into the investment account. Just wanted to sort of gauge why you'd like to go with it. For superannuation?\n\nYeah. So why don't we once the funds are released, why don't we go through, and I'll have a talk with the guys about any rumors of legislative changes? And then maybe we can put a bit of a plan together about how much should go into investment versus pension, and we'll kind of just navigate the minefield a little bit. I do know they do tend to grandfather a lot of things when it comes to superannuation, so that's a pretty safe space. But you're right.\n\nWhen it comes to capital gains tax, I know they're going for property and inheritance mainly, probably be the main direction. But if there's any risk of getting it invested or keeping it in there, I can definitely kind of incorporate that in a plan for you for, I guess, the financial year. Yeah. Which would not be the most fun thing for all Australian investors because that's a very important it's a very important provision for us to actually be able to have some incentive to invest and grow wealth. So Gotcha.\n\nOkay. That sounds like a pretty reasonable price. Yeah. So especially if they look to change those, I'll I'll put a few notes on the account and we'll kind of, again, plan out the financial years a little bit. And if we go to do that, I'd like to do it at similar time frames, especially because we have to wait until the new financial year to make those contributions anyway, whether it's liquidated or withdrawn.\n\nSo once it's withdrawn, if you wanna keep that in savings until we go through that plan in July, then we can do the contributions then if that's okay. Absolutely. And if you do notice a a large sum of money hit your bank account, if you could just give us a call when you know, I can start working on some plans and doing a bit of research for you. Perfect. So just to make sure I've got all of this correct, we'll go through and if you guys can send through the twenty twenty three, twenty four income tax assessment for Mercia, then give us a contact once you have the withdrawn funds from super, and then we'll look to do the full three years with Mercia in the '26 '20 2627 financial year.\n\nAnd then once your cap kind of resets, we'll look to do a further amount following financial year. And then in the interim, we'll look at possibly moving as much of the investment account to the super environment as possible in pension phase, and we'll keep some funds in the interest savings account until we can do those contributions. Perfect. Alright. I've got all that noted down.\n\nIs there anything else, any other questions, or anything I can do for you, sir? Perfect. I do appreciate you taking my call first thing in the morning. Thank you so much for that. And if you can, again, just flick through that email.\n\nIf you have any trouble or it's going to an individual, if you can just give us a call to let us know who you're sending us through to, that would be fantastic. Thank you, Richard. Have a fantastic day.","paragraphs":[{"sentences":[{"text":"Good morning, Richard.","start":4.08,"end":4.96,"sentiment":"neutral","sentiment_score":0.2902766466140747},{"text":"It's Tommy here from Oakview Financial.","start":4.96,"end":6.56,"sentiment":"neutral","sentiment_score":0.23997954030831656},{"text":"How are you doing?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23900852724909782},{"text":"So is it a good time to have a bit of an update with you this morning?","start":9.2,"end":12.98,"sentiment":"positive","sentiment_score":0.36065448732937083},{"text":"Fantastic.","start":14.925,"end":15.425,"sentiment":"positive","sentiment_score":0.5736571550369263}],"sentiment":"neutral","sentiment_score":0.3216620880749918,"num_words":31,"start":4.08,"end":15.425},{"sentences":[{"text":"Now just because of the sensitive nature of the information, are you okay to confirm the security with me, 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well.","start":53.46,"end":55.399998,"sentiment":"neutral","sentiment_score":-0.11468502258261044},{"text":"Gotcha.","start":63.699997,"end":64.2,"sentiment":"neutral","sentiment_score":-0.03551649674773216},{"text":"Okay.","start":71.945,"end":72.445,"sentiment":"neutral","sentiment_score":0.03608226031064987}],"sentiment":"neutral","sentiment_score":-0.23261313945055007,"num_words":25,"start":49.754997,"end":72.445},{"sentences":[{"text":"Not too bad.","start":74.105,"end":74.745,"sentiment":"neutral","sentiment_score":0.07192840923865636},{"text":"That's good to hear.","start":74.745,"end":75.885,"sentiment":"neutral","sentiment_score":0.1567111276090145},{"text":"53.","start":79.880005,"end":80.94,"sentiment":"neutral","sentiment_score":-0.005601975135505199},{"text":"Oh, jeez.","start":81.560005,"end":82.3,"sentiment":"neutral","sentiment_score":-0.02524093072861433},{"text":"Bit of a waiting difference between the two.","start":82.840004,"end":84.68,"sentiment":"neutral","sentiment_score":-0.08132600877434015}],"sentiment":"neutral","sentiment_score":0.007552101742476225,"num_words":18,"start":74.105,"end":84.68},{"sentences":[{"text":"Yeah.","start":84.68,"end":84.92,"sentiment":"neutral","sentiment_score":-0.0010905135422945025},{"text":"I actually appreciate you.","start":84.92,"end":86.380005,"sentiment":"neutral","sentiment_score":0.04456379450857639},{"text":"Yeah.","start":92.215004,"end":92.715004,"sentiment":"neutral","sentiment_score":-0.02616559900343418},{"text":"Yeah.","start":100.950005,"end":101.35,"sentiment":"neutral","sentiment_score":-0.04265405982732773},{"text":"No.","start":101.35,"end":101.67,"sentiment":"neutral","sentiment_score":-0.1600680947303772}],"sentiment":"neutral","sentiment_score":-0.0064653861336410046,"num_words":8,"start":84.68,"end":101.67},{"sentences":[{"text":"I still expect to to be a little while longer, and they go through that automatic process.","start":101.67,"end":107.05,"sentiment":"neutral","sentiment_score":-0.20805742547792547},{"text":"Again, they're pretty slow with it, but I did have a bit of an update for you with regards to the complaint that you raised.","start":107.75,"end":115.21,"sentiment":"neutral","sentiment_score":-0.11296593889594078},{"text":"So we did a pretty thorough investigation.","start":116.585,"end":118.765,"sentiment":"neutral","sentiment_score":-0.02425438511584486},{"text":"I do apologize.","start":118.825,"end":119.625,"sentiment":"neutral","sentiment_score":-0.10009368260701497},{"text":"It took a few weeks to go through everything.","start":119.625,"end":121.705,"sentiment":"neutral","sentiment_score":-0.16553365853097704}],"sentiment":"neutral","sentiment_score":-0.13640966190055745,"num_words":61,"start":101.67,"end":121.705},{"sentences":[{"text":"There was a lot of years of file notes and everything to go through.","start":121.705,"end":125.725,"sentiment":"neutral","sentiment_score":-0.11943098902702332},{"text":"One of the things I wanted to sort of mention was that, originally, we looked through the previous advice that you were given for the contributions, but the advice document only mentioned non concessional contributions, so we were a bit confused.","start":126.185,"end":138.67,"sentiment":"neutral","sentiment_score":-0.12154898556267343},{"text":"We dug a little bit deeper into the file, looking at file notes and emails.","start":139.61,"end":143.06999,"sentiment":"neutral","sentiment_score":0.006979489574829737},{"text":"We did find an email mentioning the concessional contributions and the need to do the NOI.","start":143.425,"end":148.805,"sentiment":"neutral","sentiment_score":-0.0001254912931472063},{"text":"So that was actually mentioned back in, I believe, the 2023 or early twenty twenty four, I believe.","start":149.505,"end":156.42,"sentiment":"neutral","sentiment_score":0.026958138578467898}],"sentiment":"neutral","sentiment_score":-0.05834241612599446,"num_words":104,"start":121.705,"end":156.42},{"sentences":[{"text":"Now because of that email mentioning the concessional contributions, realistically, the conclusion of the investigation is that whether Oakview Financial or QC accountant, somebody should have picked that up and gone through with the NOI with you.","start":158.95999,"end":172.645,"sentiment":"neutral","sentiment_score":-0.010942662688525947},{"text":"K?","start":174.865,"end":175.185,"sentiment":"neutral","sentiment_score":-0.003872663713991642},{"text":"So I've raised it up the chain, passed the head of advice to the directorship, and I did mention that you were wanting to at least look at the differences in the taxes that would have been paid had you actually claimed the NOI if that rings a bell from our last conversation.","start":175.185,"end":191.15,"sentiment":"neutral","sentiment_score":0.0376248448243681},{"text":"Yep.","start":192.25,"end":192.75,"sentiment":"neutral","sentiment_score":0.24590229988098145},{"text":"They're happy to do that, but they wanna do a bit more of an accurate calculation just because it might just be a tad more than that.","start":193.05,"end":200.505,"sentiment":"neutral","sentiment_score":0.320556343153671}],"sentiment":"neutral","sentiment_score":0.08812007695405173,"num_words":119,"start":158.95999,"end":200.505},{"sentences":[{"text":"We just wanna actually check Marsha's marginal tax rate for that financial year.","start":200.565,"end":206.66501,"sentiment":"neutral","sentiment_score":0.2385725860412304},{"text":"So I was going to ask you this morning, would you guys be okay to provide her twenty twenty three, twenty four income tax assessment so we can finalize that calculation for you?","start":206.965,"end":218.76,"sentiment":"neutral","sentiment_score":0.17162534380049416},{"text":"Cool.","start":222.26,"end":222.58,"sentiment":"positive","sentiment_score":0.4264052808284759},{"text":"And do you have any of our sorry.","start":222.58,"end":224.81999,"sentiment":"neutral","sentiment_score":0.012172010727226736},{"text":"Go ahead.","start":224.81999,"end":225.48,"sentiment":"neutral","sentiment_score":-0.01996035221964121}],"sentiment":"neutral","sentiment_score":0.16226211624840894,"num_words":57,"start":200.565,"end":225.48},{"sentences":[{"text":"Perfect.","start":236.225,"end":236.54501,"sentiment":"positive","sentiment_score":0.4786623418331146},{"text":"Perfect.","start":236.54501,"end":236.945,"sentiment":"positive","sentiment_score":0.3922182619571686},{"text":"So if we can find out what her sort of go ahead.","start":236.945,"end":247.44,"sentiment":"neutral","sentiment_score":0.019792544345060985},{"text":"Yeah.","start":259.435,"end":259.675,"sentiment":"neutral","sentiment_score":-0.06287532299757004},{"text":"It was twenty twenty three twenty four, so it was a good couple of years ago now.","start":259.675,"end":263.455,"sentiment":"neutral","sentiment_score":-0.04624577480203965}],"sentiment":"neutral","sentiment_score":0.00810430129058659,"num_words":32,"start":236.225,"end":263.455},{"sentences":[{"text":"Now do you think, Moshe would be able to have a record of her income tax assessment either from the accountants or the government or the myGov account, do you think she'd be able to obtain it?","start":270.33,"end":281.45502,"sentiment":"neutral","sentiment_score":0.06441752992671083},{"text":"Yeah.","start":284.23502,"end":284.475,"sentiment":"positive","sentiment_score":0.3889684081077576},{"text":"It'll be on myGov for sure if you can go into if she can go into the inbox there and grab the old assessments for 2324, that would be fantastic.","start":284.475,"end":293.375,"sentiment":"positive","sentiment_score":0.47703585823376976},{"text":"Do you have any of our email contact details to forward it through?","start":295.09,"end":298.39,"sentiment":"neutral","sentiment_score":0.10488891429626025},{"text":"Yeah.","start":303.41,"end":303.91,"sentiment":"neutral","sentiment_score":0.09676556289196014}],"sentiment":"neutral","sentiment_score":0.22614407574576212,"num_words":82,"start":270.33,"end":303.91},{"sentences":[{"text":"K.","start":306.225,"end":306.625,"sentiment":"neutral","sentiment_score":0.030269350856542587},{"text":"Because if you just need to write a new Yeah.","start":306.625,"end":312.385,"sentiment":"neutral","sentiment_score":0.036817474849522115},{"text":"Perfect.","start":312.385,"end":312.885,"sentiment":"positive","sentiment_score":0.5228434205055237},{"text":"All we're really looking for is we've got a number of sort of administration inboxes that we can access.","start":315.505,"end":320.805,"sentiment":"neutral","sentiment_score":0.2460835105494449},{"text":"So if you find, like, an info@OakviewFinancial.com.au or a support or review or anything like that, that would be good.","start":321.03,"end":330.65,"sentiment":"neutral","sentiment_score":0.2908151865005493}],"sentiment":"neutral","sentiment_score":0.22378780294721032,"num_words":51,"start":306.225,"end":330.65},{"sentences":[{"text":"If it is an individual, maybe just give us a quick buzz and let us know who you're sending it through to.","start":330.71,"end":336.135,"sentiment":"neutral","sentiment_score":0.11203509772365744},{"text":"K?","start":337.975,"end":338.475,"sentiment":"neutral","sentiment_score":0.09616729617118835},{"text":"That should pretty much allow us to do a bit of a calculation this week, and then I will send it off for approval for a reimbursement.","start":339.015,"end":347.995,"sentiment":"neutral","sentiment_score":0.24520514132799925},{"text":"Is that okay?","start":350.46002,"end":351.2,"sentiment":"neutral","sentiment_score":0.15221087882916132},{"text":"Perfect.","start":353.34,"end":353.84,"sentiment":"positive","sentiment_score":0.5899773836135864}],"sentiment":"neutral","sentiment_score":0.18940904226016114,"num_words":54,"start":330.71,"end":353.84},{"sentences":[{"text":"The other thing I was gonna mention was your idea last time as well.","start":354.30002,"end":357.52002,"sentiment":"neutral","sentiment_score":0.24054320795195444},{"text":"Once we get past June 30, we should actually have eclipse the period to do those recontributions.","start":358.06,"end":365.105,"sentiment":"neutral","sentiment_score":0.19696326378513784},{"text":"So once the government does do their withdrawals, if you wanna wait a few months and do some another round of contributions, if that's your preference, We can organize that with you rather than trying to get it invested into the investment account.","start":366.20502,"end":379.68,"sentiment":"neutral","sentiment_score":0.18946335586004479},{"text":"Just wanted to sort of gauge why you'd like to go with it.","start":379.68,"end":382.74,"sentiment":"neutral","sentiment_score":0.15079508836452776},{"text":"For superannuation?","start":408.03,"end":408.93,"sentiment":"neutral","sentiment_score":-0.057505132630467415}],"sentiment":"neutral","sentiment_score":0.18773292787791637,"num_words":89,"start":354.30002,"end":408.93},{"sentences":[{"text":"Yeah.","start":445.995,"end":446.49,"sentiment":"neutral","sentiment_score":0.04416002333164215},{"text":"So why don't we once the funds are released, why don't we go through, and I'll have a talk with the guys about any rumors of legislative changes?","start":446.65,"end":455.87,"sentiment":"neutral","sentiment_score":-0.01966380936625813},{"text":"And then maybe we can put a bit of a plan together about how much should go into investment versus pension, and we'll kind of just navigate the minefield a little bit.","start":456.25,"end":465.235,"sentiment":"neutral","sentiment_score":0.10902485635597259},{"text":"I do know they do tend to grandfather a lot of things when it comes to superannuation, so that's a pretty safe space.","start":465.235,"end":470.535,"sentiment":"neutral","sentiment_score":0.10176762889908708},{"text":"But you're right.","start":470.915,"end":471.555,"sentiment":"neutral","sentiment_score":0.19231257339318594}],"sentiment":"neutral","sentiment_score":0.06781565458995514,"num_words":87,"start":445.995,"end":471.555},{"sentences":[{"text":"When it comes to capital gains tax, I know they're going for property and inheritance mainly, probably be the main direction.","start":471.555,"end":478.56998,"sentiment":"neutral","sentiment_score":0.07500681343177955},{"text":"But if there's any risk of getting it invested or keeping it in there, I can definitely kind of incorporate that in a plan for you for, I guess, the financial year.","start":479.11,"end":488.145,"sentiment":"neutral","sentiment_score":0.10087822075001895},{"text":"Yeah.","start":502.72,"end":503.22,"sentiment":"neutral","sentiment_score":0.004663020372390747},{"text":"Which would not be the most fun thing for all Australian investors because that's a very important it's a very important provision for us to actually be able to have some incentive to invest and grow wealth.","start":505.28,"end":516.815,"sentiment":"neutral","sentiment_score":0.09935250254096212},{"text":"So Gotcha.","start":516.815,"end":557.2,"sentiment":"neutral","sentiment_score":0.1049548052251339}],"sentiment":"neutral","sentiment_score":0.09348238033232509,"num_words":93,"start":471.555,"end":557.2},{"sentences":[{"text":"Okay.","start":561.74005,"end":562.22003,"sentiment":"neutral","sentiment_score":0.03183603659272194},{"text":"That sounds like a pretty reasonable price.","start":562.22003,"end":564.24005,"sentiment":"neutral","sentiment_score":-0.201079255768231},{"text":"Yeah.","start":570.76495,"end":571.245,"sentiment":"neutral","sentiment_score":-0.08243193477392197},{"text":"So especially if they look to change those, I'll I'll put a few notes on the account and we'll kind of, again, plan out the financial years a little bit.","start":571.245,"end":578.52496,"sentiment":"neutral","sentiment_score":0.033158747324099146},{"text":"And if we go to do that, I'd like to do it at similar time frames, especially because we have to wait until the new financial year to make those contributions anyway, whether it's liquidated or withdrawn.","start":578.52496,"end":590.98,"sentiment":"neutral","sentiment_score":0.03885322859561121}],"sentiment":"neutral","sentiment_score":0.012818173542128582,"num_words":76,"start":561.74005,"end":590.98},{"sentences":[{"text":"So once it's withdrawn, if you wanna keep that in savings until we go through that plan in July, then we can do the contributions then if that's okay.","start":591.68,"end":600.705,"sentiment":"neutral","sentiment_score":0.058093959529852045},{"text":"Absolutely.","start":615.42,"end":615.92,"sentiment":"neutral","sentiment_score":0.2086273729801178},{"text":"And if you do notice a a large sum of money hit your bank account, if you could just give us a call when you know, I can start working on some plans and doing a bit of research for you.","start":616.06,"end":626.185,"sentiment":"neutral","sentiment_score":0.07073845637099045},{"text":"Perfect.","start":628.485,"end":628.985,"sentiment":"positive","sentiment_score":0.4300963580608368},{"text":"So just to make sure I've got all of this correct, we'll go through and if you guys can send through the twenty twenty three, twenty four income tax assessment for Mercia, then give us a contact once you have the withdrawn funds from super, and then we'll look to do the full three years with Mercia in the '26 '20 2627 financial year.","start":629.605,"end":659.21497,"sentiment":"neutral","sentiment_score":0.08225680477335118}],"sentiment":"neutral","sentiment_score":0.0771188292214099,"num_words":136,"start":591.68,"end":659.21497},{"sentences":[{"text":"And then once your cap kind of resets, we'll look to do a further amount following financial year.","start":659.21497,"end":669.85004,"sentiment":"neutral","sentiment_score":-0.0023365453558249604},{"text":"And then in the interim, we'll look at possibly moving as much of the investment account to the super environment as possible in pension phase, and we'll keep some funds in the interest savings account until we can do those contributions.","start":670.31,"end":685.555,"sentiment":"neutral","sentiment_score":0.0374777528752641},{"text":"Perfect.","start":687.615,"end":688.115,"sentiment":"positive","sentiment_score":0.3509570360183716},{"text":"Alright.","start":688.61005,"end":688.93005,"sentiment":"neutral","sentiment_score":0.3132956027984619},{"text":"I've got all that noted down.","start":688.93005,"end":689.97003,"sentiment":"neutral","sentiment_score":0.31561985115210217}],"sentiment":"neutral","sentiment_score":0.06048510145090187,"num_words":67,"start":659.21497,"end":689.97003},{"sentences":[{"text":"Is there anything else, any other questions, or anything I can do for you, sir?","start":689.97003,"end":693.59,"sentiment":"neutral","sentiment_score":0.20662171244621277},{"text":"Perfect.","start":698.05005,"end":698.55005,"sentiment":"positive","sentiment_score":0.5519404411315918},{"text":"I do appreciate you taking my call first thing in the morning.","start":698.61005,"end":700.85004,"sentiment":"positive","sentiment_score":0.6569000134865443},{"text":"Thank you so much for that.","start":700.85004,"end":701.925,"sentiment":"positive","sentiment_score":0.6760131319363912},{"text":"And if you can, again, just flick through that email.","start":702.245,"end":705.52496,"sentiment":"neutral","sentiment_score":0.14136469289660453}],"sentiment":"positive","sentiment_score":0.38644981841472065,"num_words":44,"start":689.97003,"end":705.52496},{"sentences":[{"text":"If you have any trouble or it's going to an individual, if you can just give us a call to let us know who you're sending us through to, that would be fantastic.","start":705.52496,"end":712.02496,"sentiment":"neutral","sentiment_score":0.10610962975205797},{"text":"Thank you, Richard.","start":714.63495,"end":715.355,"sentiment":"positive","sentiment_score":0.8195370038350424},{"text":"Have a fantastic day.","start":715.355,"end":716.65497,"sentiment":"positive","sentiment_score":0.8087324798107147}],"sentiment":"neutral","sentiment_score":0.22987896781414746,"num_words":40,"start":705.52496,"end":716.65497}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. Yeah. Yeah. Fine. Yep. Yep. Richard Wayne Ward. 17 Maria Court, Pacific Pines. 6th of January 1955. Pretty good. Yeah. Well, we we paid our taxes assessed. Nurses was only, like, 3,000 something. Well, mine was 53. Fifty seven all up. So but anyway, I paid that thinking maybe, you know, once they received that, it might prompt them to act, but it doesn't seem to. That was a week or so ago. Yep. Mhmm. Mhmm. Okay. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Should be able to get that. Like I said like I said, she paid about a bit over $3,000 for that text. That's that's the one. Oh, hang on. Hang on. When the when the concessional contribution should have been made. No. That was the that was not this current one. That's the one before. Yeah. Okay. So I'm not sure. Not sure what the she paid it. But anyway, we can if you ever get it from my guys, I think. Mhmm. Yep. For you guys. Sure. Should have. Like, I've got received I've got plenty of emails from you, so I can oh, it should have a return email address here. Yep. Yep. Okay. Yep. Yes. Yes. Yep. Yeah. Well, that was that was something I wanted to ask specifically. Do you think this asshole government we have are going to change the capital gains tax laws? Well, for for any capital gains, like, for that investment account, I'm thinking if it's likely they're going to change the conditions of capital gains, we may liquidate that account and use that money to put it back into the pension fund. Yeah. Well, well, yeah, as as from what I can understand that they're talking about changing a 50% reduction provision. So, like yeah. Yeah. So so overall, my my thinking is to take that investment money, put it into Mercer's super pension fund, and then the the money that they withdraw now, we'll just keep that in an interest bearing bank account until my super in '20 06/27, and put that money into my pension. So that it so that everything is in pension and and that we do away with that investment altogether. Yeah. Yeah. Well, we'll we'll sort it out, I guess, once this once the tax office make the move. Yep. Uh-huh. Thank you. Yep. Yep. That'll be the following the following year, another twelve months. Mhmm. Yes. No. I think that should cover it for now. Okay. Okay. Thank you. You too. 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Good. Thank you. Yeah. Yeah.\n\nFine. Yep. Yep. Richard Wayne Ward. 17 Maria Court, Pacific Pines.\n\n6th of January 1955. Pretty good. Yeah. Well, we we paid our taxes assessed. Nurses was only, like, 3,000 something.\n\nWell, mine was 53. Fifty seven all up. So but anyway, I paid that thinking maybe, you know, once they received that, it might prompt them to act, but it doesn't seem to. That was a week or so ago. Yep.\n\nMhmm. Mhmm. Okay. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYep. Should be able to get that. Like I said like I said, she paid about a bit over $3,000 for that text. That's that's the one. Oh, hang on.\n\nHang on. When the when the concessional contribution should have been made. No. That was the that was not this current one. That's the one before.\n\nYeah. Okay. So I'm not sure. Not sure what the she paid it. But anyway, we can if you ever get it from my guys, I think.\n\nMhmm. Yep. For you guys. Sure. Should have.\n\nLike, I've got received I've got plenty of emails from you, so I can oh, it should have a return email address here. Yep. Yep. Okay. Yep.\n\nYes. Yes. Yep. Yeah. Well, that was that was something I wanted to ask specifically.\n\nDo you think this asshole government we have are going to change the capital gains tax laws? Well, for for any capital gains, like, for that investment account, I'm thinking if it's likely they're going to change the conditions of capital gains, we may liquidate that account and use that money to put it back into the pension fund. Yeah. Well, well, yeah, as as from what I can understand that they're talking about changing a 50% reduction provision. So, like yeah.\n\nYeah. So so overall, my my thinking is to take that investment money, put it into Mercer's super pension fund, and then the the money that they withdraw now, we'll just keep that in an interest bearing bank account until my super in '20 06/27, and put that money into my pension. So that it so that everything is in pension and and that we do away with that investment altogether. Yeah. Yeah.\n\nWell, we'll we'll sort it out, I guess, once this once the tax office make the move. Yep. Uh-huh. Thank you. Yep.\n\nYep. That'll be the following the following year, another twelve months. Mhmm. Yes. No.\n\nI think that should cover it for now. Okay. Okay. Thank you. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.03418835252523422},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.482771635055542},{"text":"Thank 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be able to get that.","start":220.315,"end":221.775,"sentiment":"positive","sentiment_score":0.4657411177953084},{"text":"Like I said like I said, she paid about a bit over $3,000 for that text.","start":223.035,"end":232.98999,"sentiment":"neutral","sentiment_score":0.03971486131194979},{"text":"That's that's the one.","start":232.98999,"end":234.37,"sentiment":"neutral","sentiment_score":0.10387702845036983},{"text":"Oh, hang on.","start":238.43,"end":238.98999,"sentiment":"neutral","sentiment_score":-0.08401934305826823}],"sentiment":"neutral","sentiment_score":0.1294404015565912,"num_words":30,"start":219.435,"end":238.98999},{"sentences":[{"text":"Hang on.","start":238.98999,"end":239.73,"sentiment":"neutral","sentiment_score":-0.07089369371533394},{"text":"When the when the concessional contribution should have been made.","start":246.475,"end":252.095,"sentiment":"neutral","sentiment_score":-0.03455781862139702},{"text":"No.","start":253.675,"end":253.915,"sentiment":"neutral","sentiment_score":-0.264579713344574},{"text":"That was the that was not this current one.","start":253.915,"end":257.275,"sentiment":"neutral","sentiment_score":-0.25931069751580554},{"text":"That's the one before.","start":257.275,"end":258.415,"sentiment":"neutral","sentiment_score":-0.1685619093477726}],"sentiment":"neutral","sentiment_score":-0.14461496930855972,"num_words":26,"start":238.98999,"end":258.415},{"sentences":[{"text":"Yeah.","start":263.63998,"end":264.13998,"sentiment":"neutral","sentiment_score":-0.058094631880521774},{"text":"Okay.","start":264.36,"end":264.68,"sentiment":"neutral","sentiment_score":-0.0846233069896698},{"text":"So I'm not sure.","start":264.68,"end":267.5,"sentiment":"neutral","sentiment_score":-0.21126416698098183},{"text":"Not sure what the she paid it.","start":270.44,"end":272.595,"sentiment":"neutral","sentiment_score":-0.26318429729768206},{"text":"But anyway, we can if you ever get it from my guys, I think.","start":272.595,"end":283.895,"sentiment":"neutral","sentiment_score":0.10414546555174249}],"sentiment":"neutral","sentiment_score":-0.050815858153833285,"num_words":27,"start":263.63998,"end":283.895},{"sentences":[{"text":"Mhmm.","start":287.56998,"end":288.06998,"sentiment":"neutral","sentiment_score":0.1994349509477615},{"text":"Yep.","start":293.96997,"end":294.46997,"sentiment":"neutral","sentiment_score":0.28866156935691833},{"text":"For you guys.","start":302.005,"end":302.825,"sentiment":"neutral","sentiment_score":0.06764446198940277},{"text":"Sure.","start":303.765,"end":304.265,"sentiment":"neutral","sentiment_score":0.1356717348098755},{"text":"Should have.","start":304.805,"end":305.545,"sentiment":"neutral","sentiment_score":0.12701091915369034}],"sentiment":"neutral","sentiment_score":0.13509043492376804,"num_words":8,"start":287.56998,"end":305.545},{"sentences":[{"text":"Like, I've got received I've got plenty of emails from you, so I can oh, it should have a return email address here.","start":306.965,"end":315.24,"sentiment":"neutral","sentiment_score":0.13543089191712762},{"text":"Yep.","start":325.38,"end":325.88,"sentiment":"neutral","sentiment_score":0.18865221738815308},{"text":"Yep.","start":336.665,"end":337.165,"sentiment":"neutral","sentiment_score":0.0995575785636902},{"text":"Okay.","start":349.16,"end":349.66,"sentiment":"neutral","sentiment_score":0.15849724411964417},{"text":"Yep.","start":351.4,"end":351.9,"sentiment":"neutral","sentiment_score":0.32272404432296753}],"sentiment":"neutral","sentiment_score":0.14386450364771816,"num_words":27,"start":306.965,"end":351.9},{"sentences":[{"text":"Yes.","start":366.215,"end":366.63,"sentiment":"neutral","sentiment_score":0.1651100516319275},{"text":"Yes.","start":367.11002,"end":367.61002,"sentiment":"neutral","sentiment_score":0.12393665313720705},{"text":"Yep.","start":380.63,"end":381.13,"sentiment":"neutral","sentiment_score":0.11804512143135072},{"text":"Yeah.","start":383.68503,"end":383.92502,"sentiment":"neutral","sentiment_score":0.08075904846191406},{"text":"Well, that was that was something I wanted to ask specifically.","start":383.92502,"end":389.70502,"sentiment":"neutral","sentiment_score":0.014103731817819855}],"sentiment":"neutral","sentiment_score":0.04286612831056118,"num_words":15,"start":366.215,"end":389.70502},{"sentences":[{"text":"Do you think this asshole government we have are going to change the capital gains tax laws?","start":392.885,"end":406.76,"sentiment":"neutral","sentiment_score":-0.11926703943925746},{"text":"Well, for for any capital gains, like, for that investment account, I'm thinking if it's likely they're going to change the conditions of capital gains, we may liquidate that account and use that money to put it back into the pension fund.","start":410.685,"end":445.195,"sentiment":"neutral","sentiment_score":-0.057036440849991606},{"text":"Yeah.","start":486.53003,"end":486.93002,"sentiment":"neutral","sentiment_score":0.03457137942314148},{"text":"Well, well, yeah, as as from what I can understand that they're talking about changing a 50% reduction provision.","start":486.93002,"end":501.805,"sentiment":"neutral","sentiment_score":-0.02341663513920809},{"text":"So, like yeah.","start":505.66,"end":516.73,"sentiment":"neutral","sentiment_score":-0.02099696050087611}],"sentiment":"neutral","sentiment_score":-0.059712265315749566,"num_words":82,"start":392.885,"end":516.73},{"sentences":[{"text":"Yeah.","start":518.34503,"end":518.84503,"sentiment":"neutral","sentiment_score":0.1819205731153488},{"text":"So so overall, my my thinking is to take that investment money, put it into Mercer's super pension fund, and then the the money that they withdraw now, we'll just keep that in an interest bearing bank account until my super in '20 06/27, and put that money into my pension.","start":520.18506,"end":561.125,"sentiment":"neutral","sentiment_score":0.16099991254946766},{"text":"So that it so that everything is in pension and and that we do away with that investment altogether.","start":562.11,"end":569.73,"sentiment":"neutral","sentiment_score":-0.29307975188681956},{"text":"Yeah.","start":576.83496,"end":577.33496,"sentiment":"neutral","sentiment_score":0.02386547438800335},{"text":"Yeah.","start":603.84,"end":604.24,"sentiment":"neutral","sentiment_score":0.07504679262638092}],"sentiment":"neutral","sentiment_score":0.04004538485346592,"num_words":73,"start":518.34503,"end":604.24},{"sentences":[{"text":"Well, we'll we'll sort it out, I guess, once this once the tax office make the move.","start":604.24,"end":614.555,"sentiment":"neutral","sentiment_score":0.08207610008471153},{"text":"Yep.","start":621.71,"end":622.21,"sentiment":"neutral","sentiment_score":0.10184872150421144},{"text":"Uh-huh.","start":626.91003,"end":626.99005,"sentiment":"neutral","sentiment_score":0.06964745372533798},{"text":"Thank you.","start":626.99005,"end":627.81,"sentiment":"positive","sentiment_score":0.4220365136861801},{"text":"Yep.","start":640.885,"end":641.385,"sentiment":"neutral","sentiment_score":0.07128721475601196}],"sentiment":"neutral","sentiment_score":0.11282500539990989,"num_words":22,"start":604.24,"end":641.385},{"sentences":[{"text":"Yep.","start":656.75,"end":657.25,"sentiment":"neutral","sentiment_score":0.04277876764535904},{"text":"That'll be the following the following year, another twelve months.","start":665.435,"end":668.89496,"sentiment":"neutral","sentiment_score":-0.008548020012676716},{"text":"Mhmm.","start":685.72,"end":686.22,"sentiment":"neutral","sentiment_score":0.06037809699773789},{"text":"Yes.","start":686.36,"end":686.86,"sentiment":"neutral","sentiment_score":0.1679590344429016},{"text":"No.","start":695.27496,"end":695.515,"sentiment":"neutral","sentiment_score":0.0032314620912075043}],"sentiment":"neutral","sentiment_score":0.013490511503602778,"num_words":14,"start":656.75,"end":695.515},{"sentences":[{"text":"I think that should cover it for now.","start":695.515,"end":697.375,"sentiment":"neutral","sentiment_score":-0.036159219685941935},{"text":"Okay.","start":711.69,"end":712.19,"sentiment":"positive","sentiment_score":0.3447113633155823},{"text":"Okay.","start":713.37,"end":713.76996,"sentiment":"positive","sentiment_score":0.420250952243805},{"text":"Thank you.","start":713.76996,"end":714.50995,"sentiment":"positive","sentiment_score":0.7943623661994934},{"text":"You too.","start":716.81,"end":717.37,"sentiment":"positive","sentiment_score":0.624719500541687}],"sentiment":"neutral","sentiment_score":0.2367037351110152,"num_words":14,"start":695.515,"end":717.37},{"sentences":[{"text":"Bye.","start":717.37,"end":717.87,"sentiment":"neutral","sentiment_score":-0.12005381286144257}],"sentiment":"neutral","sentiment_score":-0.12005381286144257,"num_words":1,"start":717.37,"end":717.87}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Richard. It's Tommy here from Oakview Financial. How are you doing?\n\nChannel 1: Good. Thank you.\n\nChannel 0: So is it a good time to have a bit of an update with you this morning?\n\nChannel 1: Yeah. Yeah. Fine. Yep.\n\nChannel 0: Fantastic. Now just because of the sensitive nature of the information, are you okay to confirm the security with me, sir? Just the date of birth and address, please.\n\nChannel 1: Yep. Richard Wayne Ward. 17 Maria Court, Pacific Pines. 6th\n\nChannel 0: And just your date of birth, please?\n\nChannel 1: of January 1955.\n\nChannel 0: Awesome. Thank you so much for that. I do appreciate it. How have you both been recently?\n\nChannel 1: Pretty\n\nChannel 0: Good to hear. Good to hear. I\n\nChannel 1: good.\n\nChannel 0: was having a bit of a look on the accounts this morning. Still no movement from the\n\nChannel 1: Yeah.\n\nChannel 0: ATO. They still seem to be dragging their feet. I'm not sure if you've checked yourself\n\nChannel 1: Well,\n\nChannel 0: as well.\n\nChannel 1: we we paid our taxes assessed.\n\nChannel 0: Gotcha.\n\nChannel 1: Nurses was only, like, 3,000 something.\n\nChannel 0: Okay. Not too bad. That's good to hear.\n\nChannel 1: Well, mine was 53.\n\nChannel 0: 53.\n\nChannel 1: Fifty seven all up.\n\nChannel 0: Oh, jeez. Bit of a waiting difference between the two. Yeah. I actually appreciate you.\n\nChannel 1: So but anyway, I paid that\n\nChannel 0: Yeah.\n\nChannel 1: thinking maybe, you know, once they received that, it might prompt them to act, but it doesn't seem to. That was a week or so ago.\n\nChannel 0: Yeah. No. I still expect to to be a little while longer, and they go through that automatic process. Again, they're pretty slow with it, but I did have a bit of an update for you with regards to the complaint that you raised.\n\nChannel 1: Yep.\n\nChannel 0: So we did a pretty thorough investigation. I do apologize. It took a few weeks to go through everything. There was a lot of years of file notes and everything to go through. One of the things I wanted to sort of mention was that, originally, we looked through the previous advice that you were given for the contributions, but the\n\nChannel 1: Mhmm.\n\nChannel 0: advice document only mentioned non concessional contributions, so we were a bit confused. We dug a little bit deeper into the file, looking at file notes and emails. We did find an email mentioning the concessional contributions and the need to do the NOI. So that was actually mentioned back in, I believe, the 2023 or early twenty twenty four, I believe. Now because of that email mentioning the concessional contributions, realistically, the conclusion of the investigation is that whether Oakview Financial or QC accountant, somebody should have picked that up and gone through with the NOI with you.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: K? So I've raised it up the chain, passed the head of advice to the directorship, and I did mention that you were wanting to at least look at the differences in the taxes that would have been paid had you actually claimed the NOI if that rings a bell from our last conversation.\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: Yep. They're happy to do that, but they wanna do a bit more of an accurate calculation just because it might just be a tad more than that. We just wanna actually check Marsha's marginal tax rate for that financial year. So I\n\nChannel 1: Yeah.\n\nChannel 0: was\n\nChannel 1: Yeah.\n\nChannel 0: going\n\nChannel 1: Yeah.\n\nChannel 0: to ask you this morning, would you guys be okay to provide her twenty twenty three, twenty four income tax assessment so we can finalize that calculation for you?\n\nChannel 1: Yep. Should be able to get that.\n\nChannel 0: Cool. And do\n\nChannel 1: Like\n\nChannel 0: you have\n\nChannel 1: I said\n\nChannel 0: any of our sorry. Go ahead.\n\nChannel 1: like I said, she paid about a bit over $3,000 for that text. That's that's the one.\n\nChannel 0: Perfect. Perfect. So if we can find out what\n\nChannel 1: Oh,\n\nChannel 0: her\n\nChannel 1: hang on.\n\nChannel 0: sort\n\nChannel 1: Hang\n\nChannel 0: of\n\nChannel 1: on.\n\nChannel 0: go\n\nChannel 1: When the\n\nChannel 0: ahead.\n\nChannel 1: when the concessional contribution should have been made. No. That was the that was not this current one. That's the one before.\n\nChannel 0: Yeah. It was twenty twenty three twenty four, so it was a good couple of years ago now.\n\nChannel 1: Yeah. Okay. So I'm not sure.\n\nChannel 0: Now\n\nChannel 1: Not sure\n\nChannel 0: do you think,\n\nChannel 1: what the she paid it.\n\nChannel 0: Moshe would\n\nChannel 1: But anyway,\n\nChannel 0: be able to have a record of her income tax assessment either from the accountants or the government or the\n\nChannel 1: we\n\nChannel 0: myGov account, do you think she'd be able to obtain it?\n\nChannel 1: can if you ever get it from my guys, I think.\n\nChannel 0: Yeah. It'll be on myGov for sure if you can go into\n\nChannel 1: Mhmm.\n\nChannel 0: if she can go into the inbox there and grab the old assessments for 2324, that would be fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any of our email contact details to forward it through?\n\nChannel 1: For you guys.\n\nChannel 0: Yeah.\n\nChannel 1: Sure. Should have.\n\nChannel 0: K. Because if\n\nChannel 1: Like,\n\nChannel 0: you just\n\nChannel 1: I've\n\nChannel 0: need\n\nChannel 1: got\n\nChannel 0: to write\n\nChannel 1: received\n\nChannel 0: a new\n\nChannel 1: I've got plenty of emails from you, so I can oh, it should\n\nChannel 0: Yeah.\n\nChannel 1: have\n\nChannel 0: Perfect.\n\nChannel 1: a return email address here.\n\nChannel 0: All we're really looking for is we've got a number of sort of administration inboxes that we can access. So if you find, like, an info@OakviewFinancial.com.au or\n\nChannel 1: Yep.\n\nChannel 0: a support or review or anything like that, that would be good. If it is an individual, maybe just give us a quick buzz and let us know who you're sending it through to.\n\nChannel 1: Yep.\n\nChannel 0: K? That should pretty much allow us to do a bit of a calculation this week, and then I will send it off for approval for a reimbursement.\n\nChannel 1: Okay.\n\nChannel 0: Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The other thing I was gonna mention was your idea last time as well. Once we get past June 30, we should actually have eclipse the period to do those recontributions. So\n\nChannel 1: Yes.\n\nChannel 0: once the\n\nChannel 1: Yes.\n\nChannel 0: government does do their withdrawals, if you wanna wait a few months and do some another round of contributions, if that's your preference, We can organize that with you rather than trying to get it invested into the investment account. Just wanted to sort of gauge\n\nChannel 1: Yep.\n\nChannel 0: why you'd like to go with it.\n\nChannel 1: Yeah. Well, that was that was something I wanted to ask specifically. Do you think this asshole government we have are going to change the capital gains tax laws?\n\nChannel 0: For superannuation?\n\nChannel 1: Well, for for any capital gains, like, for that investment account, I'm thinking if it's likely they're going to change the conditions of capital gains, we may liquidate that account and use that money to put it back into the pension fund.\n\nChannel 0: Yeah. So why don't we once the funds are released, why don't we go through, and I'll have a talk with the guys about any rumors of legislative changes? And then maybe we can put a bit of a plan together about how much should go into investment versus pension, and we'll kind of just navigate the minefield a little bit. I do know they do tend to grandfather a lot of things when it comes to superannuation, so that's a pretty safe space. But you're right.\n\nWhen it comes to capital gains tax, I know they're going for property and inheritance mainly, probably be the main direction. But if there's any risk of getting it invested or keeping it in there, I can definitely kind of incorporate that in a plan for you for, I\n\nChannel 1: Yeah.\n\nChannel 0: guess, the\n\nChannel 1: Well,\n\nChannel 0: financial year.\n\nChannel 1: well, yeah, as as from what I can understand that they're talking about changing a 50% reduction provision.\n\nChannel 0: Yeah. Which\n\nChannel 1: So,\n\nChannel 0: would not\n\nChannel 1: like\n\nChannel 0: be the most fun thing for all Australian investors because that's a very important it's a very important provision for us to actually be able to have some incentive to invest and grow\n\nChannel 1: yeah.\n\nChannel 0: wealth. So\n\nChannel 1: Yeah. So so overall, my my thinking is to take that investment money, put it into Mercer's super pension fund, and then the the money that they withdraw now, we'll just keep that in an interest bearing bank account until my super in '20\n\nChannel 0: Gotcha.\n\nChannel 1: 06/27, and put that money into my pension.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: That\n\nChannel 1: that\n\nChannel 0: sounds\n\nChannel 1: it\n\nChannel 0: like\n\nChannel 1: so\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: pretty\n\nChannel 1: everything\n\nChannel 0: reasonable price.\n\nChannel 1: is in pension and and that we do away with that investment altogether.\n\nChannel 0: Yeah. So especially if they look to change those, I'll I'll put a few notes on the account and we'll kind of, again, plan out\n\nChannel 1: Yeah.\n\nChannel 0: the financial years a little bit. And if we go to do that, I'd like to do it at similar time frames, especially because we have to wait until the new financial year to make those contributions anyway, whether it's liquidated or withdrawn. So once it's withdrawn, if you wanna keep that in savings until we go through that plan in July, then we can do the contributions then if that's okay.\n\nChannel 1: Yeah. Well, we'll we'll sort it out, I guess, once this once the tax office make the move.\n\nChannel 0: Absolutely. And if you do notice a a large sum of money hit your bank account, if you could just give us a call when you know,\n\nChannel 1: Yep.\n\nChannel 0: I can start working on some plans and doing a bit of research for you.\n\nChannel 1: Uh-huh. Thank you.\n\nChannel 0: Perfect. So just to make sure I've got all of this correct, we'll go through and if you guys can send through the twenty twenty three, twenty four income tax assessment for Mercia,\n\nChannel 1: Yep.\n\nChannel 0: then give us a contact once you have the withdrawn funds from super, and then we'll look to do the full three years with Mercia in the '26 '20\n\nChannel 1: Yep.\n\nChannel 0: 2627 financial year. And then once your cap kind of resets, we'll look to do a\n\nChannel 1: That'll be\n\nChannel 0: further\n\nChannel 1: the following\n\nChannel 0: amount\n\nChannel 1: the following year, another twelve\n\nChannel 0: following\n\nChannel 1: months.\n\nChannel 0: financial year. And then in the interim, we'll look at possibly moving as much of the investment account to the super environment as possible in pension phase, and we'll keep some funds in the interest savings account until we can do those contributions.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Perfect. Alright. I've got all that noted down. Is there anything else, any other questions, or anything I can do for you, sir?\n\nChannel 1: No. I think that should cover it for now.\n\nChannel 0: Perfect. I do appreciate you taking my call first thing in the morning. Thank you so much for that. And if you can, again, just flick through that email. If you have any trouble or it's going to an individual, if you can just give us a call to let us know who you're sending us through to, that would be fantastic.\n\nChannel 1: Okay. Okay. Thank you.\n\nChannel 0: Thank you, Richard. Have a fantastic day.\n\nChannel 1: You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.03418835252523422}],"sentiment":"neutral","sentiment_score":0.03418835252523422,"channel":1,"num_words":1,"start":2.8,"end":3.3},{"sentences":[{"text":"Good morning, Richard.","start":4.08,"end":4.96,"sentiment":"neutral","sentiment_score":0.2902766466140747},{"text":"It's Tommy here from Oakview Financial.","start":4.96,"end":6.56,"sentiment":"neutral","sentiment_score":0.23997954030831656},{"text":"How are you doing?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23900852724909782}],"sentiment":"neutral","sentiment_score":0.2512877915914242,"channel":0,"num_words":13,"start":4.08,"end":7.3799996},{"sentences":[{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.482771635055542},{"text":"Thank you.","start":7.7599998,"end":8.58,"sentiment":"positive","sentiment_score":0.5659766495227814}],"sentiment":"positive","sentiment_score":0.5382416447003683,"channel":1,"num_words":3,"start":7.44,"end":8.58},{"sentences":[{"text":"So is it a good time to have a bit of an update with you this 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give us a contact once you have the withdrawn funds from super, and then we'll look to do the full three years with Mercia in the '26 '20","start":642.07996,"end":656.89496,"sentiment":"neutral","sentiment_score":0.05950692013419907}],"sentiment":"neutral","sentiment_score":0.05950692013419907,"channel":0,"num_words":29,"start":642.07996,"end":656.89496},{"sentences":[{"text":"Yep.","start":656.75,"end":657.25,"sentiment":"neutral","sentiment_score":0.04277876764535904}],"sentiment":"neutral","sentiment_score":0.04277876764535904,"channel":1,"num_words":1,"start":656.75,"end":657.25},{"sentences":[{"text":"2627 financial year.","start":656.89496,"end":659.21497,"sentiment":"neutral","sentiment_score":0.017226484293739002},{"text":"And then once your cap kind of resets, we'll look to do 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in pension phase, and we'll keep some funds in the interest savings account until we can do those contributions.","start":670.31,"end":685.555,"sentiment":"neutral","sentiment_score":0.0374777528752641}],"sentiment":"neutral","sentiment_score":0.035292953274451026,"channel":0,"num_words":43,"start":668.79004,"end":685.555},{"sentences":[{"text":"Mhmm.","start":685.72,"end":686.22,"sentiment":"neutral","sentiment_score":0.06037809699773789},{"text":"Yes.","start":686.36,"end":686.86,"sentiment":"neutral","sentiment_score":0.1679590344429016}],"sentiment":"neutral","sentiment_score":0.11416856572031975,"channel":1,"num_words":2,"start":685.72,"end":686.86},{"sentences":[{"text":"Perfect.","start":687.615,"end":688.115,"sentiment":"positive","sentiment_score":0.3509570360183716},{"text":"Alright.","start":688.61005,"end":688.93005,"sentiment":"neutral","sentiment_score":0.3132956027984619},{"text":"I've got all that noted down.","start":688.93005,"end":689.97003,"sentiment":"neutral","sentiment_score":0.31561985115210217},{"text":"Is there anything else, any other questions, or anything I can do for you, sir?","start":689.97003,"end":693.59,"sentiment":"neutral","sentiment_score":0.20662171244621277}],"sentiment":"neutral","sentiment_score":0.24596945358359296,"channel":0,"num_words":23,"start":687.615,"end":693.59},{"sentences":[{"text":"No.","start":695.27496,"end":695.515,"sentiment":"neutral","sentiment_score":0.0032314620912075043},{"text":"I think that should cover it for now.","start":695.515,"end":697.375,"sentiment":"neutral","sentiment_score":-0.036159219685941935}],"sentiment":"neutral","sentiment_score":-0.031782477266258664,"channel":1,"num_words":9,"start":695.27496,"end":697.375},{"sentences":[{"text":"Perfect.","start":698.05005,"end":698.55005,"sentiment":"positive","sentiment_score":0.5519404411315918},{"text":"I do appreciate you taking my call first thing in the morning.","start":698.61005,"end":700.85004,"sentiment":"positive","sentiment_score":0.6569000134865443},{"text":"Thank you so much for that.","start":700.85004,"end":701.925,"sentiment":"positive","sentiment_score":0.6760131319363912},{"text":"And if you can, again, just flick through that email.","start":702.245,"end":705.52496,"sentiment":"neutral","sentiment_score":0.14136469289660453},{"text":"If you have any trouble or it's going to an individual, if you can just give us a call to let us know who you're sending us through to, that would be fantastic.","start":705.52496,"end":712.02496,"sentiment":"neutral","sentiment_score":0.10610962975205797}],"sentiment":"neutral","sentiment_score":0.28074329202213594,"channel":0,"num_words":62,"start":698.05005,"end":712.02496},{"sentences":[{"text":"Okay.","start":711.69,"end":712.19,"sentiment":"positive","sentiment_score":0.3447113633155823},{"text":"Okay.","start":713.37,"end":713.76996,"sentiment":"positive","sentiment_score":0.420250952243805},{"text":"Thank you.","start":713.76996,"end":714.50995,"sentiment":"positive","sentiment_score":0.7943623661994934}],"sentiment":"positive","sentiment_score":0.5884217619895935,"channel":1,"num_words":4,"start":711.69,"end":714.50995},{"sentences":[{"text":"Thank you, Richard.","start":714.63495,"end":715.355,"sentiment":"positive","sentiment_score":0.8195370038350424},{"text":"Have a fantastic day.","start":715.355,"end":716.65497,"sentiment":"positive","sentiment_score":0.8087324798107147}],"sentiment":"positive","sentiment_score":0.8133629901068551,"channel":0,"num_words":7,"start":714.63495,"end":716.65497},{"sentences":[{"text":"You too.","start":716.81,"end":717.37,"sentiment":"positive","sentiment_score":0.624719500541687},{"text":"Bye.","start":717.37,"end":717.87,"sentiment":"neutral","sentiment_score":-0.12005381286144257}],"sentiment":"positive","sentiment_score":0.3764617294073105,"channel":1,"num_words":3,"start":716.81,"end":717.87}]},"summary":{"result":"success","short":"Richard receives a call from Tommy at Oakview Financial to discuss his recent financial performance and complaint raised by his accountant. Richard had paid his taxes and is waiting for the income tax assessment to complete. The speakers discuss the possibility of calculating the marginal tax rate for a financial year and propose a plan to keep the investment money in an interest-bearing bank account until the new financial year. The process for recon recessioning a retirement plan with Yep is discussed, including the possibility of putting funds into a super pension fund and retirement plans into an interest-bearing bank account until the new financial year."},"intents":{"segments":[{"text":"Now just because of the sensitive nature of the information, are you okay to confirm the security with me, sir?","start_word":39,"end_word":58,"intents":[{"intent":"Confirm security","confidence_score":0.2810889}]},{"text":"Richard Wayne Ward. 17 Maria Court, Pacific Pines.","start_word":68,"end_word":75,"intents":[{"intent":"Address accounts","confidence_score":0.00011660262}]},{"text":"I good. was having a bit of a look on the accounts this morning. Still no movement from the Yeah. ATO. They still seem to be dragging their feet. I'm not sure if you've checked yourself Well, as well.","start_word":111,"end_word":149,"intents":[{"intent":"Check account","confidence_score":0.042509884}]},{"text":"So we did a pretty thorough investigation. I do apologize. It took a few weeks to go through everything. There was a lot of years of file notes and everything to go through. One of the things I wanted to sort of mention was that, originally, we looked through the previous advice that you were given for the contributions, but the Mhmm. advice document only mentioned non concessional contributions, so we were a bit confused.","start_word":273,"end_word":347,"intents":[{"intent":"Review investigation","confidence_score":0.0030175576}]},{"text":"So I've raised it up the chain, passed the head of advice to the directorship, and I did mention that you were wanting to at least look at the differences in the taxes that would have been paid had you actually claimed the NOI if that rings a bell from our last conversation. Yeah.","start_word":437,"end_word":490,"intents":[{"intent":"Assess tax differences","confidence_score":0.008944271}]},{"text":"Moshe would But anyway, be able to have a record of her income tax assessment either from the accountants or the government or the we myGov account, do you think she'd be able to obtain it?","start_word":688,"end_word":723,"intents":[{"intent":"Request tax assessment record","confidence_score":0.107985355}]},{"text":"Do you have any of our email contact details to forward it through? For you guys. Yeah.","start_word":767,"end_word":783,"intents":[{"intent":"Confirm email address","confidence_score":0.0027384083}]},{"text":"a support or review or anything like that, that would be good. If it is an individual, maybe just give us a quick buzz and let us know who you're sending it through to. Yep.","start_word":850,"end_word":884,"intents":[{"intent":"Request support/reimbursement confirmation","confidence_score":0.00015990094}]},{"text":"government does do their withdrawals, if you wanna wait a few months and do some another round of contributions, if that's your preference, We can organize that with you rather than trying to get it invested into the investment account. Just wanted to sort of gauge Yep. why you'd like to go with it. Yeah.","start_word":955,"end_word":1009,"intents":[{"intent":"Confirm plans to organize withdrawals","confidence_score":0.00007385243}]},{"text":"Yeah.","start_word":1082,"end_word":1082,"intents":[{"intent":"Refund funds","confidence_score":0.0010822024}]},{"text":"So why don't we once the funds are released, why don't we go through, and I'll have a talk with the guys about any rumors of legislative changes?","start_word":1083,"end_word":1110,"intents":[{"intent":"Discuss legislative changes","confidence_score":0.2191497}]},{"text":"So why don't we once the funds are released, why don't we go through, and I'll have a talk with the guys about any rumors of legislative changes? And then maybe we can put a bit of a plan together about how much should go into investment versus pension, and we'll kind of just navigate the minefield a little bit.","start_word":1083,"end_word":1142,"intents":[{"intent":"Discuss investments","confidence_score":0.0038830223},{"intent":"Understand investment decision","confidence_score":0.013663744},{"intent":"Consider investment placement","confidence_score":0.00017044206}]},{"text":"When it comes to capital gains tax, I know they're going for property and inheritance mainly, probably be the main direction. But if there's any risk of getting it invested or keeping it in there, I can definitely kind of incorporate that in a plan for you for, I Yeah.","start_word":1169,"end_word":1218,"intents":[{"intent":"Integrate tax changes","confidence_score":0.06110835}]},{"text":"So especially if they look to change those, I'll I'll put a few notes on the account and we'll kind of, again, plan out Yeah.","start_word":1366,"end_word":1390,"intents":[{"intent":"Set up and plan out financial years","confidence_score":0.00008770705}]},{"text":"Well, we'll we'll sort it out, I guess, once this once the tax office make the move. Absolutely.","start_word":1463,"end_word":1480,"intents":[{"intent":"Sort out plan and arrange financial contributions","confidence_score":0.000002612923}]},{"text":"And if you do notice a a large sum of money hit your bank account, if you could just give us a call when you know, Yep. I can start working on some plans and doing a bit of research for you. Uh-huh.","start_word":1481,"end_word":1523,"intents":[{"intent":"Assist with documents and research","confidence_score":0.0000013546115}]},{"text":"I do appreciate you taking my call first thing in the morning. Thank you so much for that.","start_word":1697,"end_word":1714,"intents":[{"intent":"Receive call from meghan","confidence_score":0.000001575137}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Richard. It's Tommy here from Oakview Financial. How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.23797114193439484},{"text":"Good. Thank you. So is it a good time to have a bit of an update with you this morning?","start_word":14,"end_word":33,"sentiment":"positive","sentiment_score":0.3951861560344696},{"text":"Yeah. Yeah. Fine. Yep.","start_word":34,"end_word":37,"sentiment":"neutral","sentiment_score":0.20360687375068665},{"text":"Fantastic.","start_word":38,"end_word":38,"sentiment":"positive","sentiment_score":0.5736571550369263},{"text":"Now just because of the sensitive nature of the information, are you okay to confirm the security with me, sir? Just the date of birth and address, please. Yep. Richard Wayne Ward. 17 Maria Court, Pacific Pines. 6th And just your date of birth, please? of January 1955.","start_word":39,"end_word":86,"sentiment":"neutral","sentiment_score":0.03926049917936325},{"text":"Awesome. Thank you so much for that. I do appreciate it.","start_word":87,"end_word":97,"sentiment":"positive","sentiment_score":0.6008263826370239},{"text":"How have you both been recently? Pretty Good to hear. Good to hear. I good. was having a bit of a look on the accounts this morning. Still no movement from the Yeah. ATO.","start_word":98,"end_word":131,"sentiment":"neutral","sentiment_score":0.07137612998485565},{"text":"They still seem to be dragging their feet.","start_word":132,"end_word":139,"sentiment":"negative","sentiment_score":-0.4622982144355774},{"text":"I'm not sure if you've checked yourself Well, as well. we we paid our taxes assessed. Gotcha. Nurses was only, like, 3,000 something. Okay. Not too bad. That's good to hear. Well, mine was 53. 53. Fifty seven all up. Oh, jeez. Bit of a waiting difference between the two. Yeah. I actually appreciate you. So but anyway, I paid that Yeah. thinking maybe, you know, once they received that, it might prompt them to act, but it doesn't seem to. That was a week or so ago. Yeah. No. I still expect to to be a little while longer, and they go through that automatic process. Again, they're pretty slow with it, but I did have a bit of an update for you with regards to the complaint that you raised. Yep. So we did a pretty thorough investigation. I do apologize. It took a few weeks to go through everything. There was a lot of years of file notes and everything to go through. One of the things I wanted to sort of mention was that, originally, we looked through the previous advice that you were given for the contributions, but the Mhmm. advice document only mentioned non concessional contributions, so we were a bit confused. We dug a little bit deeper into the file, looking at file notes and emails. We did find an email mentioning the concessional contributions and the need to do the NOI. So that was actually mentioned back in, I believe, the 2023 or early twenty twenty four, I believe. Now because of that email mentioning the concessional contributions, realistically, the conclusion of the investigation is that whether Oakview Financial or QC accountant, somebody should have picked that up and gone through with the NOI with you. Mhmm. Okay. K? So I've raised it up the chain, passed the head of advice to the directorship, and I did mention that you were wanting to at least look at the differences in the taxes that would have been paid had you actually claimed the NOI if that rings a bell from our last conversation. Yeah. Yeah. Yeah. Yep. Yep. They're happy to do that, but they wanna do a bit more of an accurate calculation just because it might just be a tad more than that. We just wanna actually check Marsha's marginal tax rate for that financial year. So I Yeah. was Yeah. going Yeah. to ask you this morning, would you guys be okay to provide her twenty twenty three, twenty four income tax assessment so we can finalize that calculation for you? Yep.","start_word":140,"end_word":571,"sentiment":"neutral","sentiment_score":0.00921118038671988},{"text":"Should be able to get that. Cool.","start_word":572,"end_word":578,"sentiment":"positive","sentiment_score":0.4446527659893036},{"text":"And do Like you have I said any of our sorry. Go ahead. like I said, she paid about a bit over $3,000 for that text. That's that's the one.","start_word":579,"end_word":608,"sentiment":"neutral","sentiment_score":0.041311781853437424},{"text":"Perfect. Perfect.","start_word":609,"end_word":610,"sentiment":"positive","sentiment_score":0.4354403018951416},{"text":"So if we can find out what Oh, her hang on. sort Hang of on. go When the ahead. when the concessional contribution should have been made. No. That was the that was not this current one. That's the one before. Yeah. It was twenty twenty three twenty four, so it was a good couple of years ago now. Yeah. Okay. So I'm not sure. Now Not sure do you think, what the she paid it. Moshe would But anyway, be able to have a record of her income tax assessment either from the accountants or the government or the we myGov account, do you think she'd be able to obtain it? can if you ever get it from my guys, I think.","start_word":611,"end_word":733,"sentiment":"neutral","sentiment_score":-0.031004103763801295},{"text":"Yeah.","start_word":734,"end_word":734,"sentiment":"positive","sentiment_score":0.3889684081077576},{"text":"It'll be on myGov for sure if you can go into Mhmm.","start_word":735,"end_word":746,"sentiment":"neutral","sentiment_score":0.3259325325489044},{"text":"if she can go into the inbox there and grab the old assessments for 2324, that would be fantastic.","start_word":747,"end_word":765,"sentiment":"positive","sentiment_score":0.5592722296714783},{"text":"Yep. Do you have any of our email contact details to forward it through? For you guys. Yeah. Sure. Should have. K. Because if Like, you just I've need got to write received a new I've got plenty of emails from you, so I can oh, it should Yeah.","start_word":766,"end_word":814,"sentiment":"neutral","sentiment_score":0.08344459533691406},{"text":"have Perfect.","start_word":815,"end_word":816,"sentiment":"positive","sentiment_score":0.4486099183559418},{"text":"a return email address here. All we're really looking for is we've got a number of sort of administration inboxes that we can access. So if you find, like, an info@OakviewFinancial.com.au or Yep.","start_word":817,"end_word":849,"sentiment":"neutral","sentiment_score":0.2255732864141464},{"text":"a support or review or anything like that, that would be good.","start_word":850,"end_word":861,"sentiment":"positive","sentiment_score":0.3448540270328522},{"text":"If it is an individual, maybe just give us a quick buzz and let us know who you're sending it through to. Yep. K? That should pretty much allow us to do a bit of a calculation this week, and then I will send it off for approval for a reimbursement. Okay. Is that okay? Yep.","start_word":862,"end_word":917,"sentiment":"neutral","sentiment_score":0.17983506619930267},{"text":"Perfect.","start_word":918,"end_word":918,"sentiment":"positive","sentiment_score":0.5899773836135864},{"text":"The other thing I was gonna mention was your idea last time as well. Once we get past June 30, we should actually have eclipse the period to do those recontributions. So Yes. once the Yes. government does do their withdrawals, if you wanna wait a few months and do some another round of contributions, if that's your preference, We can organize that with you rather than trying to get it invested into the investment account. Just wanted to sort of gauge Yep. why you'd like to go with it. Yeah. Well, that was that was something I wanted to ask specifically. Do you think this asshole government we have are going to change the capital gains tax laws? For superannuation? Well, for for any capital gains, like, for that investment account, I'm thinking if it's likely they're going to change the conditions of capital gains, we may liquidate that account and use that money to put it back into the pension fund. Yeah. So why don't we once the funds are released, why don't we go through, and I'll have a talk with the guys about any rumors of legislative changes? And then maybe we can put a bit of a plan together about how much should go into investment versus pension, and we'll kind of just navigate the minefield a little bit. I do know they do tend to grandfather a lot of things when it comes to superannuation, so that's a pretty safe space. But you're right. When it comes to capital gains tax, I know they're going for property and inheritance mainly, probably be the main direction. But if there's any risk of getting it invested or keeping it in there, I can definitely kind of incorporate that in a plan for you for, I Yeah. guess, the Well, financial year. well, yeah, as as from what I can understand that they're talking about changing a 50% reduction provision. Yeah. Which So, would not like be the most fun thing for all Australian investors because that's a very important it's a very important provision for us to actually be able to have some incentive to invest and grow yeah. wealth. So Yeah. So so overall, my my thinking is to take that investment money, put it into Mercer's super pension fund, and then the the money that they withdraw now, we'll just keep that in an interest bearing bank account until my super in '20 Gotcha. 06/27, and put that money into my pension. Okay. So That that sounds it like so a that pretty everything reasonable price.","start_word":919,"end_word":1350,"sentiment":"neutral","sentiment_score":0.07753245444554421},{"text":"is in pension and and that we do away with that investment altogether.","start_word":1351,"end_word":1363,"sentiment":"negative","sentiment_score":-0.3575713038444519},{"text":"Yeah. So especially if they look to change those, I'll I'll put a few notes on the account and we'll kind of, again, plan out Yeah. the financial years a little bit. And if we go to do that, I'd like to do it at similar time frames, especially because we have to wait until the new financial year to make those contributions anyway, whether it's liquidated or withdrawn. So once it's withdrawn, if you wanna keep that in savings until we go through that plan in July, then we can do the contributions then if that's okay. Yeah. Well, we'll we'll sort it out, I guess, once this once the tax office make the move. Absolutely. And if you do notice a a large sum of money hit your bank account, if you could just give us a call when you know, Yep. I can start working on some plans and doing a bit of research for you. Uh-huh.","start_word":1364,"end_word":1523,"sentiment":"neutral","sentiment_score":0.05710584099870175},{"text":"Thank you. Perfect.","start_word":1524,"end_word":1526,"sentiment":"positive","sentiment_score":0.422053337097168},{"text":"So just to make sure I've got all of this correct, we'll go through and if you guys can send through the twenty twenty three, twenty four income tax assessment for Mercia, Yep. then give us a contact once you have the withdrawn funds from super, and then we'll look to do the full three years with Mercia in the '26 '20 Yep. 2627 financial year. And then once your cap kind of resets, we'll look to do a That'll be further the following amount the following year, another twelve following months. financial year. And then in the interim, we'll look at possibly moving as much of the investment account to the super environment as possible in pension phase, and we'll keep some funds in the interest savings account until we can do those contributions. Mhmm. Yes.","start_word":1527,"end_word":1663,"sentiment":"neutral","sentiment_score":0.052400972694158554},{"text":"Perfect.","start_word":1664,"end_word":1664,"sentiment":"positive","sentiment_score":0.3509570360183716},{"text":"Alright. I've got all that noted down. Is there anything else, any other questions, or anything I can do for you, sir? No. I think that should cover it for now.","start_word":1665,"end_word":1695,"sentiment":"neutral","sentiment_score":0.1769096702337265},{"text":"Perfect. I do appreciate you taking my call first thing in the morning. Thank you so much for that.","start_word":1696,"end_word":1714,"sentiment":"positive","sentiment_score":0.660156786441803},{"text":"And if you can, again, just flick through that email. If you have any trouble or it's going to an individual, if you can just give us a call to let us know who you're sending us through to, that would be fantastic.","start_word":1715,"end_word":1757,"sentiment":"neutral","sentiment_score":0.11342829465866087},{"text":"Okay. Okay. Thank you. Thank you, Richard. Have a fantastic day. You too. Bye.","start_word":1758,"end_word":1771,"sentiment":"positive","sentiment_score":0.6641173362731934}],"average":{"sentiment":"neutral","sentiment_score":0.0852043135927714}}}}