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I was giving you a call to go through and have a discussion with you with respect to the the advice that you were looking to seek. I know that you've been speaking with my team, Maddie and and Jordan. Yeah. So I guess before I do jump into it, I do need to let you know that our calls are recorded. And then from there, I guess the best thing for me to do is just to, in your own words, find out where you're at and what you're trying to, like, look at advice, what advice areas you're looking to engage in, and and what you're looking to achieve with respect to the advice. Larissa. That's okay. Financial. Yeah. Yeah. Yeah. Perfect. Can I ask, how how old are you? So when is when is retirement for you? Yeah. Okay. And then it's just yeah. Depending on on where things fall from there as to whether you can always away. If we could just retire today, we all would. Okay. So we're looking to sort of look at, like, shares of property and see where those things fit. Okay. Yeah. Okay. Cool. No. That's alright. So financial advice forms multiple different, I guess, areas. And I can I can see that you have your primary residence, so the home that you live in, and then you'd already have an investment property as well? Looks like you have a bit of equity within those properties that you could potentially utilize to purchase again. But are you wanting to hold those the property in your own name, or are you wanting to sort of diversify out into an SMSF fund specifically for property purchase? Yes. Yes. Yes. So, like, a, yeah, future property. Okay. So it's just you're open to to either option. Yep. Yep. Yeah. Okay. Alright. So let's I guess, let me go through and and sort of grab a couple of details so I can fill a few things out and just get more of a an overarching understanding of where you sit. So I understand you work in, like, IT. You're fully administration based. And we're a contractor. Is that correct? Yep. Alright. Fantastic. Are you do you contract to the one company, or do you contract to multiple different firms? Okay. Yeah. Yeah. One at a time. Yep. Alright. Yeah. Yeah. Yeah. That's perfect. And the contract, usually a twelve month contract? Or Very. Usually? Fine. Okay. Perfect. Six to twelve. Alright. Perfect. Now income wise, what kind of income is the contract work producing? And then secondarily to that, what are you paying yourself, or are they the same amount less tax? Yep. Yeah. Yeah. Yeah. Yeah. Concessional, but I know what you mean. Yeah. Yeah. Okay. Cool. No. That's good. Alright. So we're we've been maxing out concessional, possibly looking at nonconcessional avenues. Do you know what like, if you were to look at 12 like, over the last twelve months, what what income has come in for, like, the company? K. Like, the yeah. This financial year. Okay. And then with two months left to go, would you say that you're sort of still on track for that maybe 90 just pushing into the 100,000? Okay. And then last financial year, what did you do you know what you turned over? Okay. Quite a substantial drop between years. Okay. Just out of choice or just the contract ended and it was time between the two? Okay. Alright. That's okay. So this financial year, are we going to be making, like, maxima sorry. Are we going to be maximizing the concessional contributions, or does cash flow restrict that? Okay. 30. Okay. Okay. Now do you know what's sitting in the company as sort of capital at the moment, like, within the bank accounts? You're okay. 60,000. Okay. And the structure of the company, is it a trust with a company, or is it just a company structure? Okay. No. That's okay. Oh, okay. Perfect. So I guess to make it clear in my head and make sure that I've got everything covered, the company so the company that you're operating the business under, what's it called? Up here. Perfect. Fantastic. And then the trust, does that have, like, a name? I mean, it will, but that's okay. No. That's okay. So is that just a trust or is that a trust with a company structure? Trusting company. Alright. And currently, that owns nothing? Yep. Yes. Yeah. And what would you do what would you do under the trust? Yes. Perfect. Yep. Yeah. No. Cool. Because my my concern is is that if we start paying out income into the trust, trust trusts are taxed at 47% for any capital that's held. Yeah. So and it'll depend on which struct which trust structure you have, but, realistically, you're probably I'm assuming a discretionary trust is what you've set up. And the the yep. It's the family or a discretionary, and generally speaking, it's it's more than likely a discretionary. So, yeah, it's taxed at 40474747% tax on anything that's held within the trust. Now there are some ways that we can tax mitigate, reduce, and strategies that we can implement, but, yeah, definitely don't just start transferring the income into the trust and holding it because it becomes capital and capital under the trust tax. So yeah. Under the shares, like, there's there's structures that we can incorporate to make sure that it's all kosher. But, yeah, we you don't just don't just transfer it in and and let it hold. We need to make sure that we set it up properly. So we can definitely help with that to make sure that we're we're tax minimizing and we're being smart in that form. Now property and shares, a 100%, we can we can have it all operating that way. Would No. That's okay. Perfect. Now other assets that you hold, so is it just the two properties that you own? Do we have any any vehicles or money in your personal bank account? Yep. Yeah. 200, you say? 200? Perfect. So I just want so I just wanna double check. The our primary place of residence is worth about 1,500,000, and then the debt on it is 400,000. Is that including the money in offset? So the actual debt is 600, or is it 400,000 and you've offset 200, so you're only incurring interest on the remaining 200? Yep. Yep. Yep. Okay. Okay. So we're we're basically no. That's okay. So are you currently on, like, a builder's loan? Yeah. Until it's built. Yeah. So yep. Okay. So the current loan would be 200,000 then, and you fully offset that with the offset account. But then you have a a pending builder's loan for about 300,000 that will that will get released as you go through staging. Yes. Yep. Okay. Okay. So we've got 200 in the offset, and then we have, like, another bank account that has another 200,000. Okay. Perfect. And we're intending on shifting that money into the offset once the bill's released because we don't wanna incur any interest. Then Mhmm. Yep. Yep. And you Well, if the money's been exhausted, no. It'll just depend on so, like so so right now, theoretically speaking, you could with the money that's an offset, you could pay off your your primary foot your primary residence loan. You obviously haven't because it it the money in offset gives you liquidity. There's no problems there. You've applied for and taken out a building loan, and that'll sit there as basically a pending loan that will get drawn. So if if if it's being accepted, the builder basically has access. And what will happen yeah. So what what will happen is no. Yeah. What will happen is when when you go through staging with with the build, so once the foundation's poured, the builder is able to apply to the lender to say, hey. We've met this requirement. This amount of money can be released. Generally, that's that's how building loans work, generally. Okay. It's just the standard loan. Right. Understood. Okay. Yeah. Understood. Perfect. Okay. Cool. No. No. No. It's so okay. Alright. So I guess let's let's just call them two loans because that essentially, that's what they are. With the two loans, one of them hasn't been drawn down on, so it's fully offset right now. And then we've got our investment property, and I've got a value of about 1.1 mil. It's about 500,000 in debt on the mortgage. On that mortgage? Fantastic. Investment property. Yeah. And what's the income from that property? Yeah. Yeah. Right. 1,100 per week? Alright. Is that the gross amount before, like, the real estate's taken any of their fees or anything like that? Okay. Alright. Perfect. Amazing. And then you said you had another bank account that basically had that 200,000 sitting in it as well. Alright. Are there any other assets, shares, any little hidey holes, or anything like that that I need to know about? Yep. Is that personally owned? Where where where have we traded through? Yep. Yep. Nope. That's absolutely okay. Perfect. Okay. So we've got we've got some decent assets built up, and we're looking to possibly go out and buy more assets. So shares property possibly under a trust structure, but we wanna be tax effective with it. And then a possibility to maybe shift some of your income or all of your income from your the comp like, RPL company over into the trust. To be able to figure out what yeah. No. You're you're you're okay. Go ahead. Yeah. To be able to figure out what that, I guess, kinda looks like, I need to know what your lifestyle looks like. So what income you actually require to be able to live day to day. No. You're okay. Yeah. Of course. No. No. You're so fine. Okay. So with with your expenses, does that include the two kids? Yep. And okay. And that was gonna be my next question. Do you co parent or is there, like, a split parental relationship? Is there any child support that has to be paid on either either side? Or Yep. Exhausted. Okay. And I I just, I guess, wanna ask, all the assets that you own, you own per like, you own yourself. There's no one else. Yeah. There's no one else that owns them shared with you? No. Cool. Just wanna double check. Alright. Perfect. So with with respect to, I guess, the superannuation contributions and possibly looking at alternative income sources for you and looking at sort of where we can direct some of your your assets, I do wanna have a look at your super fund. I understand that you do have Rider Super as your superannuation platform and about $380,000 sitting within the fund. What I would like to look at and it's not something you necessarily have to get today. It's something that, you know, I can send an email for like, to you for you to sort of maybe provide it at a later date. But I wanna look at the historical amounts of money that you put into the account over the over the last number of years. It's something you can obtain from the ATO. And the reason I wanna look at that is, a, from a tax effective point of view, whilst you may have been maxing out, you know, the $30,000 contribution for the last couple and while you've been, you know, as a company structure working for yourself for the last three years, there may be a couple of years that we could use the caps and do it tax effectively. Contribution caps. Yeah. Yep. Okay. Yeah. So you weren't maxing out the contribution caps. You were you were just you were just the caps were with yeah. So can I ask before you went to contractor or, like so last before last financial year where you went to 02/20, what was your rough income prior to that? Okay. Yeah. Okay. So quite a jump between between, you know, 01/20 up to 02/20. And then, you know. Yeah. Just get everything sorted. Okay. So I guess no. That's okay. I can always send you an email, and you can just reply to the email when you have a chance to have a look for it. Or sometimes, you know it's there. It's just digging for it. It's pain. Do you know have you like, as a business, generally, you know, sort of you'll do a trajectory forward to sort of future plan for the business. What's the business trajectory for next financial year? So that's '26, '27. Yeah. Yes. Yeah. Gross. Okay. Perfect. So that means that based on that, next financial year will probably be where we can start really executing some of the strategies more heavily than this financial year, especially if you're on track for that 90 to a 100 by the end by the close of this financial year. You've you we're gonna be sort of capping out a lot of from a tax effective point of view, we're gonna be capping out a lot of of strategies. You know? If we start putting too much into the super fund or too many too much money into certain buckets, what's gonna happen is you get you're just gonna you're gonna cap out tax wise, and there's gonna be no benefit to moving the money around this year. But next year, if we're on on on track to do that 02/20, we can much more tax effectively start strategizing. That doesn't mean that we we, you know, we stop or or pause anything right now. It just means that we can start future planning really nicely and effectively. Yeah. Yeah. Okay. No. That's okay. We can definitely sort of structure things a little bit better with regards to where we're directing money and how we're the overall function of things. Is there anything, I guess, that I haven't, I guess, touched on that you have as an overarching goal that you're trying to work towards? So whether it be make sure that you have money put aside for the kids and have have some, you know, investments for them for when they get a little bit older, or, you know, is it that you need to buy a new car? Is it that you know, anything else apart from, like, I guess, the big ones that we've touched on? Yeah. Yeah. Yeah. Yeah. So you you you're gonna need a new car? Yeah. Yep. That's okay. Perfect. So you'll you'll need a new car, so possibility to buy it. Yeah. Alright. So yeah. As they come. Yeah. Nope. Perfect. Yes. Yeah. Yep. Yeah. Yeah. You don't you don't you wanna keep liquidity with your account. You don't wanna lock it away. No. That makes sense. Okay. So with I guess I I guess just to sort of summarize all your goals to make sure that I've I've I've got it them clear. So there's the car. There's the travel. They are future planning. They're pretty low priority, and they will as you said, they'll fall in place once the big stuff starts getting fixed and sorted for you. Your big goals are confirmation of, I guess, where your income's going and the best way to structure it from a tax planning and income flow position, purchase of properties and shares from a growth and wealth generation position as well, and where is the best place for those assets to be purchased, whether it's company trust, personal structure. Yeah. Yep. So, basically, I'll set it. Yeah. Yeah. Hi. Do you know what the asset's gonna be worth once it's built? No. Yes. Yeah. Yeah. Well, do you I was gonna say, what's your what's your address? Because I can look up an estimation. Okay. What we thought. No. That's okay. No. That's fantastic. 1.6 is great. And do you know what your like, what I guess, what what building is being built? Is it sort of like a granny flat, or is it a completely separate dwelling? Granny flat. Okay. Yeah. And what are we looking to rent it out for? Yep. No. No. That's okay. Alright. The the the re like, I the the property will have to be valued for it to get an accurate value. So you'd have to go through the bank and get it valued that way because the way you've done it, especially if you've done it on realestate.com, it's not gonna show up as a true valuation because real estate is not gonna know that it has a separate dwelling on it, so on and so forth. Not gonna have all the details. Right now, it has an estimation based on what the details are on the property. So if it's, say, five bedroom, two bathroom, four carport, what it does is it finds other properties in that in that range with those offerings and the rough same, you know, property land size, and it goes, well, other properties in the area have sold for this amount. The medium amount is this. You know? And the more properties in the area that have sold, the higher that confidence goes up. If there haven't been any properties that have sold in a long time in the area, the confidence becomes lower. Whereas if there's lots of properties selling in the area, the confidence starts getting higher and higher based on the valuation estimate. Yeah. So if you've done these, Yeah. So there's there's yeah. So there's been a few properties that have sold in the area, and they're pretty like, the the app and how it it binds the data, they're pretty confident that you'd be able to get roughly that amount of money. It's not obviously a true figure, but it's rough. If you've done other work to the property that, you know, realestate.com doesn't know about, the valuation's totally off. Yeah. So right now, fine way of valuing the property. The second that Granny Flat is built, it's not gonna show you the true value. Yeah. Yeah. 100%. Yeah. You can just get a real estate agent to come through and have a look. Don't be wrong. If you do that, they're gonna harass you. But if you use the real estate agent that you are intending on using from a rental capacity yeah. Or, like, if you come if you get a valuation done, sometimes they harass you wanting to sell it. But if you if you go through the agent the agency that's gonna be the rental agency, they'll be able to give you a valuation. Yeah. They'll know exactly what you're wanting it for, and they'll be able to just help you out for that. So yeah. Perfect. So we're gonna build the Granny Flat. Our current investment property is chugging along. It's got rent coming in there as well, and we just wanna sort of, I guess, look after the kids and just let them grow up and do their thing from a personal point of view. I know. And you've got a 13 year old. Isn't it a blessed age? You've got do you have a a son and a daughter or two sons? So it's you'll you're you'll really oh, beautiful. So you you've been through it a few times there. Isn't it fun? Every time, no matter what. They're all they're all different. They all have their different little quirks and and attitude that never never changes. They always they always know more than you, and they're always willing to push all the boundaries. They definitely okay. So I think I've got a pretty good basis as to where we need to go moving forward. The biggest thing for me is probably just getting a few more data points from yourself. So a state like, a a statement on your super fund, you know, confirmation of your cash flow, stuff like that. But I'll send you an email so that way you don't have to write anything down, and you can just respond straight back to me. So that way, you know, it's coming to myself. You have a direct connection to me. And from there, what I'll do is I'll start putting together research to be able to start articulating where we can head. One of the biggest things I am gonna ask for is the trust deed for your discretionary trust. That's gonna be probably the biggest painful thing for you to pull and send to me. It's just so I can see how it's set up and make sure that anything that I do under the trust works within the trust deed and whether maybe we need to make changes to the trust deed. Hopefully, we don't, but I just wanna make sure that I'm obviously looking at it properly and not just making assumptions. Okay? So I'll send you an email so that way we can get all of that information through. Now I know that you did speak to Jordan yesterday and said that you did not want me to look at your superannuation or your insurances at all. They do they do form part of your overall assets. Do you want me to have a look and see whether there's anything I can do within those realms, insurance, super wise, to get a better product or cheaper product or better performance, better features with the insurance, anything like that? Yep. Okay. Yep. Yep. I'm not a solicitor, but I, with respect to doing, like, beneficiary nominations and stuff like that, we can definitely make sure that we consider how to best format it. If you're wanting a trust structure, what you'll need to do is you'll need to have your estate take control of everything. That's the only way to make sure that the benefit goes into a trust structure. Otherwise, if you're wanting to, like, try and nominate like, if the beneficiary forms with the superannuation and any insurance policy, You could nominate a direct person or you can nominate your estate. If you nominate your estate, your estate can then distribute any of the assets or or income to whichever structure you want it to. So if you want it to transfer over to the trust structure, whether you want it to transfer over to individual people. Yeah. Yep. To the kids. Yep. Yeah. Yep. Expenses. Find it again. Well, what I'll do is I'll get you the email through, Demisha. That way, I can tear it apart and have a look at it. Perfect. Well, I'll I'll send you an email with all the little bits and pieces that I would like from you statement wise. If you need any help getting them, we can help you out, especially with, like, Tel, Brighter Super, stuff like that. We can we can contact them on your behalf if you give us authority to. But, otherwise, if you just wanna send statements through, that's completely okay as well. And then if there's anything that does pop up, I'll flick you an email and organize a time to just touch base. If there is anything that does you know, that I need clarification on or that I just sort of wanna double check with you, then I'll do that. But, otherwise, what I'll do is I'll start getting everything together and start researching your overall position and how we can best structure things for you. Now at the end of the day, if there's no advice that I can give you to put you in a better position, I'm going to tell you exactly that. Okay? I will say, look. I'm not the best person. I don't think that's gonna be the outcome, but, you know, there's there's nothing I can do. You're sitting really good. Right now, you do or don't have the capacity to do something. Let's talk in twelve months. I will I will say that to you point blank if I can't do anything to help you out. I'm not gonna sit here and, you know, charge you money to do nothing for you. I'm not interested in that. So I'm gonna be very forthcoming if I start pulling this apart and there's nothing I can do to help you out. I just wanna be open and honest about that. Alright? Okay. Good. Yeah. It's definitely sounding like that's a possibility. I will I will pull the figures and have a look, but it sounds like based just just from a numbers perspective Yeah. Yeah. Correct. Yeah. It'll depend on what income you've had coming in from the property. Like, if you as you said, you hadn't rented it for quite a number of months. Ten okay. Ten ten months. There you go. Okay. So ten months of no income. Okay. And then it got rented yeah. So and then it got okay. So March 25 to basically halfway through halfway through April of 20 '26. Yes. Look. Realistically, possibly, this financial year is not gonna be a financial year for you to do anything much. That that could also go from a putting contributions into your super fund. I will run the numbers. Don't do anything, but I will run the numbers and have a look. Because if you, yeah, if you haven't been if you haven't rented out that property for basically well, it's it's ten months worth of this financial year. Yeah. So you've got it's nine and a half months. You got two and a half months left of this financial year that you're renting it out. You're you're renting it out at $1,100 a week. You know, you still got costs and stuff like that you've you've incurred. 60,000 dollars that you've spent on the property including the interest that you've paid. You've you've you've made nothing, and then your income, your income being the basically, about a $100, by the time you take, yeah, by the time you take the $60,000 off your income of a $100, you're left with sort of 40. It's and don't get me wrong. It's not offset's not dollar for dollar. We, you know, we all know those kinds of things. But but, you know, your your income's starting to get a little bit on the lower side. Any money that you're trying to offload elsewhere is starting to get into the probably less tax effective bracket. Yeah. Oh, cool. Oh, lovely. Yep. Okay. So how much did you spend ignoring insurance? Or was it 60 overall and then you know how much insurance paid you? Yep. Okay. Alright. So you're 30 k out of pocket still. Okay. Okay. No. That's still good. Yeah. No. Yeah. Yeah. No. Yep. Yes. Yeah. In the company. Correct. And especially especially if our like, the the the basically, the the the toss-up is, do we pay company tax at 30% or do we pay marginal tax rate? And that's that's gonna basically be the the the coin flip that we're gonna deal with. So I'll have a I'll have a look at it from that perspective and see where we're sitting. We have $60 that we could basically pull. I'll make sure that I've I've run it through and have a look. And then when we pull it, where we're gonna put well, what we're gonna do with the money. Can I ask, do you have a good accountant that you actually sit with and work with? Yep. What? Yep. I wish I had accountants in my practice. No. We have accountants that we refer to, and we only use them because they have done such great work for our clients historically. Other like, I have previously ceased refer like, referring clients to other firms because they, you know, haven't done good work. So I've I use these guys because they have produced fantastic work for my my clients. So I am more than happy if you wanna in the email that I send you, I can pop their details in, and you can have a look and look at contacting them from that perspective. Yeah. Yeah. Yeah. And look, we we always have those years where I mean, it sounds like yours was particularly bad because of a bad tenant, but we always have those years where they ebb and flow. So, I mean, fingers crossed, we can put you in a good position tax wise and get you paying as little tax as possible from that perspective. But, yeah, let me yeah. And whether we do something next year. Yes. I'll I'll have a look to see whether it's worth doing anything this year. Based on the income that you pulled in, I'm thinking possibly not. And I'll run the figures, and I'll show you. Correct. It it's not even it's not even financially. It's just so marginal tax rates, you when when we pay when we pay tax personally, we pay it at a marginal rate. For the first 18,200, we pay no tax on. So it makes no sense to put, you know if you earn $20 for the year, it makes no sense putting $20,000 into the superannuation fund to make to mean that you've earned nothing because then you pay 15% through the super fund tax where where you wouldn't where you wouldn't have paid you would have paid basically nothing personally. So tax effectively, no sense. It's where it's where concessional contributions could come in where instead of putting non concessionally, we could put sorry. Instead of putting concessionally, being that that that your super fund would pay tax and you would get a tax offset, you could put it in non concessionally, which means that you pay your marginal tax rate and the money goes into the super fund and no additional tax is paid. We could do it that way because it it's still you know, it it generates a a return. It's, you know, investing. It's it's doing all the things that we want it to do. But we just need to look at where the numbers really sit overall. I'm thinking a little bit more towards the probably no concessional contributions, but there may be some room where we could put a little bit in. It'll just depend on where the numbers all kind of fall. Yeah. Perfect. Well, I'll I'll start getting cracking with this. You'll have an email from me tomorrow just with a request for the the additional information that I've sort of sprinkled throughout this conversation. And and I'll start start getting cracking with the research. Alright? Correct. No. Yeah. So yeah. Yeah. That was with Jordan. So you originally you've spoken with two of my team. You spoke you spoke with Maddie or Madison originally, and then and then you spoke with Jordan yesterday. Yes. Yes. Yes. Yes. You did speak with Kaden originally, didn't you? Yes. You spoke with Kaden, and he scheduled you in with Madison, and then you spoke with Jordan, and now you're speaking with me. Yes. Yeah. Yeah. Spoke with yeah. Maddie Maddie on the seventeenth. And then well, Madison, but Maddie. Yep. And then, yeah, Jordan Jordan yesterday, it's sort of about midday. Yeah. I know. No. So yeah. So what what I'll do is I'll start getting everything together, and we can go from there, touch base. No. My pleasure, Pearl. Absolutely. We'll speak soon. 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Good afternoon, Pearl. Larissa here from OC Financial. How are you going? Really good.\n\nThank you. I'm the head of financial advice. I was giving you a call to go through and have a discussion with you with respect to the the advice that you were looking to seek. I know that you've been speaking with my team, Maddie and and Jordan. Yeah.\n\nSo I guess before I do jump into it, I do need to let you know that our calls are recorded. And then from there, I guess the best thing for me to do is just to, in your own words, find out where you're at and what you're trying to, like, look at advice, what advice areas you're looking to engage in, and and what you're looking to achieve with respect to the advice. Larissa. That's okay. Financial.\n\nYeah. Yeah. Yeah. Perfect. Can I ask, how how old are you?\n\nSo when is when is retirement for you? Yeah. Okay. And then it's just yeah. Depending on on where things fall from there as to whether you can always away.\n\nIf we could just retire today, we all would. Okay. So we're looking to sort of look at, like, shares of property and see where those things fit. Okay. Yeah.\n\nOkay. Cool. No. That's alright. So financial advice forms multiple different, I guess, areas.\n\nAnd I can I can see that you have your primary residence, so the home that you live in, and then you'd already have an investment property as well? Looks like you have a bit of equity within those properties that you could potentially utilize to purchase again. But are you wanting to hold those the property in your own name, or are you wanting to sort of diversify out into an SMSF fund specifically for property purchase? Yes. Yes.\n\nYes. So, like, a, yeah, future property. Okay. So it's just you're open to to either option. Yep.\n\nYep. Yeah. Okay. Alright. So let's I guess, let me go through and and sort of grab a couple of details so I can fill a few things out and just get more of a an overarching understanding of where you sit.\n\nSo I understand you work in, like, IT. You're fully administration based. And we're a contractor. Is that correct? Yep.\n\nAlright. Fantastic. Are you do you contract to the one company, or do you contract to multiple different firms? Okay. Yeah.\n\nYeah. One at a time. Yep. Alright. Yeah.\n\nYeah. Yeah. That's perfect. And the contract, usually a twelve month contract? Or Very.\n\nUsually? Fine. Okay. Perfect. Six to twelve.\n\nAlright. Perfect. Now income wise, what kind of income is the contract work producing? And then secondarily to that, what are you paying yourself, or are they the same amount less tax? Yep.\n\nYeah. Yeah. Yeah. Yeah. Concessional, but I know what you mean.\n\nYeah. Yeah. Okay. Cool. No.\n\nThat's good. Alright. So we're we've been maxing out concessional, possibly looking at nonconcessional avenues. Do you know what like, if you were to look at 12 like, over the last twelve months, what what income has come in for, like, the company? K.\n\nLike, the yeah. This financial year. Okay. And then with two months left to go, would you say that you're sort of still on track for that maybe 90 just pushing into the 100,000? Okay.\n\nAnd then last financial year, what did you do you know what you turned over? Okay. Quite a substantial drop between years. Okay. Just out of choice or just the contract ended and it was time between the two?\n\nOkay. Alright. That's okay. So this financial year, are we going to be making, like, maxima sorry. Are we going to be maximizing the concessional contributions, or does cash flow restrict that?\n\nOkay. 30. Okay. Okay. Now do you know what's sitting in the company as sort of capital at the moment, like, within the bank accounts?\n\nYou're okay. 60,000. Okay. And the structure of the company, is it a trust with a company, or is it just a company structure? Okay.\n\nNo. That's okay. Oh, okay. Perfect. So I guess to make it clear in my head and make sure that I've got everything covered, the company so the company that you're operating the business under, what's it called?\n\nUp here. Perfect. Fantastic. And then the trust, does that have, like, a name? I mean, it will, but that's okay.\n\nNo. That's okay. So is that just a trust or is that a trust with a company structure? Trusting company. Alright.\n\nAnd currently, that owns nothing? Yep. Yes. Yeah. And what would you do what would you do under the trust?\n\nYes. Perfect. Yep. Yeah. No.\n\nCool. Because my my concern is is that if we start paying out income into the trust, trust trusts are taxed at 47% for any capital that's held. Yeah. So and it'll depend on which struct which trust structure you have, but, realistically, you're probably I'm assuming a discretionary trust is what you've set up. And the the yep.\n\nIt's the family or a discretionary, and generally speaking, it's it's more than likely a discretionary. So, yeah, it's taxed at 40474747% tax on anything that's held within the trust. Now there are some ways that we can tax mitigate, reduce, and strategies that we can implement, but, yeah, definitely don't just start transferring the income into the trust and holding it because it becomes capital and capital under the trust tax. So yeah. Under the shares, like, there's there's structures that we can incorporate to make sure that it's all kosher.\n\nBut, yeah, we you don't just don't just transfer it in and and let it hold. We need to make sure that we set it up properly. So we can definitely help with that to make sure that we're we're tax minimizing and we're being smart in that form. Now property and shares, a 100%, we can we can have it all operating that way. Would No.\n\nThat's okay. Perfect. Now other assets that you hold, so is it just the two properties that you own? Do we have any any vehicles or money in your personal bank account? Yep.\n\nYeah. 200, you say? 200? Perfect. So I just want so I just wanna double check.\n\nThe our primary place of residence is worth about 1,500,000, and then the debt on it is 400,000. Is that including the money in offset? So the actual debt is 600, or is it 400,000 and you've offset 200, so you're only incurring interest on the remaining 200? Yep. Yep.\n\nYep. Okay. Okay. So we're we're basically no. That's okay.\n\nSo are you currently on, like, a builder's loan? Yeah. Until it's built. Yeah. So yep.\n\nOkay. So the current loan would be 200,000 then, and you fully offset that with the offset account. But then you have a a pending builder's loan for about 300,000 that will that will get released as you go through staging. Yes. Yep.\n\nOkay. Okay. So we've got 200 in the offset, and then we have, like, another bank account that has another 200,000. Okay. Perfect.\n\nAnd we're intending on shifting that money into the offset once the bill's released because we don't wanna incur any interest. Then Mhmm. Yep. Yep. And you Well, if the money's been exhausted, no.\n\nIt'll just depend on so, like so so right now, theoretically speaking, you could with the money that's an offset, you could pay off your your primary foot your primary residence loan. You obviously haven't because it it the money in offset gives you liquidity. There's no problems there. You've applied for and taken out a building loan, and that'll sit there as basically a pending loan that will get drawn. So if if if it's being accepted, the builder basically has access.\n\nAnd what will happen yeah. So what what will happen is no. Yeah. What will happen is when when you go through staging with with the build, so once the foundation's poured, the builder is able to apply to the lender to say, hey. We've met this requirement.\n\nThis amount of money can be released. Generally, that's that's how building loans work, generally. Okay. It's just the standard loan. Right.\n\nUnderstood. Okay. Yeah. Understood. Perfect.\n\nOkay. Cool. No. No. No.\n\nIt's so okay. Alright. So I guess let's let's just call them two loans because that essentially, that's what they are. With the two loans, one of them hasn't been drawn down on, so it's fully offset right now. And then we've got our investment property, and I've got a value of about 1.1 mil.\n\nIt's about 500,000 in debt on the mortgage. On that mortgage? Fantastic. Investment property. Yeah.\n\nAnd what's the income from that property? Yeah. Yeah. Right. 1,100 per week?\n\nAlright. Is that the gross amount before, like, the real estate's taken any of their fees or anything like that? Okay. Alright. Perfect.\n\nAmazing. And then you said you had another bank account that basically had that 200,000 sitting in it as well. Alright. Are there any other assets, shares, any little hidey holes, or anything like that that I need to know about? Yep.\n\nIs that personally owned? Where where where have we traded through? Yep. Yep. Nope.\n\nThat's absolutely okay. Perfect. Okay. So we've got we've got some decent assets built up, and we're looking to possibly go out and buy more assets. So shares property possibly under a trust structure, but we wanna be tax effective with it.\n\nAnd then a possibility to maybe shift some of your income or all of your income from your the comp like, RPL company over into the trust. To be able to figure out what yeah. No. You're you're you're okay. Go ahead.\n\nYeah. To be able to figure out what that, I guess, kinda looks like, I need to know what your lifestyle looks like. So what income you actually require to be able to live day to day. No. You're okay.\n\nYeah. Of course. No. No. You're so fine.\n\nOkay. So with with your expenses, does that include the two kids? Yep. And okay. And that was gonna be my next question.\n\nDo you co parent or is there, like, a split parental relationship? Is there any child support that has to be paid on either either side? Or Yep. Exhausted. Okay.\n\nAnd I I just, I guess, wanna ask, all the assets that you own, you own per like, you own yourself. There's no one else. Yeah. There's no one else that owns them shared with you? No.\n\nCool. Just wanna double check. Alright. Perfect. So with with respect to, I guess, the superannuation contributions and possibly looking at alternative income sources for you and looking at sort of where we can direct some of your your assets, I do wanna have a look at your super fund.\n\nI understand that you do have Rider Super as your superannuation platform and about $380,000 sitting within the fund. What I would like to look at and it's not something you necessarily have to get today. It's something that, you know, I can send an email for like, to you for you to sort of maybe provide it at a later date. But I wanna look at the historical amounts of money that you put into the account over the over the last number of years. It's something you can obtain from the ATO.\n\nAnd the reason I wanna look at that is, a, from a tax effective point of view, whilst you may have been maxing out, you know, the $30,000 contribution for the last couple and while you've been, you know, as a company structure working for yourself for the last three years, there may be a couple of years that we could use the caps and do it tax effectively. Contribution caps. Yeah. Yep. Okay.\n\nYeah. So you weren't maxing out the contribution caps. You were you were just you were just the caps were with yeah. So can I ask before you went to contractor or, like so last before last financial year where you went to 02/20, what was your rough income prior to that? Okay.\n\nYeah. Okay. So quite a jump between between, you know, 01/20 up to 02/20. And then, you know. Yeah.\n\nJust get everything sorted. Okay. So I guess no. That's okay. I can always send you an email, and you can just reply to the email when you have a chance to have a look for it.\n\nOr sometimes, you know it's there. It's just digging for it. It's pain. Do you know have you like, as a business, generally, you know, sort of you'll do a trajectory forward to sort of future plan for the business. What's the business trajectory for next financial year?\n\nSo that's '26, '27. Yeah. Yes. Yeah. Gross.\n\nOkay. Perfect. So that means that based on that, next financial year will probably be where we can start really executing some of the strategies more heavily than this financial year, especially if you're on track for that 90 to a 100 by the end by the close of this financial year. You've you we're gonna be sort of capping out a lot of from a tax effective point of view, we're gonna be capping out a lot of of strategies. You know?\n\nIf we start putting too much into the super fund or too many too much money into certain buckets, what's gonna happen is you get you're just gonna you're gonna cap out tax wise, and there's gonna be no benefit to moving the money around this year. But next year, if we're on on on track to do that 02/20, we can much more tax effectively start strategizing. That doesn't mean that we we, you know, we stop or or pause anything right now. It just means that we can start future planning really nicely and effectively. Yeah.\n\nYeah. Okay. No. That's okay. We can definitely sort of structure things a little bit better with regards to where we're directing money and how we're the overall function of things.\n\nIs there anything, I guess, that I haven't, I guess, touched on that you have as an overarching goal that you're trying to work towards? So whether it be make sure that you have money put aside for the kids and have have some, you know, investments for them for when they get a little bit older, or, you know, is it that you need to buy a new car? Is it that you know, anything else apart from, like, I guess, the big ones that we've touched on? Yeah. Yeah.\n\nYeah. Yeah. So you you you're gonna need a new car? Yeah. Yep.\n\nThat's okay. Perfect. So you'll you'll need a new car, so possibility to buy it. Yeah. Alright.\n\nSo yeah. As they come. Yeah. Nope. Perfect.\n\nYes. Yeah. Yep. Yeah. Yeah.\n\nYou don't you don't you wanna keep liquidity with your account. You don't wanna lock it away. No. That makes sense. Okay.\n\nSo with I guess I I guess just to sort of summarize all your goals to make sure that I've I've I've got it them clear. So there's the car. There's the travel. They are future planning. They're pretty low priority, and they will as you said, they'll fall in place once the big stuff starts getting fixed and sorted for you.\n\nYour big goals are confirmation of, I guess, where your income's going and the best way to structure it from a tax planning and income flow position, purchase of properties and shares from a growth and wealth generation position as well, and where is the best place for those assets to be purchased, whether it's company trust, personal structure. Yeah. Yep. So, basically, I'll set it. Yeah.\n\nYeah. Hi. Do you know what the asset's gonna be worth once it's built? No. Yes.\n\nYeah. Yeah. Well, do you I was gonna say, what's your what's your address? Because I can look up an estimation. Okay.\n\nWhat we thought. No. That's okay. No. That's fantastic.\n\n1.6 is great. And do you know what your like, what I guess, what what building is being built? Is it sort of like a granny flat, or is it a completely separate dwelling? Granny flat. Okay.\n\nYeah. And what are we looking to rent it out for? Yep. No. No.\n\nThat's okay. Alright. The the the re like, I the the property will have to be valued for it to get an accurate value. So you'd have to go through the bank and get it valued that way because the way you've done it, especially if you've done it on realestate.com, it's not gonna show up as a true valuation because real estate is not gonna know that it has a separate dwelling on it, so on and so forth. Not gonna have all the details.\n\nRight now, it has an estimation based on what the details are on the property. So if it's, say, five bedroom, two bathroom, four carport, what it does is it finds other properties in that in that range with those offerings and the rough same, you know, property land size, and it goes, well, other properties in the area have sold for this amount. The medium amount is this. You know? And the more properties in the area that have sold, the higher that confidence goes up.\n\nIf there haven't been any properties that have sold in a long time in the area, the confidence becomes lower. Whereas if there's lots of properties selling in the area, the confidence starts getting higher and higher based on the valuation estimate. Yeah. So if you've done these, Yeah. So there's there's yeah.\n\nSo there's been a few properties that have sold in the area, and they're pretty like, the the app and how it it binds the data, they're pretty confident that you'd be able to get roughly that amount of money. It's not obviously a true figure, but it's rough. If you've done other work to the property that, you know, realestate.com doesn't know about, the valuation's totally off. Yeah. So right now, fine way of valuing the property.\n\nThe second that Granny Flat is built, it's not gonna show you the true value. Yeah. Yeah. 100%. Yeah.\n\nYou can just get a real estate agent to come through and have a look. Don't be wrong. If you do that, they're gonna harass you. But if you use the real estate agent that you are intending on using from a rental capacity yeah. Or, like, if you come if you get a valuation done, sometimes they harass you wanting to sell it.\n\nBut if you if you go through the agent the agency that's gonna be the rental agency, they'll be able to give you a valuation. Yeah. They'll know exactly what you're wanting it for, and they'll be able to just help you out for that. So yeah. Perfect.\n\nSo we're gonna build the Granny Flat. Our current investment property is chugging along. It's got rent coming in there as well, and we just wanna sort of, I guess, look after the kids and just let them grow up and do their thing from a personal point of view. I know. And you've got a 13 year old.\n\nIsn't it a blessed age? You've got do you have a a son and a daughter or two sons? So it's you'll you're you'll really oh, beautiful. So you you've been through it a few times there. Isn't it fun?\n\nEvery time, no matter what. They're all they're all different. They all have their different little quirks and and attitude that never never changes. They always they always know more than you, and they're always willing to push all the boundaries. They definitely okay.\n\nSo I think I've got a pretty good basis as to where we need to go moving forward. The biggest thing for me is probably just getting a few more data points from yourself. So a state like, a a statement on your super fund, you know, confirmation of your cash flow, stuff like that. But I'll send you an email so that way you don't have to write anything down, and you can just respond straight back to me. So that way, you know, it's coming to myself.\n\nYou have a direct connection to me. And from there, what I'll do is I'll start putting together research to be able to start articulating where we can head. One of the biggest things I am gonna ask for is the trust deed for your discretionary trust. That's gonna be probably the biggest painful thing for you to pull and send to me. It's just so I can see how it's set up and make sure that anything that I do under the trust works within the trust deed and whether maybe we need to make changes to the trust deed.\n\nHopefully, we don't, but I just wanna make sure that I'm obviously looking at it properly and not just making assumptions. Okay? So I'll send you an email so that way we can get all of that information through. Now I know that you did speak to Jordan yesterday and said that you did not want me to look at your superannuation or your insurances at all. They do they do form part of your overall assets.\n\nDo you want me to have a look and see whether there's anything I can do within those realms, insurance, super wise, to get a better product or cheaper product or better performance, better features with the insurance, anything like that? Yep. Okay. Yep. Yep.\n\nI'm not a solicitor, but I, with respect to doing, like, beneficiary nominations and stuff like that, we can definitely make sure that we consider how to best format it. If you're wanting a trust structure, what you'll need to do is you'll need to have your estate take control of everything. That's the only way to make sure that the benefit goes into a trust structure. Otherwise, if you're wanting to, like, try and nominate like, if the beneficiary forms with the superannuation and any insurance policy, You could nominate a direct person or you can nominate your estate. If you nominate your estate, your estate can then distribute any of the assets or or income to whichever structure you want it to.\n\nSo if you want it to transfer over to the trust structure, whether you want it to transfer over to individual people. Yeah. Yep. To the kids. Yep.\n\nYeah. Yep. Expenses. Find it again. Well, what I'll do is I'll get you the email through, Demisha.\n\nThat way, I can tear it apart and have a look at it. Perfect. Well, I'll I'll send you an email with all the little bits and pieces that I would like from you statement wise. If you need any help getting them, we can help you out, especially with, like, Tel, Brighter Super, stuff like that. We can we can contact them on your behalf if you give us authority to.\n\nBut, otherwise, if you just wanna send statements through, that's completely okay as well. And then if there's anything that does pop up, I'll flick you an email and organize a time to just touch base. If there is anything that does you know, that I need clarification on or that I just sort of wanna double check with you, then I'll do that. But, otherwise, what I'll do is I'll start getting everything together and start researching your overall position and how we can best structure things for you. Now at the end of the day, if there's no advice that I can give you to put you in a better position, I'm going to tell you exactly that.\n\nOkay? I will say, look. I'm not the best person. I don't think that's gonna be the outcome, but, you know, there's there's nothing I can do. You're sitting really good.\n\nRight now, you do or don't have the capacity to do something. Let's talk in twelve months. I will I will say that to you point blank if I can't do anything to help you out. I'm not gonna sit here and, you know, charge you money to do nothing for you. I'm not interested in that.\n\nSo I'm gonna be very forthcoming if I start pulling this apart and there's nothing I can do to help you out. I just wanna be open and honest about that. Alright? Okay. Good.\n\nYeah. It's definitely sounding like that's a possibility. I will I will pull the figures and have a look, but it sounds like based just just from a numbers perspective Yeah. Yeah. Correct.\n\nYeah. It'll depend on what income you've had coming in from the property. Like, if you as you said, you hadn't rented it for quite a number of months. Ten okay. Ten ten months.\n\nThere you go. Okay. So ten months of no income. Okay. And then it got rented yeah.\n\nSo and then it got okay. So March 25 to basically halfway through halfway through April of 20 '26. Yes. Look. Realistically, possibly, this financial year is not gonna be a financial year for you to do anything much.\n\nThat that could also go from a putting contributions into your super fund. I will run the numbers. Don't do anything, but I will run the numbers and have a look. Because if you, yeah, if you haven't been if you haven't rented out that property for basically well, it's it's ten months worth of this financial year. Yeah.\n\nSo you've got it's nine and a half months. You got two and a half months left of this financial year that you're renting it out. You're you're renting it out at $1,100 a week. You know, you still got costs and stuff like that you've you've incurred. 60,000 dollars that you've spent on the property including the interest that you've paid.\n\nYou've you've you've made nothing, and then your income, your income being the basically, about a $100, by the time you take, yeah, by the time you take the $60,000 off your income of a $100, you're left with sort of 40. It's and don't get me wrong. It's not offset's not dollar for dollar. We, you know, we all know those kinds of things. But but, you know, your your income's starting to get a little bit on the lower side.\n\nAny money that you're trying to offload elsewhere is starting to get into the probably less tax effective bracket. Yeah. Oh, cool. Oh, lovely. Yep.\n\nOkay. So how much did you spend ignoring insurance? Or was it 60 overall and then you know how much insurance paid you? Yep. Okay.\n\nAlright. So you're 30 k out of pocket still. Okay. Okay. No.\n\nThat's still good. Yeah. No. Yeah. Yeah.\n\nNo. Yep. Yes. Yeah. In the company.\n\nCorrect. And especially especially if our like, the the the basically, the the the toss-up is, do we pay company tax at 30% or do we pay marginal tax rate? And that's that's gonna basically be the the the coin flip that we're gonna deal with. So I'll have a I'll have a look at it from that perspective and see where we're sitting. We have $60 that we could basically pull.\n\nI'll make sure that I've I've run it through and have a look. And then when we pull it, where we're gonna put well, what we're gonna do with the money. Can I ask, do you have a good accountant that you actually sit with and work with? Yep. What?\n\nYep. I wish I had accountants in my practice. No. We have accountants that we refer to, and we only use them because they have done such great work for our clients historically. Other like, I have previously ceased refer like, referring clients to other firms because they, you know, haven't done good work.\n\nSo I've I use these guys because they have produced fantastic work for my my clients. So I am more than happy if you wanna in the email that I send you, I can pop their details in, and you can have a look and look at contacting them from that perspective. Yeah. Yeah. Yeah.\n\nAnd look, we we always have those years where I mean, it sounds like yours was particularly bad because of a bad tenant, but we always have those years where they ebb and flow. So, I mean, fingers crossed, we can put you in a good position tax wise and get you paying as little tax as possible from that perspective. But, yeah, let me yeah. And whether we do something next year. Yes.\n\nI'll I'll have a look to see whether it's worth doing anything this year. Based on the income that you pulled in, I'm thinking possibly not. And I'll run the figures, and I'll show you. Correct. It it's not even it's not even financially.\n\nIt's just so marginal tax rates, you when when we pay when we pay tax personally, we pay it at a marginal rate. For the first 18,200, we pay no tax on. So it makes no sense to put, you know if you earn $20 for the year, it makes no sense putting $20,000 into the superannuation fund to make to mean that you've earned nothing because then you pay 15% through the super fund tax where where you wouldn't where you wouldn't have paid you would have paid basically nothing personally. So tax effectively, no sense. It's where it's where concessional contributions could come in where instead of putting non concessionally, we could put sorry.\n\nInstead of putting concessionally, being that that that your super fund would pay tax and you would get a tax offset, you could put it in non concessionally, which means that you pay your marginal tax rate and the money goes into the super fund and no additional tax is paid. We could do it that way because it it's still you know, it it generates a a return. It's, you know, investing. It's it's doing all the things that we want it to do. But we just need to look at where the numbers really sit overall.\n\nI'm thinking a little bit more towards the probably no concessional contributions, but there may be some room where we could put a little bit in. It'll just depend on where the numbers all kind of fall. Yeah. Perfect. Well, I'll I'll start getting cracking with this.\n\nYou'll have an email from me tomorrow just with a request for the the additional information that I've sort of sprinkled throughout this conversation. And and I'll start start getting cracking with the research. Alright? Correct. No.\n\nYeah. So yeah. Yeah. That was with Jordan. So you originally you've spoken with two of my team.\n\nYou spoke you spoke with Maddie or Madison originally, and then and then you spoke with Jordan yesterday. Yes. Yes. Yes. Yes.\n\nYou did speak with Kaden originally, didn't you? Yes. You spoke with Kaden, and he scheduled you in with Madison, and then you spoke with Jordan, and now you're speaking with me. Yes. Yeah.\n\nYeah. Spoke with yeah. Maddie Maddie on the seventeenth. And then well, Madison, but Maddie. Yep.\n\nAnd then, yeah, Jordan Jordan yesterday, it's sort of about midday. Yeah. I know. No. So yeah.\n\nSo what what I'll do is I'll start getting everything together, and we can go from there, touch base. No. My pleasure, Pearl. Absolutely. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":6.0,"end":6.48,"sentiment":"neutral","sentiment_score":0.16017299890518188},{"text":"Good afternoon, Pearl.","start":6.48,"end":7.6,"sentiment":"positive","sentiment_score":0.33788641293843585},{"text":"Larissa here from OC Financial.","start":7.6,"end":9.22,"sentiment":"neutral","sentiment_score":0.2593372493982315},{"text":"How are you going?","start":9.28,"end":10.179999,"sentiment":"neutral","sentiment_score":0.277163527905941},{"text":"Really good.","start":12.495,"end":13.215,"sentiment":"positive","sentiment_score":0.7595886588096619}],"sentiment":"positive","sentiment_score":0.33988999426364896,"num_words":15,"start":6.0,"end":13.215},{"sentences":[{"text":"Thank you.","start":13.215,"end":13.955,"sentiment":"positive","sentiment_score":0.7171725630760193},{"text":"I'm the head of financial advice.","start":14.175,"end":15.935,"sentiment":"neutral","sentiment_score":0.19805988172690073},{"text":"I was giving you a call to go through and have a discussion with you with respect to the the advice that you were looking to seek.","start":15.935,"end":22.654999,"sentiment":"neutral","sentiment_score":0.15680718532315008},{"text":"I know that you've been speaking with my team, Maddie and and Jordan.","start":22.654999,"end":26.355,"sentiment":"neutral","sentiment_score":0.05729531410794992},{"text":"Yeah.","start":28.310001,"end":28.810001,"sentiment":"neutral","sentiment_score":0.05645345151424408}],"sentiment":"neutral","sentiment_score":0.15628144806440997,"num_words":49,"start":13.215,"end":28.810001},{"sentences":[{"text":"So I guess before I do jump into it, I do need to let you know that our calls are recorded.","start":30.550001,"end":34.65,"sentiment":"neutral","sentiment_score":0.01964577766401427},{"text":"And then from there, I guess the best thing for me to do is just to, in your own words, find out where you're at and what you're trying to, like, look at advice, what advice areas you're looking to engage in, and and what you're looking to achieve with respect to the advice.","start":35.35,"end":50.585,"sentiment":"neutral","sentiment_score":0.08096431702789333},{"text":"Larissa.","start":54.34,"end":54.84,"sentiment":"neutral","sentiment_score":-0.002687319647520781},{"text":"That's okay.","start":56.66,"end":57.48,"sentiment":"neutral","sentiment_score":0.052295563742518425},{"text":"Financial.","start":60.74,"end":61.24,"sentiment":"neutral","sentiment_score":0.02877095341682434}],"sentiment":"neutral","sentiment_score":0.06221910394563139,"num_words":79,"start":30.550001,"end":61.24},{"sentences":[{"text":"Yeah.","start":61.46,"end":61.96,"sentiment":"neutral","sentiment_score":0.08187657594680786},{"text":"Yeah.","start":99.135,"end":99.635,"sentiment":"neutral","sentiment_score":0.06204875558614731},{"text":"Yeah.","start":115.165,"end":115.565,"sentiment":"neutral","sentiment_score":0.17151153087615967},{"text":"Perfect.","start":115.565,"end":116.065,"sentiment":"neutral","sentiment_score":0.2310277670621872},{"text":"Can I ask, how how old are you?","start":116.605,"end":119.245,"sentiment":"neutral","sentiment_score":0.034651936730369925}],"sentiment":"neutral","sentiment_score":0.06864001027618845,"num_words":12,"start":61.46,"end":119.245},{"sentences":[{"text":"So when is when is retirement for you?","start":119.245,"end":121.425,"sentiment":"neutral","sentiment_score":0.012409500777721405},{"text":"Yeah.","start":124.54,"end":125.04,"sentiment":"neutral","sentiment_score":0.021341994404792786},{"text":"Okay.","start":132.54001,"end":133.02,"sentiment":"neutral","sentiment_score":0.0030039511620998383},{"text":"And then it's just yeah.","start":133.02,"end":134.06,"sentiment":"neutral","sentiment_score":-0.012449647858738899},{"text":"Depending on on where things fall from there as to whether you can always away.","start":134.06,"end":143.405,"sentiment":"neutral","sentiment_score":-0.04897408870359262}],"sentiment":"neutral","sentiment_score":-0.02244125393529733,"num_words":30,"start":119.245,"end":143.405},{"sentences":[{"text":"If we could just retire today, we all would.","start":143.405,"end":145.585,"sentiment":"neutral","sentiment_score":-0.04199570996893777},{"text":"Okay.","start":148.605,"end":149.005,"sentiment":"neutral","sentiment_score":0.08518953621387482},{"text":"So we're looking to sort of look at, like, shares of property and see where those things fit.","start":149.005,"end":156.26999,"sentiment":"neutral","sentiment_score":0.07702578935358259},{"text":"Okay.","start":161.93,"end":162.43,"sentiment":"neutral","sentiment_score":0.0744967833161354},{"text":"Yeah.","start":169.305,"end":169.625,"sentiment":"neutral","sentiment_score":0.1433202028274536}],"sentiment":"neutral","sentiment_score":0.04371697803338369,"num_words":30,"start":143.405,"end":169.625},{"sentences":[{"text":"Okay.","start":169.625,"end":170.025,"sentiment":"neutral","sentiment_score":0.23434367775917053},{"text":"Cool.","start":170.025,"end":170.34499,"sentiment":"positive","sentiment_score":0.3413870334625244},{"text":"No.","start":170.34499,"end":170.58499,"sentiment":"neutral","sentiment_score":0.10341347754001616},{"text":"That's alright.","start":170.58499,"end":171.14499,"sentiment":"neutral","sentiment_score":0.16295623034238815},{"text":"So financial advice forms multiple different, I guess, areas.","start":171.14499,"end":175.86499,"sentiment":"neutral","sentiment_score":0.18512473503748575}],"sentiment":"neutral","sentiment_score":0.1907985189131328,"num_words":14,"start":169.625,"end":175.86499},{"sentences":[{"text":"And I can I can see that you have your primary residence, so the home that you live in, and then you'd already have an investment property as well?","start":175.86499,"end":183.68001,"sentiment":"neutral","sentiment_score":0.18626420559554263},{"text":"Looks like you have a bit of equity within those properties that you could potentially utilize to purchase again.","start":183.90001,"end":189.68001,"sentiment":"neutral","sentiment_score":0.2619767894870357},{"text":"But are you wanting to hold those the property in your own name, or are you wanting to sort of diversify out into an SMSF fund specifically for property purchase?","start":190.245,"end":200.025,"sentiment":"neutral","sentiment_score":0.11425178746382396},{"text":"Yes.","start":206.81999,"end":207.3,"sentiment":"neutral","sentiment_score":0.053120724856853485},{"text":"Yes.","start":207.3,"end":207.78,"sentiment":"neutral","sentiment_score":0.08096539974212646}],"sentiment":"neutral","sentiment_score":0.1742607588879764,"num_words":80,"start":175.86499,"end":207.78},{"sentences":[{"text":"Yes.","start":207.78,"end":208.02,"sentiment":"neutral","sentiment_score":0.08831693977117538},{"text":"So, like, a, yeah, future property.","start":208.02,"end":209.64,"sentiment":"neutral","sentiment_score":0.07735259520510833},{"text":"Okay.","start":215.555,"end":215.795,"sentiment":"neutral","sentiment_score":0.1047557070851326},{"text":"So it's just you're open to to either option.","start":215.795,"end":218.69499,"sentiment":"neutral","sentiment_score":0.15300528125630486},{"text":"Yep.","start":228.37,"end":228.87,"sentiment":"neutral","sentiment_score":0.06412313878536224}],"sentiment":"neutral","sentiment_score":0.11657549378772576,"num_words":18,"start":207.78,"end":228.87},{"sentences":[{"text":"Yep.","start":249.185,"end":249.685,"sentiment":"neutral","sentiment_score":0.05903969332575798},{"text":"Yeah.","start":250.48,"end":250.87999,"sentiment":"neutral","sentiment_score":0.07732833921909332},{"text":"Okay.","start":250.87999,"end":251.2,"sentiment":"neutral","sentiment_score":0.09326893091201782},{"text":"Alright.","start":251.2,"end":251.7,"sentiment":"neutral","sentiment_score":0.1252211183309555},{"text":"So let's I guess, let me go through and and sort of grab a couple of details so I can fill a few things out and just get more of a an overarching understanding of where you sit.","start":251.92,"end":264.725,"sentiment":"neutral","sentiment_score":0.10065863928512524}],"sentiment":"neutral","sentiment_score":0.09952110415768056,"num_words":42,"start":249.185,"end":264.725},{"sentences":[{"text":"So I understand you work in, like, IT.","start":265.025,"end":267.26498,"sentiment":"neutral","sentiment_score":0.017400188570718456},{"text":"You're fully administration based.","start":267.26498,"end":269.76498,"sentiment":"neutral","sentiment_score":0.05127945728600025},{"text":"And we're a contractor.","start":271.10498,"end":274.485,"sentiment":"neutral","sentiment_score":0.030911827459931374},{"text":"Is that correct?","start":274.54498,"end":275.365,"sentiment":"neutral","sentiment_score":0.038651615381240845},{"text":"Yep.","start":276.63998,"end":276.96,"sentiment":"neutral","sentiment_score":0.06640136241912842}],"sentiment":"neutral","sentiment_score":0.03251614280561625,"num_words":20,"start":265.025,"end":276.96},{"sentences":[{"text":"Alright.","start":276.96,"end":277.36,"sentiment":"neutral","sentiment_score":0.2874828577041626},{"text":"Fantastic.","start":277.36,"end":277.86,"sentiment":"positive","sentiment_score":0.6351944208145142},{"text":"Are you do you contract to the one company, or do you contract to multiple different firms?","start":278.31998,"end":282.9,"sentiment":"neutral","sentiment_score":0.06293210431056864},{"text":"Okay.","start":299.855,"end":300.27,"sentiment":"neutral","sentiment_score":0.017331713810563087},{"text":"Yeah.","start":304.03,"end":304.34998,"sentiment":"neutral","sentiment_score":0.019731629639863968}],"sentiment":"neutral","sentiment_score":0.09664697120232242,"num_words":21,"start":276.96,"end":304.34998},{"sentences":[{"text":"Yeah.","start":304.34998,"end":304.66998,"sentiment":"neutral","sentiment_score":0.020592112094163895},{"text":"One at a time.","start":304.66998,"end":305.55,"sentiment":"neutral","sentiment_score":0.015176334884017706},{"text":"Yep.","start":305.55,"end":306.05,"sentiment":"neutral","sentiment_score":0.031132113188505173},{"text":"Alright.","start":306.75,"end":307.25,"sentiment":"neutral","sentiment_score":0.03426748141646385},{"text":"Yeah.","start":311.22998,"end":311.72998,"sentiment":"neutral","sentiment_score":0.004965492524206638}],"sentiment":"neutral","sentiment_score":0.018957817344926298,"num_words":8,"start":304.34998,"end":311.72998},{"sentences":[{"text":"Yeah.","start":319.48502,"end":319.805,"sentiment":"neutral","sentiment_score":0.09907936304807664},{"text":"Yeah.","start":319.805,"end":320.20502,"sentiment":"neutral","sentiment_score":0.15781961381435394},{"text":"That's perfect.","start":320.20502,"end":321.025,"sentiment":"positive","sentiment_score":0.4307608902454376},{"text":"And the contract, usually a twelve month contract?","start":321.245,"end":324.365,"sentiment":"neutral","sentiment_score":0.10283288173377514},{"text":"Or Very.","start":324.365,"end":327.61002,"sentiment":"neutral","sentiment_score":0.08900546096265316}],"sentiment":"neutral","sentiment_score":0.15136390951062953,"num_words":14,"start":319.48502,"end":327.61002},{"sentences":[{"text":"Usually?","start":327.83002,"end":328.33002,"sentiment":"neutral","sentiment_score":0.049490492790937424},{"text":"Fine.","start":328.47,"end":328.97,"sentiment":"neutral","sentiment_score":0.13623273372650146},{"text":"Okay.","start":329.27002,"end":329.59,"sentiment":"neutral","sentiment_score":0.14562198519706726},{"text":"Perfect.","start":329.59,"end":330.09,"sentiment":"neutral","sentiment_score":0.2854534089565277},{"text":"Six to twelve.","start":331.19,"end":331.91,"sentiment":"neutral","sentiment_score":0.11411876479784648}],"sentiment":"neutral","sentiment_score":0.13702213072351047,"num_words":7,"start":327.83002,"end":331.91},{"sentences":[{"text":"Alright.","start":331.91,"end":332.23,"sentiment":"neutral","sentiment_score":0.21978187561035156},{"text":"Perfect.","start":332.23,"end":332.73,"sentiment":"neutral","sentiment_score":0.28207704424858093},{"text":"Now income wise, what kind of income is the contract work producing?","start":333.67,"end":339.975,"sentiment":"neutral","sentiment_score":0.04148322809487581},{"text":"And then secondarily to that, what are you paying yourself, or are they the same amount less tax?","start":340.355,"end":347.73502,"sentiment":"neutral","sentiment_score":0.012200977032383284},{"text":"Yep.","start":350.27502,"end":350.77502,"sentiment":"neutral","sentiment_score":-0.037959106266498566}],"sentiment":"neutral","sentiment_score":0.03579745870648009,"num_words":33,"start":331.91,"end":350.77502},{"sentences":[{"text":"Yeah.","start":360.05,"end":360.55,"sentiment":"neutral","sentiment_score":-0.02634774148464203},{"text":"Yeah.","start":363.825,"end":364.325,"sentiment":"neutral","sentiment_score":-0.01778443157672882},{"text":"Yeah.","start":382.16,"end":382.66,"sentiment":"neutral","sentiment_score":-0.0038072001188993454},{"text":"Yeah.","start":404.66998,"end":405.15,"sentiment":"neutral","sentiment_score":-0.09147293120622636},{"text":"Concessional, but I know what you mean.","start":405.15,"end":407.09,"sentiment":"neutral","sentiment_score":-0.05094515133116927}],"sentiment":"neutral","sentiment_score":-0.04509348760951649,"num_words":11,"start":360.05,"end":407.09},{"sentences":[{"text":"Yeah.","start":418.92502,"end":419.42502,"sentiment":"neutral","sentiment_score":0.04036394879221916},{"text":"Yeah.","start":427.9,"end":428.13998,"sentiment":"neutral","sentiment_score":0.1096889227628708},{"text":"Okay.","start":428.13998,"end":428.46,"sentiment":"neutral","sentiment_score":0.16242095828056335},{"text":"Cool.","start":428.46,"end":428.96,"sentiment":"neutral","sentiment_score":0.2804268002510071},{"text":"No.","start":429.02,"end":429.18,"sentiment":"neutral","sentiment_score":0.1890801191329956}],"sentiment":"neutral","sentiment_score":0.1563961498439312,"num_words":5,"start":418.92502,"end":429.18},{"sentences":[{"text":"That's good.","start":429.18,"end":429.91998,"sentiment":"neutral","sentiment_score":0.3253331035375595},{"text":"Alright.","start":430.06,"end":430.38,"sentiment":"neutral","sentiment_score":0.16989737749099731},{"text":"So we're we've been maxing out concessional, possibly looking at nonconcessional avenues.","start":430.38,"end":435.84,"sentiment":"neutral","sentiment_score":0.07620927349974711},{"text":"Do you know what like, if you were to look at 12 like, over the last twelve months, what what income has come in for, like, the company?","start":436.575,"end":444.595,"sentiment":"neutral","sentiment_score":0.010076648090034723},{"text":"K.","start":466.605,"end":467.105,"sentiment":"neutral","sentiment_score":-0.02807403728365898}],"sentiment":"neutral","sentiment_score":0.04520788581364534,"num_words":44,"start":429.18,"end":467.105},{"sentences":[{"text":"Like, the yeah.","start":474.62003,"end":475.18002,"sentiment":"neutral","sentiment_score":-0.023056781540314358},{"text":"This financial year.","start":475.18002,"end":476.48,"sentiment":"neutral","sentiment_score":-0.017253658113380272},{"text":"Okay.","start":480.7,"end":481.2,"sentiment":"neutral","sentiment_score":0.025896521285176277},{"text":"And then with two months left to go, would you say that you're sort of still on track for that maybe 90 just pushing into the 100,000?","start":481.34003,"end":489.11502,"sentiment":"neutral","sentiment_score":0.03914792732232147},{"text":"Okay.","start":492.855,"end":493.355,"sentiment":"neutral","sentiment_score":0.012105378322303295}],"sentiment":"neutral","sentiment_score":0.027830417667116438,"num_words":35,"start":474.62003,"end":493.355},{"sentences":[{"text":"And then last financial year, what did you do you know what you turned over?","start":494.855,"end":499.035,"sentiment":"neutral","sentiment_score":-0.02008710578083992},{"text":"Okay.","start":512.375,"end":512.875,"sentiment":"neutral","sentiment_score":-0.030969001352787014},{"text":"Quite a substantial drop between years.","start":513.975,"end":516.075,"sentiment":"negative","sentiment_score":-0.33995261788368225},{"text":"Okay.","start":522.935,"end":523.435,"sentiment":"neutral","sentiment_score":-0.10416600108146667},{"text":"Just out of choice or just the contract ended and it was time between the two?","start":523.97003,"end":527.75,"sentiment":"neutral","sentiment_score":-0.15198556520044804}],"sentiment":"neutral","sentiment_score":-0.12584426511938757,"num_words":39,"start":494.855,"end":527.75},{"sentences":[{"text":"Okay.","start":530.61005,"end":531.11005,"sentiment":"neutral","sentiment_score":-0.006963495165109634},{"text":"Alright.","start":533.41003,"end":533.89,"sentiment":"neutral","sentiment_score":0.017223048955202103},{"text":"That's okay.","start":533.89,"end":534.79004,"sentiment":"neutral","sentiment_score":0.03645448945462704},{"text":"So this financial year, are we going to be making, like, maxima sorry.","start":535.09,"end":542.415,"sentiment":"neutral","sentiment_score":-0.09347199476682223},{"text":"Are we going to be maximizing the concessional contributions, or does cash flow restrict that?","start":542.415,"end":548.995,"sentiment":"neutral","sentiment_score":-0.10234387318293253}],"sentiment":"neutral","sentiment_score":-0.08334767178166658,"num_words":32,"start":530.61005,"end":548.995},{"sentences":[{"text":"Okay.","start":552.23004,"end":552.73004,"sentiment":"neutral","sentiment_score":-0.07188302278518677},{"text":"30.","start":556.71,"end":557.21,"sentiment":"neutral","sentiment_score":-0.05487090349197388},{"text":"Okay.","start":559.83,"end":560.33,"sentiment":"neutral","sentiment_score":0.07032521069049835},{"text":"Okay.","start":562.005,"end":562.505,"sentiment":"neutral","sentiment_score":0.048615675419569016},{"text":"Now do you know what's sitting in the company as sort of capital at the moment, like, within the bank accounts?","start":562.725,"end":568.505,"sentiment":"neutral","sentiment_score":-0.0037507921279895874}],"sentiment":"neutral","sentiment_score":-0.0034631869941949846,"num_words":25,"start":552.23004,"end":568.505},{"sentences":[{"text":"You're okay.","start":571.285,"end":572.02496,"sentiment":"neutral","sentiment_score":0.05715848132967949},{"text":"60,000.","start":592.03503,"end":592.935,"sentiment":"neutral","sentiment_score":0.02686007134616375},{"text":"Okay.","start":602.29004,"end":602.79004,"sentiment":"neutral","sentiment_score":0.029504990205168724},{"text":"And the structure of the company, is it a trust with a company, or is it just a company structure?","start":603.89,"end":611.685,"sentiment":"neutral","sentiment_score":-0.01223466726951301},{"text":"Okay.","start":619.345,"end":619.845,"sentiment":"neutral","sentiment_score":-0.005492926575243473}],"sentiment":"neutral","sentiment_score":-0.0031801699101924896,"num_words":25,"start":571.285,"end":619.845},{"sentences":[{"text":"No.","start":621.27997,"end":621.52,"sentiment":"neutral","sentiment_score":-0.11209958791732788},{"text":"That's okay.","start":621.52,"end":622.1,"sentiment":"neutral","sentiment_score":-0.06399630568921566},{"text":"Oh, okay.","start":624.8,"end":626.02,"sentiment":"neutral","sentiment_score":0.17185039818286896},{"text":"Perfect.","start":626.16,"end":626.66,"sentiment":"positive","sentiment_score":0.42855578660964966},{"text":"So I guess to make it clear in my head and make sure that I've got everything covered, the company so the company that you're operating the business under, what's it called?","start":626.72,"end":636.66,"sentiment":"neutral","sentiment_score":0.09903199970722198}],"sentiment":"neutral","sentiment_score":0.09739969406080873,"num_words":38,"start":621.27997,"end":636.66},{"sentences":[{"text":"Up here.","start":644.15497,"end":644.635,"sentiment":"neutral","sentiment_score":0.05096665769815445},{"text":"Perfect.","start":644.635,"end":645.135,"sentiment":"positive","sentiment_score":0.4176280200481415},{"text":"Fantastic.","start":646.71497,"end":647.21497,"sentiment":"positive","sentiment_score":0.664065957069397},{"text":"And then the trust, does that have, like, a name?","start":647.675,"end":653.4,"sentiment":"neutral","sentiment_score":0.05003939513117075},{"text":"I mean, it will, but that's okay.","start":653.54,"end":665.4,"sentiment":"neutral","sentiment_score":-0.007926089955227715}],"sentiment":"neutral","sentiment_score":0.07754945781614099,"num_words":21,"start":644.15497,"end":665.4},{"sentences":[{"text":"No.","start":671.20496,"end":671.605,"sentiment":"neutral","sentiment_score":-0.13671576976776123},{"text":"That's okay.","start":671.605,"end":672.165,"sentiment":"neutral","sentiment_score":-0.024154748767614365},{"text":"So is that just a trust or is that a trust with a company structure?","start":672.165,"end":675.305,"sentiment":"neutral","sentiment_score":-0.029341076438625654},{"text":"Trusting company.","start":677.445,"end":678.32495,"sentiment":"neutral","sentiment_score":-0.007659189403057098},{"text":"Alright.","start":678.32495,"end":678.82495,"sentiment":"neutral","sentiment_score":0.009338930249214172}],"sentiment":"neutral","sentiment_score":-0.03005337440187023,"num_words":21,"start":671.20496,"end":678.82495},{"sentences":[{"text":"And currently, that owns nothing?","start":678.88495,"end":681.46497,"sentiment":"neutral","sentiment_score":-0.04845481067895889},{"text":"Yep.","start":711.37,"end":711.87,"sentiment":"neutral","sentiment_score":-0.18036507070064545},{"text":"Yes.","start":720.985,"end":721.485,"sentiment":"neutral","sentiment_score":-0.04783906415104866},{"text":"Yeah.","start":727.22504,"end":727.72504,"sentiment":"neutral","sentiment_score":-0.02424769476056099},{"text":"And what would you do what would you do under the trust?","start":728.105,"end":730.765,"sentiment":"neutral","sentiment_score":-0.00022186276813348135}],"sentiment":"neutral","sentiment_score":-0.024869411811232568,"num_words":20,"start":678.88495,"end":730.765},{"sentences":[{"text":"Yes.","start":737.29,"end":737.79,"sentiment":"neutral","sentiment_score":0.2200942039489746},{"text":"Perfect.","start":740.25,"end":740.75,"sentiment":"neutral","sentiment_score":0.23250772058963776},{"text":"Yep.","start":743.05,"end":743.55,"sentiment":"neutral","sentiment_score":0.01585439220070839},{"text":"Yeah.","start":749.785,"end":750.185,"sentiment":"neutral","sentiment_score":0.015300203114748},{"text":"No.","start":750.185,"end":750.505,"sentiment":"neutral","sentiment_score":-0.07775986194610596}],"sentiment":"neutral","sentiment_score":0.08119933158159257,"num_words":5,"start":737.29,"end":750.505},{"sentences":[{"text":"Cool.","start":750.505,"end":751.005,"sentiment":"neutral","sentiment_score":0.01949165388941765},{"text":"Because my my concern is is that if we start paying out income into the trust, trust trusts are taxed at 47% for any capital that's held.","start":752.025,"end":762.41,"sentiment":"neutral","sentiment_score":-0.15762151722554807},{"text":"Yeah.","start":764.55,"end":765.05,"sentiment":"neutral","sentiment_score":-0.07608967274427414},{"text":"So and it'll depend on which struct which trust structure you have, but, realistically, you're probably I'm assuming a discretionary trust is what you've set up.","start":765.51,"end":775.78503,"sentiment":"neutral","sentiment_score":-0.0506501726519603},{"text":"And the the yep.","start":775.84503,"end":777.385,"sentiment":"neutral","sentiment_score":-0.017049312591552734}],"sentiment":"neutral","sentiment_score":-0.09656746988579379,"num_words":59,"start":750.505,"end":777.385},{"sentences":[{"text":"It's the family or a discretionary, and generally speaking, it's it's more than likely a discretionary.","start":777.685,"end":781.955,"sentiment":"neutral","sentiment_score":-0.06347453873604536},{"text":"So, yeah, it's taxed at 40474747% tax on anything that's held within the trust.","start":783.54,"end":790.27997,"sentiment":"neutral","sentiment_score":-0.015296089529458965},{"text":"Now there are some ways that we can tax mitigate, reduce, and strategies that we can implement, but, yeah, definitely don't just start transferring the income into the trust and holding it because it becomes capital and capital under the trust tax.","start":790.74,"end":805.515,"sentiment":"neutral","sentiment_score":0.03776605835273152},{"text":"So yeah.","start":805.735,"end":811.81,"sentiment":"neutral","sentiment_score":-0.008456014096736908},{"text":"Under the shares, like, there's there's structures that we can incorporate to make sure that it's all kosher.","start":811.81,"end":816.23004,"sentiment":"neutral","sentiment_score":0.09380852969156371}],"sentiment":"neutral","sentiment_score":0.02204432699869832,"num_words":92,"start":777.685,"end":816.23004},{"sentences":[{"text":"But, yeah, we you don't just don't just transfer it in and and let it hold.","start":817.65,"end":822.45,"sentiment":"neutral","sentiment_score":-0.03027191571891308},{"text":"We need to make sure that we set it up properly.","start":822.45,"end":824.39,"sentiment":"neutral","sentiment_score":0.03054181452501904},{"text":"So we can definitely help with that to make sure that we're we're tax minimizing and we're being smart in that form.","start":827.15497,"end":837.415,"sentiment":"positive","sentiment_score":0.649639980359511},{"text":"Now property and shares, a 100%, we can we can have it all operating that way.","start":837.95496,"end":844.13,"sentiment":"positive","sentiment_score":0.539415255188942},{"text":"Would No.","start":846.35004,"end":855.40497,"sentiment":"neutral","sentiment_score":0.021003682166337967}],"sentiment":"positive","sentiment_score":0.3405423928886207,"num_words":67,"start":817.65,"end":855.40497},{"sentences":[{"text":"That's okay.","start":855.40497,"end":856.045,"sentiment":"neutral","sentiment_score":0.1196526549756527},{"text":"Perfect.","start":856.045,"end":856.545,"sentiment":"positive","sentiment_score":0.49101483821868896},{"text":"Now other assets that you hold, so is it just the two properties that you own?","start":857.165,"end":862.685,"sentiment":"neutral","sentiment_score":0.1019282613415271},{"text":"Do we have any any vehicles or money in your personal bank account?","start":862.685,"end":866.91,"sentiment":"neutral","sentiment_score":0.020198634897287075},{"text":"Yep.","start":881.545,"end":882.045,"sentiment":"neutral","sentiment_score":0.019847409799695015}],"sentiment":"neutral","sentiment_score":0.08010915130602592,"num_words":33,"start":855.40497,"end":882.045},{"sentences":[{"text":"Yeah.","start":896.52,"end":897.02,"sentiment":"neutral","sentiment_score":0.07449126243591309},{"text":"200, you say?","start":904.215,"end":905.515,"sentiment":"neutral","sentiment_score":0.017196713015437126},{"text":"200?","start":906.775,"end":907.41504,"sentiment":"neutral","sentiment_score":0.03456582874059677},{"text":"Perfect.","start":907.41504,"end":907.91504,"sentiment":"neutral","sentiment_score":0.190144807100296},{"text":"So I just want so I just wanna double check.","start":908.215,"end":910.775,"sentiment":"neutral","sentiment_score":0.032478506304323675}],"sentiment":"neutral","sentiment_score":0.042223568772897124,"num_words":16,"start":896.52,"end":910.775},{"sentences":[{"text":"The our primary place of residence is worth about 1,500,000, and then the debt on it is 400,000.","start":910.775,"end":918.55005,"sentiment":"neutral","sentiment_score":0.044613547105756074},{"text":"Is that including the money in offset?","start":918.93005,"end":921.65,"sentiment":"neutral","sentiment_score":0.01624182691531522},{"text":"So the actual debt is 600, or is it 400,000 and you've offset 200, so you're only incurring interest on the remaining 200?","start":921.65,"end":929.19,"sentiment":"neutral","sentiment_score":0.006348742658029432},{"text":"Yep.","start":947.71,"end":948.21,"sentiment":"neutral","sentiment_score":0.105532705783844},{"text":"Yep.","start":948.59,"end":949.09,"sentiment":"neutral","sentiment_score":0.11307500302791595}],"sentiment":"neutral","sentiment_score":0.025627308525145054,"num_words":50,"start":910.775,"end":949.09},{"sentences":[{"text":"Yep.","start":954.685,"end":955.185,"sentiment":"neutral","sentiment_score":0.13038650155067444},{"text":"Okay.","start":961.645,"end":962.145,"sentiment":"neutral","sentiment_score":0.10936057567596436},{"text":"Okay.","start":968.30005,"end":968.7,"sentiment":"neutral","sentiment_score":0.0021476163528859615},{"text":"So we're we're basically no.","start":968.7,"end":973.74005,"sentiment":"neutral","sentiment_score":-0.06544246152043343},{"text":"That's okay.","start":973.74005,"end":974.38,"sentiment":"neutral","sentiment_score":-0.07369036972522736}],"sentiment":"neutral","sentiment_score":-0.023269835347309708,"num_words":10,"start":954.685,"end":974.38},{"sentences":[{"text":"So are you currently on, like, a builder's loan?","start":974.38,"end":977.28,"sentiment":"neutral","sentiment_score":-0.03751580003235075},{"text":"Yeah.","start":981.885,"end":982.205,"sentiment":"neutral","sentiment_score":-0.10057149082422256},{"text":"Until it's built.","start":982.205,"end":983.34503,"sentiment":"neutral","sentiment_score":-0.07659820218880971},{"text":"Yeah.","start":983.405,"end":983.645,"sentiment":"neutral","sentiment_score":0.02811078540980816},{"text":"So yep.","start":983.645,"end":987.745,"sentiment":"neutral","sentiment_score":0.06788812205195427}],"sentiment":"neutral","sentiment_score":-0.031507579260505736,"num_words":16,"start":974.38,"end":987.745},{"sentences":[{"text":"Okay.","start":996.54004,"end":997.04004,"sentiment":"neutral","sentiment_score":0.08235812187194824},{"text":"So the current loan would be 200,000 then, and you fully offset that with the offset account.","start":997.18,"end":1002.88,"sentiment":"neutral","sentiment_score":0.07500205057508805},{"text":"But then you have a a pending builder's loan for about 300,000 that will that will get released as you go through staging.","start":1003.175,"end":1011.355,"sentiment":"neutral","sentiment_score":0.07400681062237076},{"text":"Yes.","start":1016.39,"end":1016.89,"sentiment":"neutral","sentiment_score":0.13104292750358582},{"text":"Yep.","start":1021.99,"end":1022.39,"sentiment":"neutral","sentiment_score":0.10939107835292816}],"sentiment":"neutral","sentiment_score":0.07674380539115085,"num_words":43,"start":996.54004,"end":1022.39},{"sentences":[{"text":"Okay.","start":1022.39,"end":1022.89,"sentiment":"neutral","sentiment_score":0.15382690727710724},{"text":"Okay.","start":1027.765,"end":1028.085,"sentiment":"neutral","sentiment_score":0.13450409471988678},{"text":"So we've got 200 in the offset, and then we have, like, another bank account that has another 200,000.","start":1028.085,"end":1032.105,"sentiment":"neutral","sentiment_score":0.10686119606620387},{"text":"Okay.","start":1033.525,"end":1033.925,"sentiment":"positive","sentiment_score":0.3930284380912781},{"text":"Perfect.","start":1033.925,"end":1034.245,"sentiment":"positive","sentiment_score":0.5932730436325073}],"sentiment":"neutral","sentiment_score":0.14369544386863708,"num_words":23,"start":1022.39,"end":1034.245},{"sentences":[{"text":"And we're intending on shifting that money into the offset once the bill's released because we don't wanna incur any interest.","start":1034.245,"end":1040.505,"sentiment":"neutral","sentiment_score":0.23772496836526052},{"text":"Then Mhmm.","start":1040.58,"end":1044.2799,"sentiment":"neutral","sentiment_score":0.004076104611158371},{"text":"Yep.","start":1051.5399,"end":1052.0399,"sentiment":"neutral","sentiment_score":0.09348034858703612},{"text":"Yep.","start":1062.595,"end":1063.095,"sentiment":"neutral","sentiment_score":0.13295675814151764},{"text":"And you Well, if the money's been exhausted, no.","start":1064.61,"end":1090.325,"sentiment":"neutral","sentiment_score":-0.24350930253664652}],"sentiment":"neutral","sentiment_score":0.08927146849386833,"num_words":34,"start":1034.245,"end":1090.325},{"sentences":[{"text":"It'll just depend on so, like so so right now, theoretically speaking, you could with the money that's an offset, you could pay off your your primary foot your primary residence loan.","start":1091.01,"end":1102.21,"sentiment":"neutral","sentiment_score":0.033804643142502755},{"text":"You obviously haven't because it it the money in offset gives you liquidity.","start":1102.21,"end":1105.59,"sentiment":"neutral","sentiment_score":0.062327151688245624},{"text":"There's no problems there.","start":1105.985,"end":1107.285,"sentiment":"neutral","sentiment_score":0.0453710719011724},{"text":"You've applied for and taken out a building loan, and that'll sit there as basically a pending loan that will get drawn.","start":1107.505,"end":1114.245,"sentiment":"neutral","sentiment_score":0.05206352997232567},{"text":"So if if if it's being accepted, the builder basically has access.","start":1115.185,"end":1118.4651,"sentiment":"neutral","sentiment_score":0.08333444114153583}],"sentiment":"neutral","sentiment_score":0.050830081845802,"num_words":83,"start":1091.01,"end":1118.4651},{"sentences":[{"text":"And what will happen yeah.","start":1118.4651,"end":1123.05,"sentiment":"neutral","sentiment_score":-0.07596846222877503},{"text":"So what what will happen is no.","start":1123.05,"end":1124.9701,"sentiment":"neutral","sentiment_score":-0.057010624025549204},{"text":"Yeah.","start":1124.9701,"end":1125.2101,"sentiment":"neutral","sentiment_score":-0.0358349084854126},{"text":"What will happen is when when you go through staging with with the build, so once the foundation's poured, the builder is able to apply to the lender to say, hey.","start":1125.2101,"end":1134.89,"sentiment":"neutral","sentiment_score":0.01323078771031672},{"text":"We've met this requirement.","start":1134.89,"end":1136.1549,"sentiment":"neutral","sentiment_score":0.032656177412718534}],"sentiment":"neutral","sentiment_score":-0.005707759565363328,"num_words":48,"start":1118.4651,"end":1136.1549},{"sentences":[{"text":"This amount of money can be released.","start":1136.5349,"end":1138.235,"sentiment":"neutral","sentiment_score":0.022792172751256397},{"text":"Generally, that's that's how building loans work, generally.","start":1138.7749,"end":1141.9149,"sentiment":"neutral","sentiment_score":-0.013027789915213361},{"text":"Okay.","start":1149.9099,"end":1150.4099,"sentiment":"neutral","sentiment_score":0.019039778038859367},{"text":"It's just the standard loan.","start":1150.63,"end":1152.1699,"sentiment":"neutral","sentiment_score":0.0068502876907587055},{"text":"Right.","start":1152.3099,"end":1152.8099,"sentiment":"neutral","sentiment_score":0.04814077913761139}],"sentiment":"neutral","sentiment_score":0.007125222071243281,"num_words":22,"start":1136.5349,"end":1152.8099},{"sentences":[{"text":"Understood.","start":1160.565,"end":1161.065,"sentiment":"neutral","sentiment_score":-0.003816554090008139},{"text":"Okay.","start":1161.205,"end":1161.705,"sentiment":"neutral","sentiment_score":0.014627918601036072},{"text":"Yeah.","start":1163.765,"end":1164.265,"sentiment":"neutral","sentiment_score":0.0355268158018589},{"text":"Understood.","start":1178.82,"end":1179.32,"sentiment":"neutral","sentiment_score":0.04478364810347557},{"text":"Perfect.","start":1179.46,"end":1179.96,"sentiment":"positive","sentiment_score":0.33612582087516785}],"sentiment":"neutral","sentiment_score":0.08544952985830605,"num_words":5,"start":1160.565,"end":1179.96},{"sentences":[{"text":"Okay.","start":1180.02,"end":1180.52,"sentiment":"neutral","sentiment_score":0.21155551075935364},{"text":"Cool.","start":1180.58,"end":1181.08,"sentiment":"neutral","sentiment_score":0.1816023737192154},{"text":"No.","start":1181.86,"end":1182.1,"sentiment":"neutral","sentiment_score":-0.13073648512363434},{"text":"No.","start":1182.1,"end":1182.34,"sentiment":"neutral","sentiment_score":-0.1744064837694168},{"text":"No.","start":1182.34,"end":1182.84,"sentiment":"neutral","sentiment_score":-0.16232222318649292}],"sentiment":"neutral","sentiment_score":-0.014861461520195008,"num_words":5,"start":1180.02,"end":1182.84},{"sentences":[{"text":"It's so okay.","start":1182.98,"end":1184.04,"sentiment":"neutral","sentiment_score":0.05534860367576281},{"text":"Alright.","start":1184.82,"end":1185.3,"sentiment":"neutral","sentiment_score":0.10194741189479828},{"text":"So I guess let's let's just call them two loans because that essentially, that's what they are.","start":1185.3,"end":1191.755,"sentiment":"neutral","sentiment_score":0.09191312224549406},{"text":"With the two loans, one of them hasn't been drawn down on, so it's fully offset right now.","start":1192.0549,"end":1197.4349,"sentiment":"neutral","sentiment_score":0.10349641285008854},{"text":"And then we've got our investment property, and I've got a value of about 1.1 mil.","start":1199.71,"end":1205.33,"sentiment":"neutral","sentiment_score":0.03219046292360872}],"sentiment":"neutral","sentiment_score":0.0765181661668149,"num_words":55,"start":1182.98,"end":1205.33},{"sentences":[{"text":"It's about 500,000 in debt on the mortgage.","start":1206.4299,"end":1210.2899,"sentiment":"neutral","sentiment_score":0.021577688050456345},{"text":"On that mortgage?","start":1213.405,"end":1214.0449,"sentiment":"neutral","sentiment_score":0.05601858223477999},{"text":"Fantastic.","start":1214.0449,"end":1214.5449,"sentiment":"positive","sentiment_score":0.6423546671867371},{"text":"Investment property.","start":1215.8049,"end":1216.6849,"sentiment":"neutral","sentiment_score":0.059165576472878456},{"text":"Yeah.","start":1216.6849,"end":1217.085,"sentiment":"neutral","sentiment_score":0.032524242997169495}],"sentiment":"neutral","sentiment_score":0.07559248761584361,"num_words":15,"start":1206.4299,"end":1217.085},{"sentences":[{"text":"And what's the income from that property?","start":1217.085,"end":1219.585,"sentiment":"neutral","sentiment_score":0.028840482501047},{"text":"Yeah.","start":1223.74,"end":1223.98,"sentiment":"neutral","sentiment_score":0.013594649732112885},{"text":"Yeah.","start":1223.98,"end":1224.2999,"sentiment":"neutral","sentiment_score":0.017283499240875244},{"text":"Right.","start":1224.2999,"end":1224.7999,"sentiment":"neutral","sentiment_score":0.02264702506363392},{"text":"1,100 per week?","start":1230.0599,"end":1231.58,"sentiment":"neutral","sentiment_score":0.008765809858838717}],"sentiment":"neutral","sentiment_score":0.021669690855420552,"num_words":13,"start":1217.085,"end":1231.58},{"sentences":[{"text":"Alright.","start":1231.58,"end":1231.98,"sentiment":"neutral","sentiment_score":0.015753857791423798},{"text":"Is that the gross amount before, like, the real estate's taken any of their fees or anything like that?","start":1231.98,"end":1236.88,"sentiment":"neutral","sentiment_score":-0.004458090792851229},{"text":"Okay.","start":1245.555,"end":1245.875,"sentiment":"neutral","sentiment_score":0.043428946286439896},{"text":"Alright.","start":1245.875,"end":1246.375,"sentiment":"neutral","sentiment_score":0.09232398122549056},{"text":"Perfect.","start":1247.3151,"end":1247.8151,"sentiment":"positive","sentiment_score":0.7016527652740479}],"sentiment":"neutral","sentiment_score":0.03341112284840125,"num_words":23,"start":1231.58,"end":1247.8151},{"sentences":[{"text":"Amazing.","start":1252.8501,"end":1253.3501,"sentiment":"positive","sentiment_score":0.6424517035484314},{"text":"And then you said you had another bank account that basically had that 200,000 sitting in it as well.","start":1254.2101,"end":1259.1901,"sentiment":"neutral","sentiment_score":0.1826253133384805},{"text":"Alright.","start":1260.6101,"end":1260.93,"sentiment":"neutral","sentiment_score":0.04334107041358948},{"text":"Are there any other assets, shares, any little hidey holes, or anything like that that I need to know about?","start":1260.93,"end":1266.685,"sentiment":"neutral","sentiment_score":0.009187224134802819},{"text":"Yep.","start":1275.0,"end":1275.5,"sentiment":"neutral","sentiment_score":0.010040603578090668}],"sentiment":"neutral","sentiment_score":0.1035585431825547,"num_words":42,"start":1252.8501,"end":1275.5},{"sentences":[{"text":"Is that personally owned?","start":1275.56,"end":1277.16,"sentiment":"neutral","sentiment_score":0.002907020039856434},{"text":"Where where where have we traded through?","start":1277.16,"end":1279.34,"sentiment":"neutral","sentiment_score":-0.010866895650646516},{"text":"Yep.","start":1283.72,"end":1284.22,"sentiment":"neutral","sentiment_score":0.01640523225069046},{"text":"Yep.","start":1287.015,"end":1287.515,"sentiment":"neutral","sentiment_score":0.0041411337442696095},{"text":"Nope.","start":1290.4551,"end":1290.775,"sentiment":"neutral","sentiment_score":-0.01830710843205452}],"sentiment":"neutral","sentiment_score":-0.004442923702299595,"num_words":14,"start":1275.56,"end":1290.775},{"sentences":[{"text":"That's absolutely okay.","start":1290.775,"end":1292.235,"sentiment":"neutral","sentiment_score":0.1163444643219312},{"text":"Perfect.","start":1293.175,"end":1293.675,"sentiment":"neutral","sentiment_score":0.26366645097732544},{"text":"Okay.","start":1293.895,"end":1294.395,"sentiment":"neutral","sentiment_score":0.09432752430438995},{"text":"So we've got we've got some decent assets built up, and we're looking to possibly go out and buy more assets.","start":1294.855,"end":1304.45,"sentiment":"neutral","sentiment_score":0.0920947694352695},{"text":"So shares property possibly under a trust structure, but we wanna be tax effective with it.","start":1304.45,"end":1309.4299,"sentiment":"neutral","sentiment_score":0.0485988175496459}],"sentiment":"neutral","sentiment_score":0.08139520493291673,"num_words":42,"start":1290.775,"end":1309.4299},{"sentences":[{"text":"And then a possibility to maybe shift some of your income or all of your income from your the comp like, RPL company over into the trust.","start":1311.01,"end":1320.985,"sentiment":"neutral","sentiment_score":0.014559929155641131},{"text":"To be able to figure out what yeah.","start":1321.6849,"end":1323.845,"sentiment":"neutral","sentiment_score":0.012401039944961667},{"text":"No.","start":1323.845,"end":1324.085,"sentiment":"neutral","sentiment_score":-0.07743711769580841},{"text":"You're you're you're okay.","start":1324.085,"end":1324.885,"sentiment":"neutral","sentiment_score":-0.060875642113387585},{"text":"Go ahead.","start":1324.885,"end":1325.5449,"sentiment":"neutral","sentiment_score":-0.003105415962636471}],"sentiment":"neutral","sentiment_score":0.003932759254461243,"num_words":42,"start":1311.01,"end":1325.5449},{"sentences":[{"text":"Yeah.","start":1327.765,"end":1328.265,"sentiment":"neutral","sentiment_score":-0.01272580400109291},{"text":"To be able to figure out what that, I guess, kinda looks like, I need to know what your lifestyle looks like.","start":1328.68,"end":1333.64,"sentiment":"neutral","sentiment_score":0.008585913667709312},{"text":"So what income you actually require to be able to live day to day.","start":1333.64,"end":1338.14,"sentiment":"neutral","sentiment_score":0.04233106950830136},{"text":"No.","start":1373.865,"end":1374.265,"sentiment":"neutral","sentiment_score":-0.19306519627571103},{"text":"You're okay.","start":1374.265,"end":1375.085,"sentiment":"neutral","sentiment_score":-0.0380424726754427}],"sentiment":"neutral","sentiment_score":0.012491228204453364,"num_words":40,"start":1327.765,"end":1375.085},{"sentences":[{"text":"Yeah.","start":1406.55,"end":1406.79,"sentiment":"neutral","sentiment_score":-0.0023044412955641747},{"text":"Of course.","start":1406.79,"end":1407.53,"sentiment":"neutral","sentiment_score":-0.026599083095788956},{"text":"No.","start":1410.15,"end":1410.4701,"sentiment":"neutral","sentiment_score":-0.09685146808624268},{"text":"No.","start":1410.4701,"end":1410.87,"sentiment":"neutral","sentiment_score":-0.09370484948158264},{"text":"You're so fine.","start":1410.87,"end":1412.0901,"sentiment":"neutral","sentiment_score":0.030086147288481396}],"sentiment":"neutral","sentiment_score":-0.019475060398690403,"num_words":8,"start":1406.55,"end":1412.0901},{"sentences":[{"text":"Okay.","start":1414.155,"end":1414.655,"sentiment":"neutral","sentiment_score":0.04321622475981712},{"text":"So with with your expenses, does that include the two kids?","start":1414.7151,"end":1425.295,"sentiment":"neutral","sentiment_score":0.01919906755739992},{"text":"Yep.","start":1432.25,"end":1432.75,"sentiment":"neutral","sentiment_score":0.055304013192653656},{"text":"And okay.","start":1433.0499,"end":1434.6499,"sentiment":"neutral","sentiment_score":0.035485140047967434},{"text":"And that was gonna be my next question.","start":1434.6499,"end":1436.1699,"sentiment":"neutral","sentiment_score":0.025572957005351782}],"sentiment":"neutral","sentiment_score":0.025446257270548656,"num_words":23,"start":1414.155,"end":1436.1699},{"sentences":[{"text":"Do you co parent or is there, like, a split parental relationship?","start":1436.1699,"end":1440.195,"sentiment":"neutral","sentiment_score":-0.02008033978442351},{"text":"Is there any child support that has to be paid on either either side?","start":1440.2549,"end":1445.615,"sentiment":"neutral","sentiment_score":-0.025696815390672003},{"text":"Or Yep.","start":1445.615,"end":1450.9149,"sentiment":"neutral","sentiment_score":-0.0005829688161611557},{"text":"Exhausted.","start":1461.81,"end":1462.31,"sentiment":"neutral","sentiment_score":-0.20250028371810913},{"text":"Okay.","start":1470.465,"end":1470.965,"sentiment":"neutral","sentiment_score":-0.01891281083226204}],"sentiment":"neutral","sentiment_score":-0.027443284168839455,"num_words":30,"start":1436.1699,"end":1470.965},{"sentences":[{"text":"And I I just, I guess, wanna ask, all the assets that you own, you own per like, you own yourself.","start":1483.52,"end":1488.475,"sentiment":"neutral","sentiment_score":-0.028859761854012806},{"text":"There's no one else.","start":1488.475,"end":1489.275,"sentiment":"neutral","sentiment_score":-0.09848392195999622},{"text":"Yeah.","start":1489.275,"end":1489.515,"sentiment":"neutral","sentiment_score":-0.04437967017292976},{"text":"There's no one else that owns them shared with you?","start":1489.515,"end":1491.775,"sentiment":"neutral","sentiment_score":-0.05870844982564449},{"text":"No.","start":1492.715,"end":1493.0349,"sentiment":"neutral","sentiment_score":-0.11684676259756088}],"sentiment":"neutral","sentiment_score":-0.047251395075707824,"num_words":37,"start":1483.52,"end":1493.0349},{"sentences":[{"text":"Cool.","start":1493.0349,"end":1493.355,"sentiment":"neutral","sentiment_score":-0.024942267686128616},{"text":"Just wanna double check.","start":1493.355,"end":1495.135,"sentiment":"neutral","sentiment_score":-0.01425018161535263},{"text":"Alright.","start":1496.235,"end":1496.735,"sentiment":"neutral","sentiment_score":0.2300504446029663},{"text":"Perfect.","start":1497.6749,"end":1498.1749,"sentiment":"positive","sentiment_score":0.3358703851699829},{"text":"So with with respect to, I guess, the superannuation contributions and possibly looking at alternative income sources for you and looking at sort of where we can direct some of your your assets, I do wanna have a look at your super fund.","start":1498.715,"end":1515.71,"sentiment":"neutral","sentiment_score":0.15248367086399434}],"sentiment":"neutral","sentiment_score":0.14081551365554332,"num_words":50,"start":1493.0349,"end":1515.71},{"sentences":[{"text":"I understand that you do have Rider Super as your superannuation platform and about $380,000 sitting within the fund.","start":1515.895,"end":1524.715,"sentiment":"neutral","sentiment_score":0.11643856999121215},{"text":"What I would like to look at and it's not something you necessarily have to get today.","start":1528.46,"end":1532.06,"sentiment":"neutral","sentiment_score":0.18560195232138915},{"text":"It's something that, you know, I can send an email for like, to you for you to sort of maybe provide it at a later date.","start":1532.06,"end":1538.08,"sentiment":"neutral","sentiment_score":0.22219186104260957},{"text":"But I wanna look at the historical amounts of money that you put into the account over the over the last number of years.","start":1539.5,"end":1547.545,"sentiment":"neutral","sentiment_score":0.067693458404392},{"text":"It's something you can obtain from the ATO.","start":1547.8451,"end":1550.745,"sentiment":"neutral","sentiment_score":0.131664352491498}],"sentiment":"neutral","sentiment_score":0.14704800242597751,"num_words":94,"start":1515.895,"end":1550.745},{"sentences":[{"text":"And the reason I wanna look at that is, a, from a tax effective point of view, whilst you may have been maxing out, you know, the $30,000 contribution for the last couple and while you've been, you know, as a company structure working for yourself for the last three years, there may be a couple of years that we could use the caps and do it tax effectively.","start":1551.285,"end":1571.38,"sentiment":"neutral","sentiment_score":0.10219329606363739},{"text":"Contribution 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ask before you went to contractor or, like so last before last financial year where you went to 02/20, what was your rough income prior to that?","start":1616.09,"end":1623.825,"sentiment":"neutral","sentiment_score":-0.03650844550381104},{"text":"Okay.","start":1643.44,"end":1643.94,"sentiment":"neutral","sentiment_score":0.038313139230012894}],"sentiment":"neutral","sentiment_score":-0.045743248970159946,"num_words":53,"start":1608.41,"end":1643.94},{"sentences":[{"text":"Yeah.","start":1653.375,"end":1653.875,"sentiment":"neutral","sentiment_score":0.057287558913230896},{"text":"Okay.","start":1654.895,"end":1655.395,"sentiment":"neutral","sentiment_score":0.06008472293615341},{"text":"So quite a jump between between, you know, 01/20 up to 02/20.","start":1655.695,"end":1660.6749,"sentiment":"neutral","sentiment_score":0.02398851979523897},{"text":"And then, you 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it.","start":1698.89,"end":1703.085,"sentiment":"neutral","sentiment_score":0.09074160356361133}],"sentiment":"neutral","sentiment_score":0.08657289819942939,"num_words":37,"start":1680.425,"end":1703.085},{"sentences":[{"text":"Or sometimes, you know it's there.","start":1703.245,"end":1704.605,"sentiment":"neutral","sentiment_score":0.06953737574319045},{"text":"It's just digging for it.","start":1704.605,"end":1705.565,"sentiment":"neutral","sentiment_score":0.1221397340297699},{"text":"It's pain.","start":1705.565,"end":1710.6849,"sentiment":"neutral","sentiment_score":-0.024847466498613358},{"text":"Do you know have you like, as a business, generally, you know, sort of you'll do a trajectory forward to sort of future plan for the business.","start":1710.6849,"end":1717.52,"sentiment":"neutral","sentiment_score":0.03960118249610618},{"text":"What's the business trajectory for next financial 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'27.","start":1719.92,"end":1721.46,"sentiment":"neutral","sentiment_score":0.04195595998317003},{"text":"Yeah.","start":1727.935,"end":1728.435,"sentiment":"neutral","sentiment_score":0.05196565389633179},{"text":"Yes.","start":1758.6849,"end":1759.085,"sentiment":"neutral","sentiment_score":0.11726127564907074},{"text":"Yeah.","start":1759.085,"end":1759.4049,"sentiment":"neutral","sentiment_score":0.12456722557544708},{"text":"Gross.","start":1759.4049,"end":1759.9049,"sentiment":"neutral","sentiment_score":0.13042326271533966}],"sentiment":"neutral","sentiment_score":0.07400515722110868,"num_words":8,"start":1719.92,"end":1759.9049},{"sentences":[{"text":"Okay.","start":1778.235,"end":1778.635,"sentiment":"positive","sentiment_score":0.3334653377532959},{"text":"Perfect.","start":1778.635,"end":1779.135,"sentiment":"positive","sentiment_score":0.5832349061965942},{"text":"So that means that based on that, next financial year will probably be where we can start really executing some 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come.","start":1997.77,"end":1998.6699,"sentiment":"neutral","sentiment_score":-0.03058699518442154},{"text":"Yeah.","start":1998.89,"end":1999.39,"sentiment":"neutral","sentiment_score":-0.057626232504844666},{"text":"Nope.","start":2004.025,"end":2004.525,"sentiment":"neutral","sentiment_score":-0.06361844390630722},{"text":"Perfect.","start":2008.505,"end":2009.005,"sentiment":"neutral","sentiment_score":0.06881729513406754}],"sentiment":"neutral","sentiment_score":0.003039708361029625,"num_words":8,"start":1989.4049,"end":2009.005},{"sentences":[{"text":"Yes.","start":2016.36,"end":2016.86,"sentiment":"neutral","sentiment_score":-0.04248981922864914},{"text":"Yeah.","start":2030.615,"end":2031.115,"sentiment":"neutral","sentiment_score":-0.14962920546531677},{"text":"Yep.","start":2045.11,"end":2045.35,"sentiment":"neutral","sentiment_score":-0.05903696268796921},{"text":"Yeah.","start":2045.35,"end":2045.85,"sentiment":"neutral","sentiment_score":-0.05349993705749512},{"text":"Yeah.","start":2052.885,"end":2053.205,"sentiment":"neutral","sentiment_score":-0.1952609419822693}],"sentiment":"neutral","sentiment_score":-0.0999833732843399,"num_words":5,"start":2016.36,"end":2053.205},{"sentences":[{"text":"You don't you don't you wanna keep liquidity with your account.","start":2053.205,"end":2056.485,"sentiment":"negative","sentiment_score":-0.34340575201944873},{"text":"You don't wanna lock it away.","start":2056.485,"end":2057.865,"sentiment":"neutral","sentiment_score":-0.3271217942237854},{"text":"No.","start":2061.685,"end":2061.925,"sentiment":"neutral","sentiment_score":-0.014598779380321504},{"text":"That makes sense.","start":2061.925,"end":2062.825,"sentiment":"neutral","sentiment_score":0.07933649917443593},{"text":"Okay.","start":2063.845,"end":2064.345,"sentiment":"neutral","sentiment_score":0.08341164141893387}],"sentiment":"neutral","sentiment_score":-0.2469714399088513,"num_words":22,"start":2053.205,"end":2064.345},{"sentences":[{"text":"So with I guess I I guess just to sort of summarize all your goals to make sure that I've I've I've got it them clear.","start":2064.485,"end":2079.435,"sentiment":"neutral","sentiment_score":0.20137193942299256},{"text":"So there's the car.","start":2079.435,"end":2079.915,"sentiment":"neutral","sentiment_score":0.013727503828704357},{"text":"There's the travel.","start":2079.915,"end":2080.7952,"sentiment":"neutral","sentiment_score":-0.003972900100052357},{"text":"They are future planning.","start":2080.7952,"end":2081.995,"sentiment":"neutral","sentiment_score":-0.03147659730166197},{"text":"They're pretty low priority, and they will as you said, they'll fall in place once the big stuff starts getting fixed and sorted for you.","start":2081.995,"end":2090.495,"sentiment":"neutral","sentiment_score":-0.04047719359397888}],"sentiment":"neutral","sentiment_score":0.0667875082412314,"num_words":62,"start":2064.485,"end":2090.495},{"sentences":[{"text":"Your big goals are confirmation of, I guess, where your income's going and the best way to structure it from a tax planning and income flow position, purchase of properties and shares from a growth and wealth generation position as well, and where is the best place for those assets to be purchased, whether it's company trust, personal structure.","start":2092.17,"end":2122.54,"sentiment":"positive","sentiment_score":0.3585188396401324},{"text":"Yeah.","start":2133.4148,"end":2133.9148,"sentiment":"neutral","sentiment_score":-0.20177659392356873},{"text":"Yep.","start":2159.765,"end":2160.2449,"sentiment":"neutral","sentiment_score":-0.04138120263814926},{"text":"So, basically, I'll set it.","start":2160.2449,"end":2162.105,"sentiment":"neutral","sentiment_score":-0.0370121493935585},{"text":"Yeah.","start":2163.6848,"end":2164.1848,"sentiment":"neutral","sentiment_score":0.14827653765678406}],"sentiment":"neutral","sentiment_score":0.31153238108798637,"num_words":67,"start":2092.17,"end":2164.1848},{"sentences":[{"text":"Yeah.","start":2176.98,"end":2177.3801,"sentiment":"neutral","sentiment_score":0.13701215386390686},{"text":"Hi.","start":2177.3801,"end":2177.78,"sentiment":"neutral","sentiment_score":0.13518261909484863},{"text":"Do you know what the asset's gonna be worth once it's built?","start":2177.78,"end":2180.9202,"sentiment":"neutral","sentiment_score":0.10153991108139356},{"text":"No.","start":2182.755,"end":2183.255,"sentiment":"neutral","sentiment_score":-0.2431771159172058},{"text":"Yes.","start":2196.05,"end":2196.37,"sentiment":"neutral","sentiment_score":0.015719857066869736}],"sentiment":"neutral","sentiment_score":0.07895102794282138,"num_words":16,"start":2176.98,"end":2196.37},{"sentences":[{"text":"Yeah.","start":2196.37,"end":2196.87,"sentiment":"neutral","sentiment_score":-0.016808442771434784},{"text":"Yeah.","start":2198.85,"end":2199.33,"sentiment":"neutral","sentiment_score":-0.022762231528759003},{"text":"Well, do you I was gonna say, what's your what's your address?","start":2199.33,"end":2202.37,"sentiment":"neutral","sentiment_score":-0.052192801454414926},{"text":"Because I can look up an estimation.","start":2202.37,"end":2203.75,"sentiment":"neutral","sentiment_score":-0.008742368913122587},{"text":"Okay.","start":2252.5898,"end":2253.0898,"sentiment":"neutral","sentiment_score":0.07693818211555481}],"sentiment":"neutral","sentiment_score":-0.029551940546794372,"num_words":22,"start":2196.37,"end":2253.0898},{"sentences":[{"text":"What we thought.","start":2254.385,"end":2255.365,"sentiment":"neutral","sentiment_score":-0.0006879822661479315},{"text":"No.","start":2262.385,"end":2262.885,"sentiment":"neutral","sentiment_score":-0.16414828598499298},{"text":"That's okay.","start":2263.025,"end":2263.845,"sentiment":"neutral","sentiment_score":-0.012327756732702255},{"text":"No.","start":2263.905,"end":2263.9849,"sentiment":"neutral","sentiment_score":0.13081447780132294},{"text":"That's fantastic.","start":2263.9849,"end":2264.805,"sentiment":"positive","sentiment_score":0.5159281492233276}],"sentiment":"neutral","sentiment_score":0.10797811444434854,"num_words":9,"start":2254.385,"end":2264.805},{"sentences":[{"text":"1.6 is great.","start":2264.865,"end":2266.165,"sentiment":"positive","sentiment_score":0.536425789197286},{"text":"And do you know what your like, what I guess, what what building is being built?","start":2267.54,"end":2272.82,"sentiment":"neutral","sentiment_score":0.018590561114251614},{"text":"Is it sort of like a granny flat, or is it a completely separate dwelling?","start":2272.82,"end":2275.56,"sentiment":"neutral","sentiment_score":-0.008380654888848463},{"text":"Granny flat.","start":2275.7,"end":2276.26,"sentiment":"neutral","sentiment_score":-0.039348727092146873},{"text":"Okay.","start":2276.26,"end":2276.76,"sentiment":"neutral","sentiment_score":-0.010353343561291696}],"sentiment":"neutral","sentiment_score":0.045728803360583006,"num_words":37,"start":2264.865,"end":2276.76},{"sentences":[{"text":"Yeah.","start":2278.82,"end":2279.235,"sentiment":"neutral","sentiment_score":-0.08545538783073425},{"text":"And what are we looking to rent it out for?","start":2280.195,"end":2282.7751,"sentiment":"neutral","sentiment_score":0.0054548105224967005},{"text":"Yep.","start":2296.37,"end":2296.87,"sentiment":"neutral","sentiment_score":0.01024680957198143},{"text":"No.","start":2301.49,"end":2301.99,"sentiment":"neutral","sentiment_score":-0.1176733523607254},{"text":"No.","start":2329.6948,"end":2329.855,"sentiment":"neutral","sentiment_score":-0.1746269315481186}],"sentiment":"neutral","sentiment_score":-0.022354339781616415,"num_words":14,"start":2278.82,"end":2329.855},{"sentences":[{"text":"That's okay.","start":2329.855,"end":2330.335,"sentiment":"neutral","sentiment_score":-0.10924985632300377},{"text":"Alright.","start":2330.335,"end":2330.835,"sentiment":"neutral","sentiment_score":0.0030484572052955627},{"text":"The the the re like, I the the property will have to be valued for it to get an accurate value.","start":2331.9348,"end":2337.2148,"sentiment":"neutral","sentiment_score":-0.04253779688761348},{"text":"So you'd have to go through the bank and get it valued that way because the way you've done it, especially if you've done it on realestate.com, it's not gonna show up as a true valuation because real estate is not gonna know that it has a separate dwelling on it, so on and so forth.","start":2337.2148,"end":2352.63,"sentiment":"neutral","sentiment_score":-0.19811181893705257},{"text":"Not gonna have all the details.","start":2353.105,"end":2354.385,"sentiment":"neutral","sentiment_score":-0.14199073736866316}],"sentiment":"neutral","sentiment_score":-0.15180175900892462,"num_words":86,"start":2329.855,"end":2354.385},{"sentences":[{"text":"Right now, it has an estimation based on what the details are on the property.","start":2354.385,"end":2359.345,"sentiment":"neutral","sentiment_score":-0.06056205779314041},{"text":"So if it's, say, five bedroom, two bathroom, four carport, what it does is it finds other properties in that in that range with those offerings and the rough same, you know, property land size, and it goes, well, other properties in the area have sold for this amount.","start":2359.345,"end":2375.35,"sentiment":"neutral","sentiment_score":0.0036407457664608955},{"text":"The medium amount is this.","start":2375.35,"end":2376.8901,"sentiment":"neutral","sentiment_score":0.047054768353700635},{"text":"You know?","start":2376.95,"end":2377.51,"sentiment":"neutral","sentiment_score":0.025190007872879505},{"text":"And the more properties in the area that have sold, the higher that confidence goes up.","start":2377.51,"end":2382.045,"sentiment":"neutral","sentiment_score":0.05928286397829652}],"sentiment":"neutral","sentiment_score":0.00579477421639637,"num_words":87,"start":2354.385,"end":2382.045},{"sentences":[{"text":"If there haven't been any properties that have sold in a long time in the area, the confidence becomes lower.","start":2382.125,"end":2387.1848,"sentiment":"neutral","sentiment_score":-0.059456363692879675},{"text":"Whereas if there's lots of properties selling in the area, the confidence starts getting higher and higher based on the valuation estimate.","start":2387.4849,"end":2393.265,"sentiment":"neutral","sentiment_score":-0.12879584424874999},{"text":"Yeah.","start":2393.565,"end":2394.065,"sentiment":"neutral","sentiment_score":-0.012971332296729088},{"text":"So if you've done these, Yeah.","start":2395.165,"end":2397.7302,"sentiment":"neutral","sentiment_score":-0.003177755589907368},{"text":"So there's there's yeah.","start":2397.7302,"end":2399.6501,"sentiment":"neutral","sentiment_score":0.004061542407725938}],"sentiment":"neutral","sentiment_score":-0.07619674610444081,"num_words":53,"start":2382.125,"end":2399.6501},{"sentences":[{"text":"So there's been a few properties that have sold in the area, and they're pretty like, the the app and how it it binds the data, they're pretty confident that you'd be able to get roughly that amount of money.","start":2399.6501,"end":2409.9702,"sentiment":"neutral","sentiment_score":0.1838635983876884},{"text":"It's not obviously a true figure, but it's rough.","start":2409.9702,"end":2412.315,"sentiment":"neutral","sentiment_score":-0.2571553770038817},{"text":"If you've done other work to the property that, you know, realestate.com doesn't know about, the valuation's totally off.","start":2412.395,"end":2420.9749,"sentiment":"negative","sentiment_score":-0.46617800781601354},{"text":"Yeah.","start":2422.635,"end":2423.135,"sentiment":"neutral","sentiment_score":-0.07201708108186722},{"text":"So right now, fine way of valuing the property.","start":2423.355,"end":2426.81,"sentiment":"neutral","sentiment_score":-0.013773796872960197}],"sentiment":"neutral","sentiment_score":-0.051451511012438014,"num_words":78,"start":2399.6501,"end":2426.81},{"sentences":[{"text":"The second that Granny Flat is built, it's not gonna show you the true value.","start":2426.81,"end":2430.99,"sentiment":"negative","sentiment_score":-0.34462476273377735},{"text":"Yeah.","start":2434.09,"end":2434.4102,"sentiment":"neutral","sentiment_score":-0.06070106476545334},{"text":"Yeah.","start":2434.4102,"end":2434.6501,"sentiment":"neutral","sentiment_score":-0.03916744142770767},{"text":"100%.","start":2434.6501,"end":2435.21,"sentiment":"neutral","sentiment_score":-0.012269849888980389},{"text":"Yeah.","start":2435.21,"end":2435.29,"sentiment":"neutral","sentiment_score":0.096328467130661}],"sentiment":"neutral","sentiment_score":-0.2729042805241127,"num_words":19,"start":2426.81,"end":2435.29},{"sentences":[{"text":"You can just get a real estate agent to come through and have a look.","start":2435.29,"end":2437.815,"sentiment":"neutral","sentiment_score":0.08072545503576596},{"text":"Don't be wrong.","start":2437.895,"end":2438.2148,"sentiment":"neutral","sentiment_score":-0.06529101729393005},{"text":"If you do that, they're gonna harass you.","start":2438.2148,"end":2439.655,"sentiment":"negative","sentiment_score":-0.3662009909749031},{"text":"But if you use the real estate agent that you are intending on using from a rental capacity yeah.","start":2439.655,"end":2447.255,"sentiment":"neutral","sentiment_score":-0.15823774902444138},{"text":"Or, like, if you come if you get a valuation done, sometimes they harass you wanting to sell it.","start":2447.255,"end":2451.57,"sentiment":"neutral","sentiment_score":-0.18067803625997744}],"sentiment":"neutral","sentiment_score":-0.13053123553982005,"num_words":64,"start":2435.29,"end":2451.57},{"sentences":[{"text":"But if you if you go through the agent the agency that's gonna be the rental agency, they'll be able to give you a valuation.","start":2452.1301,"end":2459.99,"sentiment":"neutral","sentiment_score":-0.08667782528325915},{"text":"Yeah.","start":2460.21,"end":2460.61,"sentiment":"neutral","sentiment_score":0.13116198778152466},{"text":"They'll know exactly what you're wanting it for, and they'll be able to just help you out for that.","start":2460.61,"end":2464.31,"sentiment":"neutral","sentiment_score":0.2262177553616072},{"text":"So yeah.","start":2464.6748,"end":2466.9949,"sentiment":"neutral","sentiment_score":0.29646003246307373},{"text":"Perfect.","start":2466.9949,"end":2467.4749,"sentiment":"positive","sentiment_score":0.5996554493904114}],"sentiment":"neutral","sentiment_score":0.07197769212264878,"num_words":48,"start":2452.1301,"end":2467.4749},{"sentences":[{"text":"So we're gonna build the Granny Flat.","start":2467.4749,"end":2469.1748,"sentiment":"positive","sentiment_score":0.4715782574244908},{"text":"Our current investment property is chugging along.","start":2469.795,"end":2472.275,"sentiment":"neutral","sentiment_score":0.15430883211748941},{"text":"It's got rent coming in there as well, and we just wanna sort of, I guess, look after the kids and just let them grow up and do their thing from a personal point of view.","start":2472.275,"end":2481.6301,"sentiment":"neutral","sentiment_score":0.26638983924769694},{"text":"I know.","start":2486.1702,"end":2486.97,"sentiment":"neutral","sentiment_score":0.022562649101018906},{"text":"And you've got a 13 year old.","start":2486.97,"end":2488.6501,"sentiment":"neutral","sentiment_score":0.027416909113526344}],"sentiment":"neutral","sentiment_score":0.24081843223233343,"num_words":59,"start":2467.4749,"end":2488.6501},{"sentences":[{"text":"Isn't it a blessed age?","start":2488.6501,"end":2490.1902,"sentiment":"neutral","sentiment_score":0.037747624516487124},{"text":"You've got do you have a a son and a daughter or two sons?","start":2495.6748,"end":2498.7349,"sentiment":"neutral","sentiment_score":0.01684660091996193},{"text":"So it's you'll you're you'll really oh, beautiful.","start":2502.4749,"end":2512.19,"sentiment":"neutral","sentiment_score":0.15150317596271634},{"text":"So you you've been through it a few times there.","start":2513.05,"end":2515.39,"sentiment":"neutral","sentiment_score":0.011981609091162682},{"text":"Isn't it fun?","start":2519.0952,"end":2519.975,"sentiment":"neutral","sentiment_score":-0.04487513254086176}],"sentiment":"neutral","sentiment_score":0.04054516591131687,"num_words":40,"start":2488.6501,"end":2519.975},{"sentences":[{"text":"Every time, no matter what.","start":2519.975,"end":2521.0952,"sentiment":"neutral","sentiment_score":-0.09813325852155685},{"text":"They're all they're all different.","start":2521.0952,"end":2522.455,"sentiment":"neutral","sentiment_score":-0.12008196115493774},{"text":"They all have their different little quirks and and attitude that never never changes.","start":2522.455,"end":2529.0352,"sentiment":"neutral","sentiment_score":-0.09296680108777114},{"text":"They always they always know more than you, and they're always willing to push all the boundaries.","start":2529.5752,"end":2533.8901,"sentiment":"positive","sentiment_score":0.42629943262128267},{"text":"They definitely okay.","start":2538.59,"end":2541.3901,"sentiment":"positive","sentiment_score":0.7764976223309835}],"sentiment":"neutral","sentiment_score":0.16327208881689745,"num_words":44,"start":2519.975,"end":2541.3901},{"sentences":[{"text":"So I think I've got a pretty good basis as to where we need to go moving forward.","start":2541.3901,"end":2546.745,"sentiment":"positive","sentiment_score":0.6526412500275506},{"text":"The biggest thing for me is probably just getting a few more data points from yourself.","start":2547.525,"end":2554.825,"sentiment":"neutral","sentiment_score":0.22035934403538704},{"text":"So a state like, a a statement on your super fund, you know, confirmation of your cash flow, stuff like that.","start":2554.885,"end":2563.2998,"sentiment":"neutral","sentiment_score":0.17828841330040068},{"text":"But I'll send you an email so that way you don't have to write anything down, and you can just respond straight back to me.","start":2563.2998,"end":2567.8599,"sentiment":"neutral","sentiment_score":0.20596986174583434},{"text":"So that way, you know, it's coming to myself.","start":2567.8599,"end":2569.6199,"sentiment":"neutral","sentiment_score":0.26873955461714005}],"sentiment":"neutral","sentiment_score":0.2987106878603442,"num_words":89,"start":2541.3901,"end":2569.6199},{"sentences":[{"text":"You have a direct connection to me.","start":2569.6199,"end":2572.295,"sentiment":"neutral","sentiment_score":0.24130578339099884},{"text":"And from there, what I'll do is I'll start putting together research to be able to start articulating where we can head.","start":2573.795,"end":2582.61,"sentiment":"neutral","sentiment_score":0.15400076081806963},{"text":"One of the biggest things I am gonna ask for is the trust deed for your discretionary trust.","start":2582.6902,"end":2588.31,"sentiment":"neutral","sentiment_score":-0.0431550122383568},{"text":"That's gonna be probably the biggest painful thing for you to pull and send to me.","start":2588.37,"end":2592.05,"sentiment":"neutral","sentiment_score":-0.25765775609761477},{"text":"It's just so I can see how it's set up and make sure that anything that I do under the trust works within the trust deed and whether maybe we need to make changes to the trust deed.","start":2592.05,"end":2602.725,"sentiment":"neutral","sentiment_score":-0.025403809914438937}],"sentiment":"neutral","sentiment_score":-0.007797048246202124,"num_words":101,"start":2569.6199,"end":2602.725},{"sentences":[{"text":"Hopefully, we don't, but I just wanna make sure that I'm obviously looking at it properly and not just making assumptions.","start":2603.105,"end":2608.965,"sentiment":"neutral","sentiment_score":-0.023190361491981008},{"text":"Okay?","start":2609.185,"end":2609.685,"sentiment":"neutral","sentiment_score":0.01471199281513691},{"text":"So I'll send you an email so that way we can get all of that information through.","start":2609.85,"end":2616.99,"sentiment":"neutral","sentiment_score":0.08977234911392717},{"text":"Now I know that you did speak to Jordan yesterday and said that you did not want me to look at your superannuation or your insurances at all.","start":2617.2102,"end":2624.9102,"sentiment":"neutral","sentiment_score":-0.15842694895608084},{"text":"They do they do form part of your overall assets.","start":2626.045,"end":2630.545,"sentiment":"neutral","sentiment_score":0.016204635985195635}],"sentiment":"neutral","sentiment_score":-0.041819011357117006,"num_words":77,"start":2603.105,"end":2630.545},{"sentences":[{"text":"Do you want me to have a look and see whether there's anything I can do within those realms, insurance, super wise, to get a better product or cheaper product or better performance, better features with the insurance, anything like that?","start":2630.685,"end":2645.64,"sentiment":"neutral","sentiment_score":0.015666196031904802},{"text":"Yep.","start":2656.5151,"end":2657.0151,"sentiment":"neutral","sentiment_score":-0.009947821497917175},{"text":"Okay.","start":2677.105,"end":2677.605,"sentiment":"neutral","sentiment_score":0.033334776759147644},{"text":"Yep.","start":2684.225,"end":2684.725,"sentiment":"neutral","sentiment_score":-0.17300765216350555},{"text":"Yep.","start":2694.56,"end":2695.06,"sentiment":"neutral","sentiment_score":-0.012785397469997406}],"sentiment":"neutral","sentiment_score":0.010664620954129431,"num_words":45,"start":2630.685,"end":2695.06},{"sentences":[{"text":"I'm not a solicitor, but I, with respect to doing, like, beneficiary nominations and stuff like that, we can definitely make sure that we consider how to best format it.","start":2698.96,"end":2710.645,"sentiment":"neutral","sentiment_score":0.1562481480340163},{"text":"If you're wanting a trust structure, what you'll need to do is you'll need to have your estate take control of everything.","start":2711.185,"end":2716.885,"sentiment":"neutral","sentiment_score":0.17220473763617603},{"text":"That's the only way to make sure that the benefit goes into a trust structure.","start":2718.25,"end":2721.5498,"sentiment":"neutral","sentiment_score":0.26789740473032},{"text":"Otherwise, if you're wanting to, like, try and nominate like, if the beneficiary forms with the superannuation and any insurance policy, You could nominate a direct person or you can nominate your estate.","start":2721.8499,"end":2733.9849,"sentiment":"neutral","sentiment_score":0.11392353994376732},{"text":"If you nominate your estate, your estate can then distribute any of the assets or or income to whichever structure you want it to.","start":2734.125,"end":2743.76,"sentiment":"neutral","sentiment_score":0.1797737255692482}],"sentiment":"neutral","sentiment_score":0.16587464493368903,"num_words":124,"start":2698.96,"end":2743.76},{"sentences":[{"text":"So if you want it to transfer over to the trust structure, whether you want it to transfer over to individual people.","start":2743.76,"end":2750.66,"sentiment":"neutral","sentiment_score":0.05556109022687782},{"text":"Yeah.","start":2760.6548,"end":2761.1548,"sentiment":"neutral","sentiment_score":-0.07540111988782883},{"text":"Yep.","start":2775.3901,"end":2775.8901,"sentiment":"neutral","sentiment_score":0.043135687708854675},{"text":"To the kids.","start":2775.95,"end":2776.85,"sentiment":"neutral","sentiment_score":0.06393970797459285},{"text":"Yep.","start":2778.51,"end":2779.01,"sentiment":"neutral","sentiment_score":0.04456541687250137}],"sentiment":"neutral","sentiment_score":0.050945110486022065,"num_words":28,"start":2743.76,"end":2779.01},{"sentences":[{"text":"Yeah.","start":2805.285,"end":2805.785,"sentiment":"neutral","sentiment_score":0.016475550830364227},{"text":"Yep.","start":2806.085,"end":2806.585,"sentiment":"neutral","sentiment_score":0.055694546550512314},{"text":"Expenses.","start":2814.2449,"end":2814.7449,"sentiment":"neutral","sentiment_score":0.03844096139073372},{"text":"Find it again.","start":2825.77,"end":2826.75,"sentiment":"neutral","sentiment_score":0.033033329993486404},{"text":"Well, what I'll do is I'll get you the email through, Demisha.","start":2827.6099,"end":2830.01,"sentiment":"neutral","sentiment_score":0.14751554280519485}],"sentiment":"neutral","sentiment_score":0.10999430902302265,"num_words":18,"start":2805.285,"end":2830.01},{"sentences":[{"text":"That way, I can tear it apart and have a look at it.","start":2830.01,"end":2832.045,"sentiment":"neutral","sentiment_score":0.1354302316904068},{"text":"Perfect.","start":2835.085,"end":2835.585,"sentiment":"positive","sentiment_score":0.5860310792922974},{"text":"Well, I'll I'll send you an email with all the little bits and pieces that I would like from you statement wise.","start":2835.9648,"end":2841.645,"sentiment":"neutral","sentiment_score":0.2653234059160406},{"text":"If you need any help getting them, we can help you out, especially with, like, Tel, Brighter Super, stuff like that.","start":2841.645,"end":2847.28,"sentiment":"neutral","sentiment_score":0.25641816428729464},{"text":"We can we can contact them on your behalf if you give us authority to.","start":2847.28,"end":2850.98,"sentiment":"neutral","sentiment_score":0.2256080279747645}],"sentiment":"neutral","sentiment_score":0.23545334570937687,"num_words":72,"start":2830.01,"end":2850.98},{"sentences":[{"text":"But, otherwise, if you just wanna send statements through, that's completely okay as well.","start":2851.1199,"end":2854.66,"sentiment":"neutral","sentiment_score":0.2522107596908297},{"text":"And then if there's anything that does pop up, I'll flick you an email and organize a time to just touch base.","start":2855.52,"end":2861.6948,"sentiment":"neutral","sentiment_score":0.18292953751303934},{"text":"If there is anything that does you know, that I need clarification on or that I just sort of wanna double check with you, then I'll do that.","start":2861.6948,"end":2869.4749,"sentiment":"neutral","sentiment_score":0.08837126128907714},{"text":"But, otherwise, what I'll do is I'll start getting everything together and start researching your overall position and how we can best structure things for you.","start":2869.6948,"end":2877.3398,"sentiment":"neutral","sentiment_score":0.23367201565549925},{"text":"Now at the end of the day, if there's no advice that I can give you to put you in a better position, I'm going to tell you exactly that.","start":2877.5598,"end":2884.2998,"sentiment":"neutral","sentiment_score":-0.09929046308000883}],"sentiment":"neutral","sentiment_score":0.10938795243079463,"num_words":120,"start":2851.1199,"end":2884.2998},{"sentences":[{"text":"Okay?","start":2885.5598,"end":2886.0598,"sentiment":"neutral","sentiment_score":-0.17733073234558103},{"text":"I will say, look.","start":2886.105,"end":2887.065,"sentiment":"neutral","sentiment_score":-0.31532102078199387},{"text":"I'm not the best person.","start":2887.065,"end":2888.025,"sentiment":"negative","sentiment_score":-0.5001604974269866},{"text":"I don't think that's gonna be the outcome, but, you know, there's there's nothing I can do.","start":2888.025,"end":2891.945,"sentiment":"negative","sentiment_score":-0.49179912314695473},{"text":"You're sitting really good.","start":2891.945,"end":2893.325,"sentiment":"neutral","sentiment_score":-0.11441509611904621}],"sentiment":"negative","sentiment_score":-0.41153750905106146,"num_words":31,"start":2885.5598,"end":2893.325},{"sentences":[{"text":"Right now, you do or don't have the capacity to do something.","start":2893.465,"end":2896.265,"sentiment":"neutral","sentiment_score":-0.21273500379174948},{"text":"Let's talk in twelve months.","start":2896.265,"end":2897.645,"sentiment":"neutral","sentiment_score":-0.028834554925560953},{"text":"I will I will say that to you point blank if I can't do anything to help you out.","start":2898.36,"end":2902.2002,"sentiment":"neutral","sentiment_score":-0.29643565337908895},{"text":"I'm not gonna sit here and, you know, charge you money to do nothing for you.","start":2902.2002,"end":2906.1401,"sentiment":"negative","sentiment_score":-0.5706594400107861},{"text":"I'm not interested in that.","start":2906.2002,"end":2907.7402,"sentiment":"negative","sentiment_score":-0.6458125352859497}],"sentiment":"negative","sentiment_score":-0.36296287633217217,"num_words":57,"start":2893.465,"end":2907.7402},{"sentences":[{"text":"So I'm gonna be very forthcoming if I start pulling this apart and there's nothing I can do to help you out.","start":2909.2402,"end":2914.095,"sentiment":"neutral","sentiment_score":-0.1380826708945361},{"text":"I just wanna be open and honest about that.","start":2914.895,"end":2917.855,"sentiment":"neutral","sentiment_score":0.07939271132151286},{"text":"Alright?","start":2917.855,"end":2918.355,"sentiment":"neutral","sentiment_score":0.06811974197626114},{"text":"Okay.","start":2932.03,"end":2932.35,"sentiment":"neutral","sentiment_score":0.1006968468427658},{"text":"Good.","start":2932.35,"end":2932.85,"sentiment":"neutral","sentiment_score":0.3019903898239136}],"sentiment":"neutral","sentiment_score":-0.054484628798330534,"num_words":34,"start":2909.2402,"end":2932.85},{"sentences":[{"text":"Yeah.","start":2965.835,"end":2966.155,"sentiment":"neutral","sentiment_score":0.03435201942920685},{"text":"It's definitely sounding like that's a possibility.","start":2966.155,"end":2968.975,"sentiment":"neutral","sentiment_score":0.07498148615871157},{"text":"I will I will pull the figures and have a look, but it sounds like based just just from a numbers perspective Yeah.","start":2969.355,"end":2977.055,"sentiment":"neutral","sentiment_score":0.024826757042952206},{"text":"Yeah.","start":2977.4001,"end":2977.9001,"sentiment":"neutral","sentiment_score":0.008070003241300583},{"text":"Correct.","start":3015.125,"end":3015.525,"sentiment":"neutral","sentiment_score":0.025284595787525177}],"sentiment":"neutral","sentiment_score":0.03526037677445195,"num_words":33,"start":2965.835,"end":3015.525},{"sentences":[{"text":"Yeah.","start":3015.525,"end":3016.025,"sentiment":"neutral","sentiment_score":0.011209383606910706},{"text":"It'll depend on what income you've had coming in from the property.","start":3016.2449,"end":3018.885,"sentiment":"neutral","sentiment_score":-0.005672223788375656},{"text":"Like, if you as you said, you hadn't rented it for quite a number of months.","start":3018.885,"end":3022.505,"sentiment":"neutral","sentiment_score":-0.024810712900944054},{"text":"Ten okay.","start":3023.125,"end":3024.165,"sentiment":"neutral","sentiment_score":0.09660208597779274},{"text":"Ten ten months.","start":3024.165,"end":3025.205,"sentiment":"neutral","sentiment_score":0.0725157509247462}],"sentiment":"neutral","sentiment_score":-0.0012669789276140578,"num_words":34,"start":3015.525,"end":3025.205},{"sentences":[{"text":"There you go.","start":3025.205,"end":3026.105,"sentiment":"neutral","sentiment_score":0.08618767807881038},{"text":"Okay.","start":3026.2449,"end":3026.565,"sentiment":"neutral","sentiment_score":0.045503925532102585},{"text":"So ten months of no income.","start":3026.565,"end":3028.345,"sentiment":"neutral","sentiment_score":-0.08519177914907534},{"text":"Okay.","start":3031.3198,"end":3031.56,"sentiment":"neutral","sentiment_score":-0.01123899407684803},{"text":"And then it got rented yeah.","start":3031.56,"end":3033.56,"sentiment":"neutral","sentiment_score":-0.018847630824893713}],"sentiment":"neutral","sentiment_score":-0.019494617303066394,"num_words":17,"start":3025.205,"end":3033.56},{"sentences":[{"text":"So and then it got okay.","start":3033.56,"end":3036.22,"sentiment":"neutral","sentiment_score":-0.005637072958052158},{"text":"So March 25 to basically halfway through halfway through April of 20 '26.","start":3037.96,"end":3048.555,"sentiment":"neutral","sentiment_score":-0.08949609817220615},{"text":"Yes.","start":3050.615,"end":3051.115,"sentiment":"neutral","sentiment_score":-0.026237476617097855},{"text":"Look.","start":3051.4949,"end":3051.815,"sentiment":"neutral","sentiment_score":-0.0975959524512291},{"text":"Realistically, possibly, this financial year is not gonna be a financial year for you to do anything much.","start":3051.815,"end":3056.795,"sentiment":"negative","sentiment_score":-0.409450180000729}],"sentiment":"neutral","sentiment_score":-0.22285149700175494,"num_words":39,"start":3033.56,"end":3056.795},{"sentences":[{"text":"That that could also go from a putting contributions into your super fund.","start":3057.35,"end":3061.1301,"sentiment":"neutral","sentiment_score":-0.31175634952691883},{"text":"I will run the numbers.","start":3061.19,"end":3062.41,"sentiment":"neutral","sentiment_score":-0.108720663189888},{"text":"Don't do anything, but I will run the numbers and have a look.","start":3062.79,"end":3066.79,"sentiment":"neutral","sentiment_score":-0.04230681520241957},{"text":"Because if you, yeah, if you haven't been if you haven't rented out that property for basically well, it's it's ten months worth of this financial year.","start":3066.79,"end":3079.585,"sentiment":"neutral","sentiment_score":-0.05866235839547934},{"text":"Yeah.","start":3082.765,"end":3083.2449,"sentiment":"neutral","sentiment_score":0.04725653678178787}],"sentiment":"neutral","sentiment_score":-0.11327206097164397,"num_words":59,"start":3057.35,"end":3083.2449},{"sentences":[{"text":"So you've got it's nine and a half months.","start":3083.2449,"end":3085.1199,"sentiment":"neutral","sentiment_score":0.005891151933206452},{"text":"You got two and a half months left of this financial year that you're renting it out.","start":3085.1199,"end":3088.32,"sentiment":"neutral","sentiment_score":-0.010908336762119742},{"text":"You're you're renting it out at $1,100 a week.","start":3088.32,"end":3090.66,"sentiment":"neutral","sentiment_score":-0.008963847532868385},{"text":"You know, you still got costs and stuff like that you've you've incurred.","start":3091.84,"end":3094.48,"sentiment":"neutral","sentiment_score":-0.17576305682842547},{"text":"60,000 dollars that you've spent on the property including the interest that you've paid.","start":3094.48,"end":3099.205,"sentiment":"neutral","sentiment_score":-0.07368367644292968}],"sentiment":"neutral","sentiment_score":-0.056928825714895805,"num_words":62,"start":3083.2449,"end":3099.205},{"sentences":[{"text":"You've you've you've made nothing, and then your income, your income being the basically, about a $100, by the time you take, yeah, by the time you take the $60,000 off your income of a $100, you're left with sort of 40.","start":3100.225,"end":3115.3,"sentiment":"neutral","sentiment_score":-0.06970474616225276},{"text":"It's and don't get me wrong.","start":3119.2,"end":3120.48,"sentiment":"neutral","sentiment_score":-0.02498939074575901},{"text":"It's not offset's not dollar for dollar.","start":3120.48,"end":3122.48,"sentiment":"neutral","sentiment_score":-0.07512901670166425},{"text":"We, you know, we all know those kinds of things.","start":3122.48,"end":3124.3198,"sentiment":"neutral","sentiment_score":-0.10724463686347008},{"text":"But but, you know, your your income's starting to get a little bit on the lower side.","start":3124.3198,"end":3129.145,"sentiment":"neutral","sentiment_score":-0.29061421664322123}],"sentiment":"neutral","sentiment_score":-0.1172722786801254,"num_words":82,"start":3100.225,"end":3129.145},{"sentences":[{"text":"Any money that you're trying to offload elsewhere is starting to get into the probably less tax effective bracket.","start":3129.2852,"end":3135.7852,"sentiment":"negative","sentiment_score":-0.47585034213568034},{"text":"Yeah.","start":3142.42,"end":3142.92,"sentiment":"neutral","sentiment_score":-0.04472208023071289},{"text":"Oh, cool.","start":3149.715,"end":3154.135,"sentiment":"neutral","sentiment_score":-0.05802146717905998},{"text":"Oh, lovely.","start":3156.915,"end":3158.135,"sentiment":"neutral","sentiment_score":0.2196819856762886},{"text":"Yep.","start":3165.81,"end":3166.31,"sentiment":"neutral","sentiment_score":0.0050930059514939785}],"sentiment":"negative","sentiment_score":-0.35029858151450755,"num_words":25,"start":3129.2852,"end":3166.31},{"sentences":[{"text":"Okay.","start":3168.29,"end":3168.79,"sentiment":"neutral","sentiment_score":-0.03068912774324417},{"text":"So how much did you spend ignoring insurance?","start":3169.01,"end":3173.59,"sentiment":"neutral","sentiment_score":-0.03948428831063211},{"text":"Or was it 60 overall and then you know how much insurance paid you?","start":3174.335,"end":3178.115,"sentiment":"neutral","sentiment_score":-0.0334862233804805},{"text":"Yep.","start":3182.575,"end":3183.075,"sentiment":"neutral","sentiment_score":0.0035985324066132307},{"text":"Okay.","start":3188.19,"end":3188.69,"sentiment":"neutral","sentiment_score":0.02140319347381592}],"sentiment":"neutral","sentiment_score":-0.03161475342698395,"num_words":25,"start":3168.29,"end":3188.69},{"sentences":[{"text":"Alright.","start":3190.11,"end":3190.43,"sentiment":"neutral","sentiment_score":0.034815918654203415},{"text":"So you're 30 k out of pocket still.","start":3190.43,"end":3192.77,"sentiment":"neutral","sentiment_score":-0.03062903555110097},{"text":"Okay.","start":3195.79,"end":3196.29,"sentiment":"neutral","sentiment_score":0.005977880209684372},{"text":"Okay.","start":3196.67,"end":3197.17,"sentiment":"neutral","sentiment_score":-0.006476622074842453},{"text":"No.","start":3197.23,"end":3197.47,"sentiment":"neutral","sentiment_score":-0.08230934292078018}],"sentiment":"neutral","sentiment_score":-0.024418704211711884,"num_words":12,"start":3190.11,"end":3197.47},{"sentences":[{"text":"That's still good.","start":3197.47,"end":3198.69,"sentiment":"neutral","sentiment_score":0.006748110055923462},{"text":"Yeah.","start":3202.735,"end":3203.235,"sentiment":"neutral","sentiment_score":-0.1017172634601593},{"text":"No.","start":3206.8152,"end":3207.3152,"sentiment":"negative","sentiment_score":-0.3658372461795807},{"text":"Yeah.","start":3208.415,"end":3208.915,"sentiment":"neutral","sentiment_score":-0.1417805552482605},{"text":"Yeah.","start":3216.67,"end":3217.17,"sentiment":"neutral","sentiment_score":-0.1183532178401947}],"sentiment":"neutral","sentiment_score":-0.1010634217943464,"num_words":7,"start":3197.47,"end":3217.17},{"sentences":[{"text":"No.","start":3226.605,"end":3227.105,"sentiment":"neutral","sentiment_score":-0.26595380902290344},{"text":"Yep.","start":3227.565,"end":3228.065,"sentiment":"neutral","sentiment_score":-0.11615708470344543},{"text":"Yes.","start":3234.125,"end":3234.625,"sentiment":"neutral","sentiment_score":-0.07128560543060303},{"text":"Yeah.","start":3254.3152,"end":3254.7952,"sentiment":"neutral","sentiment_score":-0.012520761229097843},{"text":"In the company.","start":3254.7952,"end":3255.695,"sentiment":"neutral","sentiment_score":-0.007547104420761268}],"sentiment":"neutral","sentiment_score":-0.06979408194976193,"num_words":7,"start":3226.605,"end":3255.695},{"sentences":[{"text":"Correct.","start":3260.33,"end":3260.83,"sentiment":"neutral","sentiment_score":0.009068754501640797},{"text":"And especially especially if our like, the the the basically, the the the toss-up is, do we pay company tax at 30% or do we pay marginal tax rate?","start":3266.65,"end":3275.95,"sentiment":"neutral","sentiment_score":-0.04240957888421314},{"text":"And that's that's gonna basically be the the the coin flip that we're gonna deal with.","start":3276.385,"end":3279.925,"sentiment":"neutral","sentiment_score":-0.07328331959433854},{"text":"So I'll have a I'll have a look at it from that perspective and see where we're sitting.","start":3281.3452,"end":3285.185,"sentiment":"neutral","sentiment_score":0.05741325869328446},{"text":"We have $60 that we could basically pull.","start":3285.185,"end":3287.365,"sentiment":"neutral","sentiment_score":0.03733091033063829}],"sentiment":"neutral","sentiment_score":-0.014739669548968473,"num_words":72,"start":3260.33,"end":3287.365},{"sentences":[{"text":"I'll make sure that I've I've run it through and have a look.","start":3287.425,"end":3290.245,"sentiment":"neutral","sentiment_score":0.0589740789280488},{"text":"And then when we pull it, where we're gonna put well, what we're gonna do with the money.","start":3292.2,"end":3296.06,"sentiment":"neutral","sentiment_score":0.03034693778802951},{"text":"Can I ask, do you have a good accountant that you actually sit with and work with?","start":3296.84,"end":3300.7,"sentiment":"neutral","sentiment_score":0.018013379974838567},{"text":"Yep.","start":3307.675,"end":3308.175,"sentiment":"neutral","sentiment_score":0.0051993755623698235},{"text":"What?","start":3324.5698,"end":3325.0698,"sentiment":"neutral","sentiment_score":-0.06867699325084686}],"sentiment":"neutral","sentiment_score":0.031113154962658884,"num_words":50,"start":3287.425,"end":3325.0698},{"sentences":[{"text":"Yep.","start":3325.29,"end":3325.79,"sentiment":"neutral","sentiment_score":-0.021299485117197037},{"text":"I wish I had accountants in my practice.","start":3336.185,"end":3338.105,"sentiment":"neutral","sentiment_score":-0.06652896665036678},{"text":"No.","start":3338.105,"end":3338.605,"sentiment":"neutral","sentiment_score":-0.11243681609630583},{"text":"We have accountants that we refer to, and we only use them because they have done such great work for our clients historically.","start":3338.665,"end":3346.9302,"sentiment":"neutral","sentiment_score":0.12973596657747807},{"text":"Other like, I have previously ceased refer like, referring clients to other firms because they, you know, haven't done good work.","start":3348.4302,"end":3358.185,"sentiment":"neutral","sentiment_score":-0.26240756469113485}],"sentiment":"neutral","sentiment_score":-0.05912221595644951,"num_words":54,"start":3325.29,"end":3358.185},{"sentences":[{"text":"So I've I use these guys because they have produced fantastic work for my my clients.","start":3358.565,"end":3364.185,"sentiment":"positive","sentiment_score":0.5904911840334535},{"text":"So I am more than happy if you wanna in the email that I send you, I can pop their details in, and you can have a look and look at contacting them from that perspective.","start":3364.645,"end":3373.6602,"sentiment":"positive","sentiment_score":0.5366352664099799},{"text":"Yeah.","start":3384.135,"end":3384.635,"sentiment":"neutral","sentiment_score":0.16826379299163818},{"text":"Yeah.","start":3412.7249,"end":3412.805,"sentiment":"neutral","sentiment_score":-0.00776001438498497},{"text":"Yeah.","start":3412.805,"end":3413.305,"sentiment":"neutral","sentiment_score":-0.003959402441978455}],"sentiment":"positive","sentiment_score":0.5258776892992583,"num_words":55,"start":3358.565,"end":3413.305},{"sentences":[{"text":"And look, we we always have those years where I mean, it sounds like yours was particularly bad because of a bad tenant, but we always have those years where they ebb and flow.","start":3413.365,"end":3422.4,"sentiment":"neutral","sentiment_score":-0.18231881563277805},{"text":"So, I mean, fingers crossed, we can put you in a good position tax wise and get you paying as little tax as possible from that perspective.","start":3422.4,"end":3430.02,"sentiment":"neutral","sentiment_score":0.3272438460478076},{"text":"But, yeah, let me yeah.","start":3432.1748,"end":3442.8948,"sentiment":"neutral","sentiment_score":0.052875854447484015},{"text":"And whether we do something next year.","start":3442.8948,"end":3444.9148,"sentiment":"neutral","sentiment_score":0.021140414157084057},{"text":"Yes.","start":3447.94,"end":3448.42,"sentiment":"neutral","sentiment_score":0.24709242582321167}],"sentiment":"neutral","sentiment_score":0.04454322579644016,"num_words":74,"start":3413.365,"end":3448.42},{"sentences":[{"text":"I'll I'll have a look to see whether it's worth doing anything this year.","start":3448.42,"end":3451.72,"sentiment":"neutral","sentiment_score":0.220100360257285},{"text":"Based on the income that you pulled in, I'm thinking possibly not.","start":3451.7798,"end":3455.16,"sentiment":"neutral","sentiment_score":-0.026543347164988518},{"text":"And I'll run the figures, and I'll show you.","start":3456.5798,"end":3458.7598,"sentiment":"neutral","sentiment_score":0.07286092638969421},{"text":"Correct.","start":3459.4949,"end":3459.7349,"sentiment":"neutral","sentiment_score":0.10142713040113448},{"text":"It it's not even it's not even financially.","start":3459.7349,"end":3461.9148,"sentiment":"neutral","sentiment_score":-0.11309030081611127}],"sentiment":"neutral","sentiment_score":0.059439498613673175,"num_words":44,"start":3448.42,"end":3461.9148},{"sentences":[{"text":"It's just so marginal tax rates, you when when we pay when we pay tax personally, we pay it at a marginal rate.","start":3461.9749,"end":3468.4548,"sentiment":"neutral","sentiment_score":-0.011548696652702663},{"text":"For the first 18,200, we pay no tax on.","start":3468.4548,"end":3471.575,"sentiment":"neutral","sentiment_score":0.056349163668023214},{"text":"So it makes no sense to put, you know if you earn $20 for the year, it makes no sense putting $20,000 into the superannuation fund to make to mean that you've earned nothing because then you pay 15% through the super fund tax where where you wouldn't where you wouldn't have paid you would have paid basically nothing personally.","start":3471.575,"end":3492.1648,"sentiment":"negative","sentiment_score":-0.4405406771848599},{"text":"So tax effectively, no sense.","start":3492.2249,"end":3494.6448,"sentiment":"negative","sentiment_score":-0.4669189929962158},{"text":"It's where it's where concessional contributions could come in where instead of putting non concessionally, we could put sorry.","start":3496.625,"end":3502.9001,"sentiment":"neutral","sentiment_score":-0.00618644494955477}],"sentiment":"neutral","sentiment_score":-0.24692289310443247,"num_words":116,"start":3461.9749,"end":3502.9001},{"sentences":[{"text":"Instead of putting concessionally, being that that that your super fund would pay tax and you would get a tax offset, you could put it in non concessionally, which means that you pay your marginal tax rate and the money goes into the super fund and no additional tax is paid.","start":3502.9001,"end":3516.9949,"sentiment":"neutral","sentiment_score":0.08418523987718657},{"text":"We could do it that way because it it's still you know, it it generates a a return.","start":3516.9949,"end":3521.315,"sentiment":"positive","sentiment_score":0.3361530494358804},{"text":"It's, you know, investing.","start":3521.315,"end":3522.4548,"sentiment":"neutral","sentiment_score":0.2496725432574749},{"text":"It's it's doing all the things that we want it to do.","start":3522.515,"end":3524.855,"sentiment":"neutral","sentiment_score":0.27300739474594593},{"text":"But we just need to look at where the numbers really sit overall.","start":3525.555,"end":3528.4548,"sentiment":"neutral","sentiment_score":-0.12704206429995024}],"sentiment":"neutral","sentiment_score":0.13232075711902308,"num_words":98,"start":3502.9001,"end":3528.4548},{"sentences":[{"text":"I'm thinking a little bit more towards the probably no concessional contributions, but there may be some room where we could put a little bit in.","start":3528.76,"end":3537.08,"sentiment":"neutral","sentiment_score":-0.1449228757275985},{"text":"It'll just depend on where the numbers all kind of fall.","start":3537.08,"end":3539.74,"sentiment":"neutral","sentiment_score":-0.11276572807268663},{"text":"Yeah.","start":3542.775,"end":3543.095,"sentiment":"neutral","sentiment_score":0.17202094197273254},{"text":"Perfect.","start":3543.095,"end":3543.595,"sentiment":"positive","sentiment_score":0.37409183382987976},{"text":"Well, I'll I'll start getting cracking with this.","start":3543.735,"end":3545.9949,"sentiment":"neutral","sentiment_score":0.09156244806945324}],"sentiment":"neutral","sentiment_score":-0.07935756207146544,"num_words":47,"start":3528.76,"end":3545.9949},{"sentences":[{"text":"You'll have an email from me tomorrow just with a request for the the additional information that I've sort of sprinkled throughout this conversation.","start":3546.215,"end":3554.5198,"sentiment":"neutral","sentiment_score":0.06821716685468952},{"text":"And and I'll start start getting cracking with the research.","start":3556.3398,"end":3559.8599,"sentiment":"neutral","sentiment_score":0.0027600832283496855},{"text":"Alright?","start":3559.8599,"end":3560.3599,"sentiment":"neutral","sentiment_score":0.059563376009464264},{"text":"Correct.","start":3566.915,"end":3567.415,"sentiment":"neutral","sentiment_score":0.03915859758853912},{"text":"No.","start":3578.78,"end":3579.26,"sentiment":"neutral","sentiment_score":-0.08369848132133484}],"sentiment":"neutral","sentiment_score":0.0454009818668301,"num_words":37,"start":3546.215,"end":3579.26},{"sentences":[{"text":"Yeah.","start":3579.26,"end":3579.76,"sentiment":"neutral","sentiment_score":-0.04303579032421112},{"text":"So yeah.","start":3582.26,"end":3585.98,"sentiment":"neutral","sentiment_score":-0.03454473987221718},{"text":"Yeah.","start":3585.98,"end":3586.22,"sentiment":"neutral","sentiment_score":-0.007395950146019459},{"text":"That was with Jordan.","start":3586.22,"end":3587.34,"sentiment":"neutral","sentiment_score":0.0045828822767362},{"text":"So you originally you've spoken with two of my team.","start":3587.34,"end":3589.42,"sentiment":"neutral","sentiment_score":0.004786511929705739}],"sentiment":"neutral","sentiment_score":-0.002962476211703486,"num_words":18,"start":3579.26,"end":3589.42},{"sentences":[{"text":"You spoke you spoke with Maddie or Madison originally, and then and then you spoke with Jordan yesterday.","start":3589.42,"end":3598.0452,"sentiment":"neutral","sentiment_score":-0.00016159635399364762},{"text":"Yes.","start":3600.345,"end":3600.745,"sentiment":"neutral","sentiment_score":0.011362399905920029},{"text":"Yes.","start":3600.745,"end":3601.065,"sentiment":"neutral","sentiment_score":0.01452563889324665},{"text":"Yes.","start":3601.065,"end":3601.385,"sentiment":"neutral","sentiment_score":0.016561217606067657},{"text":"Yes.","start":3601.385,"end":3601.625,"sentiment":"neutral","sentiment_score":0.018978137522935867}],"sentiment":"neutral","sentiment_score":0.0026599390707402067,"num_words":22,"start":3589.42,"end":3601.625},{"sentences":[{"text":"You did speak with Kaden originally, didn't you?","start":3601.625,"end":3603.465,"sentiment":"neutral","sentiment_score":0.008586599200498313},{"text":"Yes.","start":3603.465,"end":3603.705,"sentiment":"neutral","sentiment_score":0.020545203238725666},{"text":"You spoke with Kaden, and he scheduled you in with Madison, and then you spoke with Jordan, and now you're speaking with me.","start":3603.705,"end":3609.51,"sentiment":"neutral","sentiment_score":0.02696710128499114},{"text":"Yes.","start":3620.655,"end":3621.055,"sentiment":"neutral","sentiment_score":0.006983202416449785},{"text":"Yeah.","start":3621.055,"end":3621.375,"sentiment":"neutral","sentiment_score":0.005405858159065247}],"sentiment":"neutral","sentiment_score":0.021231481969794807,"num_words":34,"start":3601.625,"end":3621.375},{"sentences":[{"text":"Yeah.","start":3621.375,"end":3621.615,"sentiment":"neutral","sentiment_score":0.012643877416849136},{"text":"Spoke with yeah.","start":3621.615,"end":3622.4949,"sentiment":"neutral","sentiment_score":0.005520157360782226},{"text":"Maddie Maddie on the seventeenth.","start":3622.4949,"end":3623.875,"sentiment":"neutral","sentiment_score":0.0033157243859022857},{"text":"And then well, Madison, but Maddie.","start":3624.1748,"end":3626.015,"sentiment":"neutral","sentiment_score":0.0008269814813199142},{"text":"Yep.","start":3626.015,"end":3626.415,"sentiment":"neutral","sentiment_score":0.007652557920664549}],"sentiment":"neutral","sentiment_score":0.0036498386398307048,"num_words":16,"start":3621.375,"end":3626.415},{"sentences":[{"text":"And then, yeah, Jordan Jordan yesterday, it's sort of about midday.","start":3626.415,"end":3631.555,"sentiment":"neutral","sentiment_score":-0.012482551349834963},{"text":"Yeah.","start":3633.49,"end":3633.99,"sentiment":"neutral","sentiment_score":0.01726463809609413},{"text":"I know.","start":3639.41,"end":3640.0698,"sentiment":"neutral","sentiment_score":-0.22851519286632538},{"text":"No.","start":3640.5298,"end":3641.0298,"sentiment":"neutral","sentiment_score":-0.2570206820964813},{"text":"So yeah.","start":3641.8098,"end":3642.2898,"sentiment":"neutral","sentiment_score":-0.17904885113239288}],"sentiment":"neutral","sentiment_score":-0.07012895275564755,"num_words":17,"start":3626.415,"end":3642.2898},{"sentences":[{"text":"So what what I'll do is I'll start getting everything together, and we can go from there, touch base.","start":3642.2898,"end":3646.95,"sentiment":"neutral","sentiment_score":0.006708982351579164},{"text":"No.","start":3649.235,"end":3649.5552,"sentiment":"neutral","sentiment_score":0.1692580282688141},{"text":"My pleasure, Pearl.","start":3649.5552,"end":3650.435,"sentiment":"positive","sentiment_score":0.374506672223409},{"text":"Absolutely.","start":3650.435,"end":3650.935,"sentiment":"neutral","sentiment_score":0.32831448316574097},{"text":"We'll speak soon.","start":3653.0752,"end":3654.135,"sentiment":"neutral","sentiment_score":0.08793776979049046}],"sentiment":"neutral","sentiment_score":0.07453246304282436,"num_words":27,"start":3642.2898,"end":3654.135},{"sentences":[{"text":"Bye.","start":3654.7551,"end":3655.2551,"sentiment":"neutral","sentiment_score":0.09456011652946472}],"sentiment":"neutral","sentiment_score":0.09456011652946472,"num_words":1,"start":3654.7551,"end":3655.2551}]}}]},{"alternatives":[{"transcript":"Hello? I'm well. Thank you so. Sure. Thank you. Sorry. I missed your name. Is it Lisa? Sorry. Larissa. Okay. And it's from Oakview. Okay. Alright. So thank you, Larissa. The reason I was wanting to come come have a conversation is about just having that, you know, financial plan ahead of retirement, have a goal and put things in place. Yeah. I also want to look at what options I have there. Like I said, goals, look at what options I have that are available to me, and also, yeah, the goals, options in terms of, you know, property shares and how to diversify. Yeah. Those are the key things and whatever else needs to that you would inform someone that needs to be sort of financially responsible and looking towards retirement in the few years. Yeah. Yeah. Well, I'm 51 at the moment. Yep. So retirement from would be paying from the gold how the gold a bit. Yeah. I mean, I could've said it today if if I had a Yes. Exactly. Yes. Simple. Yeah. SMS is self managed super funds, potentially. Yes. Whatever is the manage funds other than the SMS. It's just what you you would just financial advice. Yeah. So it doesn't have to be my own name. You mean future property that I purchased, you mean? Like, in future ones? I Yeah. Yeah. It doesn't have to be my name, and it doesn't have to be necessarily within SMSF. So I'm open to yeah. Probably not. Yeah. Once you have a view of it, maybe tell me if you maybe you might say buy one more in your name first or because I've got a a trust. I've got a company that I could I've created a trust that I could potentially buy the property in, but I haven't used it yet. So I'm sort of working my way towards my goal, but I just need some advice, I guess, in terms of, you know, how best to and the priority of those things as well, maybe. Yeah. Mhmm. Yes. Yes. Yes. Well, at the moment, one, ideally, multiple when and I mean, working for different doing different providing services to multiple is where I want to be. But at the moment, it's the one. Sorry, sir. Let me let me rephrase that. It's one at a time. Yeah. So, yeah, I'm not just stuck at the one one place, but I do once the contract finishes, I will then go to another place. But I would like to do multiple at a time if that's what the question was about. Usually. Yeah. Usually. Six to twelve months. Yeah. Yeah. Okay. So I'm not putting myself on a salary yet. I have to that's another thing. I have to structure that in a way that benefits me the most at the moment. It's just not structured yet because it's worth only, like, almost three years old now. So I'm still a little baby in that regard. So I I everything just goes into that company account, and I just do director drawings, and that's sort of classified as income for me. There's no sort of wages or salary that I pay Yeah. And so the super and on the back of that is the superannuation, like, concessional contributions. Yeah. So as a result, there's no regular. I just put in I I tried to max it out last financial year for my non concessional. So is it not yes. No. That's definitely not. Yeah. But I would like to also talk about not only maxing out, but, you know, advice around the nonconsensual part of it as well. Maxing that out. Oh, not maxing out, but adding additional on top of what is the concessional one. Yep. Okay. About the last twelve months, I'll have to check. Let me see. Maybe ballpark, let's say, not a lot of this financial year, but let's say around $80.90, they're about. And we only have two months or three months left here. So the previous year was way more, but last you so you mean last financial year or this one? Okay. Yeah. So yeah. So this one, yeah, around about 90, maybe. Yeah. 8 to 90. Yes. Yes. Last financial year was I think it was, like, $2.20, something like that. Yep. Yeah. Yeah. I didn't I didn't work for a couple of months this financial year. That's why. Yeah. Just time between the two. Yeah. No. I I intend to max out. And that's why I thought yeah. I intend to because I think the max is 30. I've not even added anything this year at all, so I plan to max out this year. Yep. Yes. Just give me one quick tick. I have removed some. So right now, I have this 59 let's see 60. Yep. 60 at the moment. Alright. This is just a company structure. The other one I was telling you about the trust is a different company altogether. Yeah. The one I was, yeah, intending for the property purchase. It's called let's call it RPL. Okay. It's RPL. Yes. RPL. Yeah. I can't remember right now. I've I've literally gone into it, like, once or twice since it was created almost ten months ago. You know? Trying to, you know, get into it, but then things just slowed down. So I was like, yeah. Mhmm. So that's in the company structure. It owns nothing, but I was wanting to actually start diverting the my salary into the into the trust. I was going to start it, so that's another thing too. But I don't know if I should wait till, you know, the end of this financial year and just start or just start putting the again, just for tax advantages, but I don't know if there's any advantage this year. Do you know what I mean? I don't just wanna put it there so they complicate and have to pay because at the end, I think the accountant, they charge you when they're dealing with another entity to do your tax refund. So, you know, I don't wanna pay $2,000, and I only have $20,000 a day sort of thing. Okay. So under the trash, what I would do is do some share. I would like to do some share straight in the property per property. You know? I don't know. Yeah. If I get a property, then I would like to put it through the draft. I have not yeah. Woah. Is he? I didn't know that. Hello? Yes. Yes. Mhmm. Yes. Yeah. Yeah. Okay. Even if I was gonna do shares with them, don't just transfer. Mhmm. Okay. Alright. Okay. So for the vehicle, no. My vehicle is pretty much just they're just going, taking me from a to b, so there's nothing more in there. So I wouldn't call that an asset. Then there's also oh, yeah. So for the account bid, I do have in the offset. So I do have money in the offset, and that is the 200. Yes. K. Yeah. On the k. Yeah. Yes. Yes. So, actually, to be complete, it's actually yes. It's original debt was 2, but I just took a loan because I'm trying to do, like, a a build behind the property. So that's why I'm just working with the the build amount. So the build amount is going to be around 3, actually. So yep. And then but I was gonna rent it and then get income from there. So it's gonna look different by the end of this year, by the time the bill is complete. Yes. But it's all it's I'm not paying anything. It's zero. Yeah. And then I have another savings that I'm gonna use towards that so that I'm not paying any interest until it's complete. Correct. Correct. Yeah. When it's finished, I will use so I've got another backup that I'm going to use for that build so that I'm not paying any interest until I absolutely have to. So, really, I have, like, 4 in savings, if you wanna put it that way. Yes. Correct. Correct. So no. No. It's it's a bit moved no. No. Sorry. The offset will remain. The loan building loan will remain. But then I'll use the spare second account that has the 2 k $4,200 k for the building. And then I'll pay myself once the building is complete. I'll pay myself back. I'll transfer from the bank loan into my account if I can. I think I can. Don't know. Can't I? Yes. Yes. Yes. No. They don't. I've I've got control of that. Sorry. Yep. Correct. How maybe I didn't explain correct. Yes. You're right. You're absolutely right. But in my case, I've taken it just as a a loan. It's not called a building loan. It's just a loan. Do you understand? So yes. So that's why I can book transfer at will. So yeah. That's why I was trying to explain. So what I have in this pay, I will use that to pay the builder, and then the what's in the loan. Once the building is almost complete, I'll transfer it into my one, then I can start repaying that loan. Sorry. I got there in the end. Yes. Yeah. Toulon. Correct. Yeah. Yep. Yes. On the yes. Yes. In the invest investment one. Yes. Yep. When you see income, you mean the rent? Okay. So it's it's 1,100 per week. At the moment, yes. It is the gross amount. The it's not being this one with the real estate at the moment. So yes. Yes. Shares, I got about seven k days. Not a lot, so I'm trying to grow that. Yeah. Yes. Personal. CMC. So it's it's it's personal. It's under my name. It's under any entity or yeah. Mhmm. No. No. No. No. I was just agreeing. Yeah. Yeah. Yeah. So so I'm very light. So oh my gosh. I had this amount. My my expenditure, I should have written this figure down because it keeps I don't do so my expenditure, I think I had was it five I have to double check. I let me let me quickly give you because if the math has been done, I don't want to start doing the math again. I did provide it to the person that did my lending. Let me see. Don't also give it a long ago. Can you ask me some other questions while I'm looking for that? I'm just on my email straight away. If there's other ones, I don't wanna hold up. But I do know that I give it to Yes. But I co parent. So so I received child support. So my second I mean, the seventeen year he'd be 18 at the end of this in October, so that's pretty much almost yeah. So but, yeah, I do receive some, yep, support. Do not find it. My name. No. Mhmm. Yes. Mhmm. Oh, yes. You mean to accumulate the to use the tax from previous years? I mean, that you mean to max out previous years? Okay. Yeah. Because, yeah, it was only 30. I've only been doing this maxing out on the last financial. Pre prior to that, everything I was pagey. I've only started this contracting thing in the last three years. So, yeah, it was PG prior to that. So it was just taken from my employer directly. Yep. No. No. It wasn't. Mhmm. So financial year 2223 was the last year I did with salary. Income was one I think it was $1.20 average. Yeah. Yeah. For many years. Yep. Right. It grew ninety, hundred, one ten. But yeah. So yeah. Because I was contracting, and that's why. Because yeah. Well, I didn't work for actually, I didn't work for, like, six months. So almost six months. So but here we are. And that's why I'm trying to get a positive cash flow as well. And yep. Yeah. Yep. I haven't found that information. I'm sorry. Let me see. Yeah. It's here. Mhmm. So it's not you know, like, I if I have employers. It's it's a consult like, you know what I mean? It's just this self contracting thing where I provide offer my services. Well, that's my trajectory because I've got another year's worth of contracts now. So let me do the math again. I think it's time 52. Bear with me. Some my trajectory. So this is before tax. Right? Yeah. Of course. Okay. Okay. So it should check through the it's 2 oh, how is that? It's 220. Let's see. 220. Mhmm. Okay. Yeah. Mhmm. Okay. Yeah. That's right. Because even with the, you know, with the income, you know, there's this quote seventy, thirty, 20 rule or something like that. So I wanted to start just doing the, you know, the shares and just putting everything on auto so that I can transfer and get the shades bought every every week and things like that. But I guess I wanted to have a plan first before doing that, and it's been on my mind now for three years, simply. So I don't have any structure in place, which is, yeah, killing me. Yeah. I was not I'm not a big fan of well, once this is all done, then my head space will be in a different place, I guess. Then I'll be like, alright. Let me review my goals. But I definitely yeah. That's another thing to buying a car. Like, is it in the company name? I don't wanna buy one. It has to be, like, sort of an, you know, the account, and they said they have some strict rules around putting the car, buying the car in the company anymore. Just buying the car and paying from the company account, I guess. So I'd like to do that, but there's not a lot there this financial year anyway at this moment. So it will have to be in the next financial year. I definitely want to do that to get something. Yeah. Yes. Because well, my son's eight and eight and so and so much. He might get my old one. I'm whispering because he's home. Yeah. Yeah. That's definitely one. Yep. I guess traveling. But, again, these are these things are falling place, but it's definitely a goal. It's not yeah. I just want to do the work now and then yep. But then put money aside, I guess, for the just have that structure for that. Okay. I can separate all the the account for the different things, which I'm not doing right now. I'm just holding because this construction build is been sitting on top of my head now for the past eight months, I have not sort of been able to look outside of that. Yeah. So, I mean, it it doesn't make sense that I've got such a lot amount in a in a in a high yield account. Like, it's not doing the money's not working. But I don't wanna put it somewhere else where it's get been tied, and I can't pull it out easily. Yeah. Yes. Exactly. Exactly. Yep. Mhmm. Mhmm. Yeah. And the reason I'm holding off is because I'm trying to you know, whatever deposit now, I I can't touch any of the things because of the the build. Like, if if I got an investment property now, it means some of that deposit or the money savings, which I've put aside for the build will dwindle, will reduce. And I don't want to touch the loan because the repayment once it kicks in, I want somebody to be painting the property so that they can cover that. Yeah. Correct. And once that's in place, that means I'll release money in the offset and the money in the savings, and I can do more. Yeah. Oh, no. I don't. But but it's going to be probably more because it's what? It's one point. Actually, it's probably more now because it it you know, because I don't are you you're on the go cost. Correct? Yeah. It it increases every every week. The go cost is crazy. I see. Just stay now. It's one point. Sorry. It doesn't have a lot of rent on there because it's it's it's only a small place. But hang on. Oh, yeah. It's in domain. It is. Oh, okay. Medium confidence. One point six one point six six three. K. It's higher than than I thought. I think 1.5 was from last year. I didn't I'm bad with figures. Sad to say. Yeah. Yeah. No. No. It's it's. No. It's not. It's not done. Yep. It's a. When I asked, they said it can rent for $8.50 comfortably. That's what it is gonna be, like, a up to one study, but they said they can it's big enough for bedroom. So, yeah, it's yeah. It's that's what they've projected or asked, but I haven't asked what the value of the property will be after it's completed because yeah. I don't know if anyone's gonna take it seriously since there's actually a building there. Yep. Mhmm. Mhmm. I hear you. Yes. Mhmm. Got you. Yes. It's not what it is. That's why they put medium? Is that why they put medium and high confidence? Mhmm. I got you. Okay. Okay. So who would like, a real estate agent would know, though? Wouldn't wouldn't they? Yeah. Mhmm. Who's gonna harass me to to rent it? You mean? Got you. Yes. They won't bother me. Yes. Okay. Hopefully. Yes. Yes. That's exactly right. Leave me alone already. Oh, no. They know everything. Oh my gosh. I also have another daughter. That's her boyfriend. And then actually, I have a daughter first. I have a three. I have three. The other one, she's almost pointing out. So yes. It is. Mhmm. Yeah. No. Exactly. Exactly. They they absolutely do. I am. Mhmm. Mhmm. Okay. Oh, yeah. Yep. Potentially, no. Because I just set up a, you know, life insurance there. But I can give you that because it's yeah. It's just yep. It's just all those, like, just tile. I'm with tile. And there's a life insurance there, a TPD, I think it's called, and, yeah, life insurance. I've got that there. And I think I have made those are things that I probably need to change days, the beneficiary. I don't think I have to double check that out. I don't think I've made it the trust yet. I might have just left it. I think they said I think I might have just left it in the kitchen, but I think I wanna move that to a trust. I'm also looking at I don't know. Do you do things like wheels and things like that too? Okay. Okay. Yes. Yeah. I can't remember now. Yeah. When I did it about a almost a year ago, they said I think it's I don't think I'd had to trust them set up, but I think they said if I write I have to go and double check it again. I was just gonna just to make to check what I have there now because I think I've just put in and split it by the percentages to the beneficiaries. I think that's what I've done. Okay. That's something I have to check. But, yeah, I'm open to for for that to to have a look at that. I just thought I'd mention that I because it it other recently done that. So but, yeah, I I had a health insurance as well, which I I canceled because it was just taking too much of my money, and I'm not sick. Think I found the form I was looking for when you asked about my weekly yeah. I found the form I filled for my I have to I have to start favorite bookmark this so that I can find it every time. Yeah. Okay. Not a problem. Mhmm. Mhmm. Okay. K. Mhmm. Mhmm. Okay. Yeah. Another thing to our free will be so that investment property was not rented for many months because it had some structural problems, which is now fixed. It's now rented back. So for this financial year, there's the I probably spent about $60 on there or more with all the repayments, like, you know, the the mortgage and everything. I didn't put it on hold. So this year, this financial year that we're in now, is this the best year to withhold my income in my company name, or should I pay myself everything so that I can get the tax benefit? Yeah. Because if I don't pay say say, as you mean, I've only I think I've only just transferred at the most maybe $20. I'll double check from my company account this financial year to myself. And if if I you know, if if that's taken as my income from a tax taxable income, like, say, $20 and I've spent, say, 100,000 on fixing, there's no tax advantage there from a tax perspective, is there, this year? Like, for the property, all all the things I've spent on the property or the amount. Fourteen months. Fourteen months. Yeah. No. Since March. Since March 2025. So I see what you mean. Just last week. Yep. So there's been a lot of financial dent on me. So yeah. Yeah. Yeah. Since March 2020 '25. Twelve months on from a financial year perspective, that's one, two, three. Yeah. Got you. Yeah. Yeah. So ten months is financial year. Correct. Yeah. Exactly. Mhmm. Yeah. Exactly. Exactly. No. Is that yeah. Yep. Mhmm. Yep. Yeah. Oh, sorry. I should have said this. You know how I told you that I spent 60 on the property. Right? So I've I've taken a lot of that money from oh, yeah. So the the some insurance did pay some money for some tenant damage. Tenant damage the property as well as structural damage. So that's why I still have up to 60 in the account even though I've spent 60 because I've used some of that money, do you know what I mean, from the insurance to fix all that. Yeah. So roughly 60 overall. Insurance paid about 30, half half of it. Yep. For them. Yeah. Yeah. They're about I think it's more. I'm I'm just giving you ballpark. I'm not actually sat down because it was too depressing for me to start looking every day into the money part of it. I'm like, you know what? I just wanna get this ten months, so I didn't really go into it. That's the only way I could just not be bogged down in the money side of things. So, yeah, so there is insurance my roof insurance got paid, which I've also dipped into. So I'm really not neglect kind of thing. So I have to pay my roof insurance because those people are now dragging me. They want to fix the roof. So I have to withdraw money from my income, which I use for the property to fix. So, yeah, you're right there. It's gonna be about yeah. Update. That's why I was saying it's probably not the best year to keep the money in the business to pay myself, pay it out, and then it will be seen as taxable income, which the when the ATO looks at it, then they can say, oh, okay. Well, expenditure. Exactly. Exactly. Okay. Do you do you yes and no. Be because I was hasn't I haven't worked in six months. I almost six months in this financial year. I've been thinking about changing my accountants because I've not done my past as a result. So I've spoken to the agent and said, look. I've not done my past because I have not, you know, worked. So when they send me all those letters so do you have an accountant? Do you have accountants with your in your practice or just mhmm. Okay. Alright. Oh, okay. Mhmm. Yep. Yep. Yep. Alright. I'm definitely yeah. Have a look at that because I'm I have to get my act together now for the end of this financial year. But then I thought, let me just find out, you know, what I need to do because, obviously, a strategy is good to have a strategy. It's just not the money being paid for how am I trying to maximize my strategy in this kind of shade that I've spent a lot on renovating, you know, an investment property. And I haven't earned as much as I would have liked to. But yep. Yeah. And if if I should do concessional as well, you know, like, it's it's should I should how much should I put max out my concessional this year or not max it out to okay. Yeah. So that I'm not on the edge financially. Yeah. So that yeah. So what you mean? For this two year. Yeah. Yeah. Okay. Yeah. Mhmm. Mhmm. Mhmm. Okay. Alright. Okay. So just to confirm, this is Oakview Financial? Okay. Because I don't Jordan, you said rang me yesterday. Oh, maybe I didn't write down. Because I write down everything. I must have scribbled down on another page. Oh, good. I know I was asked about my super like, no. I already have something set up. Some I think I had that conversation. Oh, yeah. There we go. Yesterday. Yes. What of Caden? Is Caden there as well? Yes. Ah, yes. I don't recall Jordan. Maybe that's why I'm sounding confused, but that's fine. I recall Caden and I recall Martin on the seventeenth it was. Yeah. But I spoke with her. Martin. Yes. Yeah. Okay. Yes. Ah, okay. That's why. Excellent. Just to keep me confused even more. Okay. Thank you so much for your call. Alrighty. Have some. Alright. 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I'm well. Thank you so. Sure. Thank you.\n\nSorry. I missed your name. Is it Lisa? Sorry. Larissa.\n\nOkay. And it's from Oakview. Okay. Alright. So thank you, Larissa.\n\nThe reason I was wanting to come come have a conversation is about just having that, you know, financial plan ahead of retirement, have a goal and put things in place. Yeah. I also want to look at what options I have there. Like I said, goals, look at what options I have that are available to me, and also, yeah, the goals, options in terms of, you know, property shares and how to diversify. Yeah.\n\nThose are the key things and whatever else needs to that you would inform someone that needs to be sort of financially responsible and looking towards retirement in the few years. Yeah. Yeah. Well, I'm 51 at the moment. Yep.\n\nSo retirement from would be paying from the gold how the gold a bit. Yeah. I mean, I could've said it today if if I had a Yes. Exactly. Yes.\n\nSimple. Yeah. SMS is self managed super funds, potentially. Yes. Whatever is the manage funds other than the SMS.\n\nIt's just what you you would just financial advice. Yeah. So it doesn't have to be my own name. You mean future property that I purchased, you mean? Like, in future ones?\n\nI Yeah. Yeah. It doesn't have to be my name, and it doesn't have to be necessarily within SMSF. So I'm open to yeah. Probably not.\n\nYeah. Once you have a view of it, maybe tell me if you maybe you might say buy one more in your name first or because I've got a a trust. I've got a company that I could I've created a trust that I could potentially buy the property in, but I haven't used it yet. So I'm sort of working my way towards my goal, but I just need some advice, I guess, in terms of, you know, how best to and the priority of those things as well, maybe. Yeah.\n\nMhmm. Yes. Yes. Yes. Well, at the moment, one, ideally, multiple when and I mean, working for different doing different providing services to multiple is where I want to be.\n\nBut at the moment, it's the one. Sorry, sir. Let me let me rephrase that. It's one at a time. Yeah.\n\nSo, yeah, I'm not just stuck at the one one place, but I do once the contract finishes, I will then go to another place. But I would like to do multiple at a time if that's what the question was about. Usually. Yeah. Usually.\n\nSix to twelve months. Yeah. Yeah. Okay. So I'm not putting myself on a salary yet.\n\nI have to that's another thing. I have to structure that in a way that benefits me the most at the moment. It's just not structured yet because it's worth only, like, almost three years old now. So I'm still a little baby in that regard. So I I everything just goes into that company account, and I just do director drawings, and that's sort of classified as income for me.\n\nThere's no sort of wages or salary that I pay Yeah. And so the super and on the back of that is the superannuation, like, concessional contributions. Yeah. So as a result, there's no regular. I just put in I I tried to max it out last financial year for my non concessional.\n\nSo is it not yes. No. That's definitely not. Yeah. But I would like to also talk about not only maxing out, but, you know, advice around the nonconsensual part of it as well.\n\nMaxing that out. Oh, not maxing out, but adding additional on top of what is the concessional one. Yep. Okay. About the last twelve months, I'll have to check.\n\nLet me see. Maybe ballpark, let's say, not a lot of this financial year, but let's say around $80.90, they're about. And we only have two months or three months left here. So the previous year was way more, but last you so you mean last financial year or this one? Okay.\n\nYeah. So yeah. So this one, yeah, around about 90, maybe. Yeah. 8 to 90.\n\nYes. Yes. Last financial year was I think it was, like, $2.20, something like that. Yep. Yeah.\n\nYeah. I didn't I didn't work for a couple of months this financial year. That's why. Yeah. Just time between the two.\n\nYeah. No. I I intend to max out. And that's why I thought yeah. I intend to because I think the max is 30.\n\nI've not even added anything this year at all, so I plan to max out this year. Yep. Yes. Just give me one quick tick. I have removed some.\n\nSo right now, I have this 59 let's see 60. Yep. 60 at the moment. Alright. This is just a company structure.\n\nThe other one I was telling you about the trust is a different company altogether. Yeah. The one I was, yeah, intending for the property purchase. It's called let's call it RPL. Okay.\n\nIt's RPL. Yes. RPL. Yeah. I can't remember right now.\n\nI've I've literally gone into it, like, once or twice since it was created almost ten months ago. You know? Trying to, you know, get into it, but then things just slowed down. So I was like, yeah. Mhmm.\n\nSo that's in the company structure. It owns nothing, but I was wanting to actually start diverting the my salary into the into the trust. I was going to start it, so that's another thing too. But I don't know if I should wait till, you know, the end of this financial year and just start or just start putting the again, just for tax advantages, but I don't know if there's any advantage this year. Do you know what I mean?\n\nI don't just wanna put it there so they complicate and have to pay because at the end, I think the accountant, they charge you when they're dealing with another entity to do your tax refund. So, you know, I don't wanna pay $2,000, and I only have $20,000 a day sort of thing. Okay. So under the trash, what I would do is do some share. I would like to do some share straight in the property per property.\n\nYou know? I don't know. Yeah. If I get a property, then I would like to put it through the draft. I have not yeah.\n\nWoah. Is he? I didn't know that. Hello? Yes.\n\nYes. Mhmm. Yes. Yeah. Yeah.\n\nOkay. Even if I was gonna do shares with them, don't just transfer. Mhmm. Okay. Alright.\n\nOkay. So for the vehicle, no. My vehicle is pretty much just they're just going, taking me from a to b, so there's nothing more in there. So I wouldn't call that an asset. Then there's also oh, yeah.\n\nSo for the account bid, I do have in the offset. So I do have money in the offset, and that is the 200. Yes. K. Yeah.\n\nOn the k. Yeah. Yes. Yes. So, actually, to be complete, it's actually yes.\n\nIt's original debt was 2, but I just took a loan because I'm trying to do, like, a a build behind the property. So that's why I'm just working with the the build amount. So the build amount is going to be around 3, actually. So yep. And then but I was gonna rent it and then get income from there.\n\nSo it's gonna look different by the end of this year, by the time the bill is complete. Yes. But it's all it's I'm not paying anything. It's zero. Yeah.\n\nAnd then I have another savings that I'm gonna use towards that so that I'm not paying any interest until it's complete. Correct. Correct. Yeah. When it's finished, I will use so I've got another backup that I'm going to use for that build so that I'm not paying any interest until I absolutely have to.\n\nSo, really, I have, like, 4 in savings, if you wanna put it that way. Yes. Correct. Correct. So no.\n\nNo. It's it's a bit moved no. No. Sorry. The offset will remain.\n\nThe loan building loan will remain. But then I'll use the spare second account that has the 2 k $4,200 k for the building. And then I'll pay myself once the building is complete. I'll pay myself back. I'll transfer from the bank loan into my account if I can.\n\nI think I can. Don't know. Can't I? Yes. Yes.\n\nYes. No. They don't. I've I've got control of that. Sorry.\n\nYep. Correct. How maybe I didn't explain correct. Yes. You're right.\n\nYou're absolutely right. But in my case, I've taken it just as a a loan. It's not called a building loan. It's just a loan. Do you understand?\n\nSo yes. So that's why I can book transfer at will. So yeah. That's why I was trying to explain. So what I have in this pay, I will use that to pay the builder, and then the what's in the loan.\n\nOnce the building is almost complete, I'll transfer it into my one, then I can start repaying that loan. Sorry. I got there in the end. Yes. Yeah.\n\nToulon. Correct. Yeah. Yep. Yes.\n\nOn the yes. Yes. In the invest investment one. Yes. Yep.\n\nWhen you see income, you mean the rent? Okay. So it's it's 1,100 per week. At the moment, yes. It is the gross amount.\n\nThe it's not being this one with the real estate at the moment. So yes. Yes. Shares, I got about seven k days. Not a lot, so I'm trying to grow that.\n\nYeah. Yes. Personal. CMC. So it's it's it's personal.\n\nIt's under my name. It's under any entity or yeah. Mhmm. No. No.\n\nNo. No. I was just agreeing. Yeah. Yeah.\n\nYeah. So so I'm very light. So oh my gosh. I had this amount. My my expenditure, I should have written this figure down because it keeps I don't do so my expenditure, I think I had was it five I have to double check.\n\nI let me let me quickly give you because if the math has been done, I don't want to start doing the math again. I did provide it to the person that did my lending. Let me see. Don't also give it a long ago. Can you ask me some other questions while I'm looking for that?\n\nI'm just on my email straight away. If there's other ones, I don't wanna hold up. But I do know that I give it to Yes. But I co parent. So so I received child support.\n\nSo my second I mean, the seventeen year he'd be 18 at the end of this in October, so that's pretty much almost yeah. So but, yeah, I do receive some, yep, support. Do not find it. My name. No.\n\nMhmm. Yes. Mhmm. Oh, yes. You mean to accumulate the to use the tax from previous years?\n\nI mean, that you mean to max out previous years? Okay. Yeah. Because, yeah, it was only 30. I've only been doing this maxing out on the last financial.\n\nPre prior to that, everything I was pagey. I've only started this contracting thing in the last three years. So, yeah, it was PG prior to that. So it was just taken from my employer directly. Yep.\n\nNo. No. It wasn't. Mhmm. So financial year 2223 was the last year I did with salary.\n\nIncome was one I think it was $1.20 average. Yeah. Yeah. For many years. Yep.\n\nRight. It grew ninety, hundred, one ten. But yeah. So yeah. Because I was contracting, and that's why.\n\nBecause yeah. Well, I didn't work for actually, I didn't work for, like, six months. So almost six months. So but here we are. And that's why I'm trying to get a positive cash flow as well.\n\nAnd yep. Yeah. Yep. I haven't found that information. I'm sorry.\n\nLet me see. Yeah. It's here. Mhmm. So it's not you know, like, I if I have employers.\n\nIt's it's a consult like, you know what I mean? It's just this self contracting thing where I provide offer my services. Well, that's my trajectory because I've got another year's worth of contracts now. So let me do the math again. I think it's time 52.\n\nBear with me. Some my trajectory. So this is before tax. Right? Yeah.\n\nOf course. Okay. Okay. So it should check through the it's 2 oh, how is that? It's 220.\n\nLet's see. 220. Mhmm. Okay. Yeah.\n\nMhmm. Okay. Yeah. That's right. Because even with the, you know, with the income, you know, there's this quote seventy, thirty, 20 rule or something like that.\n\nSo I wanted to start just doing the, you know, the shares and just putting everything on auto so that I can transfer and get the shades bought every every week and things like that. But I guess I wanted to have a plan first before doing that, and it's been on my mind now for three years, simply. So I don't have any structure in place, which is, yeah, killing me. Yeah. I was not I'm not a big fan of well, once this is all done, then my head space will be in a different place, I guess.\n\nThen I'll be like, alright. Let me review my goals. But I definitely yeah. That's another thing to buying a car. Like, is it in the company name?\n\nI don't wanna buy one. It has to be, like, sort of an, you know, the account, and they said they have some strict rules around putting the car, buying the car in the company anymore. Just buying the car and paying from the company account, I guess. So I'd like to do that, but there's not a lot there this financial year anyway at this moment. So it will have to be in the next financial year.\n\nI definitely want to do that to get something. Yeah. Yes. Because well, my son's eight and eight and so and so much. He might get my old one.\n\nI'm whispering because he's home. Yeah. Yeah. That's definitely one. Yep.\n\nI guess traveling. But, again, these are these things are falling place, but it's definitely a goal. It's not yeah. I just want to do the work now and then yep. But then put money aside, I guess, for the just have that structure for that.\n\nOkay. I can separate all the the account for the different things, which I'm not doing right now. I'm just holding because this construction build is been sitting on top of my head now for the past eight months, I have not sort of been able to look outside of that. Yeah. So, I mean, it it doesn't make sense that I've got such a lot amount in a in a in a high yield account.\n\nLike, it's not doing the money's not working. But I don't wanna put it somewhere else where it's get been tied, and I can't pull it out easily. Yeah. Yes. Exactly.\n\nExactly. Yep. Mhmm. Mhmm. Yeah.\n\nAnd the reason I'm holding off is because I'm trying to you know, whatever deposit now, I I can't touch any of the things because of the the build. Like, if if I got an investment property now, it means some of that deposit or the money savings, which I've put aside for the build will dwindle, will reduce. And I don't want to touch the loan because the repayment once it kicks in, I want somebody to be painting the property so that they can cover that. Yeah. Correct.\n\nAnd once that's in place, that means I'll release money in the offset and the money in the savings, and I can do more. Yeah. Oh, no. I don't. But but it's going to be probably more because it's what?\n\nIt's one point. Actually, it's probably more now because it it you know, because I don't are you you're on the go cost. Correct? Yeah. It it increases every every week.\n\nThe go cost is crazy. I see. Just stay now. It's one point. Sorry.\n\nIt doesn't have a lot of rent on there because it's it's it's only a small place. But hang on. Oh, yeah. It's in domain. It is.\n\nOh, okay. Medium confidence. One point six one point six six three. K. It's higher than than I thought.\n\nI think 1.5 was from last year. I didn't I'm bad with figures. Sad to say. Yeah. Yeah.\n\nNo. No. It's it's. No. It's not.\n\nIt's not done. Yep. It's a. When I asked, they said it can rent for $8.50 comfortably. That's what it is gonna be, like, a up to one study, but they said they can it's big enough for bedroom.\n\nSo, yeah, it's yeah. It's that's what they've projected or asked, but I haven't asked what the value of the property will be after it's completed because yeah. I don't know if anyone's gonna take it seriously since there's actually a building there. Yep. Mhmm.\n\nMhmm. I hear you. Yes. Mhmm. Got you.\n\nYes. It's not what it is. That's why they put medium? Is that why they put medium and high confidence? Mhmm.\n\nI got you. Okay. Okay. So who would like, a real estate agent would know, though? Wouldn't wouldn't they?\n\nYeah. Mhmm. Who's gonna harass me to to rent it? You mean? Got you.\n\nYes. They won't bother me. Yes. Okay. Hopefully.\n\nYes. Yes. That's exactly right. Leave me alone already. Oh, no.\n\nThey know everything. Oh my gosh. I also have another daughter. That's her boyfriend. And then actually, I have a daughter first.\n\nI have a three. I have three. The other one, she's almost pointing out. So yes. It is.\n\nMhmm. Yeah. No. Exactly. Exactly.\n\nThey they absolutely do. I am. Mhmm. Mhmm. Okay.\n\nOh, yeah. Yep. Potentially, no. Because I just set up a, you know, life insurance there. But I can give you that because it's yeah.\n\nIt's just yep. It's just all those, like, just tile. I'm with tile. And there's a life insurance there, a TPD, I think it's called, and, yeah, life insurance. I've got that there.\n\nAnd I think I have made those are things that I probably need to change days, the beneficiary. I don't think I have to double check that out. I don't think I've made it the trust yet. I might have just left it. I think they said I think I might have just left it in the kitchen, but I think I wanna move that to a trust.\n\nI'm also looking at I don't know. Do you do things like wheels and things like that too? Okay. Okay. Yes.\n\nYeah. I can't remember now. Yeah. When I did it about a almost a year ago, they said I think it's I don't think I'd had to trust them set up, but I think they said if I write I have to go and double check it again. I was just gonna just to make to check what I have there now because I think I've just put in and split it by the percentages to the beneficiaries.\n\nI think that's what I've done. Okay. That's something I have to check. But, yeah, I'm open to for for that to to have a look at that. I just thought I'd mention that I because it it other recently done that.\n\nSo but, yeah, I I had a health insurance as well, which I I canceled because it was just taking too much of my money, and I'm not sick. Think I found the form I was looking for when you asked about my weekly yeah. I found the form I filled for my I have to I have to start favorite bookmark this so that I can find it every time. Yeah. Okay.\n\nNot a problem. Mhmm. Mhmm. Okay. K.\n\nMhmm. Mhmm. Okay. Yeah. Another thing to our free will be so that investment property was not rented for many months because it had some structural problems, which is now fixed.\n\nIt's now rented back. So for this financial year, there's the I probably spent about $60 on there or more with all the repayments, like, you know, the the mortgage and everything. I didn't put it on hold. So this year, this financial year that we're in now, is this the best year to withhold my income in my company name, or should I pay myself everything so that I can get the tax benefit? Yeah.\n\nBecause if I don't pay say say, as you mean, I've only I think I've only just transferred at the most maybe $20. I'll double check from my company account this financial year to myself. And if if I you know, if if that's taken as my income from a tax taxable income, like, say, $20 and I've spent, say, 100,000 on fixing, there's no tax advantage there from a tax perspective, is there, this year? Like, for the property, all all the things I've spent on the property or the amount. Fourteen months.\n\nFourteen months. Yeah. No. Since March. Since March 2025.\n\nSo I see what you mean. Just last week. Yep. So there's been a lot of financial dent on me. So yeah.\n\nYeah. Yeah. Since March 2020 '25. Twelve months on from a financial year perspective, that's one, two, three. Yeah.\n\nGot you. Yeah. Yeah. So ten months is financial year. Correct.\n\nYeah. Exactly. Mhmm. Yeah. Exactly.\n\nExactly. No. Is that yeah. Yep. Mhmm.\n\nYep. Yeah. Oh, sorry. I should have said this. You know how I told you that I spent 60 on the property.\n\nRight? So I've I've taken a lot of that money from oh, yeah. So the the some insurance did pay some money for some tenant damage. Tenant damage the property as well as structural damage. So that's why I still have up to 60 in the account even though I've spent 60 because I've used some of that money, do you know what I mean, from the insurance to fix all that.\n\nYeah. So roughly 60 overall. Insurance paid about 30, half half of it. Yep. For them.\n\nYeah. Yeah. They're about I think it's more. I'm I'm just giving you ballpark. I'm not actually sat down because it was too depressing for me to start looking every day into the money part of it.\n\nI'm like, you know what? I just wanna get this ten months, so I didn't really go into it. That's the only way I could just not be bogged down in the money side of things. So, yeah, so there is insurance my roof insurance got paid, which I've also dipped into. So I'm really not neglect kind of thing.\n\nSo I have to pay my roof insurance because those people are now dragging me. They want to fix the roof. So I have to withdraw money from my income, which I use for the property to fix. So, yeah, you're right there. It's gonna be about yeah.\n\nUpdate. That's why I was saying it's probably not the best year to keep the money in the business to pay myself, pay it out, and then it will be seen as taxable income, which the when the ATO looks at it, then they can say, oh, okay. Well, expenditure. Exactly. Exactly.\n\nOkay. Do you do you yes and no. Be because I was hasn't I haven't worked in six months. I almost six months in this financial year. I've been thinking about changing my accountants because I've not done my past as a result.\n\nSo I've spoken to the agent and said, look. I've not done my past because I have not, you know, worked. So when they send me all those letters so do you have an accountant? Do you have accountants with your in your practice or just mhmm. Okay.\n\nAlright. Oh, okay. Mhmm. Yep. Yep.\n\nYep. Alright. I'm definitely yeah. Have a look at that because I'm I have to get my act together now for the end of this financial year. But then I thought, let me just find out, you know, what I need to do because, obviously, a strategy is good to have a strategy.\n\nIt's just not the money being paid for how am I trying to maximize my strategy in this kind of shade that I've spent a lot on renovating, you know, an investment property. And I haven't earned as much as I would have liked to. But yep. Yeah. And if if I should do concessional as well, you know, like, it's it's should I should how much should I put max out my concessional this year or not max it out to okay.\n\nYeah. So that I'm not on the edge financially. Yeah. So that yeah. So what you mean?\n\nFor this two year. Yeah. Yeah. Okay. Yeah.\n\nMhmm. Mhmm. Mhmm. Okay. Alright.\n\nOkay. So just to confirm, this is Oakview Financial? Okay. Because I don't Jordan, you said rang me yesterday. Oh, maybe I didn't write down.\n\nBecause I write down everything. I must have scribbled down on another page. Oh, good. I know I was asked about my super like, no. I already have something set up.\n\nSome I think I had that conversation. Oh, yeah. There we go. Yesterday. Yes.\n\nWhat of Caden? Is Caden there as well? Yes. Ah, yes. I don't recall Jordan.\n\nMaybe that's why I'm sounding confused, but that's fine. I recall Caden and I recall Martin on the seventeenth it was. Yeah. But I spoke with her. Martin.\n\nYes. Yeah. Okay. Yes. Ah, okay.\n\nThat's why. Excellent. Just to keep me confused even more. Okay. Thank you so much for your call.\n\nAlrighty. Have some. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.024244774132966995},{"text":"I'm well.","start":10.559999,"end":10.96,"sentiment":"positive","sentiment_score":0.4772721827030182},{"text":"Thank you so.","start":10.96,"end":11.86,"sentiment":"positive","sentiment_score":0.7444417476654053},{"text":"Sure.","start":51.245,"end":51.565,"sentiment":"neutral","sentiment_score":0.13475927710533142},{"text":"Thank you.","start":51.565,"end":52.045,"sentiment":"neutral","sentiment_score":0.2070237249135971}],"sentiment":"positive","sentiment_score":0.4178801232741939,"num_words":9,"start":0.0,"end":52.045},{"sentences":[{"text":"Sorry.","start":52.045,"end":52.285,"sentiment":"neutral","sentiment_score":0.005079209804534912},{"text":"I missed your name.","start":52.285,"end":52.925,"sentiment":"neutral","sentiment_score":-0.039473248180001974},{"text":"Is it Lisa?","start":52.925,"end":53.665,"sentiment":"neutral","sentiment_score":-0.006584266511102517},{"text":"Sorry.","start":55.325,"end":55.645,"sentiment":"neutral","sentiment_score":-0.016071859747171402},{"text":"Larissa.","start":55.645,"end":56.145,"sentiment":"neutral","sentiment_score":0.009142384864389896}],"sentiment":"neutral","sentiment_score":-0.017949605733156203,"num_words":10,"start":52.045,"end":56.145},{"sentences":[{"text":"Okay.","start":57.45,"end":57.95,"sentiment":"neutral","sentiment_score":0.04953060299158096},{"text":"And it's from Oakview.","start":58.170002,"end":59.390003,"sentiment":"neutral","sentiment_score":0.03947197645902634},{"text":"Okay.","start":61.050003,"end":61.550003,"sentiment":"neutral","sentiment_score":0.059694211930036545},{"text":"Alright.","start":62.730003,"end":63.230003,"sentiment":"neutral","sentiment_score":0.17239773273468018},{"text":"So thank you, Larissa.","start":63.61,"end":65.31,"sentiment":"positive","sentiment_score":0.39011967182159424}],"sentiment":"neutral","sentiment_score":0.18181719461625273,"num_words":11,"start":57.45,"end":65.31},{"sentences":[{"text":"The reason I was wanting to come come have a conversation is about just having that, you know, financial plan ahead of retirement, have a goal and put things in place.","start":65.37,"end":79.195,"sentiment":"neutral","sentiment_score":0.23239902430965054},{"text":"Yeah.","start":80.774994,"end":81.174995,"sentiment":"neutral","sentiment_score":0.09572628140449524},{"text":"I also want to look at what options I have there.","start":81.174995,"end":85.015,"sentiment":"neutral","sentiment_score":0.08322020078247244},{"text":"Like I said, goals, look at what options I have that are available to me, and also, yeah, the goals, options in terms of, you know, property shares and how to diversify.","start":85.015,"end":98.12,"sentiment":"neutral","sentiment_score":0.10636992240324616},{"text":"Yeah.","start":100.185,"end":100.685,"sentiment":"neutral","sentiment_score":0.0636385977268219}],"sentiment":"neutral","sentiment_score":0.1537236099768626,"num_words":76,"start":65.37,"end":100.685},{"sentences":[{"text":"Those are the key things and whatever else needs to that you would inform someone that needs to be sort of financially responsible and looking towards retirement in the few years.","start":101.145,"end":114.270004,"sentiment":"neutral","sentiment_score":0.1100825876478226},{"text":"Yeah.","start":114.270004,"end":114.770004,"sentiment":"neutral","sentiment_score":0.09801695495843887},{"text":"Yeah.","start":121.79,"end":122.11,"sentiment":"neutral","sentiment_score":0.0022349609062075615},{"text":"Well, I'm 51 at the moment.","start":122.11,"end":124.05,"sentiment":"neutral","sentiment_score":0.007819443242624402},{"text":"Yep.","start":125.31,"end":125.81,"sentiment":"neutral","sentiment_score":0.01809573918581009}],"sentiment":"neutral","sentiment_score":0.08944561328971759,"num_words":40,"start":101.145,"end":125.81},{"sentences":[{"text":"So retirement from would be paying from the gold how the gold a bit.","start":126.03,"end":130.69499,"sentiment":"neutral","sentiment_score":-0.006873498271618571},{"text":"Yeah.","start":136.995,"end":137.495,"sentiment":"neutral","sentiment_score":-0.0390588641166687},{"text":"I mean, I could've said it today if if I had a Yes.","start":137.555,"end":146.31,"sentiment":"neutral","sentiment_score":-0.0713169348354523},{"text":"Exactly.","start":146.37,"end":146.87,"sentiment":"neutral","sentiment_score":0.1905444711446762},{"text":"Yes.","start":153.97,"end":154.455,"sentiment":"neutral","sentiment_score":0.13112938404083252}],"sentiment":"neutral","sentiment_score":-0.024691137919823327,"num_words":30,"start":126.03,"end":154.455},{"sentences":[{"text":"Simple.","start":154.77501,"end":155.27501,"sentiment":"neutral","sentiment_score":0.16728945076465607},{"text":"Yeah.","start":156.375,"end":156.855,"sentiment":"neutral","sentiment_score":0.08029870688915253},{"text":"SMS is self managed super funds, potentially.","start":156.855,"end":160.715,"sentiment":"neutral","sentiment_score":0.119193648653371},{"text":"Yes.","start":160.935,"end":161.435,"sentiment":"neutral","sentiment_score":0.06908376514911652},{"text":"Whatever is the manage funds other than the SMS.","start":161.655,"end":165.335,"sentiment":"neutral","sentiment_score":0.05567853483888838}],"sentiment":"neutral","sentiment_score":0.08695443562771145,"num_words":19,"start":154.77501,"end":165.335},{"sentences":[{"text":"It's just what you you would just financial advice.","start":165.335,"end":168.775,"sentiment":"neutral","sentiment_score":0.08020383243759473},{"text":"Yeah.","start":168.775,"end":169.275,"sentiment":"neutral","sentiment_score":0.10982035100460052},{"text":"So it doesn't have to be my own name.","start":201.75,"end":203.67,"sentiment":"neutral","sentiment_score":0.056896708284815155},{"text":"You mean future property that I purchased, you mean?","start":203.67,"end":206.55,"sentiment":"neutral","sentiment_score":0.08557323407795694},{"text":"Like, in future ones?","start":206.55,"end":207.59,"sentiment":"neutral","sentiment_score":0.04363399092108011}],"sentiment":"neutral","sentiment_score":0.07151313399663195,"num_words":32,"start":165.335,"end":207.59},{"sentences":[{"text":"I Yeah.","start":207.59,"end":208.97,"sentiment":"neutral","sentiment_score":0.08393984660506248},{"text":"Yeah.","start":209.75,"end":210.25,"sentiment":"neutral","sentiment_score":0.1350417584180832},{"text":"It doesn't have to be my name, and it doesn't have to be necessarily within SMSF.","start":210.31,"end":214.19499,"sentiment":"neutral","sentiment_score":0.03334862249903381},{"text":"So I'm open to yeah.","start":219.295,"end":221.61499,"sentiment":"neutral","sentiment_score":0.14030348956584932},{"text":"Probably not.","start":221.61499,"end":222.575,"sentiment":"neutral","sentiment_score":-0.1341472640633583}],"sentiment":"neutral","sentiment_score":0.048835474281356886,"num_words":26,"start":207.59,"end":222.575},{"sentences":[{"text":"Yeah.","start":222.575,"end":223.075,"sentiment":"neutral","sentiment_score":0.04457888752222061},{"text":"Once you have a view of it, maybe tell me if you maybe you might say buy one more in your name first or because I've got a a trust.","start":223.135,"end":232.01,"sentiment":"neutral","sentiment_score":0.04733037787179152},{"text":"I've got a company that I could I've created a trust that I could potentially buy the property in, but I haven't used it yet.","start":232.01,"end":238.73,"sentiment":"neutral","sentiment_score":0.08225516676902771},{"text":"So I'm sort of working my way towards my goal, but I just need some advice, I guess, in terms of, you know, how best to and the priority of those things as well, maybe.","start":238.73,"end":249.69499,"sentiment":"neutral","sentiment_score":0.1405122750571796},{"text":"Yeah.","start":249.75499,"end":250.25499,"sentiment":"neutral","sentiment_score":0.07376348227262497}],"sentiment":"neutral","sentiment_score":0.09252785328451706,"num_words":92,"start":222.575,"end":250.25499},{"sentences":[{"text":"Mhmm.","start":258.88998,"end":259.38998,"sentiment":"neutral","sentiment_score":0.06745384633541107},{"text":"Yes.","start":265.13,"end":265.63,"sentiment":"neutral","sentiment_score":0.07154271006584167},{"text":"Yes.","start":270.33,"end":270.705,"sentiment":"neutral","sentiment_score":0.059804029762744904},{"text":"Yes.","start":280.865,"end":281.365,"sentiment":"neutral","sentiment_score":0.06153324246406555},{"text":"Well, at the moment, one, ideally, multiple when and I mean, working for different doing different providing services to multiple is where I want to be.","start":283.26498,"end":295.97,"sentiment":"neutral","sentiment_score":0.05287743263089886}],"sentiment":"neutral","sentiment_score":0.05450490256771445,"num_words":30,"start":258.88998,"end":295.97},{"sentences":[{"text":"But at the moment, it's the one.","start":296.35,"end":299.10498,"sentiment":"neutral","sentiment_score":0.024091840322528566},{"text":"Sorry, sir.","start":300.205,"end":300.685,"sentiment":"neutral","sentiment_score":-0.04682954028248787},{"text":"Let me let me rephrase that.","start":300.685,"end":301.965,"sentiment":"neutral","sentiment_score":-0.030631948883334797},{"text":"It's one at a time.","start":301.965,"end":303.185,"sentiment":"neutral","sentiment_score":-0.009419245272874832},{"text":"Yeah.","start":305.805,"end":306.305,"sentiment":"neutral","sentiment_score":0.027479883283376697}],"sentiment":"neutral","sentiment_score":-0.006115439747061048,"num_words":21,"start":296.35,"end":306.305},{"sentences":[{"text":"So, yeah, I'm not just stuck at the one one place, but I do once the contract finishes, I will then go to another place.","start":306.44498,"end":314.65,"sentiment":"neutral","sentiment_score":-0.006803260557353497},{"text":"But I would like to do multiple at a time if that's what the question was about.","start":314.65,"end":319.31,"sentiment":"neutral","sentiment_score":0.019554466598064583},{"text":"Usually.","start":326.985,"end":327.485,"sentiment":"neutral","sentiment_score":0.07962681353092194},{"text":"Yeah.","start":327.54498,"end":327.94498,"sentiment":"neutral","sentiment_score":0.06241628527641296},{"text":"Usually.","start":327.94498,"end":328.44498,"sentiment":"neutral","sentiment_score":0.06767792999744415}],"sentiment":"neutral","sentiment_score":0.008268121045289768,"num_words":45,"start":306.44498,"end":328.44498},{"sentences":[{"text":"Six to twelve months.","start":329.465,"end":330.685,"sentiment":"neutral","sentiment_score":0.18070274218916893},{"text":"Yeah.","start":330.745,"end":331.245,"sentiment":"neutral","sentiment_score":0.1356838494539261},{"text":"Yeah.","start":346.59998,"end":346.91998,"sentiment":"neutral","sentiment_score":0.012951118871569632},{"text":"Okay.","start":346.91998,"end":347.15997,"sentiment":"neutral","sentiment_score":0.005652077496051788},{"text":"So I'm not putting myself on a salary yet.","start":347.15997,"end":351.405,"sentiment":"neutral","sentiment_score":-0.07554380243851079}],"sentiment":"neutral","sentiment_score":0.012325237039476633,"num_words":16,"start":329.465,"end":351.405},{"sentences":[{"text":"I have to that's another thing.","start":351.805,"end":353.405,"sentiment":"neutral","sentiment_score":-0.05031758608917395},{"text":"I have to structure that in a way that benefits me the most at the moment.","start":353.405,"end":357.585,"sentiment":"neutral","sentiment_score":0.04026894341222942},{"text":"It's just not structured yet because it's worth only, like, almost three years old now.","start":357.645,"end":363.405,"sentiment":"neutral","sentiment_score":-0.044960435728232065},{"text":"So I'm still a little baby in that regard.","start":363.405,"end":366.465,"sentiment":"neutral","sentiment_score":-0.02154234755370352},{"text":"So I I everything just goes into that company account, and I just do director drawings, and that's sort of classified as income for me.","start":368.6,"end":378.84,"sentiment":"neutral","sentiment_score":-0.0007565696910023689}],"sentiment":"neutral","sentiment_score":-0.007673300396073872,"num_words":71,"start":351.805,"end":378.84},{"sentences":[{"text":"There's no sort of wages or salary that I pay Yeah.","start":378.84,"end":383.995,"sentiment":"neutral","sentiment_score":-0.061015892011875454},{"text":"And so the super and on the back of that is the superannuation, like, concessional contributions.","start":385.015,"end":392.475,"sentiment":"neutral","sentiment_score":-0.012988869799301028},{"text":"Yeah.","start":392.935,"end":393.435,"sentiment":"neutral","sentiment_score":-0.054467350244522095},{"text":"So as a result, there's no regular.","start":393.495,"end":396.875,"sentiment":"neutral","sentiment_score":-0.11450885342700141},{"text":"I just put in I I tried to max it out last financial year for my non concessional.","start":396.935,"end":402.53,"sentiment":"neutral","sentiment_score":-0.13416480355792576}],"sentiment":"neutral","sentiment_score":-0.07830174560746495,"num_words":53,"start":378.84,"end":402.53},{"sentences":[{"text":"So is it not yes.","start":402.67,"end":404.93002,"sentiment":"neutral","sentiment_score":-0.13605868816375732},{"text":"No.","start":404.99002,"end":405.49002,"sentiment":"neutral","sentiment_score":-0.0831092968583107},{"text":"That's definitely not.","start":406.43002,"end":407.15002,"sentiment":"neutral","sentiment_score":-0.178002859155337},{"text":"Yeah.","start":407.15002,"end":407.65002,"sentiment":"neutral","sentiment_score":-0.029870519414544106},{"text":"But I would like to also talk about not only maxing out, but, you know, advice around the nonconsensual part of it as well.","start":407.79,"end":418.185,"sentiment":"neutral","sentiment_score":0.026274839299730957}],"sentiment":"neutral","sentiment_score":-0.02049075562835616,"num_words":34,"start":402.67,"end":418.185},{"sentences":[{"text":"Maxing that out.","start":419.525,"end":420.82498,"sentiment":"neutral","sentiment_score":0.03001689414183299},{"text":"Oh, not maxing out, but adding additional on top of what is the concessional one.","start":420.965,"end":426.68,"sentiment":"neutral","sentiment_score":0.02243664860725403},{"text":"Yep.","start":426.68,"end":427.18,"sentiment":"neutral","sentiment_score":0.0947495698928833},{"text":"Okay.","start":444.885,"end":445.385,"sentiment":"neutral","sentiment_score":-0.0012109680101275444},{"text":"About the last twelve months, I'll have to check.","start":447.125,"end":451.785,"sentiment":"neutral","sentiment_score":-0.016741236257884238}],"sentiment":"neutral","sentiment_score":0.012740271968831277,"num_words":29,"start":419.525,"end":451.785},{"sentences":[{"text":"Let me see.","start":452.16,"end":453.42,"sentiment":"neutral","sentiment_score":0.0030758436769247055},{"text":"Maybe ballpark, let's say, not a lot of this financial year, but let's say around $80.90, they're about.","start":453.52002,"end":465.38,"sentiment":"neutral","sentiment_score":-0.023790474179097347},{"text":"And we only have two months or three months left 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the moment.","start":596.85,"end":597.99,"sentiment":"neutral","sentiment_score":0.010423290310427547},{"text":"Alright.","start":599.57,"end":600.07,"sentiment":"neutral","sentiment_score":0.047289278358221054},{"text":"This is just a company structure.","start":611.795,"end":614.055,"sentiment":"neutral","sentiment_score":-0.056370451425512634}],"sentiment":"neutral","sentiment_score":0.001220638228749687,"num_words":22,"start":584.70496,"end":614.055},{"sentences":[{"text":"The other one I was telling you about the trust is a different company altogether.","start":614.115,"end":618.86,"sentiment":"neutral","sentiment_score":-0.06059751187761624},{"text":"Yeah.","start":620.12,"end":620.62,"sentiment":"neutral","sentiment_score":-0.015831219032406807},{"text":"The one I was, yeah, intending for the property purchase.","start":621.24,"end":624.86,"sentiment":"neutral","sentiment_score":-0.015563481673598289},{"text":"It's called let's call it RPL.","start":640.975,"end":643.15497,"sentiment":"neutral","sentiment_score":0.05258002566794554},{"text":"Okay.","start":644.415,"end":644.735,"sentiment":"neutral","sentiment_score":0.1745963990688324}],"sentiment":"neutral","sentiment_score":-0.01788945941988266,"num_words":33,"start":614.115,"end":644.735},{"sentences":[{"text":"It's RPL.","start":644.735,"end":645.83,"sentiment":"neutral","sentiment_score":0.2810548096895218},{"text":"Yes.","start":646.25,"end":646.75,"sentiment":"positive","sentiment_score":0.3375108242034912},{"text":"RPL.","start":647.17004,"end":647.67004,"sentiment":"neutral","sentiment_score":0.3029381036758423},{"text":"Yeah.","start":655.33,"end":655.83,"sentiment":"neutral","sentiment_score":-0.011262156069278715},{"text":"I can't remember right 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yeah.","start":669.465,"end":670.685,"sentiment":"neutral","sentiment_score":-0.1191222608089447},{"text":"Mhmm.","start":671.58,"end":672.08,"sentiment":"neutral","sentiment_score":-0.07208523154258728}],"sentiment":"neutral","sentiment_score":-0.10668251730310611,"num_words":39,"start":657.73004,"end":672.08},{"sentences":[{"text":"So that's in the company structure.","start":675.5,"end":682.16003,"sentiment":"neutral","sentiment_score":-0.023654164746403694},{"text":"It owns nothing, but I was wanting to actually start diverting the my salary into the into the trust.","start":682.62,"end":693.475,"sentiment":"neutral","sentiment_score":-0.08350126955069993},{"text":"I was going to start it, so that's another thing too.","start":694.815,"end":696.975,"sentiment":"neutral","sentiment_score":-0.047086755660447205},{"text":"But I don't know if I should wait till, you know, the end of this financial year and just start or just start putting the again, just for tax advantages, but I don't 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that.","start":764.19,"end":765.33,"sentiment":"neutral","sentiment_score":-0.11536538228392601},{"text":"Hello?","start":775.35504,"end":775.835,"sentiment":"neutral","sentiment_score":0.0037951190024614334},{"text":"Yes.","start":775.835,"end":776.315,"sentiment":"neutral","sentiment_score":0.019798483699560165}],"sentiment":"neutral","sentiment_score":-0.08260164678924614,"num_words":9,"start":761.63,"end":776.315},{"sentences":[{"text":"Yes.","start":776.315,"end":776.79504,"sentiment":"neutral","sentiment_score":0.014513133093714714},{"text":"Mhmm.","start":776.79504,"end":777.29504,"sentiment":"neutral","sentiment_score":-0.03146354481577873},{"text":"Yes.","start":782.23505,"end":782.73505,"sentiment":"neutral","sentiment_score":0.03044537641108036},{"text":"Yeah.","start":800.765,"end":801.265,"sentiment":"neutral","sentiment_score":0.05300191417336464},{"text":"Yeah.","start":804.92505,"end":805.42505,"sentiment":"neutral","sentiment_score":0.019104989245533943}],"sentiment":"neutral","sentiment_score":0.017120373621582984,"num_words":5,"start":776.315,"end":805.42505},{"sentences":[{"text":"Okay.","start":806.205,"end":806.705,"sentiment":"neutral","sentiment_score":0.03221120685338974},{"text":"Even 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complete, it's actually yes.","start":930.50995,"end":935.17,"sentiment":"neutral","sentiment_score":0.11708398349583149}],"sentiment":"neutral","sentiment_score":0.08432378659823112,"num_words":14,"start":908.64,"end":935.17},{"sentences":[{"text":"It's original debt was 2, but I just took a loan because I'm trying to do, like, a a build behind the property.","start":936.75,"end":948.085,"sentiment":"neutral","sentiment_score":0.05138569843509923},{"text":"So that's why I'm just working with the the build amount.","start":949.49,"end":953.67,"sentiment":"neutral","sentiment_score":0.15036161921241067},{"text":"So the build amount is going to be around 3, actually.","start":953.97,"end":956.70996,"sentiment":"neutral","sentiment_score":0.1273538267070597},{"text":"So yep.","start":957.00995,"end":960.14996,"sentiment":"neutral","sentiment_score":0.10088140144944191},{"text":"And then but I was gonna rent it and then get income from 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remain.","start":1048.1849,"end":1050.845,"sentiment":"neutral","sentiment_score":-0.022070507208506267},{"text":"But then I'll use the spare second account that has the 2 k $4,200 k for the building.","start":1051.3849,"end":1060.365,"sentiment":"neutral","sentiment_score":0.08801450787319078},{"text":"And then I'll pay myself once the building is complete.","start":1064.74,"end":1070.28,"sentiment":"neutral","sentiment_score":0.08384172916412354},{"text":"I'll pay myself back.","start":1073.22,"end":1074.345,"sentiment":"neutral","sentiment_score":0.03245222195982933},{"text":"I'll transfer from the bank loan into my account if I can.","start":1075.225,"end":1082.505,"sentiment":"neutral","sentiment_score":0.09007966828842957}],"sentiment":"neutral","sentiment_score":0.07002040594816208,"num_words":50,"start":1048.1849,"end":1082.505},{"sentences":[{"text":"I think I can.","start":1082.505,"end":1083.565,"sentiment":"neutral","sentiment_score":0.07968675997108221},{"text":"Don't 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years?","start":1573.505,"end":1580.0651,"sentiment":"neutral","sentiment_score":0.03806333212802807}],"sentiment":"neutral","sentiment_score":0.06121125609120902,"num_words":17,"start":1519.005,"end":1580.0651},{"sentences":[{"text":"I mean, that you mean to max out previous years?","start":1580.0651,"end":1582.785,"sentiment":"neutral","sentiment_score":-0.016578758507966994},{"text":"Okay.","start":1582.785,"end":1583.285,"sentiment":"neutral","sentiment_score":-0.004258471541106701},{"text":"Yeah.","start":1589.25,"end":1589.75,"sentiment":"neutral","sentiment_score":-0.02212657779455185},{"text":"Because, yeah, it was only 30.","start":1590.05,"end":1591.73,"sentiment":"neutral","sentiment_score":-0.04235423356294632},{"text":"I've only been doing this maxing out on the last financial.","start":1591.73,"end":1594.37,"sentiment":"neutral","sentiment_score":-0.06959391114386645}],"sentiment":"neutral","sentiment_score":-0.04178727787501853,"num_words":29,"start":1580.0651,"end":1594.37},{"sentences":[{"text":"Pre prior to that, everything I was pagey.","start":1594.37,"end":1596.4701,"sentiment":"neutral","sentiment_score":-0.12098720297217369},{"text":"I've only started this contracting thing in the last three years.","start":1596.53,"end":1599.99,"sentiment":"neutral","sentiment_score":-0.09565722942352295},{"text":"So, yeah, it was PG prior to that.","start":1601.995,"end":1604.4149,"sentiment":"neutral","sentiment_score":0.003890006453730166},{"text":"So it was just taken from my employer directly.","start":1605.195,"end":1608.815,"sentiment":"neutral","sentiment_score":0.010931621616085371},{"text":"Yep.","start":1609.595,"end":1610.095,"sentiment":"neutral","sentiment_score":0.030390163883566856}],"sentiment":"neutral","sentiment_score":-0.05027654965886393,"num_words":37,"start":1594.37,"end":1610.095},{"sentences":[{"text":"No.","start":1612.395,"end":1612.895,"sentiment":"neutral","sentiment_score":-0.1284421533346176},{"text":"No.","start":1613.355,"end":1613.6749,"sentiment":"neutral","sentiment_score":-0.1433826982975006},{"text":"It wasn't.","start":1613.6749,"end":1614.255,"sentiment":"neutral","sentiment_score":-0.10719367861747742},{"text":"Mhmm.","start":1615.14,"end":1615.64,"sentiment":"neutral","sentiment_score":-0.05187403783202171},{"text":"So financial year 2223 was the last year I did with salary.","start":1624.66,"end":1633.905,"sentiment":"neutral","sentiment_score":-0.026451787911355495}],"sentiment":"neutral","sentiment_score":-0.05032398244913887,"num_words":17,"start":1612.395,"end":1633.905},{"sentences":[{"text":"Income was one I think it was $1.20 average.","start":1634.765,"end":1642.385,"sentiment":"neutral","sentiment_score":-0.02542598069541984},{"text":"Yeah.","start":1643.42,"end":1643.92,"sentiment":"neutral","sentiment_score":0.02241196855902672},{"text":"Yeah.","start":1644.54,"end":1645.04,"sentiment":"neutral","sentiment_score":0.046842772513628006},{"text":"For many years.","start":1645.1,"end":1646.08,"sentiment":"neutral","sentiment_score":0.05363452682892481},{"text":"Yep.","start":1646.38,"end":1646.88,"sentiment":"neutral","sentiment_score":0.12954077124595642}],"sentiment":"neutral","sentiment_score":0.008724351103107134,"num_words":15,"start":1634.765,"end":1646.88},{"sentences":[{"text":"Right.","start":1648.22,"end":1648.54,"sentiment":"neutral","sentiment_score":0.1483958661556244},{"text":"It grew ninety, hundred, one ten.","start":1648.54,"end":1651.98,"sentiment":"neutral","sentiment_score":0.11873723939061165},{"text":"But yeah.","start":1651.98,"end":1652.8,"sentiment":"neutral","sentiment_score":0.04484947770833969},{"text":"So yeah.","start":1653.1,"end":1661.635,"sentiment":"neutral","sentiment_score":0.02719378937035799},{"text":"Because I was contracting, and that's why.","start":1662.175,"end":1664.675,"sentiment":"neutral","sentiment_score":-0.03117256079401289}],"sentiment":"neutral","sentiment_score":0.04370543950547775,"num_words":18,"start":1648.22,"end":1664.675},{"sentences":[{"text":"Because yeah.","start":1665.215,"end":1665.775,"sentiment":"neutral","sentiment_score":0.042431535199284554},{"text":"Well, I didn't work for actually, I didn't work for, like, six months.","start":1665.775,"end":1668.975,"sentiment":"neutral","sentiment_score":-0.13794684725312087},{"text":"So almost six months.","start":1668.975,"end":1670.28,"sentiment":"neutral","sentiment_score":-0.16651587933301926},{"text":"So but here we are.","start":1670.76,"end":1674.14,"sentiment":"neutral","sentiment_score":0.1499655216932297},{"text":"And that's why I'm trying to get a positive cash flow as 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see.","start":1698.025,"end":1701.4099,"sentiment":"neutral","sentiment_score":-0.0768832837541898},{"text":"Yeah.","start":1701.4099,"end":1701.9099,"sentiment":"neutral","sentiment_score":0.09751254320144652},{"text":"It's here.","start":1706.85,"end":1707.59,"sentiment":"neutral","sentiment_score":0.07199393026530743},{"text":"Mhmm.","start":1709.57,"end":1710.07,"sentiment":"neutral","sentiment_score":-0.09900832176208496},{"text":"So it's not you know, like, I if I have employers.","start":1723.585,"end":1726.66,"sentiment":"neutral","sentiment_score":-0.022806177762421696}],"sentiment":"neutral","sentiment_score":-0.018834762482179537,"num_words":18,"start":1698.025,"end":1726.66},{"sentences":[{"text":"It's it's a consult like, you know what I mean?","start":1727.12,"end":1729.84,"sentiment":"neutral","sentiment_score":0.03241422378923744},{"text":"It's just this self contracting thing where I provide offer my services.","start":1729.84,"end":1734.34,"sentiment":"neutral","sentiment_score":0.11283583318193753},{"text":"Well, that's my trajectory because I've got another year's worth of contracts now.","start":1736.56,"end":1743.485,"sentiment":"neutral","sentiment_score":0.14209531706113082},{"text":"So let me do the math again.","start":1743.485,"end":1749.505,"sentiment":"neutral","sentiment_score":0.07497798438583102},{"text":"I think it's time 52.","start":1749.565,"end":1753.6599,"sentiment":"neutral","sentiment_score":0.0389875277876854}],"sentiment":"neutral","sentiment_score":0.09032329547892701,"num_words":47,"start":1727.12,"end":1753.6599},{"sentences":[{"text":"Bear with me.","start":1753.96,"end":1754.9199,"sentiment":"neutral","sentiment_score":0.0411085362235705},{"text":"Some my trajectory.","start":1754.9199,"end":1756.46,"sentiment":"neutral","sentiment_score":0.036011538157860436},{"text":"So this is before tax.","start":1756.5199,"end":1757.7999,"sentiment":"neutral","sentiment_score":0.029837173968553544},{"text":"Right?","start":1757.7999,"end":1758.2999,"sentiment":"neutral","sentiment_score":0.05942746624350548},{"text":"Yeah.","start":1760.12,"end":1760.36,"sentiment":"neutral","sentiment_score":0.13258139789104462}],"sentiment":"neutral","sentiment_score":0.044042689009354666,"num_words":13,"start":1753.96,"end":1760.36},{"sentences":[{"text":"Of course.","start":1760.36,"end":1760.84,"sentiment":"neutral","sentiment_score":0.14754638075828552},{"text":"Okay.","start":1760.84,"end":1761.34,"sentiment":"neutral","sentiment_score":0.13313806056976318},{"text":"Okay.","start":1766.3351,"end":1766.8351,"sentiment":"neutral","sentiment_score":0.1237546056509018},{"text":"So it should check through the it's 2 oh, how is that?","start":1770.175,"end":1774.255,"sentiment":"neutral","sentiment_score":0.11318575280408065},{"text":"It's 220.","start":1774.255,"end":1775.155,"sentiment":"neutral","sentiment_score":0.04454105347394943}],"sentiment":"neutral","sentiment_score":0.11107203157411681,"num_words":18,"start":1760.36,"end":1775.155},{"sentences":[{"text":"Let's 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right.","start":1831.365,"end":1831.9249,"sentiment":"positive","sentiment_score":0.4550655782222748},{"text":"Because even with the, you know, with the income, you know, there's this quote seventy, thirty, 20 rule or something like that.","start":1831.9249,"end":1842.59,"sentiment":"neutral","sentiment_score":0.2939612669023601}],"sentiment":"neutral","sentiment_score":0.30260108245743644,"num_words":27,"start":1822.2001,"end":1842.59},{"sentences":[{"text":"So I wanted to start just doing the, you know, the shares and just putting everything on auto so that I can transfer and get the shades bought every every week and things like that.","start":1842.59,"end":1855.7849,"sentiment":"positive","sentiment_score":0.4262003362178802},{"text":"But I guess I wanted to have a plan first before doing that, and it's been on my mind now for three years, simply.","start":1856.8049,"end":1864.1849,"sentiment":"neutral","sentiment_score":0.21438579261302948},{"text":"So I don't have any structure in place, which is, yeah, killing me.","start":1866.05,"end":1871.27,"sentiment":"negative","sentiment_score":-0.49605100086102116},{"text":"Yeah.","start":1911.695,"end":1912.195,"sentiment":"neutral","sentiment_score":0.04646965861320496},{"text":"I was not I'm not a big fan of well, once this is all done, then my head space will be in a different place, I guess.","start":1918.49,"end":1925.85,"sentiment":"negative","sentiment_score":-0.43016099488293685}],"sentiment":"neutral","sentiment_score":0.020457305759191514,"num_words":100,"start":1842.59,"end":1925.85},{"sentences":[{"text":"Then I'll be like, alright.","start":1925.85,"end":1926.8099,"sentiment":"neutral","sentiment_score":-0.13449981063604355},{"text":"Let me review my goals.","start":1926.8099,"end":1931.455,"sentiment":"neutral","sentiment_score":-0.0659174919128418},{"text":"But I definitely yeah.","start":1931.515,"end":1934.7949,"sentiment":"neutral","sentiment_score":0.03761860076338053},{"text":"That's another 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don't.","start":2182.245,"end":2182.905,"sentiment":"neutral","sentiment_score":-0.27003903687000275},{"text":"But but it's going to be probably more because it's what?","start":2182.965,"end":2187.0,"sentiment":"neutral","sentiment_score":-0.15739997002211484}],"sentiment":"neutral","sentiment_score":0.036893336288630965,"num_words":40,"start":2164.39,"end":2187.0},{"sentences":[{"text":"It's one point.","start":2187.0,"end":2187.98,"sentiment":"neutral","sentiment_score":-0.09928755710522334},{"text":"Actually, it's probably more now because it it you know, because I don't are you you're on the go cost.","start":2189.0,"end":2194.84,"sentiment":"neutral","sentiment_score":-0.08776172939687968},{"text":"Correct?","start":2194.84,"end":2195.24,"sentiment":"neutral","sentiment_score":-0.03812764585018158},{"text":"Yeah.","start":2195.24,"end":2195.64,"sentiment":"neutral","sentiment_score":-0.010301216505467892},{"text":"It it increases every every 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it's it's only a small place.","start":2222.2302,"end":2228.33,"sentiment":"neutral","sentiment_score":-0.14102820350843318},{"text":"But hang on.","start":2228.875,"end":2233.215,"sentiment":"neutral","sentiment_score":-0.06152809287110964},{"text":"Oh, yeah.","start":2234.875,"end":2235.5352,"sentiment":"neutral","sentiment_score":0.005372313316911459},{"text":"It's in domain.","start":2236.155,"end":2237.215,"sentiment":"neutral","sentiment_score":0.011592919006943703},{"text":"It is.","start":2245.26,"end":2245.82,"sentiment":"neutral","sentiment_score":0.023919934406876564}],"sentiment":"neutral","sentiment_score":-0.09217409206623281,"num_words":27,"start":2222.2302,"end":2245.82},{"sentences":[{"text":"Oh, okay.","start":2245.82,"end":2246.72,"sentiment":"neutral","sentiment_score":0.05621224455535412},{"text":"Medium confidence.","start":2247.26,"end":2248.3,"sentiment":"neutral","sentiment_score":0.05883936211466789},{"text":"One point six one point six six three.","start":2248.3,"end":2250.6401,"sentiment":"neutral","sentiment_score":0.04499692702665925},{"text":"K.","start":2252.3,"end":2252.62,"sentiment":"neutral","sentiment_score":0.028591958805918697},{"text":"It's higher than than I thought.","start":2252.62,"end":2254.72,"sentiment":"neutral","sentiment_score":0.07991268734137218}],"sentiment":"neutral","sentiment_score":0.05779719538986683,"num_words":19,"start":2245.82,"end":2254.72},{"sentences":[{"text":"I think 1.5 was from last year.","start":2255.1,"end":2257.76,"sentiment":"neutral","sentiment_score":0.004712346941232681},{"text":"I didn't I'm bad with figures.","start":2258.105,"end":2261.4048,"sentiment":"neutral","sentiment_score":-0.09366407183309396},{"text":"Sad to 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you.","start":2421.4102,"end":2422.37,"sentiment":"neutral","sentiment_score":-0.1583941032489141},{"text":"Okay.","start":2422.37,"end":2422.845,"sentiment":"neutral","sentiment_score":-0.10278208553791046},{"text":"Okay.","start":2430.285,"end":2430.785,"sentiment":"neutral","sentiment_score":-0.18540960550308228},{"text":"So who would like, a real estate agent would know, though?","start":2431.165,"end":2433.805,"sentiment":"neutral","sentiment_score":-0.11352814801714638},{"text":"Wouldn't wouldn't they?","start":2433.805,"end":2434.89,"sentiment":"neutral","sentiment_score":-0.06026472523808479}],"sentiment":"neutral","sentiment_score":-0.11541988445739997,"num_words":19,"start":2421.4102,"end":2434.89},{"sentences":[{"text":"Yeah.","start":2434.97,"end":2435.47,"sentiment":"neutral","sentiment_score":0.08556145429611206},{"text":"Mhmm.","start":2438.17,"end":2438.67,"sentiment":"neutral","sentiment_score":-0.12262365221977234},{"text":"Who's gonna harass me to to rent 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yeah, life insurance.","start":2670.5251,"end":2675.405,"sentiment":"neutral","sentiment_score":0.012035218649543822},{"text":"I've got that there.","start":2675.405,"end":2676.5452,"sentiment":"neutral","sentiment_score":0.010686628287658095}],"sentiment":"neutral","sentiment_score":0.006122745658186349,"num_words":33,"start":2665.2402,"end":2676.5452},{"sentences":[{"text":"And I think I have made those are things that I probably need to change days, the beneficiary.","start":2676.8452,"end":2682.96,"sentiment":"neutral","sentiment_score":0.018512348954876263},{"text":"I don't think I have to double check that out.","start":2683.74,"end":2685.7002,"sentiment":"neutral","sentiment_score":-0.2552163377404213},{"text":"I don't think I've made it the trust yet.","start":2685.7002,"end":2687.42,"sentiment":"neutral","sentiment_score":-0.26419994566175675},{"text":"I might have just left 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trust them set up, but I think they said if I write I have to go and double check it again.","start":2751.545,"end":2767.08,"sentiment":"neutral","sentiment_score":-0.1315037299479757},{"text":"I was just gonna just to make to check what I have there now because I think I've just put in and split it by the percentages to the beneficiaries.","start":2767.08,"end":2776.225,"sentiment":"neutral","sentiment_score":0.022514030088980994}],"sentiment":"neutral","sentiment_score":-0.06726974301422253,"num_words":78,"start":2748.825,"end":2776.225},{"sentences":[{"text":"I think that's what I've done.","start":2776.365,"end":2777.985,"sentiment":"neutral","sentiment_score":0.10984011987845103},{"text":"Okay.","start":2780.7651,"end":2781.2651,"sentiment":"neutral","sentiment_score":0.03569866716861725},{"text":"That's something I have to check.","start":2781.325,"end":2782.685,"sentiment":"neutral","sentiment_score":-0.11188289398948352},{"text":"But, yeah, I'm open to for for that to to have a 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thing to our free will be so that investment property was not rented for many months because it had some structural problems, which is now fixed.","start":2919.585,"end":2930.0798,"sentiment":"neutral","sentiment_score":-0.041576775825685926}],"sentiment":"neutral","sentiment_score":-0.04706903631168027,"num_words":31,"start":2897.675,"end":2930.0798},{"sentences":[{"text":"It's now rented back.","start":2930.0798,"end":2931.5398,"sentiment":"neutral","sentiment_score":0.0016033257124945521},{"text":"So for this financial year, there's the I probably spent about $60 on there or more with all the repayments, like, you know, the the mortgage and everything.","start":2931.7598,"end":2945.8552,"sentiment":"neutral","sentiment_score":0.011365418621738042},{"text":"I didn't put it on hold.","start":2945.8552,"end":2947.155,"sentiment":"neutral","sentiment_score":-0.1994311586022377},{"text":"So this year, this financial year that we're in now, is this the best year to withhold my income in my company name, or should I pay myself everything so that I can get the tax benefit?","start":2947.375,"end":2964.98,"sentiment":"neutral","sentiment_score":-0.07155381593651869},{"text":"Yeah.","start":2973.295,"end":2973.795,"sentiment":"neutral","sentiment_score":0.02848970703780651}],"sentiment":"neutral","sentiment_score":-0.045933465920633784,"num_words":76,"start":2930.0798,"end":2973.795},{"sentences":[{"text":"Because if I don't pay say say, as you mean, I've only I think I've only just transferred at the most maybe $20.","start":2977.615,"end":2984.5999,"sentiment":"neutral","sentiment_score":-0.08408174712372862},{"text":"I'll double check from my company account this financial year to myself.","start":2984.5999,"end":2989.9,"sentiment":"neutral","sentiment_score":-0.038681137996415295},{"text":"And if if I you know, if if that's taken as my income from a tax taxable income, like, say, $20 and I've spent, say, 100,000 on fixing, there's no tax advantage there from a tax perspective, is there, this year?","start":2992.3599,"end":3010.16,"sentiment":"neutral","sentiment_score":-0.04007925629252341},{"text":"Like, for the property, all all the things I've spent on the property or the amount.","start":3011.66,"end":3016.16,"sentiment":"neutral","sentiment_score":0.01613010256551206},{"text":"Fourteen months.","start":3021.58,"end":3022.455,"sentiment":"neutral","sentiment_score":-0.014602131210267544}],"sentiment":"neutral","sentiment_score":-0.040557723076261105,"num_words":94,"start":2977.615,"end":3022.455},{"sentences":[{"text":"Fourteen months.","start":3022.5352,"end":3023.355,"sentiment":"neutral","sentiment_score":-0.008123277686536312},{"text":"Yeah.","start":3026.2952,"end":3026.7952,"sentiment":"neutral","sentiment_score":0.017919208854436874},{"text":"No.","start":3027.335,"end":3027.655,"sentiment":"neutral","sentiment_score":-0.07206355780363083},{"text":"Since March.","start":3027.655,"end":3028.935,"sentiment":"neutral","sentiment_score":-0.10334808379411697},{"text":"Since March 2025.","start":3028.935,"end":3030.5552,"sentiment":"neutral","sentiment_score":-0.05794589718182882}],"sentiment":"neutral","sentiment_score":-0.05010275149510966,"num_words":9,"start":3022.5352,"end":3030.5552},{"sentences":[{"text":"So I see what you mean.","start":3031.735,"end":3032.955,"sentiment":"neutral","sentiment_score":-0.022903029186030228},{"text":"Just last week.","start":3033.495,"end":3035.0151,"sentiment":"neutral","sentiment_score":-0.01123029738664627},{"text":"Yep.","start":3035.0151,"end":3035.5151,"sentiment":"neutral","sentiment_score":0.04183945804834366},{"text":"So there's been a lot of financial dent on me.","start":3045.8599,"end":3049.5598,"sentiment":"neutral","sentiment_score":-0.2456132300198078},{"text":"So yeah.","start":3050.18,"end":3064.7651,"sentiment":"neutral","sentiment_score":-0.1631808951497078}],"sentiment":"neutral","sentiment_score":-0.13235289544205775,"num_words":22,"start":3031.735,"end":3064.7651},{"sentences":[{"text":"Yeah.","start":3064.985,"end":3065.485,"sentiment":"neutral","sentiment_score":-0.03443583846092224},{"text":"Yeah.","start":3070.59,"end":3071.09,"sentiment":"neutral","sentiment_score":-0.01213393546640873},{"text":"Since March 2020 '25.","start":3071.6301,"end":3074.19,"sentiment":"neutral","sentiment_score":-0.011165711097419262},{"text":"Twelve months on from a financial year perspective, that's one, two, three.","start":3074.19,"end":3078.615,"sentiment":"neutral","sentiment_score":-0.034885283870001636},{"text":"Yeah.","start":3078.775,"end":3079.095,"sentiment":"neutral","sentiment_score":-0.008594993501901627}],"sentiment":"neutral","sentiment_score":-0.027286895697838383,"num_words":19,"start":3064.985,"end":3079.095},{"sentences":[{"text":"Got you.","start":3079.095,"end":3079.655,"sentiment":"neutral","sentiment_score":0.040185658261179924},{"text":"Yeah.","start":3079.655,"end":3079.895,"sentiment":"neutral","sentiment_score":0.03936848044395447},{"text":"Yeah.","start":3079.895,"end":3080.295,"sentiment":"neutral","sentiment_score":0.04069404676556587},{"text":"So ten months is financial year.","start":3080.295,"end":3081.815,"sentiment":"neutral","sentiment_score":0.008601313767333826},{"text":"Correct.","start":3081.815,"end":3082.315,"sentiment":"neutral","sentiment_score":0.05374008044600487}],"sentiment":"neutral","sentiment_score":0.02416198243471709,"num_words":11,"start":3079.095,"end":3082.315},{"sentences":[{"text":"Yeah.","start":3082.695,"end":3083.195,"sentiment":"neutral","sentiment_score":0.049224853515625},{"text":"Exactly.","start":3087.655,"end":3088.155,"sentiment":"neutral","sentiment_score":0.021639704704284668},{"text":"Mhmm.","start":3090.855,"end":3091.355,"sentiment":"neutral","sentiment_score":-0.07416471838951111},{"text":"Yeah.","start":3095.08,"end":3095.58,"sentiment":"neutral","sentiment_score":-0.04534544050693512},{"text":"Exactly.","start":3099.1602,"end":3099.6602,"sentiment":"neutral","sentiment_score":-0.020339608192443848}],"sentiment":"neutral","sentiment_score":-0.013797041773796082,"num_words":5,"start":3082.695,"end":3099.6602},{"sentences":[{"text":"Exactly.","start":3099.96,"end":3100.46,"sentiment":"neutral","sentiment_score":-0.02269676700234413},{"text":"No.","start":3103.24,"end":3103.74,"sentiment":"neutral","sentiment_score":-0.1361258625984192},{"text":"Is that yeah.","start":3108.295,"end":3109.335,"sentiment":"neutral","sentiment_score":-0.0327596478164196},{"text":"Yep.","start":3109.335,"end":3109.815,"sentiment":"neutral","sentiment_score":0.049945421516895294},{"text":"Mhmm.","start":3109.815,"end":3110.315,"sentiment":"neutral","sentiment_score":0.017860282212495804}],"sentiment":"neutral","sentiment_score":-0.02704226704580443,"num_words":7,"start":3099.96,"end":3110.315},{"sentences":[{"text":"Yep.","start":3116.9348,"end":3117.33,"sentiment":"neutral","sentiment_score":0.0768689215183258},{"text":"Yeah.","start":3124.1301,"end":3124.6301,"sentiment":"neutral","sentiment_score":-0.08127477020025253},{"text":"Oh, sorry.","start":3135.425,"end":3136.065,"sentiment":"neutral","sentiment_score":-0.14445524662733078},{"text":"I should have said this.","start":3136.065,"end":3137.185,"sentiment":"neutral","sentiment_score":-0.11257490515708923},{"text":"You know how I told you that I spent 60 on the property.","start":3137.185,"end":3141.285,"sentiment":"neutral","sentiment_score":-0.05939824993793781}],"sentiment":"neutral","sentiment_score":-0.07401673258705573,"num_words":22,"start":3116.9348,"end":3141.285},{"sentences":[{"text":"Right?","start":3141.505,"end":3142.005,"sentiment":"neutral","sentiment_score":-0.027071641758084297},{"text":"So I've I've taken a lot of that money from oh, yeah.","start":3142.7,"end":3148.14,"sentiment":"neutral","sentiment_score":-0.11586538391808669},{"text":"So the the some insurance did pay some money for some tenant damage.","start":3148.14,"end":3152.7998,"sentiment":"neutral","sentiment_score":-0.07215888583316253},{"text":"Tenant damage the property as well as structural damage.","start":3153.0198,"end":3156.3198,"sentiment":"neutral","sentiment_score":-0.09319428271717495},{"text":"So that's why I still have up to 60 in the account even though I've spent 60 because I've used some of that money, do you know what I mean, from the insurance to fix all that.","start":3156.5398,"end":3169.585,"sentiment":"neutral","sentiment_score":0.002066091835700177}],"sentiment":"neutral","sentiment_score":-0.04330312376583202,"num_words":72,"start":3141.505,"end":3169.585},{"sentences":[{"text":"Yeah.","start":3169.585,"end":3170.085,"sentiment":"neutral","sentiment_score":-0.014726069755852222},{"text":"So roughly 60 overall.","start":3179.06,"end":3181.6401,"sentiment":"neutral","sentiment_score":-0.008101769955828786},{"text":"Insurance paid about 30, half half of it.","start":3182.755,"end":3187.895,"sentiment":"neutral","sentiment_score":-0.035333983367308974},{"text":"Yep.","start":3188.275,"end":3188.775,"sentiment":"neutral","sentiment_score":0.019980279728770256},{"text":"For them.","start":3190.115,"end":3190.855,"sentiment":"neutral","sentiment_score":0.010601647663861513}],"sentiment":"neutral","sentiment_score":-0.018038840091321617,"num_words":16,"start":3169.585,"end":3190.855},{"sentences":[{"text":"Yeah.","start":3191.635,"end":3192.135,"sentiment":"neutral","sentiment_score":-0.03772571682929993},{"text":"Yeah.","start":3194.275,"end":3194.775,"sentiment":"neutral","sentiment_score":-0.011582168750464916},{"text":"They're about I think it's more.","start":3195.315,"end":3200.61,"sentiment":"neutral","sentiment_score":-0.00046542566269636214},{"text":"I'm I'm just giving you ballpark.","start":3200.61,"end":3202.05,"sentiment":"neutral","sentiment_score":-0.0065040501455465955},{"text":"I'm not actually sat down because it was too depressing for me to start looking every day into the money part of it.","start":3202.05,"end":3207.73,"sentiment":"neutral","sentiment_score":-0.3130706354327824}],"sentiment":"neutral","sentiment_score":-0.1970743069022491,"num_words":37,"start":3191.635,"end":3207.73},{"sentences":[{"text":"I'm like, you know what?","start":3207.73,"end":3208.45,"sentiment":"neutral","sentiment_score":-0.18558009266853331},{"text":"I just wanna get this ten months, so I didn't really go into it.","start":3208.45,"end":3211.605,"sentiment":"neutral","sentiment_score":-0.17110177555254527},{"text":"That's the only way I could just not be bogged down in the money side of things.","start":3211.605,"end":3217.785,"sentiment":"neutral","sentiment_score":-0.23273497337804122},{"text":"So, yeah, so there is insurance my roof insurance got paid, which I've also dipped into.","start":3219.045,"end":3223.945,"sentiment":"neutral","sentiment_score":-0.11340389959514141},{"text":"So I'm really not neglect kind of thing.","start":3224.0051,"end":3227.1199,"sentiment":"neutral","sentiment_score":-0.15042494935914874}],"sentiment":"neutral","sentiment_score":-0.1716280309483409,"num_words":60,"start":3207.73,"end":3227.1199},{"sentences":[{"text":"So I have to pay my roof insurance because those people are now dragging me.","start":3227.5,"end":3232.14,"sentiment":"negative","sentiment_score":-0.33561003059148786},{"text":"They want to fix the roof.","start":3232.14,"end":3233.44,"sentiment":"neutral","sentiment_score":-0.31410954395929974},{"text":"So I have to withdraw money from my income, which I use for the property to fix.","start":3235.26,"end":3241.245,"sentiment":"neutral","sentiment_score":-0.0889372343526167},{"text":"So, yeah, you're right there.","start":3242.205,"end":3243.885,"sentiment":"neutral","sentiment_score":0.022656451910734177},{"text":"It's gonna be about yeah.","start":3243.885,"end":3247.5051,"sentiment":"neutral","sentiment_score":-0.019087813422083856}],"sentiment":"neutral","sentiment_score":-0.17526869821206978,"num_words":48,"start":3227.5,"end":3247.5051},{"sentences":[{"text":"Update.","start":3247.965,"end":3248.465,"sentiment":"neutral","sentiment_score":-0.004132675938308239},{"text":"That's why I was saying it's probably not the best year to keep the money in the business to pay myself, pay it out, and then it will be seen as taxable income, which the when the ATO looks at it, then they can say, oh, okay.","start":3249.245,"end":3265.275,"sentiment":"neutral","sentiment_score":-0.08616713453282385},{"text":"Well, expenditure.","start":3265.355,"end":3267.2148,"sentiment":"neutral","sentiment_score":-0.0036394475027918816},{"text":"Exactly.","start":3280.29,"end":3280.79,"sentiment":"neutral","sentiment_score":0.03348348289728165},{"text":"Exactly.","start":3285.25,"end":3285.49,"sentiment":"neutral","sentiment_score":0.045121900737285614}],"sentiment":"neutral","sentiment_score":-0.07658964442984703,"num_words":52,"start":3247.965,"end":3285.49},{"sentences":[{"text":"Okay.","start":3285.49,"end":3285.99,"sentiment":"neutral","sentiment_score":0.03759905323386192},{"text":"Do you do you yes and no.","start":3304.44,"end":3306.94,"sentiment":"neutral","sentiment_score":-0.017626961959259852},{"text":"Be because I was hasn't I haven't worked in six months.","start":3307.96,"end":3310.94,"sentiment":"neutral","sentiment_score":-0.18467216125943445},{"text":"I almost six months in this financial year.","start":3311.16,"end":3316.2,"sentiment":"neutral","sentiment_score":-0.22766021639108658},{"text":"I've been thinking about changing my accountants because I've not done my past as a result.","start":3316.2,"end":3320.435,"sentiment":"neutral","sentiment_score":-0.26373805571347475}],"sentiment":"neutral","sentiment_score":-0.1897273041134657,"num_words":43,"start":3285.49,"end":3320.435},{"sentences":[{"text":"So I've spoken to the agent and said, look.","start":3320.435,"end":3321.955,"sentiment":"neutral","sentiment_score":-0.17011970695522097},{"text":"I've not done my past because I have not, you know, worked.","start":3321.955,"end":3324.855,"sentiment":"neutral","sentiment_score":-0.21827246621251106},{"text":"So when they send me all those letters so do you have an accountant?","start":3325.395,"end":3331.0952,"sentiment":"neutral","sentiment_score":-0.02573391329497099},{"text":"Do you have accountants with your in your practice or just mhmm.","start":3331.44,"end":3341.7,"sentiment":"neutral","sentiment_score":-0.030475611798465252},{"text":"Okay.","start":3347.455,"end":3347.955,"sentiment":"neutral","sentiment_score":-0.05556332692503929}],"sentiment":"neutral","sentiment_score":-0.10274775857881953,"num_words":48,"start":3320.435,"end":3347.955},{"sentences":[{"text":"Alright.","start":3357.695,"end":3358.195,"sentiment":"neutral","sentiment_score":0.1084536835551262},{"text":"Oh, okay.","start":3358.495,"end":3359.07,"sentiment":"neutral","sentiment_score":0.2580806389451027},{"text":"Mhmm.","start":3364.83,"end":3365.33,"sentiment":"neutral","sentiment_score":-0.019000744447112083},{"text":"Yep.","start":3368.4302,"end":3368.9302,"sentiment":"positive","sentiment_score":0.44820499420166016},{"text":"Yep.","start":3370.75,"end":3371.25,"sentiment":"positive","sentiment_score":0.39795657992362976}],"sentiment":"neutral","sentiment_score":0.24196263185391823,"num_words":6,"start":3357.695,"end":3371.25},{"sentences":[{"text":"Yep.","start":3372.645,"end":3373.145,"sentiment":"positive","sentiment_score":0.451835572719574},{"text":"Alright.","start":3374.565,"end":3374.885,"sentiment":"positive","sentiment_score":0.3869282603263855},{"text":"I'm definitely yeah.","start":3374.885,"end":3376.165,"sentiment":"positive","sentiment_score":0.5256667733192444},{"text":"Have a look at that because I'm I have to get my act together now for the end of this financial year.","start":3376.165,"end":3383.625,"sentiment":"positive","sentiment_score":0.4238614223220132},{"text":"But then I thought, let me just find out, you know, what I need to do because, obviously, a strategy is good to have a strategy.","start":3384.245,"end":3392.48,"sentiment":"neutral","sentiment_score":0.09641392786915486}],"sentiment":"neutral","sentiment_score":0.2688203314846417,"num_words":53,"start":3372.645,"end":3392.48},{"sentences":[{"text":"It's just not the money being paid for how am I trying to maximize my strategy in this kind of shade that I've spent a lot on renovating, you know, an investment property.","start":3392.48,"end":3404.3948,"sentiment":"neutral","sentiment_score":-0.022807545282623985},{"text":"And I haven't earned as much as I would have liked to.","start":3405.4949,"end":3408.7148,"sentiment":"neutral","sentiment_score":-0.1604464091360569},{"text":"But yep.","start":3409.015,"end":3410.2349,"sentiment":"neutral","sentiment_score":-0.06755992025136948},{"text":"Yeah.","start":3432.4048,"end":3432.7249,"sentiment":"neutral","sentiment_score":0.06737013161182404},{"text":"And if if I should do concessional as well, you know, like, it's it's should I should how much should I put max out my concessional this year or not max it out to okay.","start":3432.7249,"end":3447.22,"sentiment":"neutral","sentiment_score":0.08792643951518195}],"sentiment":"neutral","sentiment_score":0.003996021327484085,"num_words":83,"start":3392.48,"end":3447.22},{"sentences":[{"text":"Yeah.","start":3455.9348,"end":3456.4348,"sentiment":"neutral","sentiment_score":0.06553405523300171},{"text":"So that I'm not on the edge financially.","start":3456.815,"end":3458.6748,"sentiment":"neutral","sentiment_score":0.07990423031151295},{"text":"Yeah.","start":3459.4548,"end":3459.855,"sentiment":"neutral","sentiment_score":0.1029040515422821},{"text":"So that yeah.","start":3459.855,"end":3461.075,"sentiment":"neutral","sentiment_score":-0.05073335518439611},{"text":"So what you mean?","start":3486.645,"end":3487.525,"sentiment":"neutral","sentiment_score":-0.24333948269486427}],"sentiment":"neutral","sentiment_score":-0.018699179239132824,"num_words":17,"start":3455.9348,"end":3487.525},{"sentences":[{"text":"For this two year.","start":3487.525,"end":3488.6648,"sentiment":"neutral","sentiment_score":-0.20443378388881683},{"text":"Yeah.","start":3488.9648,"end":3489.3,"sentiment":"neutral","sentiment_score":-0.16700778901576996},{"text":"Yeah.","start":3495.3,"end":3495.8,"sentiment":"neutral","sentiment_score":-0.10172989219427107},{"text":"Okay.","start":3496.4202,"end":3496.9202,"sentiment":"neutral","sentiment_score":-0.05851654335856438},{"text":"Yeah.","start":3505.2449,"end":3505.7449,"sentiment":"neutral","sentiment_score":0.022954260930418968}],"sentiment":"neutral","sentiment_score":-0.14025438739918172,"num_words":8,"start":3487.525,"end":3505.7449},{"sentences":[{"text":"Mhmm.","start":3509.7249,"end":3510.2249,"sentiment":"neutral","sentiment_score":0.06649281084537506},{"text":"Mhmm.","start":3525.24,"end":3525.74,"sentiment":"neutral","sentiment_score":-0.01921004056930542},{"text":"Mhmm.","start":3534.615,"end":3535.115,"sentiment":"neutral","sentiment_score":-0.115774467587471},{"text":"Okay.","start":3540.855,"end":3541.355,"sentiment":"neutral","sentiment_score":0.019994430243968964},{"text":"Alright.","start":3541.7349,"end":3542.1,"sentiment":"neutral","sentiment_score":0.08309455215930939}],"sentiment":"neutral","sentiment_score":0.0069194570183754,"num_words":5,"start":3509.7249,"end":3542.1},{"sentences":[{"text":"Okay.","start":3561.035,"end":3561.535,"sentiment":"neutral","sentiment_score":0.04780956730246544},{"text":"So just to confirm, this is Oakview Financial?","start":3561.915,"end":3566.175,"sentiment":"neutral","sentiment_score":0.03767708921805024},{"text":"Okay.","start":3567.9949,"end":3568.395,"sentiment":"neutral","sentiment_score":0.00989579502493143},{"text":"Because I don't Jordan, you said rang me yesterday.","start":3568.395,"end":3573.8098,"sentiment":"neutral","sentiment_score":-0.07194830973943074},{"text":"Oh, maybe I didn't write down.","start":3573.8699,"end":3574.99,"sentiment":"neutral","sentiment_score":-0.0997375560303529}],"sentiment":"neutral","sentiment_score":-0.03547352191060781,"num_words":25,"start":3561.035,"end":3574.99},{"sentences":[{"text":"Because I write down everything.","start":3574.99,"end":3576.03,"sentiment":"neutral","sentiment_score":-0.08427037298679352},{"text":"I must have scribbled down on another page.","start":3576.03,"end":3577.79,"sentiment":"neutral","sentiment_score":-0.08529783599078655},{"text":"Oh, good.","start":3577.79,"end":3578.53,"sentiment":"neutral","sentiment_score":0.029938731342554092},{"text":"I know I was asked about my super like, no.","start":3579.5498,"end":3581.8699,"sentiment":"neutral","sentiment_score":-0.08104353547096252},{"text":"I already have something set up.","start":3581.8699,"end":3583.39,"sentiment":"neutral","sentiment_score":-0.0808736365288496}],"sentiment":"neutral","sentiment_score":-0.07546884722767337,"num_words":31,"start":3574.99,"end":3583.39},{"sentences":[{"text":"Some I think I had that conversation.","start":3583.39,"end":3585.01,"sentiment":"neutral","sentiment_score":-0.03534942386405809},{"text":"Oh, yeah.","start":3585.155,"end":3585.515,"sentiment":"neutral","sentiment_score":-0.006016860716044902},{"text":"There we go.","start":3585.515,"end":3586.355,"sentiment":"neutral","sentiment_score":-0.01564253804584344},{"text":"Yesterday.","start":3586.355,"end":3586.855,"sentiment":"neutral","sentiment_score":0.005384565331041813},{"text":"Yes.","start":3592.9949,"end":3593.4949,"sentiment":"neutral","sentiment_score":0.006564195733517408}],"sentiment":"neutral","sentiment_score":-0.021032752968104824,"num_words":14,"start":3583.39,"end":3593.4949},{"sentences":[{"text":"What of Caden?","start":3597.635,"end":3598.615,"sentiment":"neutral","sentiment_score":-0.006383967275420825},{"text":"Is Caden there as well?","start":3598.675,"end":3600.03,"sentiment":"neutral","sentiment_score":-0.002422828879207373},{"text":"Yes.","start":3604.11,"end":3604.61,"sentiment":"neutral","sentiment_score":0.032527655363082886},{"text":"Ah, yes.","start":3606.59,"end":3609.57,"sentiment":"neutral","sentiment_score":0.013290842063724995},{"text":"I don't recall Jordan.","start":3611.23,"end":3612.43,"sentiment":"neutral","sentiment_score":-0.07751589454710484}],"sentiment":"neutral","sentiment_score":-0.01881468566134572,"num_words":15,"start":3597.635,"end":3612.43},{"sentences":[{"text":"Maybe that's why I'm sounding confused, but that's fine.","start":3612.43,"end":3615.195,"sentiment":"neutral","sentiment_score":-0.07940817065536976},{"text":"I recall Caden and I recall Martin on the seventeenth it was.","start":3615.435,"end":3619.915,"sentiment":"neutral","sentiment_score":-0.007967971226510903},{"text":"Yeah.","start":3619.915,"end":3620.415,"sentiment":"neutral","sentiment_score":0.00006977515295147896},{"text":"But I spoke with her.","start":3620.5552,"end":3621.855,"sentiment":"neutral","sentiment_score":0.0018800151534378528},{"text":"Martin.","start":3622.875,"end":3623.375,"sentiment":"neutral","sentiment_score":0.005820071790367365}],"sentiment":"neutral","sentiment_score":-0.02839283099664109,"num_words":28,"start":3612.43,"end":3623.375},{"sentences":[{"text":"Yes.","start":3624.475,"end":3624.975,"sentiment":"neutral","sentiment_score":0.00618701009079814},{"text":"Yeah.","start":3627.115,"end":3627.615,"sentiment":"neutral","sentiment_score":0.004561048466712236},{"text":"Okay.","start":3629.36,"end":3629.86,"sentiment":"neutral","sentiment_score":-0.0004162001423537731},{"text":"Yes.","start":3632.32,"end":3632.82,"sentiment":"neutral","sentiment_score":0.008902477100491524},{"text":"Ah, okay.","start":3633.76,"end":3634.32,"sentiment":"neutral","sentiment_score":0.03817584924399853}],"sentiment":"neutral","sentiment_score":0.015931005667274196,"num_words":6,"start":3624.475,"end":3634.32},{"sentences":[{"text":"That's why.","start":3634.32,"end":3635.22,"sentiment":"neutral","sentiment_score":0.04099754989147186},{"text":"Excellent.","start":3635.4402,"end":3635.9402,"sentiment":"neutral","sentiment_score":0.28146129846572876},{"text":"Just to keep me confused even more.","start":3636.72,"end":3638.74,"sentiment":"negative","sentiment_score":-0.42395344163690296},{"text":"Okay.","start":3647.4749,"end":3647.875,"sentiment":"neutral","sentiment_score":0.13724911212921145},{"text":"Thank you so much for your call.","start":3647.875,"end":3650.033,"sentiment":"neutral","sentiment_score":0.2502023066793169}],"sentiment":"neutral","sentiment_score":-0.03975291301806768,"num_words":18,"start":3634.32,"end":3650.033},{"sentences":[{"text":"Alrighty.","start":3651.853,"end":3652.353,"sentiment":"neutral","sentiment_score":0.1582432985305786},{"text":"Have some.","start":3652.813,"end":3654.653,"sentiment":"neutral","sentiment_score":0.05964735150337219},{"text":"Alright.","start":3654.653,"end":3655.153,"sentiment":"neutral","sentiment_score":0.10182218998670578},{"text":"Bye.","start":3655.6929,"end":3656.1929,"sentiment":"neutral","sentiment_score":0.06220974773168564}],"sentiment":"neutral","sentiment_score":0.08831398785114289,"num_words":5,"start":3651.853,"end":3656.1929}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Good afternoon, Pearl. Larissa here from OC Financial. How are you going?\n\nChannel 1: I'm well. Thank you so.\n\nChannel 0: Really good. Thank you. I'm the head of financial advice. I was giving you a call to go through and have a discussion with you with respect to the the advice that you were looking to seek. I know that you've been speaking with my team, Maddie and and Jordan.\n\nYeah. So I guess before I do jump into it, I do need to let you know that our calls are recorded. And then from there, I guess the best thing for me to do is just to, in your own words, find out where you're at and what you're trying to, like, look at advice, what advice areas you're looking to engage in, and and what you're looking to achieve with respect to the advice.\n\nChannel 1: Sure. Thank you. Sorry. I missed your name. Is it Lisa?\n\nChannel 0: Larissa.\n\nChannel 1: Sorry. Larissa.\n\nChannel 0: That's okay.\n\nChannel 1: Okay. And it's from Oakview.\n\nChannel 0: Financial.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. So thank you, Larissa. The reason I was wanting to come come have a conversation is about just having that, you know, financial plan ahead of retirement, have a goal and put things in place. Yeah. I also want to look at what options I have there.\n\nLike I said, goals, look at what options I have that are available to me, and also, yeah, the goals, options in terms of, you know, property shares and how to diversify.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Those are the key things and whatever else needs to that you would inform someone that needs to be sort of financially responsible and looking towards retirement in the few years. Yeah.\n\nChannel 0: Yeah. Perfect. Can I ask, how how old are you? So when is when is retirement for you?\n\nChannel 1: Yeah. Well, I'm 51 at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. So retirement from would be paying from the gold how the gold a bit.\n\nChannel 0: Okay. And then it's just yeah. Depending on on where things fall from there\n\nChannel 1: Yeah.\n\nChannel 0: as to whether\n\nChannel 1: I mean,\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: could've said it today if if I had a\n\nChannel 0: always away. If we could just retire today, we all would.\n\nChannel 1: Yes. Exactly.\n\nChannel 0: Okay. So we're looking to sort of look at, like, shares of property\n\nChannel 1: Yes.\n\nChannel 0: and\n\nChannel 1: Simple.\n\nChannel 0: see where those things fit.\n\nChannel 1: Yeah. SMS is self managed super funds, potentially. Yes. Whatever\n\nChannel 0: Okay.\n\nChannel 1: is the manage funds other than the SMS. It's just what you you would just financial advice. Yeah.\n\nChannel 0: Yeah. Okay. Cool. No. That's alright.\n\nSo financial advice forms multiple different, I guess, areas. And I can I can see that you have your primary residence, so the home that you live in, and then you'd already have an investment property as well? Looks like you have a bit of equity within those properties that you could potentially utilize to purchase again. But are you wanting to hold those the property in your own name, or are you wanting to sort of diversify out into an SMSF fund specifically for property purchase?\n\nChannel 1: So it doesn't have to be my own name. You mean future property that I purchased, you mean? Like, in\n\nChannel 0: Yes.\n\nChannel 1: future ones?\n\nChannel 0: Yes.\n\nChannel 1: I\n\nChannel 0: Yes. So, like, a,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, future property.\n\nChannel 1: Yeah. It doesn't have to be my name, and it doesn't have to be necessarily within SMSF.\n\nChannel 0: Okay. So it's just you're open to to either option.\n\nChannel 1: So I'm open to yeah. Probably not. Yeah. Once you have a view of it, maybe tell me if you maybe you might say buy one more in your name first or\n\nChannel 0: Yep.\n\nChannel 1: because I've got a a trust. I've got a company that I could I've created a trust that I could potentially buy the property in, but I haven't used it yet. So I'm sort of working my way towards my goal, but I just need some advice, I guess, in terms of, you know, how best to and the priority of those things as well,\n\nChannel 0: Yep.\n\nChannel 1: maybe. Yeah.\n\nChannel 0: Yeah. Okay. Alright. So let's I guess, let me go through and and sort of grab a couple of details so I can fill a few things out\n\nChannel 1: Mhmm.\n\nChannel 0: and just get more of a an overarching understanding of where you sit. So\n\nChannel 1: Yes.\n\nChannel 0: I understand you work in, like, IT. You're fully administration based.\n\nChannel 1: Yes.\n\nChannel 0: And we're a contractor. Is that correct? Yep. Alright. Fantastic.\n\nAre you do you contract to the one company, or\n\nChannel 1: Yes.\n\nChannel 0: do you contract to multiple different firms?\n\nChannel 1: Well, at the moment, one, ideally, multiple when and I mean, working for different doing different providing services to multiple is where I want to be. But at the moment, it's the one.\n\nChannel 0: Okay.\n\nChannel 1: Sorry, sir. Let me let me rephrase that. It's one at a time.\n\nChannel 0: Yeah. Yeah. One at a time. Yep.\n\nChannel 1: Yeah. So,\n\nChannel 0: Alright.\n\nChannel 1: yeah, I'm not just stuck at the one one place, but I do\n\nChannel 0: Yeah.\n\nChannel 1: once the contract finishes, I will then go to another place. But I would like to do multiple at a time if that's what the question was about.\n\nChannel 0: Yeah. Yeah. That's perfect. And the contract, usually a twelve month contract? Or\n\nChannel 1: Usually.\n\nChannel 0: Very.\n\nChannel 1: Yeah.\n\nChannel 0: Usually?\n\nChannel 1: Usually.\n\nChannel 0: Fine. Okay.\n\nChannel 1: Six\n\nChannel 0: Perfect.\n\nChannel 1: to twelve months. Yeah.\n\nChannel 0: Six to twelve. Alright. Perfect. Now income wise, what kind of income is the contract work producing? And then secondarily to that, what are you paying yourself, or are they the same amount\n\nChannel 1: Yeah. Okay.\n\nChannel 0: less\n\nChannel 1: So\n\nChannel 0: tax?\n\nChannel 1: I'm not putting myself on a salary\n\nChannel 0: Yep.\n\nChannel 1: yet. I have to that's another thing. I have to structure that in a way that benefits me the most at the moment. It's just not structured yet because it's\n\nChannel 0: Yeah.\n\nChannel 1: worth only, like, almost three years old now. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm still a little baby in that regard. So I I everything just goes into that company account, and I just do director drawings, and that's sort of classified as income for me. There's no sort of wages or salary that I\n\nChannel 0: Yeah.\n\nChannel 1: pay Yeah. And so the super and on the back of that is the superannuation, like, concessional contributions. Yeah. So as a result, there's no regular. I just put in I I tried to max it out last financial year for my non concessional.\n\nSo is it not yes.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Concessional, but I know what\n\nChannel 1: That's\n\nChannel 0: you mean.\n\nChannel 1: definitely not. Yeah. But I would like to also talk about not only maxing out, but, you know, advice around the nonconsensual part of it as well.\n\nChannel 0: Yeah.\n\nChannel 1: Maxing that out. Oh, not maxing out, but adding additional on top of what is the concessional one. Yep.\n\nChannel 0: Yeah. Okay. Cool. No. That's good.\n\nAlright. So we're we've been maxing out concessional, possibly looking at nonconcessional avenues. Do you know what like, if you were to look at 12 like, over the last twelve months, what what income has come in for, like, the company?\n\nChannel 1: Okay. About the last twelve months, I'll have to check. Let me see. Maybe ballpark, let's say, not a lot of this financial year, but let's say around $80.90, they're about. And we only have\n\nChannel 0: K.\n\nChannel 1: two months or three months left here. So the previous year was way more, but last you so you mean last financial year or this one?\n\nChannel 0: Like, the yeah. This financial year.\n\nChannel 1: Okay. Yeah. So yeah. So this one, yeah, around about 90, maybe. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: 8\n\nChannel 0: And then\n\nChannel 1: to 90.\n\nChannel 0: with two months left to go, would you say that you're sort of still on track for that maybe 90 just pushing into the 100,000?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Okay. And then last financial year, what did you do you know what you turned over?\n\nChannel 1: Last financial year was I think it was, like, $2.20, something like that.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Quite a substantial drop between years.\n\nChannel 1: Yeah. Yeah. I didn't I didn't work for a couple of months this financial year. That's why.\n\nChannel 0: Okay. Just out of choice or just the contract ended and it was time between the two?\n\nChannel 1: Yeah. Just time between the two. Yeah.\n\nChannel 0: Okay. Alright. That's okay. So this financial year, are we going to be making, like, maxima sorry. Are we going to be maximizing the concessional contributions, or does cash flow restrict that?\n\nChannel 1: No. I I intend to max out. And that's\n\nChannel 0: Okay.\n\nChannel 1: why I thought yeah. I intend to because I think the max is 30. I've not\n\nChannel 0: 30.\n\nChannel 1: even added anything this year at all, so I plan\n\nChannel 0: Okay.\n\nChannel 1: to max out this year. Yep.\n\nChannel 0: Okay. Now do you know what's sitting in the company as sort of capital at the moment, like, within the bank accounts?\n\nChannel 1: Yes. Just give me one quick tick.\n\nChannel 0: You're okay.\n\nChannel 1: I have removed some. So right now, I have this 59 let's see\n\nChannel 0: 60,000.\n\nChannel 1: 60. Yep. 60 at the moment. Alright.\n\nChannel 0: Okay. And the structure of the company, is it a trust with a company, or is it just a company structure?\n\nChannel 1: This is just a company structure. The other one I was telling you about the trust is a different company altogether.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. The\n\nChannel 0: No.\n\nChannel 1: one\n\nChannel 0: That's okay.\n\nChannel 1: I was, yeah, intending for the property purchase.\n\nChannel 0: Oh, okay. Perfect. So I guess to make it clear in my head and make sure that I've got everything covered, the company so the company that you're operating the business under, what's it called?\n\nChannel 1: It's called let's call it RPL.\n\nChannel 0: Up here.\n\nChannel 1: Okay.\n\nChannel 0: Perfect.\n\nChannel 1: It's RPL. Yes.\n\nChannel 0: Fantastic.\n\nChannel 1: RPL.\n\nChannel 0: And then the trust, does that have, like, a name? I mean, it will, but\n\nChannel 1: Yeah. I can't remember right now. I've I've literally gone into it, like, once or twice since it was created almost ten months ago.\n\nChannel 0: that's okay.\n\nChannel 1: You know? Trying to, you know, get into it, but then things just slowed down. So I was like, yeah.\n\nChannel 0: No.\n\nChannel 1: Mhmm.\n\nChannel 0: That's okay. So is that just a trust or is that a trust with a company structure?\n\nChannel 1: So that's in the company\n\nChannel 0: Trusting company. Alright. And currently, that owns nothing?\n\nChannel 1: structure. It owns nothing, but I was wanting to actually start diverting the my salary into the into the trust. I was going to start it, so that's another thing too. But I don't know if I should wait till, you know, the end of this financial year and just start or just start putting the again, just for tax advantages, but I don't know if there's any advantage this year. Do you know what I mean?\n\nI don't just wanna\n\nChannel 0: Yep.\n\nChannel 1: put it there so they complicate and have to pay because at the end, I think the accountant, they charge you when they're dealing with another entity to do\n\nChannel 0: Yes.\n\nChannel 1: your tax refund. So, you know, I don't wanna pay $2,000, and I only have $20,000 a day\n\nChannel 0: Yeah. And\n\nChannel 1: sort of\n\nChannel 0: what\n\nChannel 1: thing.\n\nChannel 0: would you do what would you do under the trust?\n\nChannel 1: Okay. So under the trash, what I would do is do some share. I would like\n\nChannel 0: Yes.\n\nChannel 1: to do some share straight in the\n\nChannel 0: Perfect.\n\nChannel 1: property per property. You know?\n\nChannel 0: Yep.\n\nChannel 1: I don't know. Yeah. If I get a property, then I would like to put it through the draft.\n\nChannel 0: Yeah. No.\n\nChannel 1: I have\n\nChannel 0: Cool.\n\nChannel 1: not yeah.\n\nChannel 0: Because my my concern is is that if we start paying out income into the trust, trust trusts are taxed at 47% for any capital\n\nChannel 1: Woah.\n\nChannel 0: that's held.\n\nChannel 1: Is he? I didn't\n\nChannel 0: Yeah.\n\nChannel 1: know that.\n\nChannel 0: So and it'll depend on which struct which trust structure you have, but, realistically, you're probably I'm assuming a discretionary trust is what you've set up.\n\nChannel 1: Hello? Yes.\n\nChannel 0: And the\n\nChannel 1: Yes.\n\nChannel 0: the\n\nChannel 1: Mhmm.\n\nChannel 0: yep. It's the family or a discretionary, and generally speaking, it's it's more than likely a discretionary.\n\nChannel 1: Yes.\n\nChannel 0: So, yeah, it's taxed at 40474747% tax on anything that's held within the trust. Now there are some ways that we can tax mitigate, reduce, and strategies that we can implement, but, yeah, definitely don't just start transferring the income into the trust and holding it\n\nChannel 1: Yeah.\n\nChannel 0: because it becomes capital and capital under the trust\n\nChannel 1: Yeah.\n\nChannel 0: tax. So\n\nChannel 1: Okay. Even if I was gonna do shares with them, don't just transfer.\n\nChannel 0: yeah. Under the shares, like, there's there's structures that we can incorporate to make sure that it's all kosher. But, yeah, we you don't just don't just transfer it in and and let it hold. We need to make sure that we set it up properly.\n\nChannel 1: Mhmm. Okay. Alright.\n\nChannel 0: So we can definitely help with that to make sure that we're we're tax minimizing and we're being smart in that form. Now property and shares, a 100%, we can we can have it all operating that way. Would No. That's okay. Perfect.\n\nNow other assets that you hold, so is it just the two properties that you own? Do we have any any vehicles or money in your personal bank account?\n\nChannel 1: Okay. So for the vehicle, no. My vehicle is pretty much just they're just going, taking me from a to b, so there's nothing more in there.\n\nChannel 0: Yep.\n\nChannel 1: So I wouldn't call that an asset. Then there's also oh, yeah. So for the account bid, I do have in the offset. So\n\nChannel 0: Yeah.\n\nChannel 1: I do have money in the offset, and that is the 200.\n\nChannel 0: 200, you say?\n\nChannel 1: Yes.\n\nChannel 0: 200? Perfect.\n\nChannel 1: K.\n\nChannel 0: So\n\nChannel 1: Yeah. On the\n\nChannel 0: I\n\nChannel 1: k.\n\nChannel 0: just want\n\nChannel 1: Yeah.\n\nChannel 0: so I just wanna double check. The our primary place of residence is worth about 1,500,000,\n\nChannel 1: Yes.\n\nChannel 0: and then the debt on it is 400,000. Is that including the money in offset? So the actual debt is 600, or is it 400,000 and you've offset 200, so you're only incurring interest on the remaining 200?\n\nChannel 1: Yes. So, actually, to be complete, it's actually yes. It's original debt was 2, but I just took a loan because I'm trying to do, like, a a build behind the property.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So that's why I'm just working with the the build amount. So the build amount\n\nChannel 0: Yep.\n\nChannel 1: is going to be around 3, actually. So yep.\n\nChannel 0: Okay.\n\nChannel 1: And then but I was gonna rent it and then get income from there.\n\nChannel 0: Okay. So\n\nChannel 1: So\n\nChannel 0: we're\n\nChannel 1: it's\n\nChannel 0: we're\n\nChannel 1: gonna\n\nChannel 0: basically\n\nChannel 1: look different by the end of this year, by the time the bill is complete.\n\nChannel 0: no. That's okay. So are you currently on, like, a builder's loan?\n\nChannel 1: Yes. But it's all it's I'm not paying anything. It's\n\nChannel 0: Yeah.\n\nChannel 1: zero.\n\nChannel 0: Until it's built. Yeah. So\n\nChannel 1: Yeah. And then I have another\n\nChannel 0: yep.\n\nChannel 1: savings that I'm gonna use towards that so that I'm not paying any interest until it's complete.\n\nChannel 0: Okay. So the current loan would be 200,000 then, and you fully offset that with the offset account. But then you have a a pending builder's loan for about 300,000\n\nChannel 1: Correct.\n\nChannel 0: that\n\nChannel 1: Correct.\n\nChannel 0: will that will get released as you go through staging.\n\nChannel 1: Yeah. When it's finished, I will use so I've got another backup that I'm going\n\nChannel 0: Yes.\n\nChannel 1: to use for that build so that I'm not paying any interest until I absolutely have to.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Okay.\n\nChannel 1: really, I have, like, 4 in savings, if you wanna put it that way.\n\nChannel 0: Okay. So we've got 200 in the offset, and then we have, like, another bank account that has another 200,000.\n\nChannel 1: Yes.\n\nChannel 0: Okay. Perfect. And we're intending on shifting that money into the offset once the bill's released because we don't wanna incur any interest. Then\n\nChannel 1: Correct. Correct. So no. No. It's it's a bit\n\nChannel 0: Mhmm.\n\nChannel 1: moved no. No. Sorry. The offset will remain. The loan building loan will remain.\n\nBut\n\nChannel 0: Yep.\n\nChannel 1: then I'll use the spare second account that has the 2 k $4,200 k for the building.\n\nChannel 0: Yep. And\n\nChannel 1: And then I'll pay myself once the building is complete.\n\nChannel 0: you\n\nChannel 1: I'll pay myself back. I'll transfer from the bank loan into my account if I can. I think I can. Don't know. Can't I?\n\nChannel 0: Well, if the money's been exhausted, no. It'll just depend on so, like so so right now, theoretically speaking, you could with the money that's an offset, you could pay off your your primary foot your primary residence loan. You obviously haven't because it it the money in offset gives you liquidity. There's no\n\nChannel 1: Yes.\n\nChannel 0: problems there. You've\n\nChannel 1: Yes.\n\nChannel 0: applied for and taken out a building loan, and\n\nChannel 1: Yes.\n\nChannel 0: that'll sit there as basically a pending loan that will get drawn. So if if if it's being accepted, the builder basically has access. And what will\n\nChannel 1: No.\n\nChannel 0: happen\n\nChannel 1: They don't. I've I've got control of that.\n\nChannel 0: yeah. So what what\n\nChannel 1: Sorry.\n\nChannel 0: will happen\n\nChannel 1: Yep.\n\nChannel 0: is no. Yeah. What will happen is when when you go through staging with with the build, so once the foundation's poured, the builder is able to apply to the lender to say, hey. We've met this requirement. This amount of money can be released.\n\nChannel 1: Correct. How\n\nChannel 0: Generally,\n\nChannel 1: maybe\n\nChannel 0: that's\n\nChannel 1: I didn't\n\nChannel 0: that's how building loans\n\nChannel 1: explain\n\nChannel 0: work, generally.\n\nChannel 1: correct. Yes. You're right. You're absolutely right. But in my case, I've taken it just as a a loan.\n\nIt's not called a building loan. It's just a loan.\n\nChannel 0: Okay.\n\nChannel 1: Do\n\nChannel 0: It's\n\nChannel 1: you understand?\n\nChannel 0: just the standard\n\nChannel 1: So\n\nChannel 0: loan.\n\nChannel 1: yes.\n\nChannel 0: Right.\n\nChannel 1: So that's why I can book transfer at will.\n\nChannel 0: Understood.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: yeah. That's why I was trying to explain. So what I\n\nChannel 0: Yeah.\n\nChannel 1: have in this pay, I will use that to pay the builder, and then the what's in the loan. Once the building is almost complete, I'll transfer it into my one, then I can start repaying that loan.\n\nChannel 0: Understood. Perfect. Okay. Cool.\n\nChannel 1: Sorry. I got\n\nChannel 0: No.\n\nChannel 1: there in\n\nChannel 0: No.\n\nChannel 1: the\n\nChannel 0: No.\n\nChannel 1: end.\n\nChannel 0: It's so okay. Alright. So I guess let's let's just call them two loans because that essentially, that's what they are. With the two loans, one of them hasn't been drawn down on, so it's fully offset right now.\n\nChannel 1: Yes. Yeah. Toulon. Correct. Yeah.\n\nYep.\n\nChannel 0: And then we've got our investment property, and I've got a value of about 1.1 mil.\n\nChannel 1: Yes.\n\nChannel 0: It's about 500,000 in debt on the mortgage.\n\nChannel 1: On the yes. Yes.\n\nChannel 0: On that mortgage?\n\nChannel 1: In\n\nChannel 0: Fantastic.\n\nChannel 1: the invest investment one.\n\nChannel 0: Investment\n\nChannel 1: Yes. Yep.\n\nChannel 0: property.\n\nChannel 1: When\n\nChannel 0: Yeah. And what's the income from that property?\n\nChannel 1: you see income, you mean the rent?\n\nChannel 0: Yeah. Yeah. Right.\n\nChannel 1: Okay. So it's it's 1,100 per week.\n\nChannel 0: 1,100 per week? Alright. Is that the gross amount before, like, the real estate's taken any of their fees or anything like that?\n\nChannel 1: At the moment, yes. It is the gross amount. The it's not being this one with the real estate at the moment. So\n\nChannel 0: Okay. Alright.\n\nChannel 1: yes.\n\nChannel 0: Perfect. Amazing. And then you said you had another bank account that basically had that 200,000 sitting in it as well. Alright. Are there any other assets, shares, any little hidey holes, or\n\nChannel 1: Yes.\n\nChannel 0: anything like that that I need to know about?\n\nChannel 1: Shares, I got about seven k days. Not a lot, so I'm trying to grow that.\n\nChannel 0: Yep. Is that personally owned? Where where where have we traded\n\nChannel 1: Yeah.\n\nChannel 0: through?\n\nChannel 1: Yes. Personal. CMC.\n\nChannel 0: Yep.\n\nChannel 1: So it's it's it's personal. It's under my name. It's under any\n\nChannel 0: Yep.\n\nChannel 1: entity or yeah.\n\nChannel 0: Nope. That's absolutely okay. Perfect. Okay. So we've got we've got some decent assets built up, and we're looking to possibly go out and buy more assets.\n\nSo shares property possibly under a trust structure, but we wanna be tax effective with it.\n\nChannel 1: Mhmm.\n\nChannel 0: And then a possibility to maybe shift some of your income or all of your income from your the comp like, RPL company over into the trust. To be able to figure out what yeah. No. You're you're you're okay. Go ahead.\n\nChannel 1: No. No. No. No. I was just agreeing.\n\nChannel 0: Yeah. To be able to figure out what that, I guess, kinda looks like, I need to know what your lifestyle looks like. So what income you actually require to be able\n\nChannel 1: Yeah.\n\nChannel 0: to live\n\nChannel 1: Yeah.\n\nChannel 0: day to day.\n\nChannel 1: Yeah. So so I'm very light. So oh my gosh. I had this amount. My my expenditure, I should have written this figure down because it keeps I don't do so my expenditure, I think I had was it five I have to double check.\n\nI let me let me quickly give you because if the math has been done, I don't want to start doing the math again.\n\nChannel 0: No. You're okay.\n\nChannel 1: I did provide it to the person that did my lending. Let me see. Don't also give it a long ago. Can you ask me some other questions while I'm looking for that? I'm just on\n\nChannel 0: Yeah.\n\nChannel 1: my\n\nChannel 0: Of\n\nChannel 1: email\n\nChannel 0: course.\n\nChannel 1: straight away. If there's other ones, I don't wanna hold up.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: You're\n\nChannel 1: do know\n\nChannel 0: so\n\nChannel 1: that\n\nChannel 0: fine.\n\nChannel 1: I give it to\n\nChannel 0: Okay. So with with your expenses, does that include the two kids?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: But I\n\nChannel 0: And\n\nChannel 1: co parent. So\n\nChannel 0: okay. And that was gonna be my next question. Do you co parent or is there, like, a split parental relationship? Is there any child support that has to be paid on either either side? Or\n\nChannel 1: so I received child support.\n\nChannel 0: Yep.\n\nChannel 1: So my second I mean, the seventeen year he'd be 18 at the end of this in October, so that's pretty much almost\n\nChannel 0: Exhausted.\n\nChannel 1: yeah. So but, yeah, I do receive some, yep,\n\nChannel 0: Okay.\n\nChannel 1: support. Do not find it.\n\nChannel 0: And I I just, I guess, wanna ask, all the assets that you own, you own per like, you own yourself.\n\nChannel 1: My name.\n\nChannel 0: There's no one else. Yeah. There's no one else that owns them shared with you?\n\nChannel 1: No.\n\nChannel 0: No. Cool. Just wanna double check. Alright. Perfect.\n\nSo with with respect to, I guess, the superannuation contributions and possibly looking at alternative income sources for you and looking at sort of where we can direct some of your your assets, I do wanna have a look at your super fund. I understand that you do have Rider Super as your\n\nChannel 1: Mhmm.\n\nChannel 0: superannuation platform and about $380,000 sitting within the fund.\n\nChannel 1: Yes.\n\nChannel 0: What I would like to look at and it's not something you necessarily have to get today. It's something that, you know, I can send an email for like, to you for you to sort of maybe provide it at a later date.\n\nChannel 1: Mhmm.\n\nChannel 0: But I wanna look at the historical amounts of money that you put into the account over the over the\n\nChannel 1: Oh,\n\nChannel 0: last number of years. It's something you can\n\nChannel 1: yes.\n\nChannel 0: obtain from the ATO. And the reason I wanna look at that is, a, from a tax effective point of view, whilst you may have been maxing out, you know, the $30,000 contribution for the last couple and while you've been, you know, as a company structure working for yourself for the last three years, there may be a couple of years that we could use the caps and do it tax effectively.\n\nChannel 1: You mean to accumulate the to use the tax from previous years? I mean, that you mean to max out previous years? Okay.\n\nChannel 0: Contribution caps. Yeah.\n\nChannel 1: Yeah. Because, yeah, it was only 30. I've only been doing this maxing out on the last financial. Pre prior to that, everything I was pagey. I've only started this contracting thing in the last three years.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, it was PG prior to that.\n\nChannel 0: Okay.\n\nChannel 1: So it was just taken from my employer directly.\n\nChannel 0: Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: you weren't maxing out the contribution caps. You were you\n\nChannel 1: No.\n\nChannel 0: were just\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: It wasn't.\n\nChannel 0: were just the caps\n\nChannel 1: Mhmm.\n\nChannel 0: were with yeah. So can I ask before you went to contractor or, like so last before last financial year where you went to 02/20, what was your rough income prior to that?\n\nChannel 1: So financial year 2223 was the last year I did with salary. Income was one I think it was $1.20 average. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. For many years. Yep. Right. It grew ninety, hundred, one ten.\n\nBut yeah. So\n\nChannel 0: Yeah. Okay. So quite a jump between between, you know, 01/20 up to 02/20. And\n\nChannel 1: yeah.\n\nChannel 0: then,\n\nChannel 1: Because I was contracting, and that's why. Because yeah. Well, I\n\nChannel 0: you\n\nChannel 1: didn't work for actually, I didn't work for, like, six months. So almost six months. So\n\nChannel 0: know.\n\nChannel 1: but here we are. And that's why I'm trying to get a positive cash flow as well.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Just get everything\n\nChannel 1: yep.\n\nChannel 0: sorted.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay. So\n\nChannel 1: I haven't\n\nChannel 0: I guess\n\nChannel 1: found that information. I'm sorry. Let\n\nChannel 0: no.\n\nChannel 1: me\n\nChannel 0: That's okay. I can always send you an email, and you can just reply to the\n\nChannel 1: see.\n\nChannel 0: email when\n\nChannel 1: Yeah.\n\nChannel 0: you have a chance to have a look for it. Or sometimes, you know it's there. It's just digging for it. It's\n\nChannel 1: It's here. Mhmm.\n\nChannel 0: pain. Do you know have you like, as a business, generally, you know, sort of you'll do a trajectory forward to sort of future plan for the business. What's the business trajectory for next financial year? So that's '26, '27.\n\nChannel 1: So it's not you know, like, I if I have employers. It's it's\n\nChannel 0: Yeah.\n\nChannel 1: a consult like, you know what I mean? It's just this self contracting thing where I provide offer my services. Well, that's my trajectory because I've got another year's worth of contracts now. So let me do the math again. I think it's time 52.\n\nBear with me. Some my trajectory. So this is before tax. Right?\n\nChannel 0: Yes. Yeah. Gross.\n\nChannel 1: Yeah. Of course. Okay. Okay. So it should check through the it's 2 oh, how is that?\n\nIt's 220. Let's see. 220.\n\nChannel 0: Okay. Perfect. So that means that based on that, next financial year will probably be where we can start really executing some of the strategies more heavily than this financial year, especially if you're on track for that 90 to a 100 by the end by the close of this financial year.\n\nChannel 1: Mhmm.\n\nChannel 0: You've you\n\nChannel 1: Okay.\n\nChannel 0: we're gonna be sort of capping out a lot of from a tax effective point of view, we're gonna be capping out a lot of of strategies. You know? If we start putting too much into the super fund or too many too much money into certain buckets,\n\nChannel 1: Yeah.\n\nChannel 0: what's gonna happen is you get you're just gonna you're gonna cap out tax wise, and there's gonna be no benefit to moving the money around this year. But next year, if we're on on on track to do that 02/20, we can much more tax effectively start strategizing.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: That doesn't mean that we we, you know, we stop or or pause anything right now. It just means that we can start future planning really nicely and effectively.\n\nChannel 1: Yeah. That's right. Because even with the, you know, with the income, you know, there's this quote seventy, thirty, 20 rule or something like that. So I wanted to start just doing the, you know, the shares and just putting everything on auto so that I can transfer and get the shades bought every every week and things like that. But I guess I wanted to have a plan first before doing that, and it's been on my mind now for three years, simply.\n\nChannel 0: Yeah.\n\nChannel 1: So I don't have any structure in place, which is, yeah, killing me.\n\nChannel 0: Yeah. Okay. No. That's okay. We can definitely sort of structure things a little bit better with regards to where we're directing money and how we're the overall function of things.\n\nIs there anything, I guess, that I haven't, I guess, touched on that you have as an overarching goal that you're trying to work towards? So whether it be make sure that you have money put aside for the kids and have have some, you know, investments for them for when they get a little bit older, or, you know, is it that you need to buy a new car? Is it that you know, anything else apart from, like, I\n\nChannel 1: Yeah.\n\nChannel 0: guess, the big ones that we've touched on?\n\nChannel 1: I was not I'm not a big fan of well, once this is all done, then my head space will be in a different place, I guess. Then I'll be like, alright. Let me review my goals. But\n\nChannel 0: Yeah.\n\nChannel 1: I definitely yeah. That's another thing to buying a car. Like, is it in the company name? I don't wanna buy one. It has to be, like, sort of an, you know, the account, and they said they have some strict rules around putting the car, buying the car in the company anymore.\n\nJust buying the car and paying from the company account, I guess.\n\nChannel 0: Yeah.\n\nChannel 1: So I'd like to do that, but there's not a lot there this financial year anyway\n\nChannel 0: Yeah.\n\nChannel 1: at this moment. So it will have to be in the next financial year. I definitely want to do that\n\nChannel 0: Yeah. So\n\nChannel 1: to\n\nChannel 0: you\n\nChannel 1: get\n\nChannel 0: you\n\nChannel 1: something.\n\nChannel 0: you're gonna\n\nChannel 1: Yeah.\n\nChannel 0: need a new car?\n\nChannel 1: Yes. Because well, my son's eight and eight and so and so much. He might get my old one.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: I'm whispering because he's home.\n\nChannel 0: That's okay. Perfect. So you'll you'll need a new car, so possibility\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: to buy it. Yeah. Alright.\n\nChannel 1: That's definitely\n\nChannel 0: So\n\nChannel 1: one.\n\nChannel 0: yeah.\n\nChannel 1: Yep. I guess traveling. But, again, these are these things are falling place, but it's definitely a goal.\n\nChannel 0: As they come.\n\nChannel 1: It's not\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I just want to do the work now and then yep.\n\nChannel 0: Nope.\n\nChannel 1: But then put money aside, I guess, for the just have that structure for\n\nChannel 0: Perfect.\n\nChannel 1: that. Okay. I can separate all the the account for the different\n\nChannel 0: Yes.\n\nChannel 1: things, which I'm not doing right now. I'm just holding because this construction build is been sitting on top of my head now for the past eight months, I have not sort of been able to look outside of that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So, I mean, it it doesn't make sense that I've got such a lot amount in a in a in a high yield account. Like, it's not doing the money's not working.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: But I don't wanna put it somewhere else where it's get been tied, and I can't pull it out easily.\n\nChannel 0: Yeah. You don't you don't you wanna keep liquidity with your account. You don't wanna lock it away.\n\nChannel 1: Yeah. Yes. Exactly. Exactly. Yep.\n\nChannel 0: No. That makes sense. Okay. So with I guess I I guess just to sort of summarize all your goals to make sure that\n\nChannel 1: Mhmm.\n\nChannel 0: I've I've I've got it them clear. So there's the car. There's the travel. They are future planning. They're pretty low priority, and they will as you said, they'll fall in place once the big stuff starts getting fixed and sorted for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Your big goals are confirmation of, I guess, where your income's going and the best way to structure it from a tax planning and income flow position, purchase of properties and shares from a growth and wealth generation position as well, and where is the best place for those assets to be purchased, whether it's company trust, personal structure.\n\nChannel 1: Yeah. And the reason I'm holding off is because I'm trying to you know, whatever deposit now, I I can't touch any of the things because\n\nChannel 0: Yeah.\n\nChannel 1: of the the build. Like, if if I got an investment property now, it means some of that deposit or the money savings, which I've put aside for the build will dwindle, will reduce. And I don't want to touch the loan because the repayment once it kicks in, I want somebody to be painting the property so\n\nChannel 0: Yep. So, basically,\n\nChannel 1: that they can\n\nChannel 0: I'll set it.\n\nChannel 1: cover that. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Correct. And once that's in place, that means I'll release money in the offset and the money in the savings, and I can do more. Yeah.\n\nChannel 0: Yeah. Hi. Do you know what the asset's gonna be worth once it's built?\n\nChannel 1: Oh, no. I don't.\n\nChannel 0: No.\n\nChannel 1: But but it's going to be probably more because it's what? It's one point. Actually, it's probably more now because it it you know, because I don't are you you're on the go cost. Correct? Yeah.\n\nIt\n\nChannel 0: Yes. Yeah.\n\nChannel 1: it increases every every week.\n\nChannel 0: Yeah.\n\nChannel 1: The go\n\nChannel 0: Well,\n\nChannel 1: cost\n\nChannel 0: do you\n\nChannel 1: is crazy.\n\nChannel 0: I was gonna say, what's your what's your address? Because I can look up an estimation.\n\nChannel 1: I see. Just stay now. It's one point. Sorry. It doesn't have a lot of rent on there because it's it's it's only a small place.\n\nBut hang on. Oh, yeah. It's in domain. It is. Oh, okay.\n\nMedium confidence. One point six one point six six three. K.\n\nChannel 0: Okay.\n\nChannel 1: It's higher than than I thought.\n\nChannel 0: What we thought.\n\nChannel 1: I think 1.5 was from last year. I didn't I'm bad with figures. Sad to say.\n\nChannel 0: No. That's okay. No. That's fantastic. 1.6 is great.\n\nAnd do you know what your like, what I guess, what what building is being built? Is it sort of like a granny flat, or is it a completely\n\nChannel 1: Yeah.\n\nChannel 0: separate\n\nChannel 1: Yeah.\n\nChannel 0: dwelling? Granny\n\nChannel 1: No. No.\n\nChannel 0: flat.\n\nChannel 1: It's\n\nChannel 0: Okay.\n\nChannel 1: it's. No. It's not. It's\n\nChannel 0: Yeah.\n\nChannel 1: not done. Yep.\n\nChannel 0: And\n\nChannel 1: It's\n\nChannel 0: what\n\nChannel 1: a.\n\nChannel 0: are we looking to rent it out for?\n\nChannel 1: When I asked, they said it can rent for $8.50 comfortably. That's what it is gonna be, like, a up to one study, but they said they can it's big enough for bedroom.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: No.\n\nChannel 1: yeah, it's yeah. It's that's what they've projected or asked, but I haven't asked what the value of the property will be after it's completed because yeah. I don't know if anyone's gonna take it seriously since there's actually a building there. Yep.\n\nChannel 0: No. That's okay. Alright. The the the re like, I the the property will have to be valued for it to get an accurate value. So you'd have to go\n\nChannel 1: Mhmm.\n\nChannel 0: through the bank and get it valued that way because\n\nChannel 1: Mhmm.\n\nChannel 0: the way you've done it, especially if you've done it on realestate.com, it's not gonna show up as a true valuation because real estate is not gonna know that it has a separate dwelling on it,\n\nChannel 1: I hear\n\nChannel 0: so on and\n\nChannel 1: you.\n\nChannel 0: so forth.\n\nChannel 1: Yes.\n\nChannel 0: Not gonna have all the details. Right now, it has an estimation based on what the details are on the property. So if it's, say, five bedroom, two bathroom, four carport, what it does is it finds other properties in that in that range with those offerings and the rough same, you know, property land size, and it goes,\n\nChannel 1: Mhmm.\n\nChannel 0: well, other properties in the area have sold for this amount. The medium amount is this. You know? And the more properties in the area that have sold, the higher that\n\nChannel 1: Got\n\nChannel 0: confidence\n\nChannel 1: you.\n\nChannel 0: goes up. If there haven't been any properties that have sold in a long time in the area, the confidence\n\nChannel 1: Yes.\n\nChannel 0: becomes lower. Whereas if there's lots of properties selling in the area, the confidence starts getting higher and higher based\n\nChannel 1: It's\n\nChannel 0: on the\n\nChannel 1: not\n\nChannel 0: valuation\n\nChannel 1: what it is.\n\nChannel 0: estimate. Yeah.\n\nChannel 1: That's why\n\nChannel 0: So if\n\nChannel 1: they\n\nChannel 0: you've\n\nChannel 1: put\n\nChannel 0: done\n\nChannel 1: medium?\n\nChannel 0: these,\n\nChannel 1: Is that\n\nChannel 0: Yeah.\n\nChannel 1: why they put\n\nChannel 0: So\n\nChannel 1: medium\n\nChannel 0: there's\n\nChannel 1: and high\n\nChannel 0: there's\n\nChannel 1: confidence?\n\nChannel 0: yeah. So there's been a few properties that have sold in the area, and they're pretty like, the the app and how it it binds the data, they're pretty confident that you'd\n\nChannel 1: Mhmm.\n\nChannel 0: be able to get roughly that amount of money. It's not obviously a true figure, but it's rough. If you've done other work to the property that, you know, realestate.com doesn't know about, the valuation's totally off.\n\nChannel 1: I got you. Okay.\n\nChannel 0: Yeah. So right now, fine way of valuing the property. The second that Granny Flat is built, it's not gonna show you the true\n\nChannel 1: Okay.\n\nChannel 0: value.\n\nChannel 1: So who would like, a real estate agent would know, though? Wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: they?\n\nChannel 0: 100%.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. You can just get a real estate agent to come through and have a look. Don't be wrong.\n\nChannel 1: Mhmm.\n\nChannel 0: If you do that, they're gonna harass you. But if you use the real estate agent that you are intending on using\n\nChannel 1: Who's\n\nChannel 0: from\n\nChannel 1: gonna\n\nChannel 0: a rental\n\nChannel 1: harass\n\nChannel 0: capacity\n\nChannel 1: me to to rent it? You mean?\n\nChannel 0: yeah. Or, like, if you come if you get a valuation done, sometimes they harass you wanting to sell it. But if you if you go through the agent the agency that's gonna be the rental\n\nChannel 1: Got\n\nChannel 0: agency,\n\nChannel 1: you. Yes.\n\nChannel 0: they'll\n\nChannel 1: They\n\nChannel 0: be\n\nChannel 1: won't\n\nChannel 0: able\n\nChannel 1: bother\n\nChannel 0: to give you\n\nChannel 1: me.\n\nChannel 0: a valuation.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. They'll know exactly what you're wanting it for, and they'll be able to just help you out for that.\n\nChannel 1: Okay.\n\nChannel 0: So yeah. Perfect. So we're gonna build the Granny Flat. Our current investment property is chugging along. It's got rent coming in there as well, and we just wanna sort of, I guess, look after the kids and just let them grow up and do their thing from a personal point\n\nChannel 1: Hopefully.\n\nChannel 0: of view.\n\nChannel 1: Yes. Yes. That's exactly right. Leave me alone already.\n\nChannel 0: I know. And you've got a 13 year old. Isn't it a blessed age?\n\nChannel 1: Oh, no. They know everything. Oh my gosh.\n\nChannel 0: You've got do you have a a son and a daughter or two sons?\n\nChannel 1: I also have another daughter.\n\nChannel 0: So it's\n\nChannel 1: That's her\n\nChannel 0: you'll\n\nChannel 1: boyfriend.\n\nChannel 0: you're\n\nChannel 1: And then actually,\n\nChannel 0: you'll really\n\nChannel 1: I have a daughter first. I have a three. I have three. The other one, she's almost pointing out. So\n\nChannel 0: oh, beautiful. So you you've been through it a few times there.\n\nChannel 1: yes.\n\nChannel 0: Isn't it fun? Every time, no matter\n\nChannel 1: It\n\nChannel 0: what.\n\nChannel 1: is.\n\nChannel 0: They're all they're all different. They all have their different little quirks and\n\nChannel 1: Mhmm.\n\nChannel 0: and attitude\n\nChannel 1: Yeah.\n\nChannel 0: that never never changes. They always\n\nChannel 1: No.\n\nChannel 0: they always know more than you, and they're always willing to push all the boundaries.\n\nChannel 1: Exactly. Exactly. They they absolutely do.\n\nChannel 0: They definitely okay. So I think I've got a pretty good basis as to where we need to go moving forward. The biggest thing for me is probably just getting a few more data points from yourself. So\n\nChannel 1: I am.\n\nChannel 0: a state like, a a statement on your super fund, you know, confirmation of your cash flow, stuff like that. But I'll send you an email so that way you don't have to write anything down, and you can just respond straight back to me. So that way, you know, it's coming to myself. You have a direct connection to me. And from there, what I'll do is I'll start putting together research to be able to start articulating where we can head.\n\nOne of the biggest things I am gonna ask for is the trust deed for your discretionary trust. That's gonna be probably the biggest painful thing for you to pull and send to me. It's just so\n\nChannel 1: Mhmm.\n\nChannel 0: I can see how it's set up and make sure that anything that I do under the trust works within the trust deed and whether maybe we need to make changes to the trust deed. Hopefully, we don't, but I just wanna make sure that I'm obviously looking at it properly and not just\n\nChannel 1: Mhmm.\n\nChannel 0: making assumptions. Okay? So\n\nChannel 1: Okay.\n\nChannel 0: I'll send you an email so that way we can get all of that information through. Now I know that you did speak to Jordan yesterday and said that you did not want me to look at your superannuation or your insurances at all. They\n\nChannel 1: Oh, yeah.\n\nChannel 0: do they do\n\nChannel 1: Yep.\n\nChannel 0: form part of your overall assets. Do you want me to have a look and see whether there's anything I can do within those realms, insurance, super wise, to get a better product or cheaper product or better performance, better features with the insurance, anything like that?\n\nChannel 1: Potentially, no. Because I just set up a, you know, life insurance there.\n\nChannel 0: Yep.\n\nChannel 1: But I can give you that because it's yeah. It's just yep. It's just all those, like, just tile. I'm with tile. And there's a life insurance there, a TPD, I think it's called, and, yeah, life insurance.\n\nI've got that there. And\n\nChannel 0: Okay.\n\nChannel 1: I think I have made those are things that I probably need to change days, the beneficiary. I don't\n\nChannel 0: Yep.\n\nChannel 1: think I have to double check that out. I don't think I've made it the trust yet. I might have just left it. I think they said I think I might have just left it in the kitchen, but I think I wanna move that to a trust. I'm also\n\nChannel 0: Yep.\n\nChannel 1: looking at I don't know. Do you do things like wheels and things like that too?\n\nChannel 0: I'm not a solicitor, but\n\nChannel 1: Okay.\n\nChannel 0: I, with respect to doing, like, beneficiary nominations and stuff like that, we can definitely make sure that we consider how to best format it. If you're wanting a trust structure, what you'll need to do is you'll need to have your estate take control of everything. That's the only way to make sure that the benefit goes into a trust structure. Otherwise, if you're wanting to, like, try and nominate like, if the beneficiary forms with the superannuation and any insurance policy,\n\nChannel 1: Okay.\n\nChannel 0: You could nominate a direct person or you can nominate\n\nChannel 1: Yes.\n\nChannel 0: your estate. If you nominate your estate, your estate can then distribute any of the assets or or income to whichever structure you want it to. So if you want it to transfer over to the trust structure, whether you want it to transfer over to\n\nChannel 1: Yeah. I\n\nChannel 0: individual\n\nChannel 1: can't remember\n\nChannel 0: people.\n\nChannel 1: now. Yeah. When I did it about a almost a year ago, they said I think it's I don't think I'd had to trust them\n\nChannel 0: Yeah.\n\nChannel 1: set up, but I think they said if I write I have to go and double check it again. I was just gonna just to make to check what I have there now because I think I've just put in and split it by the percentages to the\n\nChannel 0: Yep.\n\nChannel 1: beneficiaries.\n\nChannel 0: To the kids.\n\nChannel 1: I think that's what I've done.\n\nChannel 0: Yep.\n\nChannel 1: Okay. That's something I have to check. But, yeah, I'm open to for for that to to have a look at that. I just thought I'd mention that I because it it other recently done that. So but, yeah, I I had a health insurance as well, which I I canceled because it was just taking too much of my money, and I'm not sick.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Think I found the form I was looking for when you asked about my\n\nChannel 0: Expenses.\n\nChannel 1: weekly yeah. I found the form I filled for my I have to I have to start favorite bookmark this so that I can find it every\n\nChannel 0: Find\n\nChannel 1: time.\n\nChannel 0: it again.\n\nChannel 1: Yeah.\n\nChannel 0: Well, what I'll do is I'll get you the email through, Demisha. That way, I can tear it apart and have a look at it.\n\nChannel 1: Okay. Not a problem.\n\nChannel 0: Perfect. Well, I'll I'll send you an email with all the little bits and pieces that I would like from you statement wise. If you need any help getting them, we can help you out, especially with, like, Tel, Brighter Super, stuff like that. We can we can contact them on your behalf if you give us authority to. But, otherwise, if you just wanna send statements through, that's completely okay as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And then if there's anything that does pop up, I'll flick you an email and organize a time to just touch base. If there is anything that does you know, that I need clarification on or that I just sort of wanna double check with you, then I'll do that. But, otherwise, what I'll do is I'll start getting everything together and start researching your overall position and how we can best structure things for you. Now at the end of the day, if there's no advice that I can give you to put you in a better position, I'm going to tell you exactly that.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Okay? I will say, look. I'm not the best person. I don't think that's gonna be the outcome, but, you know, there's there's nothing I can do. You're sitting really good.\n\nRight now, you do or don't have the capacity to do something. Let's\n\nChannel 1: K.\n\nChannel 0: talk in twelve months.\n\nChannel 1: Mhmm.\n\nChannel 0: I\n\nChannel 1: Mhmm.\n\nChannel 0: will I will say that to you point blank if I can't do anything to help you out. I'm not gonna sit here and, you know, charge you money to do nothing for you. I'm not interested in that.\n\nChannel 1: Okay.\n\nChannel 0: So I'm gonna be very forthcoming if I start pulling this apart and there's nothing I can do to help you out. I just wanna be open and honest about that. Alright?\n\nChannel 1: Yeah. Another thing to our free will be so that investment property was not rented for many months because it had some structural problems, which is now fixed. It's now rented back. So for\n\nChannel 0: Okay.\n\nChannel 1: this\n\nChannel 0: Good.\n\nChannel 1: financial year, there's the I probably spent about $60 on there or more with all the repayments, like, you know, the the mortgage and everything. I didn't put it on hold. So this year, this financial year that we're in now, is this the best year to withhold my income in my company name, or should I pay myself everything so that I can get the tax benefit?\n\nChannel 0: Yeah. It's definitely sounding like that's a possibility. I will I will pull the figures and have a look, but it\n\nChannel 1: Yeah.\n\nChannel 0: sounds like based just just from a numbers perspective Yeah. Yeah.\n\nChannel 1: Because if I don't pay say say, as you mean, I've only I think I've only just transferred at the most maybe $20. I'll double check from my company account this financial year to myself. And if if I you know, if if that's taken as my income from a tax taxable income, like, say, $20 and I've spent, say, 100,000 on fixing, there's no tax advantage there from a tax perspective, is there, this year? Like, for the property, all all the things I've spent on the property\n\nChannel 0: Correct.\n\nChannel 1: or the\n\nChannel 0: Yeah.\n\nChannel 1: amount.\n\nChannel 0: It'll depend on what income you've had coming in from the property. Like, if you as you said, you hadn't rented it for quite a\n\nChannel 1: Fourteen\n\nChannel 0: number of months.\n\nChannel 1: months. Fourteen months.\n\nChannel 0: Ten okay. Ten ten months. There you go. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So ten months\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: Since\n\nChannel 0: no income.\n\nChannel 1: March. Since March 2025.\n\nChannel 0: Okay. And then\n\nChannel 1: So I\n\nChannel 0: it\n\nChannel 1: see\n\nChannel 0: got\n\nChannel 1: what\n\nChannel 0: rented\n\nChannel 1: you mean.\n\nChannel 0: yeah.\n\nChannel 1: Just\n\nChannel 0: So and then it got\n\nChannel 1: last week. Yep.\n\nChannel 0: okay. So March 25 to basically halfway through halfway through April\n\nChannel 1: So there's been a\n\nChannel 0: of\n\nChannel 1: lot\n\nChannel 0: 20\n\nChannel 1: of financial\n\nChannel 0: '26.\n\nChannel 1: dent on me. So\n\nChannel 0: Yes. Look. Realistically, possibly, this financial year is not gonna be a financial year for you to do anything much. That that could also go from a putting contributions into your super fund. I will run the numbers.\n\nDon't do anything,\n\nChannel 1: yeah. Yeah.\n\nChannel 0: but I will run the numbers and have a look. Because if you, yeah, if you haven't been if you haven't rented out that property\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Since\n\nChannel 0: basically\n\nChannel 1: March 2020\n\nChannel 0: well,\n\nChannel 1: '25. Twelve months\n\nChannel 0: it's\n\nChannel 1: on from a financial year perspective, that's\n\nChannel 0: it's\n\nChannel 1: one,\n\nChannel 0: ten months\n\nChannel 1: two,\n\nChannel 0: worth\n\nChannel 1: three.\n\nChannel 0: of this financial\n\nChannel 1: Yeah.\n\nChannel 0: year.\n\nChannel 1: Got you. Yeah. Yeah. So ten months is financial year. Correct.\n\nYeah.\n\nChannel 0: Yeah. So you've got it's nine and a half months. You got two and a half months left of this financial year that you're\n\nChannel 1: Exactly.\n\nChannel 0: renting it out. You're you're renting it out at $1,100 a week.\n\nChannel 1: Mhmm.\n\nChannel 0: You know, you still got costs and stuff like that you've you've incurred. 60,000\n\nChannel 1: Yeah.\n\nChannel 0: dollars that you've spent on the property including the interest that you've paid.\n\nChannel 1: Exactly. Exactly.\n\nChannel 0: You've you've you've made nothing, and then your\n\nChannel 1: No.\n\nChannel 0: income, your income being the basically, about a $100, by\n\nChannel 1: Is\n\nChannel 0: the time\n\nChannel 1: that\n\nChannel 0: you take,\n\nChannel 1: yeah. Yep.\n\nChannel 0: yeah,\n\nChannel 1: Mhmm.\n\nChannel 0: by the time you take the $60,000 off your income of a $100, you're left with sort of 40.\n\nChannel 1: Yep.\n\nChannel 0: It's and don't get me wrong. It's not offset's not dollar for dollar. We, you know, we all know those kinds of things.\n\nChannel 1: Yeah.\n\nChannel 0: But but, you know, your your income's starting to get a little bit on the lower side. Any money that you're trying to offload elsewhere is starting to get into the probably less tax effective bracket.\n\nChannel 1: Oh, sorry. I should have said this. You know how I told you that I spent 60 on the property. Right?\n\nChannel 0: Yeah.\n\nChannel 1: So I've I've taken a lot of that money from oh, yeah. So the the some insurance\n\nChannel 0: Oh,\n\nChannel 1: did pay some money for some tenant damage. Tenant damage\n\nChannel 0: cool.\n\nChannel 1: the property as well as structural damage. So\n\nChannel 0: Oh, lovely.\n\nChannel 1: that's why I still have up to 60 in the account even though I've spent 60 because I've used some of that money,\n\nChannel 0: Yep.\n\nChannel 1: do you know what I mean, from the insurance to\n\nChannel 0: Okay.\n\nChannel 1: fix\n\nChannel 0: So\n\nChannel 1: all that. Yeah.\n\nChannel 0: how much did you spend ignoring insurance? Or was it 60 overall and then you know how much insurance paid you?\n\nChannel 1: So roughly 60 overall.\n\nChannel 0: Yep.\n\nChannel 1: Insurance paid about 30, half half of it.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: For them.\n\nChannel 0: So you're 30 k\n\nChannel 1: Yeah.\n\nChannel 0: out of pocket still.\n\nChannel 1: Yeah. They're about\n\nChannel 0: Okay. Okay. No. That's still good.\n\nChannel 1: I think it's more. I'm I'm just giving you ballpark. I'm not actually sat\n\nChannel 0: Yeah.\n\nChannel 1: down because it was too depressing for me to start looking every day into the\n\nChannel 0: No.\n\nChannel 1: money part of it. I'm like, you know what?\n\nChannel 0: Yeah.\n\nChannel 1: I just wanna get this ten months, so I didn't really go into it. That's the only way I could just not be bogged down in the money\n\nChannel 0: Yeah.\n\nChannel 1: side of things. So, yeah, so there is insurance my roof insurance got paid, which I've also dipped into. So I'm really not neglect kind of\n\nChannel 0: No.\n\nChannel 1: thing. So\n\nChannel 0: Yep.\n\nChannel 1: I have to pay my roof insurance because those people are now dragging me. They want to fix the roof.\n\nChannel 0: Yes.\n\nChannel 1: So I have to withdraw money from my income, which I use for the property to fix. So, yeah, you're right there. It's gonna be about yeah. Update. That's why I was saying it's probably not the best year to keep the money in the\n\nChannel 0: Yeah.\n\nChannel 1: business\n\nChannel 0: In the\n\nChannel 1: to\n\nChannel 0: company.\n\nChannel 1: pay myself, pay it out, and then it will be seen as taxable income, which the\n\nChannel 0: Correct.\n\nChannel 1: when the ATO looks at it, then they can say, oh, okay. Well,\n\nChannel 0: And\n\nChannel 1: expenditure.\n\nChannel 0: especially especially if our like, the the the basically, the the the toss-up is, do we pay company tax at 30% or do we pay marginal tax rate? And that's that's gonna basically be the the the coin flip that we're gonna deal with.\n\nChannel 1: Exactly.\n\nChannel 0: So I'll have a I'll have a look at it from that perspective and see where we're sitting. We\n\nChannel 1: Exactly.\n\nChannel 0: have\n\nChannel 1: Okay.\n\nChannel 0: $60 that we could basically pull. I'll make sure that I've I've run it through and have a look. And then when we pull it, where we're gonna put well, what we're gonna do with the money. Can I ask, do you have a good accountant that you actually sit with and work with?\n\nChannel 1: Do you do you yes and no.\n\nChannel 0: Yep.\n\nChannel 1: Be because I was hasn't I haven't worked in six months. I almost six months in this financial year. I've been thinking about changing my accountants because I've not done my past as a result. So I've spoken to the agent and said, look. I've not done my past because I have not, you know, worked.\n\nChannel 0: What? Yep.\n\nChannel 1: So when they send me all those letters so do you have an accountant? Do you have accountants with your in your practice or just\n\nChannel 0: I wish I had accountants in my practice. No. We have accountants that we refer to,\n\nChannel 1: mhmm.\n\nChannel 0: and we only use them because they have done such great work for our clients historically.\n\nChannel 1: Okay.\n\nChannel 0: Other like, I have previously ceased refer like, referring clients to other firms because they, you know, haven't done good work.\n\nChannel 1: Alright. Oh,\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: I've I use these guys because they have produced fantastic work for my my clients. So\n\nChannel 1: Mhmm.\n\nChannel 0: I am more than happy if you wanna in the email that I send you, I can pop\n\nChannel 1: Yep.\n\nChannel 0: their details in, and you can have a look\n\nChannel 1: Yep.\n\nChannel 0: and look at contacting them\n\nChannel 1: Yep.\n\nChannel 0: from that perspective.\n\nChannel 1: Alright. I'm definitely yeah. Have a look at that because I'm I have to get my act together now for the end of this financial year.\n\nChannel 0: Yeah.\n\nChannel 1: But then I thought, let me just find out, you know, what I need to do because, obviously, a strategy is good to have a strategy. It's just not the money being paid for how am I trying to maximize my strategy in this kind of shade that I've spent a lot on renovating, you know, an investment property. And I haven't earned as much as I would have liked to. But yep.\n\nChannel 0: Yeah. Yeah. And look, we we always have those years where I mean, it sounds like yours was particularly bad because of a bad tenant, but we always have those years where they ebb and flow. So, I mean, fingers crossed, we can put you in a good position tax wise and get you paying as little tax as possible from that perspective. But,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, let\n\nChannel 1: And if if I should do concessional as well, you know, like, it's it's should I should how much\n\nChannel 0: me\n\nChannel 1: should I put max out my concessional this year or not max it out\n\nChannel 0: yeah. And whether we do something next year.\n\nChannel 1: to okay.\n\nChannel 0: Yes. I'll I'll have a look to see whether it's worth doing anything this year. Based on the income that you pulled in, I'm thinking possibly not.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: I'll\n\nChannel 1: that\n\nChannel 0: run\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: not\n\nChannel 0: figures,\n\nChannel 1: on the\n\nChannel 0: and\n\nChannel 1: edge\n\nChannel 0: I'll show\n\nChannel 1: financially.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: Correct. It\n\nChannel 1: So\n\nChannel 0: it's\n\nChannel 1: that\n\nChannel 0: not even\n\nChannel 1: yeah.\n\nChannel 0: it's not even financially. It's just so marginal tax rates, you when when we pay when we pay tax personally, we pay it at a marginal rate. For the first 18,200, we pay no tax on. So it makes no sense to put, you know if you earn $20 for the year, it makes no sense putting $20,000 into the superannuation fund to make to mean that you've earned nothing because then you pay 15% through the super fund tax\n\nChannel 1: So what you mean?\n\nChannel 0: where where\n\nChannel 1: For this\n\nChannel 0: you\n\nChannel 1: two\n\nChannel 0: wouldn't\n\nChannel 1: year.\n\nChannel 0: where you wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: have paid you would have paid basically nothing personally. So tax effectively, no sense.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: It's where it's where concessional contributions could come in where instead of putting non concessionally, we could put sorry. Instead of putting concessionally, being that\n\nChannel 1: Yeah.\n\nChannel 0: that that your super fund would pay tax and you would get a tax offset, you\n\nChannel 1: Mhmm.\n\nChannel 0: could put it in non concessionally, which means that you pay your marginal tax rate and the money goes into the super fund and no additional tax is paid. We could do it that way because it it's still you know, it it generates a a return. It's, you know, investing. It's it's doing all the things that we want it to do.\n\nChannel 1: Mhmm.\n\nChannel 0: But we just need to look at where the numbers really sit overall. I'm thinking a little bit more towards the probably no concessional contributions, but\n\nChannel 1: Mhmm.\n\nChannel 0: there may be some room where we could put a little bit in. It'll just depend on where the numbers all kind of fall.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah. Perfect. Well, I'll I'll start getting cracking with this. You'll have an email from me tomorrow just with a request for the the additional information that I've sort of sprinkled throughout this conversation. And and I'll start start getting cracking with the research.\n\nAlright?\n\nChannel 1: Okay. So just to confirm, this is Oakview Financial?\n\nChannel 0: Correct.\n\nChannel 1: Okay. Because I don't Jordan, you said rang me yesterday. Oh, maybe I didn't write down. Because I write down everything. I must have scribbled down on another page.\n\nOh, good.\n\nChannel 0: No. Yeah.\n\nChannel 1: I know I was asked about my super like, no. I already\n\nChannel 0: So\n\nChannel 1: have something set up. Some I think I had that conversation. Oh, yeah.\n\nChannel 0: yeah.\n\nChannel 1: There we\n\nChannel 0: Yeah.\n\nChannel 1: go.\n\nChannel 0: That\n\nChannel 1: Yesterday.\n\nChannel 0: was with Jordan. So you originally you've spoken with two of my team. You spoke you spoke with Maddie or Madison\n\nChannel 1: Yes.\n\nChannel 0: originally, and then and then you spoke with Jordan yesterday.\n\nChannel 1: What of Caden? Is Caden there as well?\n\nChannel 0: Yes. Yes. Yes. Yes. You did speak with Kaden originally, didn't you?\n\nYes. You spoke with\n\nChannel 1: Yes.\n\nChannel 0: Kaden, and he scheduled you in with\n\nChannel 1: Ah,\n\nChannel 0: Madison, and then you spoke with Jordan, and now you're speaking with me.\n\nChannel 1: yes. I don't recall Jordan. Maybe that's why I'm sounding confused, but that's fine. I recall Caden and I recall Martin on the seventeenth it was. Yeah.\n\nBut\n\nChannel 0: Yes.\n\nChannel 1: I spoke\n\nChannel 0: Yeah.\n\nChannel 1: with her.\n\nChannel 0: Yeah. Spoke with yeah. Maddie\n\nChannel 1: Martin.\n\nChannel 0: Maddie on the seventeenth. And then\n\nChannel 1: Yes.\n\nChannel 0: well, Madison, but Maddie. Yep. And then,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, Jordan\n\nChannel 1: Okay.\n\nChannel 0: Jordan yesterday, it's sort of about midday.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Ah, okay. That's why. Excellent. Just to keep me confused even more.\n\nChannel 0: I know. No. So yeah. So what what I'll do is I'll start getting everything together, and we can go from there, touch base.\n\nChannel 1: Okay. Thank you so much for\n\nChannel 0: No.\n\nChannel 1: your call.\n\nChannel 0: My pleasure, Pearl. Absolutely.\n\nChannel 1: Alrighty. Have\n\nChannel 0: We'll speak soon.\n\nChannel 1: some. Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.024244774132966995}],"sentiment":"neutral","sentiment_score":0.024244774132966995,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Hi.","start":6.0,"end":6.48,"sentiment":"neutral","sentiment_score":0.16017299890518188},{"text":"Good afternoon, Pearl.","start":6.48,"end":7.6,"sentiment":"positive","sentiment_score":0.33788641293843585},{"text":"Larissa here from OC Financial.","start":7.6,"end":9.22,"sentiment":"neutral","sentiment_score":0.2593372493982315},{"text":"How are you going?","start":9.28,"end":10.179999,"sentiment":"neutral","sentiment_score":0.277163527905941}],"sentiment":"neutral","sentiment_score":0.27532096894887775,"channel":0,"num_words":13,"start":6.0,"end":10.179999},{"sentences":[{"text":"I'm well.","start":10.559999,"end":10.96,"sentiment":"positive","sentiment_score":0.4772721827030182},{"text":"Thank you so.","start":10.96,"end":11.86,"sentiment":"positive","sentiment_score":0.7444417476654053}],"sentiment":"positive","sentiment_score":0.6375739216804505,"channel":1,"num_words":5,"start":10.559999,"end":11.86},{"sentences":[{"text":"Really good.","start":12.495,"end":13.215,"sentiment":"positive","sentiment_score":0.7595886588096619},{"text":"Thank you.","start":13.215,"end":13.955,"sentiment":"positive","sentiment_score":0.7171725630760193},{"text":"I'm the head of financial advice.","start":14.175,"end":15.935,"sentiment":"neutral","sentiment_score":0.19805988172690073},{"text":"I was giving you a call to go through and have a discussion with you with respect to the the advice that you were looking to seek.","start":15.935,"end":22.654999,"sentiment":"neutral","sentiment_score":0.15680718532315008},{"text":"I know that you've been speaking with my team, Maddie and and Jordan.","start":22.654999,"end":26.355,"sentiment":"neutral","sentiment_score":0.05729531410794992}],"sentiment":"neutral","sentiment_score":0.18241029642522336,"channel":0,"num_words":50,"start":12.495,"end":26.355},{"sentences":[{"text":"Yeah.","start":28.310001,"end":28.810001,"sentiment":"neutral","sentiment_score":0.05645345151424408},{"text":"So I guess before I do jump into it, I do need to let you know that our calls are recorded.","start":30.550001,"end":34.65,"sentiment":"neutral","sentiment_score":0.01964577766401427},{"text":"And then from there, I guess the best thing for me to do is just to, in your own words, find out where you're at and what you're trying to, like, look at advice, what advice areas you're looking to engage in, and and what you're looking to achieve with respect to the advice.","start":35.35,"end":50.585,"sentiment":"neutral","sentiment_score":0.08096431702789333}],"sentiment":"neutral","sentiment_score":0.06369852502585242,"channel":0,"num_words":76,"start":28.310001,"end":50.585},{"sentences":[{"text":"Sure.","start":51.245,"end":51.565,"sentiment":"neutral","sentiment_score":0.13475927710533142},{"text":"Thank you.","start":51.565,"end":52.045,"sentiment":"neutral","sentiment_score":0.2070237249135971},{"text":"Sorry.","start":52.045,"end":52.285,"sentiment":"neutral","sentiment_score":0.005079209804534912},{"text":"I missed your name.","start":52.285,"end":52.925,"sentiment":"neutral","sentiment_score":-0.039473248180001974},{"text":"Is it Lisa?","start":52.925,"end":53.665,"sentiment":"neutral","sentiment_score":-0.006584266511102517}],"sentiment":"neutral","sentiment_score":0.03420364949852228,"channel":1,"num_words":11,"start":51.245,"end":53.665},{"sentences":[{"text":"Larissa.","start":54.34,"end":54.84,"sentiment":"neutral","sentiment_score":-0.002687319647520781}],"sentiment":"neutral","sentiment_score":-0.002687319647520781,"channel":0,"num_words":1,"start":54.34,"end":54.84},{"sentences":[{"text":"Sorry.","start":55.325,"end":55.645,"sentiment":"neutral","sentiment_score":-0.016071859747171402},{"text":"Larissa.","start":55.645,"end":56.145,"sentiment":"neutral","sentiment_score":0.009142384864389896}],"sentiment":"neutral","sentiment_score":-0.003464737441390753,"channel":1,"num_words":2,"start":55.325,"end":56.145},{"sentences":[{"text":"That's okay.","start":56.66,"end":57.48,"sentiment":"neutral","sentiment_score":0.052295563742518425}],"sentiment":"neutral","sentiment_score":0.052295563742518425,"channel":0,"num_words":2,"start":56.66,"end":57.48},{"sentences":[{"text":"Okay.","start":57.45,"end":57.95,"sentiment":"neutral","sentiment_score":0.04953060299158096},{"text":"And it's from Oakview.","start":58.170002,"end":59.390003,"sentiment":"neutral","sentiment_score":0.03947197645902634}],"sentiment":"neutral","sentiment_score":0.04148370176553726,"channel":1,"num_words":5,"start":57.45,"end":59.390003},{"sentences":[{"text":"Financial.","start":60.74,"end":61.24,"sentiment":"neutral","sentiment_score":0.02877095341682434}],"sentiment":"neutral","sentiment_score":0.02877095341682434,"channel":0,"num_words":1,"start":60.74,"end":61.24},{"sentences":[{"text":"Okay.","start":61.050003,"end":61.550003,"sentiment":"neutral","sentiment_score":0.059694211930036545}],"sentiment":"neutral","sentiment_score":0.059694211930036545,"channel":1,"num_words":1,"start":61.050003,"end":61.550003},{"sentences":[{"text":"Yeah.","start":61.46,"end":61.96,"sentiment":"neutral","sentiment_score":0.08187657594680786}],"sentiment":"neutral","sentiment_score":0.08187657594680786,"channel":0,"num_words":1,"start":61.46,"end":61.96},{"sentences":[{"text":"Alright.","start":62.730003,"end":63.230003,"sentiment":"neutral","sentiment_score":0.17239773273468018},{"text":"So 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time.","start":304.66998,"end":305.55,"sentiment":"neutral","sentiment_score":0.015176334884017706},{"text":"Yep.","start":305.55,"end":306.05,"sentiment":"neutral","sentiment_score":0.031132113188505173}],"sentiment":"neutral","sentiment_score":0.01888017063694341,"channel":0,"num_words":7,"start":304.03,"end":306.05},{"sentences":[{"text":"Yeah.","start":305.805,"end":306.305,"sentiment":"neutral","sentiment_score":0.027479883283376697},{"text":"So,","start":306.44498,"end":306.94498,"sentiment":"neutral","sentiment_score":0.01896265149116516}],"sentiment":"neutral","sentiment_score":0.023221267387270927,"channel":1,"num_words":2,"start":305.805,"end":306.94498},{"sentences":[{"text":"Alright.","start":306.75,"end":307.25,"sentiment":"neutral","sentiment_score":0.03426748141646385}],"sentiment":"neutral","sentiment_score":0.03426748141646385,"channel":0,"num_words":1,"start":306.75,"end":307.25},{"sentences":[{"text":"yeah, I'm not just stuck at the one one place, but I do","start":308.125,"end":311.53,"sentiment":"neutral","sentiment_score":-0.010550172498019842}],"sentiment":"neutral","sentiment_score":-0.010550172498019842,"channel":1,"num_words":13,"start":308.125,"end":311.53},{"sentences":[{"text":"Yeah.","start":311.22998,"end":311.72998,"sentiment":"neutral","sentiment_score":0.004965492524206638}],"sentiment":"neutral","sentiment_score":0.004965492524206638,"channel":0,"num_words":1,"start":311.22998,"end":311.72998},{"sentences":[{"text":"once the contract finishes, I will then go to another place.","start":311.69,"end":314.65,"sentiment":"neutral","sentiment_score":-0.004717447540976785},{"text":"But I would like to do multiple at a time if that's what the question was about.","start":314.65,"end":319.31,"sentiment":"neutral","sentiment_score":0.019554466598064583}],"sentiment":"neutral","sentiment_score":0.010019071757726903,"channel":1,"num_words":28,"start":311.69,"end":319.31},{"sentences":[{"text":"Yeah.","start":319.48502,"end":319.805,"sentiment":"neutral","sentiment_score":0.09907936304807664},{"text":"Yeah.","start":319.805,"end":320.20502,"sentiment":"neutral","sentiment_score":0.15781961381435394},{"text":"That's perfect.","start":320.20502,"end":321.025,"sentiment":"positive","sentiment_score":0.4307608902454376},{"text":"And the contract, usually a twelve month contract?","start":321.245,"end":324.365,"sentiment":"neutral","sentiment_score":0.10283288173377514},{"text":"Or","start":324.365,"end":324.865,"sentiment":"neutral","sentiment_score":0.058076631277799606}],"sentiment":"neutral","sentiment_score":0.1537815725001005,"channel":0,"num_words":13,"start":319.48502,"end":324.865},{"sentences":[{"text":"Usually.","start":326.985,"end":327.485,"sentiment":"neutral","sentiment_score":0.07962681353092194}],"sentiment":"neutral","sentiment_score":0.07962681353092194,"channel":1,"num_words":1,"start":326.985,"end":327.485},{"sentences":[{"text":"Very.","start":327.11002,"end":327.61002,"sentiment":"neutral","sentiment_score":0.11993429064750671}],"sentiment":"neutral","sentiment_score":0.11993429064750671,"channel":0,"num_words":1,"start":327.11002,"end":327.61002},{"sentences":[{"text":"Yeah.","start":327.54498,"end":327.94498,"sentiment":"neutral","sentiment_score":0.06241628527641296}],"sentiment":"neutral","sentiment_score":0.06241628527641296,"channel":1,"num_words":1,"start":327.54498,"end":327.94498},{"sentences":[{"text":"Usually?","start":327.83002,"end":328.33002,"sentiment":"neutral","sentiment_score":0.049490492790937424}],"sentiment":"neutral","sentiment_score":0.049490492790937424,"channel":0,"num_words":1,"start":327.83002,"end":328.33002},{"sentences":[{"text":"Usually.","start":327.94498,"end":328.44498,"sentiment":"neutral","sentiment_score":0.06767792999744415}],"sentiment":"neutral","sentiment_score":0.06767792999744415,"channel":1,"num_words":1,"start":327.94498,"end":328.44498},{"sentences":[{"text":"Fine.","start":328.47,"end":328.97,"sentiment":"neutral","sentiment_score":0.13623273372650146},{"text":"Okay.","start":329.27002,"end":329.59,"sentiment":"neutral","sentiment_score":0.14562198519706726}],"sentiment":"neutral","sentiment_score":0.14092735946178436,"channel":0,"num_words":2,"start":328.47,"end":329.59},{"sentences":[{"text":"Six","start":329.465,"end":329.865,"sentiment":"neutral","sentiment_score":0.1826384961605072}],"sentiment":"neutral","sentiment_score":0.1826384961605072,"channel":1,"num_words":1,"start":329.465,"end":329.865},{"sentences":[{"text":"Perfect.","start":329.59,"end":330.09,"sentiment":"neutral","sentiment_score":0.2854534089565277}],"sentiment":"neutral","sentiment_score":0.2854534089565277,"channel":0,"num_words":1,"start":329.59,"end":330.09},{"sentences":[{"text":"to twelve months.","start":329.865,"end":330.685,"sentiment":"neutral","sentiment_score":0.1800574908653895},{"text":"Yeah.","start":330.745,"end":331.245,"sentiment":"neutral","sentiment_score":0.1356838494539261}],"sentiment":"neutral","sentiment_score":0.16896408051252365,"channel":1,"num_words":4,"start":329.865,"end":331.245},{"sentences":[{"text":"Six to twelve.","start":331.19,"end":331.91,"sentiment":"neutral","sentiment_score":0.11411876479784648},{"text":"Alright.","start":331.91,"end":332.23,"sentiment":"neutral","sentiment_score":0.21978187561035156},{"text":"Perfect.","start":332.23,"end":332.73,"sentiment":"neutral","sentiment_score":0.28207704424858093},{"text":"Now income wise, what kind of income is the contract work producing?","start":333.67,"end":339.975,"sentiment":"neutral","sentiment_score":0.04148322809487581},{"text":"And then secondarily to that, what are you paying yourself, or are they the same 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not putting myself on a salary","start":347.31998,"end":349.41998,"sentiment":"neutral","sentiment_score":-0.08908189513853618}],"sentiment":"neutral","sentiment_score":-0.08908189513853618,"channel":1,"num_words":7,"start":347.31998,"end":349.41998},{"sentences":[{"text":"Yep.","start":350.27502,"end":350.77502,"sentiment":"neutral","sentiment_score":-0.037959106266498566}],"sentiment":"neutral","sentiment_score":-0.037959106266498566,"channel":0,"num_words":1,"start":350.27502,"end":350.77502},{"sentences":[{"text":"yet.","start":351.0,"end":351.405,"sentiment":"neutral","sentiment_score":-0.04193630814552307},{"text":"I have to that's another thing.","start":351.805,"end":353.405,"sentiment":"neutral","sentiment_score":-0.05031758608917395},{"text":"I have to structure that in a way that benefits me the most at the moment.","start":353.405,"end":357.585,"sentiment":"neutral","sentiment_score":0.04026894341222942},{"text":"It's just not structured yet because it's","start":357.645,"end":360.145,"sentiment":"neutral","sentiment_score":-0.051249243319034576}],"sentiment":"neutral","sentiment_score":-0.001942781110604604,"channel":1,"num_words":30,"start":351.0,"end":360.145},{"sentences":[{"text":"Yeah.","start":360.05,"end":360.55,"sentiment":"neutral","sentiment_score":-0.02634774148464203}],"sentiment":"neutral","sentiment_score":-0.02634774148464203,"channel":0,"num_words":1,"start":360.05,"end":360.55},{"sentences":[{"text":"worth only, like, almost three years old now.","start":360.285,"end":363.405,"sentiment":"neutral","sentiment_score":-0.03945772908627987},{"text":"So","start":363.405,"end":363.905,"sentiment":"neutral","sentiment_score":-0.025195006281137463}],"sentiment":"neutral","sentiment_score":-0.03787298210793071,"channel":1,"num_words":9,"start":360.285,"end":363.905},{"sentences":[{"text":"Yeah.","start":363.825,"end":364.325,"sentiment":"neutral","sentiment_score":-0.01778443157672882}],"sentiment":"neutral","sentiment_score":-0.01778443157672882,"channel":0,"num_words":1,"start":363.825,"end":364.325},{"sentences":[{"text":"I'm still a little baby in that regard.","start":364.125,"end":366.465,"sentiment":"neutral","sentiment_score":-0.021085765212774277},{"text":"So I I everything just goes into that company account, and I just do director drawings, and that's sort of classified as income for me.","start":368.6,"end":378.84,"sentiment":"neutral","sentiment_score":-0.0007565696910023689},{"text":"There's no sort of wages or salary that I","start":378.84,"end":382.19998,"sentiment":"neutral","sentiment_score":-0.07338410574528906}],"sentiment":"neutral","sentiment_score":-0.020191840849639403,"channel":1,"num_words":42,"start":364.125,"end":382.19998},{"sentences":[{"text":"Yeah.","start":382.16,"end":382.66,"sentiment":"neutral","sentiment_score":-0.0038072001188993454}],"sentiment":"neutral","sentiment_score":-0.0038072001188993454,"channel":0,"num_words":1,"start":382.16,"end":382.66},{"sentences":[{"text":"pay Yeah.","start":382.19998,"end":383.995,"sentiment":"neutral","sentiment_score":-0.005358930211514234},{"text":"And so the super and on the back of that is the superannuation, like, concessional contributions.","start":385.015,"end":392.475,"sentiment":"neutral","sentiment_score":-0.012988869799301028},{"text":"Yeah.","start":392.935,"end":393.435,"sentiment":"neutral","sentiment_score":-0.054467350244522095},{"text":"So as a result, there's no 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what","start":405.15,"end":406.50998,"sentiment":"neutral","sentiment_score":-0.022304685786366463}],"sentiment":"neutral","sentiment_score":-0.022304685786366463,"channel":0,"num_words":5,"start":405.15,"end":406.50998},{"sentences":[{"text":"That's","start":406.43002,"end":406.59003,"sentiment":"neutral","sentiment_score":-0.08640365302562714}],"sentiment":"neutral","sentiment_score":-0.08640365302562714,"channel":1,"num_words":1,"start":406.43002,"end":406.59003},{"sentences":[{"text":"you mean.","start":406.50998,"end":407.09,"sentiment":"neutral","sentiment_score":-0.12254631519317627}],"sentiment":"neutral","sentiment_score":-0.12254631519317627,"channel":0,"num_words":2,"start":406.50998,"end":407.09},{"sentences":[{"text":"definitely not.","start":406.59003,"end":407.15002,"sentiment":"neutral","sentiment_score":-0.22380246222019196},{"text":"Yeah.","start":407.15002,"end":407.65002,"sentiment":"neutral","sentiment_score":-0.029870519414544106},{"text":"But I would like to also talk about not only maxing out, but, you know, advice around the nonconsensual part of it as well.","start":407.79,"end":418.185,"sentiment":"neutral","sentiment_score":0.026274839299730957}],"sentiment":"neutral","sentiment_score":0.005671137012541294,"channel":1,"num_words":27,"start":406.59003,"end":418.185},{"sentences":[{"text":"Yeah.","start":418.92502,"end":419.42502,"sentiment":"neutral","sentiment_score":0.04036394879221916}],"sentiment":"neutral","sentiment_score":0.04036394879221916,"channel":0,"num_words":1,"start":418.92502,"end":419.42502},{"sentences":[{"text":"Maxing that out.","start":419.525,"end":420.82498,"sentiment":"neutral","sentiment_score":0.03001689414183299},{"text":"Oh, not maxing out, but adding additional on top of what is the concessional one.","start":420.965,"end":426.68,"sentiment":"neutral","sentiment_score":0.02243664860725403},{"text":"Yep.","start":426.68,"end":427.18,"sentiment":"neutral","sentiment_score":0.0947495698928833}],"sentiment":"neutral","sentiment_score":0.027439472706694352,"channel":1,"num_words":19,"start":419.525,"end":427.18},{"sentences":[{"text":"Yeah.","start":427.9,"end":428.13998,"sentiment":"neutral","sentiment_score":0.1096889227628708},{"text":"Okay.","start":428.13998,"end":428.46,"sentiment":"neutral","sentiment_score":0.16242095828056335},{"text":"Cool.","start":428.46,"end":428.96,"sentiment":"neutral","sentiment_score":0.2804268002510071},{"text":"No.","start":429.02,"end":429.18,"sentiment":"neutral","sentiment_score":0.1890801191329956},{"text":"That's good.","start":429.18,"end":429.91998,"sentiment":"neutral","sentiment_score":0.3253331035375595}],"sentiment":"neutral","sentiment_score":0.23204716791709265,"channel":0,"num_words":6,"start":427.9,"end":429.91998},{"sentences":[{"text":"Alright.","start":430.06,"end":430.38,"sentiment":"neutral","sentiment_score":0.16989737749099731},{"text":"So we're we've been maxing out concessional, possibly looking at nonconcessional avenues.","start":430.38,"end":435.84,"sentiment":"neutral","sentiment_score":0.07620927349974711},{"text":"Do you know what like, if you were to look at 12 like, over the last twelve months, what what income has come in for, like, the company?","start":436.575,"end":444.595,"sentiment":"neutral","sentiment_score":0.010076648090034723}],"sentiment":"neutral","sentiment_score":0.03333060502460817,"channel":0,"num_words":41,"start":430.06,"end":444.595},{"sentences":[{"text":"Okay.","start":444.885,"end":445.385,"sentiment":"neutral","sentiment_score":-0.0012109680101275444},{"text":"About the last twelve months, I'll have to check.","start":447.125,"end":451.785,"sentiment":"neutral","sentiment_score":-0.016741236257884238},{"text":"Let me see.","start":452.16,"end":453.42,"sentiment":"neutral","sentiment_score":0.0030758436769247055},{"text":"Maybe ballpark, let's say, not a lot of this financial year, but let's say around $80.90, they're about.","start":453.52002,"end":465.38,"sentiment":"neutral","sentiment_score":-0.023790474179097347},{"text":"And we only have","start":465.92,"end":466.875,"sentiment":"neutral","sentiment_score":-0.029770010616630316}],"sentiment":"neutral","sentiment_score":-0.019713232599731,"channel":1,"num_words":35,"start":444.885,"end":466.875},{"sentences":[{"text":"K.","start":466.605,"end":467.105,"sentiment":"neutral","sentiment_score":-0.02807403728365898}],"sentiment":"neutral","sentiment_score":-0.02807403728365898,"channel":0,"num_words":1,"start":466.605,"end":467.105},{"sentences":[{"text":"two months or three months left here.","start":466.955,"end":468.715,"sentiment":"neutral","sentiment_score":-0.023084709952984537},{"text":"So the previous year was way more, but last you so you mean last financial year or this one?","start":468.715,"end":474.335,"sentiment":"neutral","sentiment_score":-0.03530979009443208}],"sentiment":"neutral","sentiment_score":-0.03201842236404236,"channel":1,"num_words":26,"start":466.955,"end":474.335},{"sentences":[{"text":"Like, the yeah.","start":474.62003,"end":475.18002,"sentiment":"neutral","sentiment_score":-0.023056781540314358},{"text":"This financial year.","start":475.18002,"end":476.48,"sentiment":"neutral","sentiment_score":-0.017253658113380272}],"sentiment":"neutral","sentiment_score":-0.020155219826847315,"channel":0,"num_words":6,"start":474.62003,"end":476.48},{"sentences":[{"text":"Okay.","start":476.155,"end":476.475,"sentiment":"neutral","sentiment_score":0.02410689741373062},{"text":"Yeah.","start":476.475,"end":476.635,"sentiment":"neutral","sentiment_score":0.02537001110613346},{"text":"So yeah.","start":476.635,"end":477.275,"sentiment":"neutral","sentiment_score":0.024106061086058617},{"text":"So this one, yeah, around about 90, maybe.","start":477.275,"end":479.97,"sentiment":"neutral","sentiment_score":0.01973445201292634},{"text":"Yeah.","start":480.13,"end":480.63,"sentiment":"neutral","sentiment_score":0.03208458423614502}],"sentiment":"neutral","sentiment_score":0.02212686392550285,"channel":1,"num_words":13,"start":476.155,"end":480.63},{"sentences":[{"text":"Okay.","start":480.7,"end":481.2,"sentiment":"neutral","sentiment_score":0.025896521285176277}],"sentiment":"neutral","sentiment_score":0.025896521285176277,"channel":0,"num_words":1,"start":480.7,"end":481.2},{"sentences":[{"text":"8","start":481.33,"end":481.57,"sentiment":"neutral","sentiment_score":0.012508699670433998}],"sentiment":"neutral","sentiment_score":0.012508699670433998,"channel":1,"num_words":1,"start":481.33,"end":481.57},{"sentences":[{"text":"And then","start":481.34003,"end":481.66,"sentiment":"neutral","sentiment_score":0.020397786051034927}],"sentiment":"neutral","sentiment_score":0.020397786051034927,"channel":0,"num_words":2,"start":481.34003,"end":481.66},{"sentences":[{"text":"to 90.","start":481.57,"end":482.15,"sentiment":"neutral","sentiment_score":0.02169277984648943}],"sentiment":"neutral","sentiment_score":0.02169277984648943,"channel":1,"num_words":2,"start":481.57,"end":482.15},{"sentences":[{"text":"with two months left to go, would you say that you're sort of still on track for that maybe 90 just pushing into the 100,000?","start":481.66,"end":489.11502,"sentiment":"neutral","sentiment_score":0.04064793862402439}],"sentiment":"neutral","sentiment_score":0.04064793862402439,"channel":0,"num_words":25,"start":481.66,"end":489.11502},{"sentences":[{"text":"Yes.","start":491.09,"end":491.57,"sentiment":"neutral","sentiment_score":0.02922717295587063},{"text":"Yes.","start":491.57,"end":491.985,"sentiment":"neutral","sentiment_score":0.025203395634889603}],"sentiment":"neutral","sentiment_score":0.027215284295380116,"channel":1,"num_words":2,"start":491.09,"end":491.985},{"sentences":[{"text":"Okay.","start":492.855,"end":493.355,"sentiment":"neutral","sentiment_score":0.012105378322303295},{"text":"And then last financial year, what did you do you know what you turned 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just the contract ended and it was time between the two?","start":523.97003,"end":527.75,"sentiment":"neutral","sentiment_score":-0.15198556520044804}],"sentiment":"neutral","sentiment_score":-0.14917264966403737,"channel":0,"num_words":17,"start":522.935,"end":527.75},{"sentences":[{"text":"Yeah.","start":527.865,"end":528.185,"sentiment":"neutral","sentiment_score":-0.04589515179395676},{"text":"Just time between the 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do","start":2626.925,"end":2628.045,"sentiment":"neutral","sentiment_score":-0.017896824205915134}],"sentiment":"neutral","sentiment_score":-0.017896824205915134,"channel":0,"num_words":3,"start":2626.925,"end":2628.045},{"sentences":[{"text":"Yep.","start":2627.7898,"end":2628.2898,"sentiment":"neutral","sentiment_score":0.024704119190573692}],"sentiment":"neutral","sentiment_score":0.024704119190573692,"channel":1,"num_words":1,"start":2627.7898,"end":2628.2898},{"sentences":[{"text":"form part of your overall assets.","start":2628.045,"end":2630.545,"sentiment":"neutral","sentiment_score":0.043480951339006424},{"text":"Do you want me to have a look and see whether there's anything I can do within those realms, insurance, super wise, to get a better product or cheaper product or better performance, better features with the insurance, anything like that?","start":2630.685,"end":2645.64,"sentiment":"neutral","sentiment_score":0.015666196031904802}],"sentiment":"neutral","sentiment_score":0.019217015858343307,"channel":0,"num_words":47,"start":2628.045,"end":2645.64},{"sentences":[{"text":"Potentially, no.","start":2649.5552,"end":2651.235,"sentiment":"neutral","sentiment_score":-0.1996370553970337},{"text":"Because I just set up a, you know, life insurance there.","start":2651.235,"end":2656.62,"sentiment":"neutral","sentiment_score":-0.17294855144890872}],"sentiment":"neutral","sentiment_score":-0.17705447513323563,"channel":1,"num_words":13,"start":2649.5552,"end":2656.62},{"sentences":[{"text":"Yep.","start":2656.5151,"end":2657.0151,"sentiment":"neutral","sentiment_score":-0.009947821497917175}],"sentiment":"neutral","sentiment_score":-0.009947821497917175,"channel":0,"num_words":1,"start":2656.5151,"end":2657.0151},{"sentences":[{"text":"But I can give you that because it's yeah.","start":2657.6401,"end":2665.2402,"sentiment":"neutral","sentiment_score":-0.012729481276538637},{"text":"It's just yep.","start":2665.2402,"end":2667.0852,"sentiment":"neutral","sentiment_score":-0.045313612868388496},{"text":"It's just all those, like, just tile.","start":2667.0852,"end":2669.165,"sentiment":"neutral","sentiment_score":0.0038536435791424344},{"text":"I'm with tile.","start":2669.165,"end":2670.225,"sentiment":"neutral","sentiment_score":0.02523530957599481},{"text":"And there's a life insurance there, a TPD, I think it's called, and, yeah, life insurance.","start":2670.5251,"end":2675.405,"sentiment":"neutral","sentiment_score":0.012035218649543822}],"sentiment":"neutral","sentiment_score":0.001177335844228142,"channel":1,"num_words":38,"start":2657.6401,"end":2675.405},{"sentences":[{"text":"I've got that 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don't","start":2683.74,"end":2684.38,"sentiment":"neutral","sentiment_score":-0.18958742171525955}],"sentiment":"neutral","sentiment_score":-0.0035481100019655746,"channel":1,"num_words":19,"start":2677.165,"end":2684.38},{"sentences":[{"text":"Yep.","start":2684.225,"end":2684.725,"sentiment":"neutral","sentiment_score":-0.17300765216350555}],"sentiment":"neutral","sentiment_score":-0.17300765216350555,"channel":0,"num_words":1,"start":2684.225,"end":2684.725},{"sentences":[{"text":"think I have to double check that out.","start":2684.38,"end":2685.7002,"sentiment":"neutral","sentiment_score":-0.27162356674671173},{"text":"I don't think I've made it the trust yet.","start":2685.7002,"end":2687.42,"sentiment":"neutral","sentiment_score":-0.26419994566175675},{"text":"I might have just left it.","start":2687.42,"end":2689.1,"sentiment":"neutral","sentiment_score":-0.223824476202329},{"text":"I think they said I think I might have just left it in the kitchen, but I think I wanna move that to a trust.","start":2689.1,"end":2693.9648,"sentiment":"neutral","sentiment_score":-0.17600199341773987},{"text":"I'm also","start":2694.025,"end":2694.585,"sentiment":"neutral","sentiment_score":-0.01055824477225542}],"sentiment":"neutral","sentiment_score":-0.20629802454262972,"channel":1,"num_words":50,"start":2684.38,"end":2694.585},{"sentences":[{"text":"Yep.","start":2694.56,"end":2695.06,"sentiment":"neutral","sentiment_score":-0.012785397469997406}],"sentiment":"neutral","sentiment_score":-0.012785397469997406,"channel":0,"num_words":1,"start":2694.56,"end":2695.06},{"sentences":[{"text":"looking at I don't know.","start":2694.585,"end":2695.545,"sentiment":"neutral","sentiment_score":-0.04950455091893673},{"text":"Do you do things like wheels and things like that 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it.","start":2701.5999,"end":2710.645,"sentiment":"neutral","sentiment_score":0.20225588202476502},{"text":"If you're wanting a trust structure, what you'll need to do is you'll need to have your estate take control of everything.","start":2711.185,"end":2716.885,"sentiment":"neutral","sentiment_score":0.17220473763617603},{"text":"That's the only way to make sure that the benefit goes into a trust structure.","start":2718.25,"end":2721.5498,"sentiment":"neutral","sentiment_score":0.26789740473032},{"text":"Otherwise, if you're wanting to, like, try and nominate like, if the beneficiary forms with the superannuation and any insurance 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to","start":2743.76,"end":2748.9,"sentiment":"neutral","sentiment_score":0.0704946018755436}],"sentiment":"neutral","sentiment_score":0.13204670389709267,"channel":0,"num_words":46,"start":2733.2449,"end":2748.9},{"sentences":[{"text":"Yeah.","start":2748.825,"end":2749.325,"sentiment":"neutral","sentiment_score":-0.0064638517796993256},{"text":"I","start":2749.545,"end":2749.705,"sentiment":"neutral","sentiment_score":-0.08126676827669144}],"sentiment":"neutral","sentiment_score":-0.04386531002819538,"channel":1,"num_words":2,"start":2748.825,"end":2749.705},{"sentences":[{"text":"individual","start":2749.6,"end":2750.1,"sentiment":"neutral","sentiment_score":-0.05423546954989433}],"sentiment":"neutral","sentiment_score":-0.05423546954989433,"channel":0,"num_words":1,"start":2749.6,"end":2750.1},{"sentences":[{"text":"can't 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them","start":2751.545,"end":2760.125,"sentiment":"neutral","sentiment_score":-0.13467480663372122}],"sentiment":"neutral","sentiment_score":-0.12822912096977235,"channel":1,"num_words":25,"start":2750.505,"end":2760.125},{"sentences":[{"text":"Yeah.","start":2760.6548,"end":2761.1548,"sentiment":"neutral","sentiment_score":-0.07540111988782883}],"sentiment":"neutral","sentiment_score":-0.07540111988782883,"channel":0,"num_words":1,"start":2760.6548,"end":2761.1548},{"sentences":[{"text":"set up, but I think they said if I write I have to go and double check it again.","start":2760.745,"end":2767.08,"sentiment":"neutral","sentiment_score":-0.12766505817049428},{"text":"I was just gonna just to make to check what I have there now because I think I've just put in and split it by the percentages to 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that's what I've done.","start":2776.365,"end":2777.985,"sentiment":"neutral","sentiment_score":0.10984011987845103}],"sentiment":"neutral","sentiment_score":0.10984011987845103,"channel":1,"num_words":6,"start":2776.365,"end":2777.985},{"sentences":[{"text":"Yep.","start":2778.51,"end":2779.01,"sentiment":"neutral","sentiment_score":0.04456541687250137}],"sentiment":"neutral","sentiment_score":0.04456541687250137,"channel":0,"num_words":1,"start":2778.51,"end":2779.01},{"sentences":[{"text":"Okay.","start":2780.7651,"end":2781.2651,"sentiment":"neutral","sentiment_score":0.03569866716861725},{"text":"That's something I have to check.","start":2781.325,"end":2782.685,"sentiment":"neutral","sentiment_score":-0.11188289398948352},{"text":"But, yeah, I'm open to for for that to to have a look at that.","start":2782.685,"end":2786.625,"sentiment":"neutral","sentiment_score":0.22760991801818212},{"text":"I just thought I'd mention that I because it it other recently done that.","start":2788.365,"end":2793.1099,"sentiment":"neutral","sentiment_score":-0.01584302314690181},{"text":"So but, yeah, I I had a health insurance as well, which I I canceled because it was just taking too much of my money, and I'm not sick.","start":2793.1099,"end":2804.73,"sentiment":"neutral","sentiment_score":-0.31378178619619074}],"sentiment":"neutral","sentiment_score":-0.1006603700037186,"channel":1,"num_words":65,"start":2780.7651,"end":2804.73},{"sentences":[{"text":"Yeah.","start":2805.285,"end":2805.785,"sentiment":"neutral","sentiment_score":0.016475550830364227},{"text":"Yep.","start":2806.085,"end":2806.585,"sentiment":"neutral","sentiment_score":0.055694546550512314}],"sentiment":"neutral","sentiment_score":0.03608504869043827,"channel":0,"num_words":2,"start":2805.285,"end":2806.585},{"sentences":[{"text":"Think I found the form I was looking for when you asked about my","start":2809.325,"end":2812.865,"sentiment":"neutral","sentiment_score":0.06125046578901155}],"sentiment":"neutral","sentiment_score":0.06125046578901155,"channel":1,"num_words":14,"start":2809.325,"end":2812.865},{"sentences":[{"text":"Expenses.","start":2814.2449,"end":2814.7449,"sentiment":"neutral","sentiment_score":0.03844096139073372}],"sentiment":"neutral","sentiment_score":0.03844096139073372,"channel":0,"num_words":1,"start":2814.2449,"end":2814.7449},{"sentences":[{"text":"weekly yeah.","start":2814.525,"end":2815.905,"sentiment":"neutral","sentiment_score":0.06895945966243744},{"text":"I found the form I filled for my I have to I have to start favorite bookmark this so that I can find it every","start":2816.285,"end":2825.9602,"sentiment":"neutral","sentiment_score":0.1177905923128128}],"sentiment":"neutral","sentiment_score":0.11417347137574796,"channel":1,"num_words":27,"start":2814.525,"end":2825.9602},{"sentences":[{"text":"Find","start":2825.77,"end":2826.0898,"sentiment":"neutral","sentiment_score":0.03278253972530365}],"sentiment":"neutral","sentiment_score":0.03278253972530365,"channel":0,"num_words":1,"start":2825.77,"end":2826.0898},{"sentences":[{"text":"time.","start":2825.9602,"end":2826.4602,"sentiment":"neutral","sentiment_score":0.04480043798685074}],"sentiment":"neutral","sentiment_score":0.04480043798685074,"channel":1,"num_words":1,"start":2825.9602,"end":2826.4602},{"sentences":[{"text":"it again.","start":2826.0898,"end":2826.75,"sentiment":"neutral","sentiment_score":0.03315872512757778}],"sentiment":"neutral","sentiment_score":0.03315872512757778,"channel":0,"num_words":2,"start":2826.0898,"end":2826.75},{"sentences":[{"text":"Yeah.","start":2827.32,"end":2827.82,"sentiment":"neutral","sentiment_score":0.09649288654327393}],"sentiment":"neutral","sentiment_score":0.09649288654327393,"channel":1,"num_words":1,"start":2827.32,"end":2827.82},{"sentences":[{"text":"Well, what I'll do is I'll get you the email through, Demisha.","start":2827.6099,"end":2830.01,"sentiment":"neutral","sentiment_score":0.14751554280519485},{"text":"That way, I can tear it apart and have a look at it.","start":2830.01,"end":2832.045,"sentiment":"neutral","sentiment_score":0.1354302316904068}],"sentiment":"neutral","sentiment_score":0.14123118102550505,"channel":0,"num_words":25,"start":2827.6099,"end":2832.045},{"sentences":[{"text":"Okay.","start":2832.28,"end":2832.78,"sentiment":"neutral","sentiment_score":0.15350021421909332},{"text":"Not a problem.","start":2833.4001,"end":2834.3,"sentiment":"neutral","sentiment_score":0.3254242142041524}],"sentiment":"neutral","sentiment_score":0.28244321420788765,"channel":1,"num_words":4,"start":2832.28,"end":2834.3},{"sentences":[{"text":"Perfect.","start":2835.085,"end":2835.585,"sentiment":"positive","sentiment_score":0.5860310792922974},{"text":"Well, I'll I'll send you an email with all the little bits and pieces that I would like from you statement wise.","start":2835.9648,"end":2841.645,"sentiment":"neutral","sentiment_score":0.2653234059160406},{"text":"If you need any help getting them, we can help you out, especially with, like, Tel, Brighter Super, stuff like that.","start":2841.645,"end":2847.28,"sentiment":"neutral","sentiment_score":0.25641816428729464},{"text":"We can we can contact them on your behalf if you give us authority to.","start":2847.28,"end":2850.98,"sentiment":"neutral","sentiment_score":0.2256080279747645},{"text":"But, otherwise, if you just wanna send statements through, that's completely okay as well.","start":2851.1199,"end":2854.66,"sentiment":"neutral","sentiment_score":0.2522107596908297}],"sentiment":"neutral","sentiment_score":0.2564794317091981,"channel":0,"num_words":73,"start":2835.085,"end":2854.66},{"sentences":[{"text":"Mhmm.","start":2855.47,"end":2855.97,"sentiment":"neutral","sentiment_score":0.1049533635377884}],"sentiment":"neutral","sentiment_score":0.1049533635377884,"channel":1,"num_words":1,"start":2855.47,"end":2855.97},{"sentences":[{"text":"And then if there's anything that does pop up, I'll flick you an email and organize a time to just touch base.","start":2855.52,"end":2861.6948,"sentiment":"neutral","sentiment_score":0.18292953751303934},{"text":"If there is anything that does you know, that I need clarification on or that I just sort of wanna double check with you, then I'll do that.","start":2861.6948,"end":2869.4749,"sentiment":"neutral","sentiment_score":0.08837126128907714},{"text":"But, otherwise, what I'll do is I'll start getting everything together and start researching your overall position and how we can best structure things for you.","start":2869.6948,"end":2877.3398,"sentiment":"neutral","sentiment_score":0.23367201565549925},{"text":"Now at the end of the day, if there's no advice that I can give you to put you in a better position, I'm going to tell you exactly 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outcome, but, you know, there's there's nothing I can do.","start":2888.025,"end":2891.945,"sentiment":"negative","sentiment_score":-0.49179912314695473},{"text":"You're sitting really good.","start":2891.945,"end":2893.325,"sentiment":"neutral","sentiment_score":-0.11441509611904621}],"sentiment":"negative","sentiment_score":-0.41153750905106146,"channel":0,"num_words":31,"start":2885.5598,"end":2893.325},{"sentences":[{"text":"Right now, you do or don't have the capacity to do 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have to pay my roof insurance because those people are now dragging me.","start":3227.74,"end":3232.14,"sentiment":"negative","sentiment_score":-0.3528845374073301},{"text":"They want to fix the roof.","start":3232.14,"end":3233.44,"sentiment":"neutral","sentiment_score":-0.31410954395929974}],"sentiment":"negative","sentiment_score":-0.341252039372921,"channel":1,"num_words":20,"start":3227.74,"end":3233.44},{"sentences":[{"text":"Yes.","start":3234.125,"end":3234.625,"sentiment":"neutral","sentiment_score":-0.07128560543060303}],"sentiment":"neutral","sentiment_score":-0.07128560543060303,"channel":0,"num_words":1,"start":3234.125,"end":3234.625},{"sentences":[{"text":"So I have to withdraw money from my income, which I use for the property to fix.","start":3235.26,"end":3241.245,"sentiment":"neutral","sentiment_score":-0.0889372343526167},{"text":"So, yeah, you're right 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I haven't earned as much as I would have liked to.","start":3405.4949,"end":3408.7148,"sentiment":"neutral","sentiment_score":-0.1604464091360569},{"text":"But yep.","start":3409.015,"end":3410.2349,"sentiment":"neutral","sentiment_score":-0.06755992025136948}],"sentiment":"neutral","sentiment_score":-0.004196761915945027,"channel":1,"num_words":73,"start":3384.245,"end":3410.2349},{"sentences":[{"text":"Yeah.","start":3412.7249,"end":3412.805,"sentiment":"neutral","sentiment_score":-0.00776001438498497},{"text":"Yeah.","start":3412.805,"end":3413.305,"sentiment":"neutral","sentiment_score":-0.003959402441978455},{"text":"And look, we we always have those years where I mean, it sounds like yours was particularly bad because of a bad tenant, but we always have those years where they ebb and flow.","start":3413.365,"end":3422.4,"sentiment":"neutral","sentiment_score":-0.18231881563277805},{"text":"So, I mean, fingers crossed, we can put you in a good position tax wise and get you paying as little tax as possible from that perspective.","start":3422.4,"end":3430.02,"sentiment":"neutral","sentiment_score":0.3272438460478076},{"text":"But,","start":3432.1748,"end":3432.4148,"sentiment":"neutral","sentiment_score":0.028466468676924706}],"sentiment":"neutral","sentiment_score":0.041460799431661144,"channel":0,"num_words":64,"start":3412.7249,"end":3432.4148},{"sentences":[{"text":"Yeah.","start":3432.4048,"end":3432.7249,"sentiment":"neutral","sentiment_score":0.06737013161182404}],"sentiment":"neutral","sentiment_score":0.06737013161182404,"channel":1,"num_words":1,"start":3432.4048,"end":3432.7249},{"sentences":[{"text":"yeah, let","start":3432.4148,"end":3433.1548,"sentiment":"neutral","sentiment_score":0.0753256268799305}],"sentiment":"neutral","sentiment_score":0.0753256268799305,"channel":0,"num_words":2,"start":3432.4148,"end":3433.1548},{"sentences":[{"text":"And if if I should do concessional as well, you know, like, it's it's should I should how 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speakers discuss financial goals and retirement plans for the next financial year. They discuss retirement goals and options for property sales, income, and the possibility of maximizing the cost of investment. They also discuss the structure of a trust and the importance of trust deed and updating property information. The speakers emphasize the importance of trusting and maximizing their strategy, and plan to start gathering information and researching further."},"intents":{"segments":[{"text":"So I guess before I do jump into it, I do need to let you know that our calls are recorded. And then from there, I guess the best thing for me to do is just to, in your own words, find out where you're at and what you're trying to, like, look at advice, what advice areas you're looking to engage in, and and what you're looking to achieve with respect to the advice. Sure. Thank you.","start_word":70,"end_word":147,"intents":[{"intent":"Discuss advice and goals","confidence_score":0.08658134}]},{"text":"The reason I was wanting to come come have a conversation is about just having that, you know, financial plan ahead of retirement, have a goal and put things in place. Yeah.","start_word":174,"end_word":205,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.1353215}]},{"text":"Can I ask, how how old are you? So when is when is retirement for you? Yeah.","start_word":285,"end_word":301,"intents":[{"intent":"Determine retirement age","confidence_score":0.051468916}]},{"text":"So this financial year, are we going to be making, like, maxima sorry. Are we going to be maximizing the concessional contributions, or does cash flow restrict that? 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Do you know what I mean?","start_word":1717,"end_word":1762,"intents":[{"intent":"Discuss tax advantages","confidence_score":0.0907027}]},{"text":"your tax refund. So, you know, I don't wanna pay $2,000, and I only have $20,000 a day Yeah.","start_word":1797,"end_word":1815,"intents":[{"intent":"Discuss tax deductions","confidence_score":0.04662075}]},{"text":"Because my my concern is is that if we start paying out income into the trust, trust trusts are taxed at 47% for any capital Woah. that's held. Is he?","start_word":1888,"end_word":1917,"intents":[{"intent":"Discuss tax implications","confidence_score":0.09960817},{"intent":"Discuss transferring income to trust","confidence_score":0.00026021668}]},{"text":"So, yeah, it's taxed at 40474747% tax on anything that's held within the trust. 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So shares property possibly under a trust structure, but we wanna be tax effective with it. 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Or so I received child support.","start_word":3527,"end_word":3546,"intents":[{"intent":"Inquire about child support","confidence_score":0.18684709}]},{"text":"And I I just, I guess, wanna ask, all the assets that you own, you own per like, you own yourself. My name.","start_word":3587,"end_word":3609,"intents":[{"intent":"Evaluate asset ownership","confidence_score":0.0025011168}]},{"text":"Well, I you didn't work for actually, I didn't work for, like, six months. So almost six months. So know. but here we are. And that's why I'm trying to get a positive cash flow as well. 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Just buying the car and paying from the company account, I guess. Yeah.","start_word":4736,"end_word":4798,"intents":[{"intent":"Do business","confidence_score":0.007198216}]},{"text":"So I'd like to do that, but there's not a lot there this financial year anyway Yeah. at this moment.","start_word":4799,"end_word":4818,"intents":[{"intent":"Discuss current financial situation","confidence_score":0.000003001102}]},{"text":"need a new car? Yes.","start_word":4846,"end_word":4850,"intents":[{"intent":"Get new car","confidence_score":0.5083708}]},{"text":"I can separate all the the account for the different Yes.","start_word":4954,"end_word":4964,"intents":[{"intent":"Separate account","confidence_score":0.38690233}]},{"text":"And the reason I'm holding off is because I'm trying to you know, whatever deposit now, I I can't touch any of the things because Yeah.","start_word":5213,"end_word":5238,"intents":[{"intent":"Manage investments","confidence_score":0.0014524106}]},{"text":"yeah, it's yeah. It's that's what they've projected or asked, but I haven't asked what the value of the property will be after it's completed because yeah.","start_word":5604,"end_word":5630,"intents":[{"intent":"Assess property value","confidence_score":0.14501269}]},{"text":"through the bank and get it valued that way because Mhmm. the way you've done it, especially if you've done it on realestate.com, it's not gonna show up as a true valuation because real estate is not gonna know that it has a separate dwelling on it, I hear so on and you. so forth.","start_word":5679,"end_word":5733,"intents":[{"intent":"Assess property value","confidence_score":0.5503002}]},{"text":"If you do that, they're gonna harass you. But if you use the real estate agent that you are intending on using Who's from gonna a rental harass capacity me to to rent it? You mean?","start_word":6040,"end_word":6075,"intents":[{"intent":"Rent property","confidence_score":0.02864785}]},{"text":"a valuation. Yes. Yeah.","start_word":6126,"end_word":6129,"intents":[{"intent":"Provide valuation","confidence_score":0.37574142}]},{"text":"So we're gonna build the Granny Flat. Our current investment property is chugging along. It's got rent coming in there as well, and we just wanna sort of, I guess, look after the kids and just let them grow up and do their thing from a personal point Hopefully. of view. Yes. Yes.","start_word":6153,"end_word":6205,"intents":[{"intent":"Help kids grow up","confidence_score":0.27126735}]},{"text":"You've got do you have a a son and a daughter or two sons? I also have another daughter.","start_word":6235,"end_word":6253,"intents":[{"intent":"Discuss son's role","confidence_score":0.020997759}]},{"text":"I also have another daughter.","start_word":6249,"end_word":6253,"intents":[{"intent":"Share son's love","confidence_score":0.0003583089}]},{"text":"So it's That's her you'll boyfriend.","start_word":6254,"end_word":6259,"intents":[{"intent":"Discuss son's stance","confidence_score":0.00049631984}]},{"text":"The biggest thing for me is probably just getting a few more data points from yourself. So I am.","start_word":6375,"end_word":6393,"intents":[{"intent":"Get data points","confidence_score":0.043698695}]},{"text":"And from there, what I'll do is I'll start putting together research to be able to start articulating where we can head.","start_word":6455,"end_word":6476,"intents":[{"intent":"Arrange research","confidence_score":0.85161215}]},{"text":"One of the biggest things I am gonna ask for is the trust deed for your discretionary trust.","start_word":6477,"end_word":6494,"intents":[{"intent":"Review trust deed","confidence_score":0.026096482}]},{"text":"do they do Yep. form part of your overall assets. Do you want me to have a look and see whether there's anything I can do within those realms, insurance, super wise, to get a better product or cheaper product or better performance, better features with the insurance, anything like that?","start_word":6622,"end_word":6672,"intents":[{"intent":"Discuss insurance","confidence_score":0.007962638},{"intent":"Review product","confidence_score":0.00489984},{"intent":"Provide better performance","confidence_score":0.07369401},{"intent":"Discuss future product","confidence_score":0.00036597997},{"intent":"Discuss insurance options","confidence_score":0.012089259}]},{"text":"I think I have made those are things that I probably need to change days, the beneficiary.","start_word":6731,"end_word":6747,"intents":[{"intent":"Change beneficiary days","confidence_score":0.39409938}]},{"text":"I, with respect to doing, like, beneficiary nominations and stuff like that, we can definitely make sure that we consider how to best format it.","start_word":6824,"end_word":6848,"intents":[{"intent":"Format trust","confidence_score":0.4306911}]},{"text":"You could nominate a direct person or you can nominate Yes. your estate.","start_word":6908,"end_word":6920,"intents":[{"intent":"Nominate direct person","confidence_score":0.43051857}]},{"text":"If you nominate your estate, your estate can then distribute any of the assets or or income to whichever structure you want it to.","start_word":6921,"end_word":6944,"intents":[{"intent":"Distribute assets/revenues","confidence_score":2.7983933e-7}]},{"text":"So but, yeah, I I had a health insurance as well, which I I canceled because it was just taking too much of my money, and I'm not sick. Yeah.","start_word":7093,"end_word":7122,"intents":[{"intent":"Evaluate financial situation","confidence_score":0.0038939402}]},{"text":"Another thing to our free will be so that investment property was not rented for many months because it had some structural problems, which is now fixed. It's now rented back. So for Okay.","start_word":7507,"end_word":7540,"intents":[{"intent":"Discuss investment property","confidence_score":0.07736926},{"intent":"Discuss property investments","confidence_score":0.027713537}]},{"text":"So this year, this financial year that we're in now, is this the best year to withhold my income in my company name, or should I pay myself everything so that I can get the tax benefit? Yeah.","start_word":7574,"end_word":7611,"intents":[{"intent":"Confirm tax benefit status","confidence_score":0.00003210781},{"intent":"Provide tax benefit","confidence_score":0.008271745},{"intent":"Discuss tax benefit","confidence_score":0.1423536},{"intent":"Discuss tax benefits","confidence_score":0.027411396}]},{"text":"I will I will pull the figures and have a look, but it Yeah.","start_word":7619,"end_word":7632,"intents":[{"intent":"Pull up figures","confidence_score":0.015699495}]},{"text":"I'll double check from my company account this financial year to myself.","start_word":7667,"end_word":7678,"intents":[{"intent":"Double check income","confidence_score":0.33970767}]},{"text":"And if if I you know, if if that's taken as my income from a tax taxable income, like, say, $20 and I've spent, say, 100,000 on fixing, there's no tax advantage there from a tax perspective, is there, this year? Like, for the property, all all the things I've spent on the property Correct. or the Yeah. amount.","start_word":7679,"end_word":7737,"intents":[{"intent":"Clarify income","confidence_score":0.0015192645}]},{"text":"Realistically, possibly, this financial year is not gonna be a financial year for you to do anything much. That that could also go from a putting contributions into your super fund. I will run the numbers.","start_word":7841,"end_word":7876,"intents":[{"intent":"Analyze financial impact","confidence_score":0.006403634}]},{"text":"especially especially if our like, the the the basically, the the the toss-up is, do we pay company tax at 30% or do we pay marginal tax rate?","start_word":8488,"end_word":8515,"intents":[{"intent":"Explain tax rate","confidence_score":0.010924827}]},{"text":"especially especially if our like, the the the basically, the the the toss-up is, do we pay company tax at 30% or do we pay marginal tax rate? And that's that's gonna basically be the the the coin flip that we're gonna deal with. Exactly.","start_word":8488,"end_word":8532,"intents":[{"intent":"Discuss expenses","confidence_score":0.11186352}]},{"text":"Can I ask, do you have a good accountant that you actually sit with and work with?","start_word":8592,"end_word":8608,"intents":[{"intent":"Confirm accountants","confidence_score":0.0030567953},{"intent":"Assess accountant role","confidence_score":0.000104173494},{"intent":"Clarify accountant qualifications","confidence_score":0.0025313974}]},{"text":"Be because I was hasn't I haven't worked in six months. I almost six months in this financial year. I've been thinking about changing my accountants because I've not done my past as a result. So I've spoken to the agent and said, look. I've not done my past because I have not, you know, worked. What? Yep.","start_word":8617,"end_word":8674,"intents":[{"intent":"Discuss past work","confidence_score":0.03913016}]},{"text":"We have accountants that we refer to, mhmm. and we only use them because they have done such great work for our clients historically. Okay.","start_word":8709,"end_word":8733,"intents":[{"intent":"Recommend accountants","confidence_score":0.0107906535}]},{"text":"We have accountants that we refer to, mhmm. and we only use them because they have done such great work for our clients historically. Okay. Other like, I have previously ceased refer like, referring clients to other firms because they, you know, haven't done good work. Alright.","start_word":8709,"end_word":8755,"intents":[{"intent":"Explain client referrals","confidence_score":0.000046456462}]},{"text":"But then I thought, let me just find out, you know, what I need to do because, obviously, a strategy is good to have a strategy. It's just not the money being paid for how am I trying to maximize my strategy in this kind of shade that I've spent a lot on renovating, you know, an investment property.","start_word":8841,"end_word":8899,"intents":[{"intent":"Maximize strategy","confidence_score":0.032031756}]},{"text":"Based on the income that you pulled in, I'm thinking possibly not. Yeah.","start_word":9040,"end_word":9052,"intents":[{"intent":"Determine income","confidence_score":0.014721308}]},{"text":"It's just so marginal tax rates, you when when we pay when we pay tax personally, we pay it at a marginal rate. For the first 18,200, we pay no tax on.","start_word":9083,"end_word":9114,"intents":[{"intent":"Determine concessional tax rates","confidence_score":0.008264989}]},{"text":"You did speak with Kaden originally, didn't you? Yes.","start_word":9516,"end_word":9524,"intents":[{"intent":"Confirm conversation with kaden","confidence_score":0.0030346434},{"intent":"Confirm kaden's availability","confidence_score":0.11196461},{"intent":"Confirm kaden's availability","confidence_score":0.17610365},{"intent":"Discuss kaden's availability","confidence_score":0.0073432964},{"intent":"Confirm conversation with kaden","confidence_score":0.022333283},{"intent":"Confirm kaden's availability","confidence_score":0.13708162}]},{"text":"Just to keep me confused even more. I know.","start_word":9622,"end_word":9630,"intents":[{"intent":"Apologize for confusion","confidence_score":0.003496603}]},{"text":"Alrighty. Have We'll speak soon. some. Alright. Bye. Bye.","start_word":9666,"end_word":9674,"intents":[{"intent":"End conversation","confidence_score":0.2596803}]}]},"sentiments":{"segments":[{"text":"Hello? Hi.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.09220888465642928},{"text":"Good afternoon, Pearl.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.33517947793006897},{"text":"Larissa here from OC Financial. How are you going?","start_word":5,"end_word":13,"sentiment":"neutral","sentiment_score":0.2627488076686859},{"text":"I'm well. Thank you so. Really good. Thank you.","start_word":14,"end_word":22,"sentiment":"positive","sentiment_score":0.6465931534767151},{"text":"I'm the head of financial advice. I was giving you a call to go through and have a discussion with you with respect to the the advice that you were looking to seek. I know that you've been speaking with my team, Maddie and and Jordan. Yeah. So I guess before I do jump into it, I do need to let you know that our calls are recorded. And then from there, I guess the best thing for me to do is just to, in your own words, find out where you're at and what you're trying to, like, look at advice, what advice areas you're looking to engage in, and and what you're looking to achieve with respect to the advice. Sure. Thank you. Sorry. I missed your name. Is it Lisa? Larissa. Sorry. Larissa. That's okay. Okay. And it's from Oakview. Financial. Okay. Yeah. Alright.","start_word":23,"end_word":169,"sentiment":"neutral","sentiment_score":0.07896607369184494},{"text":"So thank you, Larissa.","start_word":170,"end_word":173,"sentiment":"positive","sentiment_score":0.3754952847957611},{"text":"The reason I was wanting to come come have a conversation is about just having that, you know, financial plan ahead of retirement, have a goal and put things in place. Yeah. I also want to look at what options I have there. Like I said, goals, look at what options I have that are available to me, and also, yeah, the goals, options in terms of, you know, property shares and how to diversify. Yeah. Yeah. Those are the key things and whatever else needs to that you would inform someone that needs to be sort of financially responsible and looking towards retirement in the few years. Yeah. Yeah. Perfect. Can I ask, how how old are you? So when is when is retirement for you? Yeah. Well, I'm 51 at the moment. Yeah. Yep. So retirement from would be paying from the gold how the gold a bit. Okay. And then it's just yeah. Depending on on where things fall from there Yeah. as to whether I mean, you I can could've said it today if if I had a always away. If we could just retire today, we all would. Yes. Exactly. Okay. So we're looking to sort of look at, like, shares of property Yes. and Simple. see where those things fit. Yeah. SMS is self managed super funds, potentially. Yes. Whatever Okay. is the manage funds other than the SMS. It's just what you you would just financial advice. Yeah. Yeah. Okay.","start_word":174,"end_word":420,"sentiment":"neutral","sentiment_score":0.07332609696426855},{"text":"Cool.","start_word":421,"end_word":421,"sentiment":"positive","sentiment_score":0.3413870334625244},{"text":"No. That's alright. So financial advice forms multiple different, I guess, areas. And I can I can see that you have your primary residence, so the home that you live in, and then you'd already have an investment property as well? Looks like you have a bit of equity within those properties that you could potentially utilize to purchase again. But are you wanting to hold those the property in your own name, or are you wanting to sort of diversify out into an SMSF fund specifically for property purchase? So it doesn't have to be my own name. You mean future property that I purchased, you mean? Like, in Yes. future ones? Yes. I Yes. So, like, a, Yeah. yeah, future property. Yeah. It doesn't have to be my name, and it doesn't have to be necessarily within SMSF. Okay. So it's just you're open to to either option. So I'm open to yeah. Probably not. Yeah. Once you have a view of it, maybe tell me if you maybe you might say buy one more in your name first or Yep. because I've got a a trust. I've got a company that I could I've created a trust that I could potentially buy the property in, but I haven't used it yet. So I'm sort of working my way towards my goal, but I just need some advice, I guess, in terms of, you know, how best to and the priority of those things as well, Yep. maybe. Yeah. Yeah. Okay. Alright. So let's I guess, let me go through and and sort of grab a couple of details so I can fill a few things out Mhmm. and just get more of a an overarching understanding of where you sit. So Yes. I understand you work in, like, IT. You're fully administration based. Yes. And we're a contractor. Is that correct? Yep. Alright.","start_word":422,"end_word":737,"sentiment":"neutral","sentiment_score":0.10603763922294485},{"text":"Fantastic.","start_word":738,"end_word":738,"sentiment":"positive","sentiment_score":0.6351944208145142},{"text":"Are you do you contract to the one company, or Yes. do you contract to multiple different firms? Well, at the moment, one, ideally, multiple when and I mean, working for different doing different providing services to multiple is where I want to be. But at the moment, it's the one. Okay. Sorry, sir. Let me let me rephrase that. It's one at a time. Yeah. Yeah. One at a time. Yep. Yeah. So, Alright. yeah, I'm not just stuck at the one one place, but I do Yeah. once the contract finishes, I will then go to another place. But I would like to do multiple at a time if that's what the question was about. Yeah. Yeah.","start_word":739,"end_word":857,"sentiment":"neutral","sentiment_score":0.02329537831246853},{"text":"That's perfect.","start_word":858,"end_word":859,"sentiment":"positive","sentiment_score":0.419649213552475},{"text":"And the contract, usually a twelve month contract? Or Usually. Very. Yeah. Usually? Usually. Fine. Okay. Six Perfect. to twelve months. Yeah. Six to twelve. Alright. Perfect. Now income wise, what kind of income is the contract work producing? And then secondarily to that, what are you paying yourself, or are they the same amount Yeah. Okay. less So tax? I'm not putting myself on a salary Yep. yet. I have to that's another thing. I have to structure that in a way that benefits me the most at the moment. It's just not structured yet because it's Yeah. worth only, like, almost three years old now. So Yeah. I'm still a little baby in that regard. So I I everything just goes into that company account, and I just do director drawings, and that's sort of classified as income for me. There's no sort of wages or salary that I Yeah. pay Yeah. And so the super and on the back of that is the superannuation, like, concessional contributions. Yeah. So as a result, there's no regular. I just put in I I tried to max it out last financial year for my non concessional. So is it not yes. Yeah. No. Concessional, but I know what That's you mean. definitely not. Yeah. But I would like to also talk about not only maxing out, but, you know, advice around the nonconsensual part of it as well. Yeah. Maxing that out. Oh, not maxing out, but adding additional on top of what is the concessional one. Yep. Yeah. Okay. Cool. No.","start_word":860,"end_word":1121,"sentiment":"neutral","sentiment_score":-0.0004422068560339567},{"text":"That's good.","start_word":1122,"end_word":1123,"sentiment":"positive","sentiment_score":0.3344559371471405},{"text":"Alright. So we're we've been maxing out concessional, possibly looking at nonconcessional avenues. Do you know what like, if you were to look at 12 like, over the last twelve months, what what income has come in for, like, the company? Okay. About the last twelve months, I'll have to check. Let me see. Maybe ballpark, let's say, not a lot of this financial year, but let's say around $80.90, they're about. And we only have K. two months or three months left here. So the previous year was way more, but last you so you mean last financial year or this one? Like, the yeah. This financial year. Okay. Yeah. So yeah. So this one, yeah, around about 90, maybe. Yeah. Okay. 8 And then to 90. with two months left to go, would you say that you're sort of still on track for that maybe 90 just pushing into the 100,000? Yes. Yes. Okay. And then last financial year, what did you do you know what you turned over? Last financial year was I think it was, like, $2.20, something like that. Okay. Yep.","start_word":1124,"end_word":1309,"sentiment":"neutral","sentiment_score":0.0028590557631105185},{"text":"Quite a substantial drop between years.","start_word":1310,"end_word":1315,"sentiment":"negative","sentiment_score":-0.3367197811603546},{"text":"Yeah. Yeah. I didn't I didn't work for a couple of months this financial year. That's why. Okay. Just out of choice or just the contract ended and it was time between the two? Yeah. Just time between the two. Yeah. Okay. Alright. That's okay. So this financial year, are we going to be making, like, maxima sorry. Are we going to be maximizing the concessional contributions, or does cash flow restrict that? No. I I intend to max out. And that's Okay. why I thought yeah. I intend to because I think the max is 30. I've not 30. even added anything this year at all, so I plan Okay. to max out this year. Yep. Okay. Now do you know what's sitting in the company as sort of capital at the moment, like, within the bank accounts? Yes. Just give me one quick tick. You're okay. I have removed some. So right now, I have this 59 let's see 60,000. 60. Yep. 60 at the moment. Alright. Okay. And the structure of the company, is it a trust with a company, or is it just a company structure? This is just a company structure. The other one I was telling you about the trust is a different company altogether. Okay. Yeah. The No. one That's okay. I was, yeah, intending for the property purchase. Oh, okay.","start_word":1316,"end_word":1543,"sentiment":"neutral","sentiment_score":-0.04451447104005829},{"text":"Perfect.","start_word":1544,"end_word":1544,"sentiment":"positive","sentiment_score":0.42855578660964966},{"text":"So I guess to make it clear in my head and make sure that I've got everything covered, the company so the company that you're operating the business under, what's it called? It's called let's call it RPL. Up here. Okay.","start_word":1545,"end_word":1585,"sentiment":"neutral","sentiment_score":0.08585968613624573},{"text":"Perfect.","start_word":1586,"end_word":1586,"sentiment":"positive","sentiment_score":0.4176280200481415},{"text":"It's RPL.","start_word":1587,"end_word":1588,"sentiment":"neutral","sentiment_score":0.2810547947883606},{"text":"Yes. Fantastic.","start_word":1589,"end_word":1590,"sentiment":"positive","sentiment_score":0.5007883906364441},{"text":"RPL. And then the trust, does that have, like, a name? I mean, it will, but Yeah. I can't remember right now. I've I've literally gone into it, like, once or twice since it was created almost ten months ago. that's okay. You know? Trying to, you know, get into it, but then things just slowed down. So I was like, yeah. No. Mhmm. That's okay. So is that just a trust or is that a trust with a company structure? So that's in the company Trusting company. Alright. And currently, that owns nothing? structure. It owns nothing, but I was wanting to actually start diverting the my salary into the into the trust. I was going to start it, so that's another thing too. But I don't know if I should wait till, you know, the end of this financial year and just start or just start putting the again, just for tax advantages, but I don't know if there's any advantage this year. Do you know what I mean? I don't just wanna Yep. put it there so they complicate and have to pay because at the end, I think the accountant, they charge you when they're dealing with another entity to do Yes. your tax refund. So, you know, I don't wanna pay $2,000, and I only have $20,000 a day Yeah. And sort of what thing. would you do what would you do under the trust? Okay. So under the trash, what I would do is do some share. I would like Yes. to do some share straight in the Perfect. property per property. You know? Yep. I don't know. Yeah. If I get a property, then I would like to put it through the draft. Yeah. No. I have Cool. not yeah. Because my my concern is is that if we start paying out income into the trust, trust trusts are taxed at 47% for any capital Woah. that's held. Is he? I didn't Yeah. know that. So and it'll depend on which struct which trust structure you have, but, realistically, you're probably I'm assuming a discretionary trust is what you've set up. Hello? Yes. And the Yes. the Mhmm. yep. It's the family or a discretionary, and generally speaking, it's it's more than likely a discretionary. Yes. So, yeah, it's taxed at 40474747% tax on anything that's held within the trust. Now there are some ways that we can tax mitigate, reduce, and strategies that we can implement, but, yeah, definitely don't just start transferring the income into the trust and holding it Yeah. because it becomes capital and capital under the trust Yeah. tax. So Okay. Even if I was gonna do shares with them, don't just transfer. yeah. Under the shares, like, there's there's structures that we can incorporate to make sure that it's all kosher. But, yeah, we you don't just don't just transfer it in and and let it hold. We need to make sure that we set it up properly. Mhmm. Okay.","start_word":1591,"end_word":2093,"sentiment":"neutral","sentiment_score":-0.05878009686383528},{"text":"Alright. So we can definitely help with that to make sure that we're we're tax minimizing and we're being smart in that form. Now property and shares, a 100%, we can we can have it all operating that way.","start_word":2094,"end_word":2132,"sentiment":"positive","sentiment_score":0.5938172936439514},{"text":"Would No. That's okay.","start_word":2133,"end_word":2136,"sentiment":"neutral","sentiment_score":0.07702081650495529},{"text":"Perfect.","start_word":2137,"end_word":2137,"sentiment":"positive","sentiment_score":0.49101483821868896},{"text":"Now other assets that you hold, so is it just the two properties that you own? Do we have any any vehicles or money in your personal bank account? Okay. So for the vehicle, no. My vehicle is pretty much just they're just going, taking me from a to b, so there's nothing more in there. Yep. So I wouldn't call that an asset. Then there's also oh, yeah. So for the account bid, I do have in the offset. So Yeah. I do have money in the offset, and that is the 200. 200, you say? Yes. 200? Perfect. K. So Yeah. On the I k. just want Yeah. so I just wanna double check. The our primary place of residence is worth about 1,500,000, Yes. and then the debt on it is 400,000. Is that including the money in offset? So the actual debt is 600, or is it 400,000 and you've offset 200, so you're only incurring interest on the remaining 200? Yes. So, actually, to be complete, it's actually yes. It's original debt was 2, but I just took a loan because I'm trying to do, like, a a build behind the property. Yep. Yep. So that's why I'm just working with the the build amount. So the build amount Yep. is going to be around 3, actually. So yep. Okay. And then but I was gonna rent it and then get income from there. Okay. So So we're it's we're gonna basically look different by the end of this year, by the time the bill is complete. no. That's okay. So are you currently on, like, a builder's loan? Yes. But it's all it's I'm not paying anything. It's Yeah. zero. Until it's built. Yeah. So Yeah. And then I have another yep. savings that I'm gonna use towards that so that I'm not paying any interest until it's complete. Okay. So the current loan would be 200,000 then, and you fully offset that with the offset account. But then you have a a pending builder's loan for about 300,000 Correct. that Correct. will that will get released as you go through staging. Yeah. When it's finished, I will use so I've got another backup that I'm going Yes. to use for that build so that I'm not paying any interest until I absolutely have to. Yep. So, Okay. really, I have, like, 4 in savings, if you wanna put it that way. Okay. So we've got 200 in the offset, and then we have, like, another bank account that has another 200,000. Yes.","start_word":2138,"end_word":2566,"sentiment":"neutral","sentiment_score":0.04470530095008703},{"text":"Okay. Perfect.","start_word":2567,"end_word":2568,"sentiment":"positive","sentiment_score":0.4931507408618927},{"text":"And we're intending on shifting that money into the offset once the bill's released because we don't wanna incur any interest. Then Correct. Correct. So no. No. It's it's a bit Mhmm. moved no. No. Sorry. The offset will remain. The loan building loan will remain. But Yep. then I'll use the spare second account that has the 2 k $4,200 k for the building. Yep. And And then I'll pay myself once the building is complete. you I'll pay myself back. I'll transfer from the bank loan into my account if I can. I think I can. Don't know. Can't I?","start_word":2569,"end_word":2670,"sentiment":"neutral","sentiment_score":0.055209189653396606},{"text":"Well, if the money's been exhausted, no.","start_word":2671,"end_word":2677,"sentiment":"negative","sentiment_score":-0.3612857460975647},{"text":"It'll just depend on so, like so so right now, theoretically speaking, you could with the money that's an offset, you could pay off your your primary foot your primary residence loan. You obviously haven't because it it the money in offset gives you liquidity. There's no Yes. problems there. You've Yes. applied for and taken out a building loan, and Yes. that'll sit there as basically a pending loan that will get drawn. So if if if it's being accepted, the builder basically has access. And what will No. happen They don't. I've I've got control of that. yeah. So what what Sorry. will happen Yep. is no. Yeah. What will happen is when when you go through staging with with the build, so once the foundation's poured, the builder is able to apply to the lender to say, hey. We've met this requirement. This amount of money can be released. Correct. How Generally, maybe that's I didn't that's how building loans explain work, generally. correct. Yes. You're right. You're absolutely right. But in my case, I've taken it just as a a loan. It's not called a building loan. It's just a loan. Okay. Do It's you understand? just the standard So loan. yes. Right. So that's why I can book transfer at will. Understood. So Okay. yeah. That's why I was trying to explain. So what I Yeah. have in this pay, I will use that to pay the builder, and then the what's in the loan. Once the building is almost complete, I'll transfer it into my one, then I can start repaying that loan. Understood.","start_word":2678,"end_word":2947,"sentiment":"neutral","sentiment_score":0.01912840455770493},{"text":"Perfect.","start_word":2948,"end_word":2948,"sentiment":"positive","sentiment_score":0.33612582087516785},{"text":"Okay. Cool. Sorry. I got No. there in No. the No. end. It's so okay. Alright. So I guess let's let's just call them two loans because that essentially, that's what they are. With the two loans, one of them hasn't been drawn down on, so it's fully offset right now. Yes. Yeah. Toulon. Correct. Yeah. Yep. And then we've got our investment property, and I've got a value of about 1.1 mil. Yes. It's about 500,000 in debt on the mortgage. On the yes. Yes. On that mortgage?","start_word":2949,"end_word":3037,"sentiment":"neutral","sentiment_score":0.04891389064239652},{"text":"In Fantastic. the invest investment one.","start_word":3038,"end_word":3043,"sentiment":"positive","sentiment_score":0.42346060276031494},{"text":"Investment Yes. Yep. property. When Yeah. And what's the income from that property? you see income, you mean the rent? Yeah. Yeah. Right. Okay. So it's it's 1,100 per week. 1,100 per week? Alright. Is that the gross amount before, like, the real estate's taken any of their fees or anything like that? At the moment, yes. It is the gross amount. The it's not being this one with the real estate at the moment. So Okay. Alright. yes.","start_word":3044,"end_word":3122,"sentiment":"neutral","sentiment_score":0.011614058166742325},{"text":"Perfect. Amazing.","start_word":3123,"end_word":3124,"sentiment":"positive","sentiment_score":0.672052264213562},{"text":"And then you said you had another bank account that basically had that 200,000 sitting in it as well. Alright. Are there any other assets, shares, any little hidey holes, or Yes. anything like that that I need to know about? Shares, I got about seven k days. Not a lot, so I'm trying to grow that. Yep. Is that personally owned? Where where where have we traded Yeah. through? Yes. Personal. CMC. Yep. So it's it's it's personal. It's under my name. It's under any Yep. entity or yeah. Nope. That's absolutely okay. Perfect. Okay. So we've got we've got some decent assets built up, and we're looking to possibly go out and buy more assets. So shares property possibly under a trust structure, but we wanna be tax effective with it. Mhmm. And then a possibility to maybe shift some of your income or all of your income from your the comp like, RPL company over into the trust. To be able to figure out what yeah. No. You're you're you're okay. Go ahead. No. No. No. No. I was just agreeing. Yeah. To be able to figure out what that, I guess, kinda looks like, I need to know what your lifestyle looks like. So what income you actually require to be able Yeah. to live Yeah. day to day. Yeah. So so I'm very light. So oh my gosh. I had this amount. My my expenditure, I should have written this figure down because it keeps I don't do so my expenditure, I think I had was it five I have to double check. I let me let me quickly give you because if the math has been done, I don't want to start doing the math again. No. You're okay. I did provide it to the person that did my lending. Let me see. Don't also give it a long ago. Can you ask me some other questions while I'm looking for that? I'm just on Yeah. my Of email course. straight away. If there's other ones, I don't wanna hold up. No. But No. I You're do know so that fine. I give it to Okay. So with with your expenses, does that include the two kids? Yes. Yep. But I And co parent. So okay. And that was gonna be my next question. Do you co parent or is there, like, a split parental relationship? Is there any child support that has to be paid on either either side? Or so I received child support. Yep. So my second I mean, the seventeen year he'd be 18 at the end of this in October, so that's pretty much almost Exhausted. yeah. So but, yeah, I do receive some, yep, Okay. support. Do not find it. And I I just, I guess, wanna ask, all the assets that you own, you own per like, you own yourself. My name. There's no one else. Yeah. There's no one else that owns them shared with you? No. No. Cool. Just wanna double check. Alright.","start_word":3125,"end_word":3632,"sentiment":"neutral","sentiment_score":-0.018722206768469783},{"text":"Perfect.","start_word":3633,"end_word":3633,"sentiment":"positive","sentiment_score":0.3358703851699829},{"text":"So with with respect to, I guess, the superannuation contributions and possibly looking at alternative income sources for you and looking at sort of where we can direct some of your your assets, I do wanna have a look at your super fund. I understand that you do have Rider Super as your Mhmm. superannuation platform and about $380,000 sitting within the fund. Yes. What I would like to look at and it's not something you necessarily have to get today. It's something that, you know, I can send an email for like, to you for you to sort of maybe provide it at a later date. Mhmm. But I wanna look at the historical amounts of money that you put into the account over the over the Oh, last number of years. It's something you can yes. obtain from the ATO. And the reason I wanna look at that is, a, from a tax effective point of view, whilst you may have been maxing out, you know, the $30,000 contribution for the last couple and while you've been, you know, as a company structure working for yourself for the last three years, there may be a couple of years that we could use the caps and do it tax effectively. You mean to accumulate the to use the tax from previous years? I mean, that you mean to max out previous years? Okay. Contribution caps. Yeah. Yeah. Because, yeah, it was only 30. I've only been doing this maxing out on the last financial. Pre prior to that, everything I was pagey. I've only started this contracting thing in the last three years. Yep. So, yeah, it was PG prior to that. Okay. So it was just taken from my employer directly. Yeah. So Yep. you weren't maxing out the contribution caps. You were you No. were just No. you It wasn't. were just the caps Mhmm. were with yeah. So can I ask before you went to contractor or, like so last before last financial year where you went to 02/20, what was your rough income prior to that? So financial year 2223 was the last year I did with salary. Income was one I think it was $1.20 average. Yeah. Okay. Yeah. For many years. Yep. Right. It grew ninety, hundred, one ten. But yeah. So Yeah. Okay. So quite a jump between between, you know, 01/20 up to 02/20. And yeah. then, Because I was contracting, and that's why. Because yeah. Well, I you didn't work for actually, I didn't work for, like, six months. So almost six months. So know. but here we are.","start_word":3634,"end_word":4072,"sentiment":"neutral","sentiment_score":0.048341229880453515},{"text":"And that's why I'm trying to get a positive cash flow as well.","start_word":4073,"end_word":4085,"sentiment":"positive","sentiment_score":0.5732855200767517},{"text":"Yeah. And Just get everything yep. sorted. Yeah. Yep. Okay. So I haven't I guess found that information. I'm sorry. Let no. me That's okay. I can always send you an email, and you can just reply to the see. email when Yeah. you have a chance to have a look for it. Or sometimes, you know it's there. It's just digging for it. It's It's here. Mhmm. pain. Do you know have you like, as a business, generally, you know, sort of you'll do a trajectory forward to sort of future plan for the business. What's the business trajectory for next financial year? So that's '26, '27. So it's not you know, like, I if I have employers. It's it's Yeah. a consult like, you know what I mean? It's just this self contracting thing where I provide offer my services. Well, that's my trajectory because I've got another year's worth of contracts now. So let me do the math again. I think it's time 52. Bear with me. Some my trajectory. So this is before tax. Right? Yes. Yeah. Gross. Yeah. Of course. Okay. Okay. So it should check through the it's 2 oh, how is that? It's 220. Let's see. 220.","start_word":4086,"end_word":4289,"sentiment":"neutral","sentiment_score":0.061759717762470245},{"text":"Okay. Perfect. So that means that based on that, next financial year will probably be where we can start really executing some of the strategies more heavily than this financial year, especially if you're on track for that 90 to a 100 by the end by the close of this financial year.","start_word":4290,"end_word":4341,"sentiment":"positive","sentiment_score":0.4040536880493164},{"text":"Mhmm. You've you Okay. we're gonna be sort of capping out a lot of from a tax effective point of view, we're gonna be capping out a lot of of strategies. You know? If we start putting too much into the super fund or too many too much money into certain buckets, Yeah. what's gonna happen is you get you're just gonna you're gonna cap out tax wise, and there's gonna be no benefit to moving the money around this year.","start_word":4342,"end_word":4422,"sentiment":"neutral","sentiment_score":0.038589917537238866},{"text":"But next year, if we're on on on track to do that 02/20, we can much more tax effectively start strategizing.","start_word":4423,"end_word":4443,"sentiment":"positive","sentiment_score":0.4095599055290222},{"text":"Mhmm. Okay. That doesn't mean that we we, you know, we stop or or pause anything right now.","start_word":4444,"end_word":4461,"sentiment":"neutral","sentiment_score":0.2191847860813141},{"text":"It just means that we can start future planning really nicely and effectively. Yeah. That's right.","start_word":4462,"end_word":4477,"sentiment":"positive","sentiment_score":0.4546967148780823},{"text":"Because even with the, you know, with the income, you know, there's this quote seventy, thirty, 20 rule or something like that.","start_word":4478,"end_word":4499,"sentiment":"neutral","sentiment_score":0.2918659448623657},{"text":"So I wanted to start just doing the, you know, the shares and just putting everything on auto so that I can transfer and get the shades bought every every week and things like that.","start_word":4500,"end_word":4534,"sentiment":"positive","sentiment_score":0.425635427236557},{"text":"But I guess I wanted to have a plan first before doing that, and it's been on my mind now for three years, simply. Yeah.","start_word":4535,"end_word":4559,"sentiment":"neutral","sentiment_score":0.1984403133392334},{"text":"So I don't have any structure in place, which is, yeah, killing me.","start_word":4560,"end_word":4572,"sentiment":"negative","sentiment_score":-0.5003983378410339},{"text":"Yeah. Okay. No. That's okay. We can definitely sort of structure things a little bit better with regards to where we're directing money and how we're the overall function of things. Is there anything, I guess, that I haven't, I guess, touched on that you have as an overarching goal that you're trying to work towards? So whether it be make sure that you have money put aside for the kids and have have some, you know, investments for them for when they get a little bit older, or, you know, is it that you need to buy a new car? Is it that you know, anything else apart from, like, I Yeah. guess, the big ones that we've touched on?","start_word":4573,"end_word":4693,"sentiment":"neutral","sentiment_score":0.13813471794128418},{"text":"I was not I'm not a big fan of well, once this is all done, then my head space will be in a different place, I guess.","start_word":4694,"end_word":4720,"sentiment":"negative","sentiment_score":-0.4280168414115906},{"text":"Then I'll be like, alright. Let me review my goals. But Yeah. I definitely yeah. That's another thing to buying a car. Like, is it in the company name?","start_word":4721,"end_word":4749,"sentiment":"neutral","sentiment_score":-0.06963856518268585},{"text":"I don't wanna buy one.","start_word":4750,"end_word":4754,"sentiment":"negative","sentiment_score":-0.4291428029537201},{"text":"It has to be, like, sort of an, you know, the account, and they said they have some strict rules around putting the car, buying the car in the company anymore. Just buying the car and paying from the company account, I guess. Yeah. So I'd like to do that, but there's not a lot there this financial year anyway Yeah. at this moment. So it will have to be in the next financial year. I definitely want to do that Yeah. So to you get you something. you're gonna Yeah. need a new car? Yes. Because well, my son's eight and eight and so and so much. He might get my old one. Yeah. Yep. I'm whispering because he's home. That's okay. Perfect. So you'll you'll need a new car, so possibility Yeah. Yeah. to buy it. Yeah. Alright. That's definitely So one. yeah. Yep. I guess traveling. But, again, these are these things are falling place, but it's definitely a goal. As they come. It's not Yeah. yeah. I just want to do the work now and then yep. Nope. But then put money aside, I guess, for the just have that structure for Perfect. that. Okay. I can separate all the the account for the different Yes. things, which I'm not doing right now. I'm just holding because this construction build is been sitting on top of my head now for the past eight months, I have not sort of been able to look outside of that. Yeah. Yeah.","start_word":4755,"end_word":5006,"sentiment":"neutral","sentiment_score":-0.07562313228845596},{"text":"So, I mean, it it doesn't make sense that I've got such a lot amount in a in a in a high yield account. Like, it's not doing the money's not working.","start_word":5007,"end_word":5038,"sentiment":"negative","sentiment_score":-0.40654608607292175},{"text":"Yep. Yeah.","start_word":5039,"end_word":5040,"sentiment":"neutral","sentiment_score":-0.06397521495819092},{"text":"But I don't wanna put it somewhere else where it's get been tied, and I can't pull it out easily.","start_word":5041,"end_word":5060,"sentiment":"negative","sentiment_score":-0.51593416929245},{"text":"Yeah. You don't you don't you wanna keep liquidity with your account. You don't wanna lock it away. Yeah. Yes. Exactly. Exactly. Yep. No. That makes sense. Okay. So with I guess I I guess just to sort of summarize all your goals to make sure that Mhmm. I've I've I've got it them clear. So there's the car. There's the travel. They are future planning. They're pretty low priority, and they will as you said, they'll fall in place once the big stuff starts getting fixed and sorted for you. Mhmm.","start_word":5061,"end_word":5152,"sentiment":"neutral","sentiment_score":-0.01286177895963192},{"text":"Your big goals are confirmation of, I guess, where your income's going and the best way to structure it from a tax planning and income flow position, purchase of properties and shares from a growth and wealth generation position as well, and where is the best place for those assets to be purchased, whether it's company trust, personal structure.","start_word":5153,"end_word":5211,"sentiment":"positive","sentiment_score":0.3514942228794098},{"text":"Yeah. And the reason I'm holding off is because I'm trying to you know, whatever deposit now, I I can't touch any of the things because Yeah. of the the build.","start_word":5212,"end_word":5242,"sentiment":"neutral","sentiment_score":-0.2849832773208618},{"text":"Like, if if I got an investment property now, it means some of that deposit or the money savings, which I've put aside for the build will dwindle, will reduce.","start_word":5243,"end_word":5272,"sentiment":"negative","sentiment_score":-0.3421289622783661},{"text":"And I don't want to touch the loan because the repayment once it kicks in, I want somebody to be painting the property so Yep. So, basically, that they can I'll set it. cover that. Yeah. Yeah. Correct. And once that's in place, that means I'll release money in the offset and the money in the savings, and I can do more. Yeah. Yeah. Hi. Do you know what the asset's gonna be worth once it's built? Oh, no. I don't. No. But but it's going to be probably more because it's what? It's one point. Actually, it's probably more now because it it you know, because I don't are you you're on the go cost. Correct? Yeah. It Yes. Yeah. it increases every every week. Yeah. The go Well, cost do you is crazy. I was gonna say, what's your what's your address? Because I can look up an estimation. I see. Just stay now. It's one point. Sorry. It doesn't have a lot of rent on there because it's it's it's only a small place. But hang on. Oh, yeah. It's in domain. It is. Oh, okay. Medium confidence. One point six one point six six three. K. Okay. It's higher than than I thought. What we thought. I think 1.5 was from last year. I didn't I'm bad with figures. Sad to say. No. That's okay. No.","start_word":5273,"end_word":5502,"sentiment":"neutral","sentiment_score":-0.04436527283295341},{"text":"That's fantastic. 1.6 is great.","start_word":5503,"end_word":5507,"sentiment":"positive","sentiment_score":0.5205743312835693},{"text":"And do you know what your like, what I guess, what what building is being built? Is it sort of like a granny flat, or is it a completely Yeah. separate Yeah. dwelling? Granny No. No. flat. It's Okay. it's. No. It's not. It's Yeah. not done. Yep. And It's what a. are we looking to rent it out for? When I asked, they said it can rent for $8.50 comfortably. That's what it is gonna be, like, a up to one study, but they said they can it's big enough for bedroom. Yep. So, No. yeah, it's yeah. It's that's what they've projected or asked, but I haven't asked what the value of the property will be after it's completed because yeah. I don't know if anyone's gonna take it seriously since there's actually a building there. Yep. No. That's okay. Alright. The the the re like, I the the property will have to be valued for it to get an accurate value. So you'd have to go Mhmm. through the bank and get it valued that way because Mhmm. the way you've done it, especially if you've done it on realestate.com, it's not gonna show up as a true valuation because real estate is not gonna know that it has a separate dwelling on it, I hear so on and you. so forth. Yes. Not gonna have all the details. Right now, it has an estimation based on what the details are on the property. So if it's, say, five bedroom, two bathroom, four carport, what it does is it finds other properties in that in that range with those offerings and the rough same, you know, property land size, and it goes, Mhmm. well, other properties in the area have sold for this amount. The medium amount is this. You know? And the more properties in the area that have sold, the higher that Got confidence you. goes up. If there haven't been any properties that have sold in a long time in the area, the confidence Yes. becomes lower. Whereas if there's lots of properties selling in the area, the confidence starts getting higher and higher based It's on the not valuation what it is. estimate. Yeah. That's why So if they you've put done medium? these, Is that Yeah. why they put So medium there's and high there's confidence? yeah. So there's been a few properties that have sold in the area, and they're pretty like, the the app and how it it binds the data, they're pretty confident that you'd Mhmm. be able to get roughly that amount of money. It's not obviously a true figure, but it's rough.","start_word":5508,"end_word":5952,"sentiment":"neutral","sentiment_score":-0.048146477450480625},{"text":"If you've done other work to the property that, you know, realestate.com doesn't know about, the valuation's totally off.","start_word":5953,"end_word":5971,"sentiment":"negative","sentiment_score":-0.4662515521049499},{"text":"I got you. Okay. Yeah. So right now, fine way of valuing the property.","start_word":5972,"end_word":5985,"sentiment":"neutral","sentiment_score":-0.05008857697248459},{"text":"The second that Granny Flat is built, it's not gonna show you the true Okay.","start_word":5986,"end_word":6000,"sentiment":"negative","sentiment_score":-0.34260326623916626},{"text":"value. So who would like, a real estate agent would know, though? Wouldn't Yeah. wouldn't Yeah. they? 100%. Yeah. Yeah. You can just get a real estate agent to come through and have a look. Don't be wrong. Mhmm.","start_word":6001,"end_word":6039,"sentiment":"neutral","sentiment_score":-0.02554072812199593},{"text":"If you do that, they're gonna harass you.","start_word":6040,"end_word":6047,"sentiment":"negative","sentiment_score":-0.3867303133010864},{"text":"But if you use the real estate agent that you are intending on using Who's from gonna a rental harass capacity me to to rent it? You mean? yeah. Or, like, if you come if you get a valuation done, sometimes they harass you wanting to sell it. But if you if you go through the agent the agency that's gonna be the rental Got agency, you. Yes. they'll They be won't able bother to give you me. a valuation. Yes. Yeah. They'll know exactly what you're wanting it for, and they'll be able to just help you out for that. Okay. So yeah.","start_word":6048,"end_word":6151,"sentiment":"neutral","sentiment_score":-0.042776938527822495},{"text":"Perfect. So we're gonna build the Granny Flat.","start_word":6152,"end_word":6159,"sentiment":"positive","sentiment_score":0.4893431067466736},{"text":"Our current investment property is chugging along. It's got rent coming in there as well, and we just wanna sort of, I guess, look after the kids and just let them grow up and do their thing from a personal point Hopefully. of view. Yes. Yes.","start_word":6160,"end_word":6205,"sentiment":"neutral","sentiment_score":0.23048850893974304},{"text":"That's exactly right.","start_word":6206,"end_word":6208,"sentiment":"positive","sentiment_score":0.41156837344169617},{"text":"Leave me alone already. I know. And you've got a 13 year old. Isn't it a blessed age? Oh, no. They know everything. Oh my gosh. You've got do you have a a son and a daughter or two sons? I also have another daughter. So it's That's her you'll boyfriend. you're And then actually, you'll really I have a daughter first. I have a three. I have three. The other one, she's almost pointing out.","start_word":6209,"end_word":6284,"sentiment":"neutral","sentiment_score":0.022164780646562576},{"text":"So oh, beautiful.","start_word":6285,"end_word":6287,"sentiment":"positive","sentiment_score":0.5321739315986633},{"text":"So you you've been through it a few times there. yes. Isn't it fun? Every time, no matter It what. is. They're all they're all different. They all have their different little quirks and Mhmm. and attitude Yeah. that never never changes. They always No.","start_word":6288,"end_word":6332,"sentiment":"neutral","sentiment_score":-0.06909222900867462},{"text":"they always know more than you, and they're always willing to push all the boundaries. Exactly. Exactly. They they absolutely do. They definitely okay. So I think I've got a pretty good basis as to where we need to go moving forward.","start_word":6333,"end_word":6374,"sentiment":"positive","sentiment_score":0.5916570425033569},{"text":"The biggest thing for me is probably just getting a few more data points from yourself. So I am. a state like, a a statement on your super fund, you know, confirmation of your cash flow, stuff like that. But I'll send you an email so that way you don't have to write anything down, and you can just respond straight back to me. So that way, you know, it's coming to myself. You have a direct connection to me. And from there, what I'll do is I'll start putting together research to be able to start articulating where we can head. One of the biggest things I am gonna ask for is the trust deed for your discretionary trust. That's gonna be probably the biggest painful thing for you to pull and send to me. It's just so Mhmm. I can see how it's set up and make sure that anything that I do under the trust works within the trust deed and whether maybe we need to make changes to the trust deed. Hopefully, we don't, but I just wanna make sure that I'm obviously looking at it properly and not just Mhmm. making assumptions. Okay? So Okay. I'll send you an email so that way we can get all of that information through. Now I know that you did speak to Jordan yesterday and said that you did not want me to look at your superannuation or your insurances at all. They Oh, yeah. do they do Yep. form part of your overall assets. Do you want me to have a look and see whether there's anything I can do within those realms, insurance, super wise, to get a better product or cheaper product or better performance, better features with the insurance, anything like that? Potentially, no. Because I just set up a, you know, life insurance there. Yep. But I can give you that because it's yeah. It's just yep. It's just all those, like, just tile. I'm with tile. And there's a life insurance there, a TPD, I think it's called, and, yeah, life insurance. I've got that there. And Okay. I think I have made those are things that I probably need to change days, the beneficiary. I don't Yep. think I have to double check that out. I don't think I've made it the trust yet. I might have just left it. I think they said I think I might have just left it in the kitchen, but I think I wanna move that to a trust. I'm also Yep. looking at I don't know. Do you do things like wheels and things like that too? I'm not a solicitor, but Okay. I, with respect to doing, like, beneficiary nominations and stuff like that, we can definitely make sure that we consider how to best format it. If you're wanting a trust structure, what you'll need to do is you'll need to have your estate take control of everything. That's the only way to make sure that the benefit goes into a trust structure. Otherwise, if you're wanting to, like, try and nominate like, if the beneficiary forms with the superannuation and any insurance policy, Okay. You could nominate a direct person or you can nominate Yes. your estate. If you nominate your estate, your estate can then distribute any of the assets or or income to whichever structure you want it to. So if you want it to transfer over to the trust structure, whether you want it to transfer over to Yeah. I individual can't remember people. now. Yeah. When I did it about a almost a year ago, they said I think it's I don't think I'd had to trust them Yeah. set up, but I think they said if I write I have to go and double check it again. I was just gonna just to make to check what I have there now because I think I've just put in and split it by the percentages to the Yep. beneficiaries. To the kids. I think that's what I've done. Yep. Okay. That's something I have to check. But, yeah, I'm open to for for that to to have a look at that. I just thought I'd mention that I because it it other recently done that. So but, yeah, I I had a health insurance as well, which I I canceled because it was just taking too much of my money, and I'm not sick. Yeah. Yep. Think I found the form I was looking for when you asked about my Expenses. weekly yeah. I found the form I filled for my I have to I have to start favorite bookmark this so that I can find it every Find time. it again. Yeah. Well, what I'll do is I'll get you the email through, Demisha. That way, I can tear it apart and have a look at it. Okay. Not a problem.","start_word":6375,"end_word":7199,"sentiment":"neutral","sentiment_score":0.02204753004014492},{"text":"Perfect.","start_word":7200,"end_word":7200,"sentiment":"positive","sentiment_score":0.5860310792922974},{"text":"Well, I'll I'll send you an email with all the little bits and pieces that I would like from you statement wise. If you need any help getting them, we can help you out, especially with, like, Tel, Brighter Super, stuff like that. We can we can contact them on your behalf if you give us authority to. But, otherwise, if you just wanna send statements through, that's completely okay as well. Mhmm. And then if there's anything that does pop up, I'll flick you an email and organize a time to just touch base. If there is anything that does you know, that I need clarification on or that I just sort of wanna double check with you, then I'll do that. But, otherwise, what I'll do is I'll start getting everything together and start researching your overall position and how we can best structure things for you. Now at the end of the day, if there's no advice that I can give you to put you in a better position, I'm going to tell you exactly that. Mhmm. Okay. Okay? I will say, look.","start_word":7201,"end_word":7386,"sentiment":"neutral","sentiment_score":0.13969339430332184},{"text":"I'm not the best person. I don't think that's gonna be the outcome, but, you know, there's there's nothing I can do.","start_word":7387,"end_word":7408,"sentiment":"negative","sentiment_score":-0.49345970153808594},{"text":"You're sitting really good. Right now, you do or don't have the capacity to do something. Let's K. talk in twelve months. Mhmm. I Mhmm. will I will say that to you point blank if I can't do anything to help you out.","start_word":7409,"end_word":7451,"sentiment":"neutral","sentiment_score":-0.20135561359483145},{"text":"I'm not gonna sit here and, you know, charge you money to do nothing for you. I'm not interested in that.","start_word":7452,"end_word":7472,"sentiment":"negative","sentiment_score":-0.5887982845306396},{"text":"Okay. So I'm gonna be very forthcoming if I start pulling this apart and there's nothing I can do to help you out. I just wanna be open and honest about that. Alright? Yeah. Another thing to our free will be so that investment property was not rented for many months because it had some structural problems, which is now fixed. It's now rented back. So for Okay. this Good. financial year, there's the I probably spent about $60 on there or more with all the repayments, like, you know, the the mortgage and everything. I didn't put it on hold. So this year, this financial year that we're in now, is this the best year to withhold my income in my company name, or should I pay myself everything so that I can get the tax benefit? Yeah. It's definitely sounding like that's a possibility. I will I will pull the figures and have a look, but it Yeah. sounds like based just just from a numbers perspective Yeah. Yeah. Because if I don't pay say say, as you mean, I've only I think I've only just transferred at the most maybe $20. I'll double check from my company account this financial year to myself. And if if I you know, if if that's taken as my income from a tax taxable income, like, say, $20 and I've spent, say, 100,000 on fixing, there's no tax advantage there from a tax perspective, is there, this year? Like, for the property, all all the things I've spent on the property Correct. or the Yeah. amount. It'll depend on what income you've had coming in from the property. Like, if you as you said, you hadn't rented it for quite a Fourteen number of months. months. Fourteen months. Ten okay. Ten ten months. There you go. Okay. Yeah. So ten months No. of Since no income. March. Since March 2025. Okay. And then So I it see got what rented you mean. yeah. Just So and then it got last week. Yep. okay. So March 25 to basically halfway through halfway through April So there's been a of lot 20 of financial '26.","start_word":7473,"end_word":7834,"sentiment":"neutral","sentiment_score":-0.03347812809091247},{"text":"dent on me.","start_word":7835,"end_word":7837,"sentiment":"negative","sentiment_score":-0.3586985766887665},{"text":"So Yes. Look.","start_word":7838,"end_word":7840,"sentiment":"neutral","sentiment_score":-0.06910917162895203},{"text":"Realistically, possibly, this financial year is not gonna be a financial year for you to do anything much.","start_word":7841,"end_word":7858,"sentiment":"negative","sentiment_score":-0.3808097839355469},{"text":"That that could also go from a putting contributions into your super fund. I will run the numbers. Don't do anything, yeah. Yeah. but I will run the numbers and have a look. Because if you, yeah, if you haven't been if you haven't rented out that property Yeah. for Since basically March 2020 well, '25. Twelve months it's on from a financial year perspective, that's it's one, ten months two, worth three. of this financial Yeah. year. Got you. Yeah. Yeah. So ten months is financial year. Correct. Yeah. Yeah. So you've got it's nine and a half months. You got two and a half months left of this financial year that you're Exactly. renting it out. You're you're renting it out at $1,100 a week. Mhmm. You know, you still got costs and stuff like that you've you've incurred. 60,000 Yeah. dollars that you've spent on the property including the interest that you've paid. Exactly. Exactly. You've you've you've made nothing, and then your No. income, your income being the basically, about a $100, by Is the time that you take, yeah. Yep. yeah, Mhmm. by the time you take the $60,000 off your income of a $100, you're left with sort of 40. Yep. It's and don't get me wrong. It's not offset's not dollar for dollar. We, you know, we all know those kinds of things. Yeah. But but, you know, your your income's starting to get a little bit on the lower side.","start_word":7859,"end_word":8106,"sentiment":"neutral","sentiment_score":-0.07827644753119638},{"text":"Any money that you're trying to offload elsewhere is starting to get into the probably less tax effective bracket.","start_word":8107,"end_word":8125,"sentiment":"negative","sentiment_score":-0.4689643681049347},{"text":"Oh, sorry. I should have said this. You know how I told you that I spent 60 on the property. Right? Yeah. So I've I've taken a lot of that money from oh, yeah. So the the some insurance Oh, did pay some money for some tenant damage. Tenant damage cool. the property as well as structural damage. So Oh, lovely. that's why I still have up to 60 in the account even though I've spent 60 because I've used some of that money, Yep. do you know what I mean, from the insurance to Okay. fix So all that. Yeah. how much did you spend ignoring insurance? Or was it 60 overall and then you know how much insurance paid you? So roughly 60 overall. Yep. Insurance paid about 30, half half of it. Okay. Yep. Alright. For them. So you're 30 k Yeah. out of pocket still. Yeah. They're about Okay. Okay. No. That's still good. I think it's more. I'm I'm just giving you ballpark. I'm not actually sat Yeah.","start_word":8126,"end_word":8298,"sentiment":"neutral","sentiment_score":-0.03378497436642647},{"text":"down because it was too depressing for me to start looking every day into the No. money part of it.","start_word":8299,"end_word":8318,"sentiment":"negative","sentiment_score":-0.36735543608665466},{"text":"I'm like, you know what? Yeah. I just wanna get this ten months, so I didn't really go into it. That's the only way I could just not be bogged down in the money Yeah. side of things. So, yeah, so there is insurance my roof insurance got paid, which I've also dipped into. So I'm really not neglect kind of No. thing. So Yep.","start_word":8319,"end_word":8383,"sentiment":"neutral","sentiment_score":-0.16427157819271088},{"text":"I have to pay my roof insurance because those people are now dragging me.","start_word":8384,"end_word":8397,"sentiment":"negative","sentiment_score":-0.35939425230026245},{"text":"They want to fix the roof. Yes. So I have to withdraw money from my income, which I use for the property to fix. So, yeah, you're right there. It's gonna be about yeah. Update. That's why I was saying it's probably not the best year to keep the money in the Yeah. business In the to company. pay myself, pay it out, and then it will be seen as taxable income, which the Correct. when the ATO looks at it, then they can say, oh, okay. Well, And expenditure. especially especially if our like, the the the basically, the the the toss-up is, do we pay company tax at 30% or do we pay marginal tax rate? And that's that's gonna basically be the the the coin flip that we're gonna deal with. Exactly. So I'll have a I'll have a look at it from that perspective and see where we're sitting. We Exactly. have Okay. $60 that we could basically pull. I'll make sure that I've I've run it through and have a look. And then when we pull it, where we're gonna put well, what we're gonna do with the money. Can I ask, do you have a good accountant that you actually sit with and work with? Do you do you yes and no. Yep. Be because I was hasn't I haven't worked in six months. I almost six months in this financial year. I've been thinking about changing my accountants because I've not done my past as a result. So I've spoken to the agent and said, look. I've not done my past because I have not, you know, worked. What? Yep. So when they send me all those letters so do you have an accountant? Do you have accountants with your in your practice or just I wish I had accountants in my practice. No. We have accountants that we refer to, mhmm. and we only use them because they have done such great work for our clients historically. Okay. Other like, I have previously ceased refer like, referring clients to other firms because they, you know, haven't done good work. Alright. Oh, So okay.","start_word":8398,"end_word":8758,"sentiment":"neutral","sentiment_score":-0.06156490860800994},{"text":"I've I use these guys because they have produced fantastic work for my my clients.","start_word":8759,"end_word":8773,"sentiment":"positive","sentiment_score":0.5958083271980286},{"text":"So Mhmm.","start_word":8774,"end_word":8775,"sentiment":"neutral","sentiment_score":0.09089602530002594},{"text":"I am more than happy if you wanna in the email that I send you, I can pop Yep. their details in, and you can have a look Yep. and look at contacting them Yep. from that perspective. Alright. I'm definitely yeah. Have a look at that because I'm I have to get my act together now for the end of this financial year.","start_word":8776,"end_word":8839,"sentiment":"positive","sentiment_score":0.488022655248642},{"text":"Yeah. But then I thought, let me just find out, you know, what I need to do because, obviously, a strategy is good to have a strategy. It's just not the money being paid for how am I trying to maximize my strategy in this kind of shade that I've spent a lot on renovating, you know, an investment property. And I haven't earned as much as I would have liked to. But yep. Yeah. Yeah. And look, we we always have those years where I mean, it sounds like yours was particularly bad because of a bad tenant, but we always have those years where they ebb and flow. So, I mean, fingers crossed, we can put you in a good position tax wise and get you paying as little tax as possible from that perspective. But, Yeah. yeah, let And if if I should do concessional as well, you know, like, it's it's should I should how much me should I put max out my concessional this year or not max it out yeah. And whether we do something next year. to okay. Yes. I'll I'll have a look to see whether it's worth doing anything this year. Based on the income that you pulled in, I'm thinking possibly not. Yeah. And So I'll that run I'm the not figures, on the and edge I'll show financially. you. Yeah. Correct. It So it's that not even yeah. it's not even financially. It's just so marginal tax rates, you when when we pay when we pay tax personally, we pay it at a marginal rate. For the first 18,200, we pay no tax on.","start_word":8840,"end_word":9114,"sentiment":"neutral","sentiment_score":0.032443366944789886},{"text":"So it makes no sense to put, you know if you earn $20 for the year, it makes no sense putting $20,000 into the superannuation fund to make to mean that you've earned nothing because then you pay 15% through the super fund tax So what you mean?","start_word":9115,"end_word":9162,"sentiment":"negative","sentiment_score":-0.4883390665054322},{"text":"where where For this you two wouldn't year. where you wouldn't Yeah. have paid you would have paid basically nothing personally.","start_word":9163,"end_word":9183,"sentiment":"neutral","sentiment_score":-0.22552454471588135},{"text":"So tax effectively, no sense.","start_word":9184,"end_word":9188,"sentiment":"negative","sentiment_score":-0.46585267782211304},{"text":"Yeah. Okay. It's where it's where concessional contributions could come in where instead of putting non concessionally, we could put sorry. Instead of putting concessionally, being that Yeah. that that your super fund would pay tax and you would get a tax offset, you Mhmm. could put it in non concessionally, which means that you pay your marginal tax rate and the money goes into the super fund and no additional tax is paid.","start_word":9189,"end_word":9262,"sentiment":"neutral","sentiment_score":0.04422681778669357},{"text":"We could do it that way because it it's still you know, it it generates a a return.","start_word":9263,"end_word":9280,"sentiment":"positive","sentiment_score":0.34185531735420227},{"text":"It's, you know, investing. It's it's doing all the things that we want it to do. Mhmm. But we just need to look at where the numbers really sit overall. I'm thinking a little bit more towards the probably no concessional contributions, but Mhmm. there may be some room where we could put a little bit in. It'll just depend on where the numbers all kind of fall. Okay. Alright. Yeah.","start_word":9281,"end_word":9351,"sentiment":"neutral","sentiment_score":-0.011251306161284448},{"text":"Perfect.","start_word":9352,"end_word":9352,"sentiment":"positive","sentiment_score":0.37409183382987976},{"text":"Well, I'll I'll start getting cracking with this. You'll have an email from me tomorrow just with a request for the the additional information that I've sort of sprinkled throughout this conversation. And and I'll start start getting cracking with the research. Alright? Okay. So just to confirm, this is Oakview Financial? Correct. Okay. Because I don't Jordan, you said rang me yesterday. Oh, maybe I didn't write down. Because I write down everything. I must have scribbled down on another page. Oh, good. No. Yeah. I know I was asked about my super like, no. I already So have something set up. Some I think I had that conversation. Oh, yeah. yeah. There we Yeah. go. That Yesterday. was with Jordan. So you originally you've spoken with two of my team. You spoke you spoke with Maddie or Madison Yes. originally, and then and then you spoke with Jordan yesterday. What of Caden? Is Caden there as well? Yes. Yes. Yes. Yes. You did speak with Kaden originally, didn't you? Yes. You spoke with Yes. Kaden, and he scheduled you in with Ah, Madison, and then you spoke with Jordan, and now you're speaking with me. yes. I don't recall Jordan. Maybe that's why I'm sounding confused, but that's fine. I recall Caden and I recall Martin on the seventeenth it was. Yeah. But Yes. I spoke Yeah. with her. Yeah. Spoke with yeah. Maddie Martin. Maddie on the seventeenth. And then Yes. well, Madison, but Maddie. Yep. And then, Yeah. yeah, Jordan Okay. Jordan yesterday, it's sort of about midday. Yes. Yeah. Ah, okay. That's why. Excellent.","start_word":9353,"end_word":9621,"sentiment":"neutral","sentiment_score":-0.0021040721564487895},{"text":"Just to keep me confused even more.","start_word":9622,"end_word":9628,"sentiment":"negative","sentiment_score":-0.4322659969329834},{"text":"I know. No. So yeah. So what what I'll do is I'll start getting everything together, and we can go from there, touch base. Okay. Thank you so much for No. your call.","start_word":9629,"end_word":9661,"sentiment":"neutral","sentiment_score":0.024578161537647247},{"text":"My pleasure, Pearl.","start_word":9662,"end_word":9664,"sentiment":"positive","sentiment_score":0.38448449969291687},{"text":"Absolutely. Alrighty. Have We'll speak soon. some. Alright. Bye. Bye.","start_word":9665,"end_word":9674,"sentiment":"neutral","sentiment_score":0.11703707277774812}],"average":{"sentiment":"neutral","sentiment_score":0.007955481327825108}}}}