{"metadata":{"transaction_key":"deprecated","request_id":"01a114e6-708e-7553-8fa4-616234802029","sha256":"081028dd614013e5f85dcf8642b6a830620e1c50e60a3ddc577838ce216d09da","created":"2026-10-07T05:46:51.598Z","duration":1451.808,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5562,"output_tokens":102},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6248,"output_tokens":6261},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6248,"output_tokens":420}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Matt. You're through to Tommy, senior adviser, mate. Thank you so much for calling back in. That's no worries at all. It's always just that last ring or two that misses it, but we've got each other now. Mate, I'm just basically gonna go through a bit of an annual review with you just kind of update what's going on in the world and if we need to change anything with the super there, update a few details as well. I've got a bit of an email pack to send out through to you. I'm just wondering if you'll be able to, like, look onto the pack with me today, or should I just give you a bit of a walk through? Cool. Is there anything in particular that you want me to focus on for this review? Anything that's happening in your world? Yep. Yeah. Absolutely. And just quickly as well, so with the the email address and everything, we still have everything under WAM still. Is that the the business, or is that the old? Yep. Yep. Perfect. So I can see a few details have been updated. We've got Luscombe Drive as well. That's all in there. The... Just in terms of a couple of things with the employment side of things, I'm seeing an income of about 170,000 there. Was that the old income or what you're currently sort of working on? Old income. Okay. Do you have a bit of an idea of what you're gonna be looking like the next twelve months? Yeah. Yeah. Yeah. And it's pretty common. Like, to be honest, a lot of our clients that go self employed usually spend at least the first one to three years just getting a handle on, you know, the taxes, the the activity statements, GST, all that kind of thing. And then once it kind of settles down, then wages start to come into play and contributions a little bit later on as well. Now if it ever comes to the point where you're looking to do any contributions, there's kind of two ways to do it. Once you've got the wages going, you'd generally just pay employer contributions as if you're your own, you know, salaried employee. In between now and then, anytime we need to do a contribution, it's pretty common for self employed like tradies to do a contribution at the end of financial year where they go, okay. All this cash is built up. I'm looking at this much in taxes. I might throw $510 in super. And then what we basically do is, like, a BPAY or EFT and a bit of a form called a notice of intent to claim to claim it as a tax deduction. So we'll keep an eye on how things change over the next few years with you. In the interim, any new plans or changes that I do, I'm just gonna base projections off as if there's no contributions for the time being. That sound alright? Perfect. I'm pretty much just gonna put a flag on the income kind of things until we can get a handle on that too. You did mention that you're you're kind of living off savings. I'm just wondering if I could just note down a rough figure for your assets for the savings. More... What sort of lump sum savings you're kind of drawing down on to to sort of survive on at the moment? Yep. Oh, yeah. Yep. Leaving and such. Yeah. Yeah. I'm just taking a few notes down for that as well. So just in terms of, like, assets and everything, the the property that we had noted down, so you're using that savings to also pay, like, mortgage repayments as well? Yep. And that's that's 3 Lost Home Drive. Correct? K. So if I do a quick little check on that one online, they're saying it's probably worth about 1.6 at the moment. Does that sound correct? Or I'll put in $16.50 there. And can I just quickly take down how much you've got owing approximately just to to update that? Yep. He's done. Mill flat. And outside of that in the Kia Sorento, any other assets or liabilities floating around? Perfect. So I've got the savings, the home. And in terms of the the business side of things, so is that essentially doing the, like, steel supply? You're the director of the company, obviously. Do you do anything on... Do you... In terms of the factory floor, do you do any on the tools, or is it more just operating machinery? I know most of it's in office. Yeah. Yep. Few surveys as well. I'm just thinking for... But just before I jump into the super side of things, the insurances that you've got, I don't know if you remember that Neos policy that was put in place. What I'm sort of thinking for that one is the income protection. So the way that works is because it's an indemnity policy, when you go to claim on insurance, you know, you're at work for six months, that kind of thing, They're going to essentially go, you know, hand in your twelve month income, which at this point might be a combination of the previous job plus what's going on inside the business for the p and l's profit and loss statements. The questions that they would also ask, for example, like, if you went on claim is would the income continue to you if you were injured or ill? Like, for example, let's say the four guys that work for you continue to generate all the income, and you could just draw down income and you'd be fine indefinitely. There's no lost income there, but it doesn't sound like that's the case for you. You're at that start up point where if you're not working, income's not coming in. Yep. So what you've essentially got is income protection that's paid out until June of next year, already kind of paid for. There may be a need to kind of alter that at some point because, obviously, we don't want you paying for something you can't claim on. And I'm just thinking figures wise. So if I go $963.02 is what you're insured for per month, and that's a 70% policy. So I'm basically just gonna do a quick little work back just to see what it's looking like. So it's protecting an income of 165,000, slowly depleting down. Let... Let's say you never drew anything from the business for twelve months. That equivalent would go down from $1.65 and slowly whittle down over a twelve month period. So what my question is, do we do any alterations to the policy now, or do we kind of touch base around the end of financial year, see how the business is going, and see if we need to do any trimming down alterations at that point? Yep. So it'll be an income coming there. Yeah. Jeez. And so what you're telling me is it's pretty important to protect the income. As soon as it's sort of rolling and built, you need to make sure you don't lose it too. K. Yeah. Yeah. Yeah. Absolutely. What I'm sort of thinking is that we basically just need to... You'll have a pretty good idea by, like, May, June as well. So what I'm basically gonna pencil in is a bit of a catch up around early May just to sort of see how the the cash flow is going. If you have any sort of profit and loss statements generated at that time, I can use them for the financial planning for the personal side of things. And that's with regards to the super, the insurances, anything for budgeting, debt management, We can use it for everything and almost kinda link in together as a bit of a triangle. One thing I will let you know as well, 1,700,000 worth of life insurance and disability insurance to clear the mortgage, set the family up. So, obviously, in the interim, while there's no contributions going into super, the fees, the premiums are gonna have a bit of an impact. Normally speaking, your portfolio being that sort of high growth, it'd kind of be able to handle itself for a couple of years. Twenty four months, three years max, where, you know, if you get a 10% return, you're sitting at 312,000. 30,000 worth of return coming in is more gonna offset any kind of fees and premiums and still grow. So we pretty much gotta keep it as high growth as possible for as long as possible. And then once cash flow rolls, we can do some updated retirement projections and see if we need to alter it from there, if that sounds alright. K. So because, ultimately, like, you know how we deal with the retirement side of things, we're aiming for that kind of early retirement, age 60. It's like you gotta build the business up, pay off the mortgage, but then also be able to sit at 60, hang up the boots, and and spend time with family if that rings a bell as well. So the way I kinda look at it, we've got... We still got a good twenty years to get the growth out of it. Usually, three years to build up the business side of things, seventeen years to kind of accelerate the growth of the super, so ten years of of huge growth, seven years of then reducing your risk down in the lead up to age 60. So your life's kind of split in between what happens the next three to five years, the decade after that to make all the money, and then that last little seven years where you start to slow things down and transition off of it. So I'm basically gonna update the the goals in your your system with us to sort of say, build up the business, get a handle on the cash flow and the mortgage. In a couple of years' time, restart contributions to super, build those assets up, and then pay off that million dollars worth of mortgage. Is there anything else that you sort of can mix into the plans there that you want to factor in, or is it really just business, mortgage, retirement? I can imagine. Yeah. Is it feeling a little bit more stable now? Yeah. Yeah. Absolutely. So our kind of role alongside you is not just the super guys. Once things settle down, we're basically gonna touch back around how to do the cash flow side of things, the debt management. Anything you need for the accounting side of things, let us know, and we can kind of work out some updated plans next year, the year after, and really just accelerate things. Because once... Like, we've got a lot of guys that, you know, built up NDIS businesses, trades businesses, and the like. And once the cash flow starts rolling, it's just about let's direct that to to knock those goals out in a smart way as well. K. So one... A couple of things I'll quickly check with you before I let you go is just in terms of the super. What I'm kind of seeing at the moment is I believe you've been on board with us for a couple of years now or at least in the hub twenty four since 2024. So it's been two year mark. Obviously, contributions have just stopped. That's fair enough. Basically, in terms of the return side of things, that high growth profile I mentioned before, 90% shares property in gold, 10% on the safer side of things. We need to be hitting around about 10% returns to keep the super growing, offset fees, and make sure you're still on track, if that makes sense. You're kind of sitting out over the two years. Let's have a look here. 29% returns over the twenty four months. So you're still clearing well over 14% per annum over the two years averaged out, and that's the stock market dropping one, two, three, four times in two years. Last twelve months is a little bit more flat because the world exploded. So I'm just having a look here. You're still up in the positive, which is good. Bear in mind, some years when there's no contributions and the stock market plummets, that 312,000 you've got, that might go down to $2.70 and then be 400,000 eighteen months later. So I'm just kind of warning you of the roller coaster ride because you've built up a pretty big balance now. Any percentage move in the stock market, property market, gold market, that's gonna reflect a pretty big balance on your super account. K? So what I'm gonna do, if this is okay with you, is I'm gonna keep an eye on the portfolio between now and our next catch up. And then basically, there's eight options in there. Most of them have done pretty much everything that we want them to do. There's one there that's a bit of a concern, a Bennelong option, which has kind of been dragging its feet a little bit. What I would like to do is, let's say, around May, we catch back up again. If that hasn't picked its feet, I'm gonna do a bit of a tune up of the portfolio and switch a couple of options around. At the same time, we talk about the insurances, see if we need to tweak it, and at the same time, talk about anything you need for the tax season as well. Is that alright? Cool. I'm not gonna update income at the moment. Just leave that flat as is. Estate planning wise, we still have the beneficiary listed as Leanne. So I'm assuming no changes for that for the super or the life insurance. Probably not the top of your priority list while you're trying to build a business, but putting in place a will and a power of attorney as you start growing the business assets, personal assets, investment assets, there will be a deeper conversation around estate planning, business succession, how does that pass on, how does the assets pass on. So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established. Cool. Outside of that, I've got a bit of a pack to send through to you for the review just with updated figures, certificate of currency for your insurance. So if anything does happen health wise, you know what you've got, we can help you with the claim, service guides with us, performance reports, all that kind of thing. Am I okay to send it through to the web still email that we've now got on file? Perfect. There is a fee reduction with us as well. So normally, it's 1.65%, but we've added in tiered structure this year in the new service guide. So anyone above 200,000, you're sitting at $3.12. The percentage actually drops to 1.37. And then when you're above 0.5 a mil, it goes down to 1.1%. And then from 0.5 a mil onwards, there's another drop after that as well. Cool. I do need to ask you if you're still comfortable for us to kinda look after things for the time being. Awesome. Alright. So I'll leave that pack with you. Any questions, give us a buzz. Do you want me to pencil in any kind of catch ups before the end of the year or early in the New Year or just kind of wait until everything settles down from the cash flow and accounting side of things? Realistically, if anything explodes Christmas time or in the New Year, we'll probably have to get in touch with you if the world kinda melts down. Outside of that, we basically just need to wait for paperwork and and paper trail to sort itself out, and then I can make some changes to the different products and strategies around end of financial year. Cool. I'm just gonna double check if there's anything else there, but any questions for me at this point? Cool. Well, you just keep looking after Leanne, Miles, Austin, and Winnie, and you've got a business to build and a mortgage to pay, so I won't be a burden in your side, mate. I'll just make sure that when things change, we've got some ideas and things to help you. No worries at all, mate. Have a fantastic week, and I shall talk to you again soon. Bye. 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afternoon, Matt. You're through to Tommy, senior adviser, mate. Thank you so much for calling back in. That's no worries at all. It's always just that last ring or two that misses it, but we've got each other now.\n\nMate, I'm just basically gonna go through a bit of an annual review with you just kind of update what's going on in the world and if we need to change anything with the super there, update a few details as well. I've got a bit of an email pack to send out through to you. I'm just wondering if you'll be able to, like, look onto the pack with me today, or should I just give you a bit of a walk through? Cool. Is there anything in particular that you want me to focus on for this review?\n\nAnything that's happening in your world? Yep. Yeah. Absolutely. And just quickly as well, so with the the email address and everything, we still have everything under WAM still.\n\nIs that the the business, or is that the old? Yep. Yep. Perfect. So I can see a few details have been updated.\n\nWe've got Luscombe Drive as well. That's all in there. The... Just in terms of a couple of things with the employment side of things, I'm seeing an income of about 170,000 there. Was that the old income or what you're currently sort of working on?\n\nOld income. Okay. Do you have a bit of an idea of what you're gonna be looking like the next twelve months? Yeah. Yeah.\n\nYeah. And it's pretty common. Like, to be honest, a lot of our clients that go self employed usually spend at least the first one to three years just getting a handle on, you know, the taxes, the the activity statements, GST, all that kind of thing. And then once it kind of settles down, then wages start to come into play and contributions a little bit later on as well. Now if it ever comes to the point where you're looking to do any contributions, there's kind of two ways to do it.\n\nOnce you've got the wages going, you'd generally just pay employer contributions as if you're your own, you know, salaried employee. In between now and then, anytime we need to do a contribution, it's pretty common for self employed like tradies to do a contribution at the end of financial year where they go, okay. All this cash is built up. I'm looking at this much in taxes. I might throw $510 in super.\n\nAnd then what we basically do is, like, a BPAY or EFT and a bit of a form called a notice of intent to claim to claim it as a tax deduction. So we'll keep an eye on how things change over the next few years with you. In the interim, any new plans or changes that I do, I'm just gonna base projections off as if there's no contributions for the time being. That sound alright? Perfect.\n\nI'm pretty much just gonna put a flag on the income kind of things until we can get a handle on that too. You did mention that you're you're kind of living off savings. I'm just wondering if I could just note down a rough figure for your assets for the savings. More... What sort of lump sum savings you're kind of drawing down on to to sort of survive on at the moment?\n\nYep. Oh, yeah. Yep. Leaving and such. Yeah.\n\nYeah. I'm just taking a few notes down for that as well. So just in terms of, like, assets and everything, the the property that we had noted down, so you're using that savings to also pay, like, mortgage repayments as well? Yep. And that's that's 3 Lost Home Drive.\n\nCorrect? K. So if I do a quick little check on that one online, they're saying it's probably worth about 1.6 at the moment. Does that sound correct? Or I'll put in $16.50 there.\n\nAnd can I just quickly take down how much you've got owing approximately just to to update that? Yep. He's done. Mill flat. And outside of that in the Kia Sorento, any other assets or liabilities floating around?\n\nPerfect. So I've got the savings, the home. And in terms of the the business side of things, so is that essentially doing the, like, steel supply? You're the director of the company, obviously. Do you do anything on...\n\nDo you... In terms of the factory floor, do you do any on the tools, or is it more just operating machinery? I know most of it's in office. Yeah. Yep.\n\nFew surveys as well. I'm just thinking for... But just before I jump into the super side of things, the insurances that you've got, I don't know if you remember that Neos policy that was put in place. What I'm sort of thinking for that one is the income protection. So the way that works is because it's an indemnity policy, when you go to claim on insurance, you know, you're at work for six months, that kind of thing, They're going to essentially go, you know, hand in your twelve month income, which at this point might be a combination of the previous job plus what's going on inside the business for the p and l's profit and loss statements.\n\nThe questions that they would also ask, for example, like, if you went on claim is would the income continue to you if you were injured or ill? Like, for example, let's say the four guys that work for you continue to generate all the income, and you could just draw down income and you'd be fine indefinitely. There's no lost income there, but it doesn't sound like that's the case for you. You're at that start up point where if you're not working, income's not coming in. Yep.\n\nSo what you've essentially got is income protection that's paid out until June of next year, already kind of paid for. There may be a need to kind of alter that at some point because, obviously, we don't want you paying for something you can't claim on. And I'm just thinking figures wise. So if I go $963.02 is what you're insured for per month, and that's a 70% policy. So I'm basically just gonna do a quick little work back just to see what it's looking like.\n\nSo it's protecting an income of 165,000, slowly depleting down. Let... Let's say you never drew anything from the business for twelve months. That equivalent would go down from $1.65 and slowly whittle down over a twelve month period. So what my question is, do we do any alterations to the policy now, or do we kind of touch base around the end of financial year, see how the business is going, and see if we need to do any trimming down alterations at that point?\n\nYep. So it'll be an income coming there. Yeah. Jeez. And so what you're telling me is it's pretty important to protect the income.\n\nAs soon as it's sort of rolling and built, you need to make sure you don't lose it too. K. Yeah. Yeah. Yeah.\n\nAbsolutely. What I'm sort of thinking is that we basically just need to... You'll have a pretty good idea by, like, May, June as well. So what I'm basically gonna pencil in is a bit of a catch up around early May just to sort of see how the the cash flow is going. If you have any sort of profit and loss statements generated at that time, I can use them for the financial planning for the personal side of things.\n\nAnd that's with regards to the super, the insurances, anything for budgeting, debt management, We can use it for everything and almost kinda link in together as a bit of a triangle. One thing I will let you know as well, 1,700,000 worth of life insurance and disability insurance to clear the mortgage, set the family up. So, obviously, in the interim, while there's no contributions going into super, the fees, the premiums are gonna have a bit of an impact. Normally speaking, your portfolio being that sort of high growth, it'd kind of be able to handle itself for a couple of years. Twenty four months, three years max, where, you know, if you get a 10% return, you're sitting at 312,000.\n\n30,000 worth of return coming in is more gonna offset any kind of fees and premiums and still grow. So we pretty much gotta keep it as high growth as possible for as long as possible. And then once cash flow rolls, we can do some updated retirement projections and see if we need to alter it from there, if that sounds alright. K. So because, ultimately, like, you know how we deal with the retirement side of things, we're aiming for that kind of early retirement, age 60.\n\nIt's like you gotta build the business up, pay off the mortgage, but then also be able to sit at 60, hang up the boots, and and spend time with family if that rings a bell as well. So the way I kinda look at it, we've got... We still got a good twenty years to get the growth out of it. Usually, three years to build up the business side of things, seventeen years to kind of accelerate the growth of the super, so ten years of of huge growth, seven years of then reducing your risk down in the lead up to age 60. So your life's kind of split in between what happens the next three to five years, the decade after that to make all the money, and then that last little seven years where you start to slow things down and transition off of it.\n\nSo I'm basically gonna update the the goals in your your system with us to sort of say, build up the business, get a handle on the cash flow and the mortgage. In a couple of years' time, restart contributions to super, build those assets up, and then pay off that million dollars worth of mortgage. Is there anything else that you sort of can mix into the plans there that you want to factor in, or is it really just business, mortgage, retirement? I can imagine. Yeah.\n\nIs it feeling a little bit more stable now? Yeah. Yeah. Absolutely. So our kind of role alongside you is not just the super guys.\n\nOnce things settle down, we're basically gonna touch back around how to do the cash flow side of things, the debt management. Anything you need for the accounting side of things, let us know, and we can kind of work out some updated plans next year, the year after, and really just accelerate things. Because once... Like, we've got a lot of guys that, you know, built up NDIS businesses, trades businesses, and the like. And once the cash flow starts rolling, it's just about let's direct that to to knock those goals out in a smart way as well.\n\nK. So one... A couple of things I'll quickly check with you before I let you go is just in terms of the super. What I'm kind of seeing at the moment is I believe you've been on board with us for a couple of years now or at least in the hub twenty four since 2024. So it's been two year mark.\n\nObviously, contributions have just stopped. That's fair enough. Basically, in terms of the return side of things, that high growth profile I mentioned before, 90% shares property in gold, 10% on the safer side of things. We need to be hitting around about 10% returns to keep the super growing, offset fees, and make sure you're still on track, if that makes sense. You're kind of sitting out over the two years.\n\nLet's have a look here. 29% returns over the twenty four months. So you're still clearing well over 14% per annum over the two years averaged out, and that's the stock market dropping one, two, three, four times in two years. Last twelve months is a little bit more flat because the world exploded. So I'm just having a look here.\n\nYou're still up in the positive, which is good. Bear in mind, some years when there's no contributions and the stock market plummets, that 312,000 you've got, that might go down to $2.70 and then be 400,000 eighteen months later. So I'm just kind of warning you of the roller coaster ride because you've built up a pretty big balance now. Any percentage move in the stock market, property market, gold market, that's gonna reflect a pretty big balance on your super account. K?\n\nSo what I'm gonna do, if this is okay with you, is I'm gonna keep an eye on the portfolio between now and our next catch up. And then basically, there's eight options in there. Most of them have done pretty much everything that we want them to do. There's one there that's a bit of a concern, a Bennelong option, which has kind of been dragging its feet a little bit. What I would like to do is, let's say, around May, we catch back up again.\n\nIf that hasn't picked its feet, I'm gonna do a bit of a tune up of the portfolio and switch a couple of options around. At the same time, we talk about the insurances, see if we need to tweak it, and at the same time, talk about anything you need for the tax season as well. Is that alright? Cool. I'm not gonna update income at the moment.\n\nJust leave that flat as is. Estate planning wise, we still have the beneficiary listed as Leanne. So I'm assuming no changes for that for the super or the life insurance. Probably not the top of your priority list while you're trying to build a business, but putting in place a will and a power of attorney as you start growing the business assets, personal assets, investment assets, there will be a deeper conversation around estate planning, business succession, how does that pass on, how does the assets pass on. So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established.\n\nCool. Outside of that, I've got a bit of a pack to send through to you for the review just with updated figures, certificate of currency for your insurance. So if anything does happen health wise, you know what you've got, we can help you with the claim, service guides with us, performance reports, all that kind of thing. Am I okay to send it through to the web still email that we've now got on file? Perfect.\n\nThere is a fee reduction with us as well. So normally, it's 1.65%, but we've added in tiered structure this year in the new service guide. So anyone above 200,000, you're sitting at $3.12. The percentage actually drops to 1.37. And then when you're above 0.5 a mil, it goes down to 1.1%.\n\nAnd then from 0.5 a mil onwards, there's another drop after that as well. Cool. I do need to ask you if you're still comfortable for us to kinda look after things for the time being. Awesome. Alright.\n\nSo I'll leave that pack with you. Any questions, give us a buzz. Do you want me to pencil in any kind of catch ups before the end of the year or early in the New Year or just kind of wait until everything settles down from the cash flow and accounting side of things? Realistically, if anything explodes Christmas time or in the New Year, we'll probably have to get in touch with you if the world kinda melts down. Outside of that, we basically just need to wait for paperwork and and paper trail to sort itself out, and then I can make some changes to the different products and strategies around end of financial year.\n\nCool. I'm just gonna double check if there's anything else there, but any questions for me at this point? Cool. Well, you just keep looking after Leanne, Miles, Austin, and Winnie, and you've got a business to build and a mortgage to pay, so I won't be a burden in your side, mate. I'll just make sure that when things change, we've got some ideas and things to help you.\n\nNo worries at all, mate. Have a fantastic week, and I shall talk to you again soon. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Matt.","start":2.08,"end":3.04,"sentiment":"positive","sentiment_score":0.40736593802769977},{"text":"You're through to Tommy, senior adviser, mate.","start":3.04,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.3235773316451481},{"text":"Thank you so much for calling back in.","start":4.7999997,"end":6.5,"sentiment":"positive","sentiment_score":0.7138521447777748},{"text":"That's no worries at all.","start":16.335,"end":17.295,"sentiment":"neutral","sentiment_score":0.19401113390922547},{"text":"It's always just that last ring or two that misses it, but we've got each other now.","start":17.295,"end":22.035,"sentiment":"neutral","sentiment_score":0.017053271041196937}],"sentiment":"neutral","sentiment_score":0.26144793927669524,"num_words":40,"start":2.08,"end":22.035},{"sentences":[{"text":"Mate, I'm just basically gonna go through a bit of an annual review with you just kind of update what's going on in the world and if we need to change anything with the super there, update a few details as well.","start":22.735,"end":32.93,"sentiment":"neutral","sentiment_score":0.12163554114245233},{"text":"I've got a bit of an email pack to send out through to you.","start":33.15,"end":36.51,"sentiment":"neutral","sentiment_score":0.1506480084998267},{"text":"I'm just wondering if you'll be able to, like, look onto the pack with me today, or should I just give you a bit of a walk through?","start":36.51,"end":42.204998,"sentiment":"neutral","sentiment_score":0.10249707661569118},{"text":"Cool.","start":46.905,"end":47.405,"sentiment":"neutral","sentiment_score":0.19986197352409363},{"text":"Is there anything in particular that you want me to focus on for this review?","start":47.864998,"end":51.385,"sentiment":"neutral","sentiment_score":0.09970523715019226}],"sentiment":"neutral","sentiment_score":0.11783123522996902,"num_words":100,"start":22.735,"end":51.385},{"sentences":[{"text":"Anything that's happening in your world?","start":51.385,"end":52.86,"sentiment":"neutral","sentiment_score":0.012615840804452697},{"text":"Yep.","start":74.875,"end":75.375,"sentiment":"neutral","sentiment_score":-0.15231136977672577},{"text":"Yeah.","start":83.13,"end":83.63,"sentiment":"neutral","sentiment_score":-0.0539659671485424},{"text":"Absolutely.","start":96.104996,"end":96.604996,"sentiment":"neutral","sentiment_score":0.12991172075271606},{"text":"And just quickly as well, so with the the email address and everything, we still have everything under WAM still.","start":96.905,"end":102.585,"sentiment":"neutral","sentiment_score":0.05339241065084934}],"sentiment":"neutral","sentiment_score":0.036799229023143136,"num_words":29,"start":51.385,"end":102.585},{"sentences":[{"text":"Is that the the business, or is that the old?","start":102.585,"end":104.61,"sentiment":"neutral","sentiment_score":-0.08182696346193552},{"text":"Yep.","start":107.81,"end":108.31,"sentiment":"neutral","sentiment_score":0.030878227204084396},{"text":"Yep.","start":111.25,"end":111.75,"sentiment":"neutral","sentiment_score":0.022004634141921997},{"text":"Perfect.","start":119.755005,"end":120.075005,"sentiment":"positive","sentiment_score":0.6405669450759888},{"text":"So I can see a few details have been updated.","start":120.075005,"end":122.415,"sentiment":"positive","sentiment_score":0.3804024547338486}],"sentiment":"neutral","sentiment_score":0.1599654225713533,"num_words":23,"start":102.585,"end":122.415},{"sentences":[{"text":"We've got Luscombe Drive as well.","start":122.475,"end":124.975,"sentiment":"neutral","sentiment_score":0.21004766474167505},{"text":"That's all in there.","start":126.395004,"end":127.695,"sentiment":"neutral","sentiment_score":0.21932528167963028},{"text":"The...","start":128.075,"end":128.55501,"sentiment":"neutral","sentiment_score":0.028973836451768875},{"text":"Just in terms of a couple of things with the employment side of things, I'm seeing an income of about 170,000 there.","start":128.55501,"end":135.18999,"sentiment":"neutral","sentiment_score":0.017480436077510767},{"text":"Was that the old income or what you're currently sort of working on?","start":135.18999,"end":139.20999,"sentiment":"neutral","sentiment_score":-0.01795574761210726}],"sentiment":"neutral","sentiment_score":0.05038490926887354,"num_words":46,"start":122.475,"end":139.20999},{"sentences":[{"text":"Old income.","start":139.26999,"end":139.98999,"sentiment":"neutral","sentiment_score":-0.01664236467331648},{"text":"Okay.","start":139.98999,"end":140.48999,"sentiment":"neutral","sentiment_score":0.027973391115665436},{"text":"Do you have a bit of an idea of what you're gonna be looking like the next twelve months?","start":142.06999,"end":146.165,"sentiment":"neutral","sentiment_score":0.008858601513661836},{"text":"Yeah.","start":156.625,"end":157.125,"sentiment":"neutral","sentiment_score":-0.022242695093154907},{"text":"Yeah.","start":194.10501,"end":194.265,"sentiment":"neutral","sentiment_score":-0.01639040745794773}],"sentiment":"neutral","sentiment_score":0.0051820411657293635,"num_words":24,"start":139.26999,"end":194.265},{"sentences":[{"text":"Yeah.","start":194.265,"end":194.585,"sentiment":"neutral","sentiment_score":-0.005487104877829552},{"text":"And it's pretty common.","start":194.585,"end":195.545,"sentiment":"neutral","sentiment_score":-0.023209025152027607},{"text":"Like, to be honest, a lot of our clients that go self employed usually spend at least the first one to three years just getting a handle on, you know, the taxes, the the activity statements, GST, all that kind of thing.","start":195.545,"end":207.06,"sentiment":"neutral","sentiment_score":-0.020014778888296513},{"text":"And then once it kind of settles down, then wages start to come into play and contributions a little bit later on as well.","start":207.22,"end":214.04,"sentiment":"neutral","sentiment_score":0.009462106662491957},{"text":"Now if it ever comes to the point where you're looking to do any contributions, there's kind of two ways to do it.","start":216.5,"end":222.495,"sentiment":"neutral","sentiment_score":0.05316363117131202}],"sentiment":"neutral","sentiment_score":0.00543521444729351,"num_words":94,"start":194.265,"end":222.495},{"sentences":[{"text":"Once you've got the wages going, you'd generally just pay employer contributions as if you're your own, you know, salaried employee.","start":222.735,"end":230.595,"sentiment":"neutral","sentiment_score":0.030591282638765517},{"text":"In between now and then, anytime we need to do a contribution, it's pretty common for self employed like tradies to do a contribution at the end of financial year where they go, okay.","start":231.375,"end":241.45,"sentiment":"neutral","sentiment_score":0.0740333384669879},{"text":"All this cash is built up.","start":241.45,"end":242.73,"sentiment":"neutral","sentiment_score":0.06823200856645902},{"text":"I'm looking at this much in taxes.","start":242.73,"end":244.43,"sentiment":"neutral","sentiment_score":0.027716522770268575},{"text":"I might throw $510 in super.","start":244.56999,"end":246.83,"sentiment":"neutral","sentiment_score":0.10449451828996341}],"sentiment":"neutral","sentiment_score":0.05932331437597404,"num_words":74,"start":222.735,"end":246.83},{"sentences":[{"text":"And then what we basically do is, like, a BPAY or EFT and a bit of a form called a notice of intent to claim to claim it as a tax deduction.","start":246.97,"end":256.20502,"sentiment":"neutral","sentiment_score":0.16199893201701343},{"text":"So we'll keep an eye on how things change over the next few years with you.","start":258.345,"end":262.125,"sentiment":"neutral","sentiment_score":0.16112556401640177},{"text":"In the interim, any new plans or changes that I do, I'm just gonna base projections off as if there's no contributions for the time being.","start":262.265,"end":271.03,"sentiment":"neutral","sentiment_score":0.02926351438061549},{"text":"That sound alright?","start":272.05,"end":273.03,"sentiment":"neutral","sentiment_score":0.30957333246866864},{"text":"Perfect.","start":275.01,"end":275.51,"sentiment":"positive","sentiment_score":0.7000563144683838}],"sentiment":"neutral","sentiment_score":0.13014875044329807,"num_words":78,"start":246.97,"end":275.51},{"sentences":[{"text":"I'm pretty much just gonna put a flag on the income kind of things until we can get a handle on that too.","start":276.13,"end":281.025,"sentiment":"neutral","sentiment_score":0.123674009481202},{"text":"You did mention that you're you're kind of living off savings.","start":281.505,"end":283.985,"sentiment":"neutral","sentiment_score":0.044447333297946236},{"text":"I'm just wondering if I could just note down a rough figure for your assets for the savings.","start":283.985,"end":288.245,"sentiment":"neutral","sentiment_score":0.04886210440761513},{"text":"More...","start":295.26498,"end":295.76498,"sentiment":"neutral","sentiment_score":-0.04718341678380966},{"text":"What sort of lump sum savings you're kind of drawing down on to to sort of survive on at the moment?","start":295.82498,"end":311.74,"sentiment":"neutral","sentiment_score":-0.07493335398889724}],"sentiment":"neutral","sentiment_score":0.03502914747474967,"num_words":74,"start":276.13,"end":311.74},{"sentences":[{"text":"Yep.","start":311.8,"end":312.225,"sentiment":"neutral","sentiment_score":-0.006218611262738705},{"text":"Oh, yeah.","start":316.225,"end":316.70502,"sentiment":"neutral","sentiment_score":0.008005802519619465},{"text":"Yep.","start":316.70502,"end":317.20502,"sentiment":"neutral","sentiment_score":0.00931271445006132},{"text":"Leaving and such.","start":317.585,"end":318.725,"sentiment":"neutral","sentiment_score":-0.15088005860646567},{"text":"Yeah.","start":373.365,"end":373.845,"sentiment":"neutral","sentiment_score":0.0784066691994667}],"sentiment":"neutral","sentiment_score":-0.04439097479917109,"num_words":8,"start":311.8,"end":373.845},{"sentences":[{"text":"Yeah.","start":373.845,"end":374.345,"sentiment":"neutral","sentiment_score":0.10402835160493852},{"text":"I'm just taking a few notes down for that as well.","start":374.48502,"end":376.725,"sentiment":"neutral","sentiment_score":0.14069457758556714},{"text":"So just in terms of, like, assets and everything, the the property that we had noted down, so you're using that savings to also pay, like, mortgage repayments as well?","start":376.725,"end":386.5,"sentiment":"neutral","sentiment_score":0.07654101960361004},{"text":"Yep.","start":390.56,"end":390.96,"sentiment":"neutral","sentiment_score":0.05134391039609909},{"text":"And that's that's 3 Lost Home Drive.","start":390.96,"end":392.905,"sentiment":"neutral","sentiment_score":0.02650465483644179}],"sentiment":"neutral","sentiment_score":0.08369551574811339,"num_words":50,"start":373.845,"end":392.905},{"sentences":[{"text":"Correct?","start":392.905,"end":393.405,"sentiment":"neutral","sentiment_score":0.04431538283824921},{"text":"K.","start":397.14502,"end":397.625,"sentiment":"neutral","sentiment_score":0.043933749198913574},{"text":"So if I do a quick little check on that one online, they're saying it's probably worth about 1.6 at the moment.","start":397.625,"end":407.02002,"sentiment":"neutral","sentiment_score":0.04505594650452787},{"text":"Does that sound correct?","start":407.02002,"end":408.08002,"sentiment":"neutral","sentiment_score":0.047994053922593594},{"text":"Or I'll put in $16.50 there.","start":414.38,"end":417.76,"sentiment":"neutral","sentiment_score":0.010665560606867075}],"sentiment":"neutral","sentiment_score":0.03927792748436332,"num_words":34,"start":392.905,"end":417.76},{"sentences":[{"text":"And can I just quickly take down how much you've got owing approximately just to to update that?","start":418.14,"end":422.175,"sentiment":"neutral","sentiment_score":0.009103728510025475},{"text":"Yep.","start":425.435,"end":425.935,"sentiment":"neutral","sentiment_score":0.082863450050354},{"text":"He's done.","start":426.155,"end":426.975,"sentiment":"neutral","sentiment_score":0.1637708991765976},{"text":"Mill flat.","start":427.755,"end":428.655,"sentiment":"neutral","sentiment_score":0.05093936435878277},{"text":"And outside of that in the Kia Sorento, any other assets or liabilities floating around?","start":431.035,"end":435.15,"sentiment":"neutral","sentiment_score":0.0059752681603034334}],"sentiment":"neutral","sentiment_score":0.020152108229108547,"num_words":38,"start":418.14,"end":435.15},{"sentences":[{"text":"Perfect.","start":441.94998,"end":442.27,"sentiment":"neutral","sentiment_score":0.3284284472465515},{"text":"So I've got the savings, the home.","start":442.27,"end":444.13,"sentiment":"neutral","sentiment_score":0.1654793524316379},{"text":"And in terms of the the business side of things, so is that essentially doing the, like, steel supply?","start":444.59,"end":451.715,"sentiment":"neutral","sentiment_score":0.043636051741869825},{"text":"You're the director of the company, obviously.","start":452.57498,"end":454.51498,"sentiment":"neutral","sentiment_score":0.03519229218363762},{"text":"Do you do anything on...","start":454.895,"end":456.51498,"sentiment":"neutral","sentiment_score":0.021428188495337962}],"sentiment":"neutral","sentiment_score":0.06844502269553068,"num_words":39,"start":441.94998,"end":456.51498},{"sentences":[{"text":"Do you...","start":457.69498,"end":458.275,"sentiment":"neutral","sentiment_score":0.0017828135751187801},{"text":"In terms of the factory floor, do you do any on the tools, or is it more just operating machinery?","start":458.335,"end":462.91,"sentiment":"neutral","sentiment_score":-0.01919338833540678},{"text":"I know most of it's in office.","start":463.13,"end":464.59,"sentiment":"neutral","sentiment_score":-0.03595293339874063},{"text":"Yeah.","start":485.125,"end":485.625,"sentiment":"neutral","sentiment_score":-0.004087870940566063},{"text":"Yep.","start":522.1,"end":522.6,"sentiment":"neutral","sentiment_score":0.159990593791008}],"sentiment":"neutral","sentiment_score":-0.0153570951773755,"num_words":31,"start":457.69498,"end":522.6},{"sentences":[{"text":"Few surveys as well.","start":522.66,"end":524.055,"sentiment":"neutral","sentiment_score":0.12839334458112717},{"text":"I'm just thinking for...","start":526.135,"end":527.995,"sentiment":"neutral","sentiment_score":0.03284163028001785},{"text":"But just before I jump into the super side of things, the insurances that you've got, I don't know if you remember that Neos policy that was put in place.","start":528.855,"end":535.195,"sentiment":"neutral","sentiment_score":-0.0561191293100516},{"text":"What I'm sort of thinking for that one is the income protection.","start":536.88995,"end":540.91,"sentiment":"neutral","sentiment_score":0.12803723787268004},{"text":"So the way that works is because it's an indemnity policy, when you go to claim on insurance, you know, you're at work for six months, that kind of thing, They're going to essentially go, you know, hand in your twelve month income, which at this point might be a combination of the previous job plus what's going on inside the business for the p and l's profit and loss statements.","start":542.01,"end":564.195,"sentiment":"neutral","sentiment_score":0.01649823313510098}],"sentiment":"neutral","sentiment_score":0.013794937414936875,"num_words":121,"start":522.66,"end":564.195},{"sentences":[{"text":"The questions that they would also ask, for example, like, if you went on claim is would the income continue to you if you were injured or ill?","start":565.73004,"end":575.57,"sentiment":"neutral","sentiment_score":-0.1647615901061467},{"text":"Like, for example, let's say the four guys that work for you continue to generate all the income, and you could just draw down income and you'd be fine indefinitely.","start":575.57,"end":584.185,"sentiment":"neutral","sentiment_score":-0.10928459291656813},{"text":"There's no lost income there, but it doesn't sound like that's the case for you.","start":584.485,"end":587.445,"sentiment":"neutral","sentiment_score":-0.19407891730467478},{"text":"You're at that start up point where if you're not working, income's not coming in.","start":587.445,"end":591.48004,"sentiment":"neutral","sentiment_score":-0.12931340411305428},{"text":"Yep.","start":611.07495,"end":611.57495,"sentiment":"neutral","sentiment_score":-0.026506995782256126}],"sentiment":"neutral","sentiment_score":-0.14347476547772295,"num_words":89,"start":565.73004,"end":611.57495},{"sentences":[{"text":"So what you've essentially got is income protection that's paid out until June of next year, already kind of paid for.","start":612.035,"end":620.93,"sentiment":"neutral","sentiment_score":-0.0812454800165835},{"text":"There may be a need to kind of alter that at some point because, obviously, we don't want you paying for something you can't claim on.","start":622.51,"end":627.73,"sentiment":"neutral","sentiment_score":-0.2868561286192674},{"text":"And I'm just thinking figures wise.","start":629.555,"end":631.07495,"sentiment":"neutral","sentiment_score":0.001827094703912735},{"text":"So if I go $963.02 is what you're insured for per month, and that's a 70% policy.","start":631.07495,"end":638.77496,"sentiment":"neutral","sentiment_score":0.03967455730718725},{"text":"So I'm basically just gonna do a quick little work back just to see what it's looking like.","start":639.63495,"end":644.19,"sentiment":"neutral","sentiment_score":0.05638038936174578}],"sentiment":"neutral","sentiment_score":-0.0848197428805923,"num_words":88,"start":612.035,"end":644.19},{"sentences":[{"text":"So it's protecting an income of 165,000, slowly depleting down.","start":646.49005,"end":651.77,"sentiment":"neutral","sentiment_score":-0.22583117112517356},{"text":"Let...","start":651.77,"end":651.93005,"sentiment":"neutral","sentiment_score":-0.10969684273004532},{"text":"Let's say you never drew anything from the business for twelve months.","start":651.93005,"end":654.945,"sentiment":"neutral","sentiment_score":-0.22071538865566254},{"text":"That equivalent would go down from $1.65 and slowly whittle down over a twelve month period.","start":656.145,"end":660.72504,"sentiment":"neutral","sentiment_score":-0.3094120044261217},{"text":"So what my question is, do we do any alterations to the policy now, or do we kind of touch base around the end of financial year, see how the business is going, and see if we need to do any trimming down alterations at that point?","start":660.945,"end":674.33997,"sentiment":"neutral","sentiment_score":-0.1136840173697218}],"sentiment":"neutral","sentiment_score":-0.1780271407563326,"num_words":86,"start":646.49005,"end":674.33997},{"sentences":[{"text":"Yep.","start":683.44,"end":683.745,"sentiment":"neutral","sentiment_score":-0.03645972162485123},{"text":"So it'll be an income coming there.","start":684.065,"end":685.925,"sentiment":"neutral","sentiment_score":-0.028661932929285934},{"text":"Yeah.","start":686.545,"end":686.945,"sentiment":"neutral","sentiment_score":-0.030470509082078937},{"text":"Jeez.","start":686.945,"end":687.445,"sentiment":"neutral","sentiment_score":-0.07095019519329071},{"text":"And so what you're telling me is it's pretty important to protect the income.","start":711.07996,"end":713.995,"sentiment":"neutral","sentiment_score":0.024714050282325064}],"sentiment":"neutral","sentiment_score":0.000311781147805353,"num_words":24,"start":683.44,"end":713.995},{"sentences":[{"text":"As soon as it's sort of rolling and built, you need to make sure you don't lose it too.","start":713.995,"end":717.455,"sentiment":"neutral","sentiment_score":-0.08545513941269171},{"text":"K.","start":719.835,"end":720.335,"sentiment":"neutral","sentiment_score":0.009579000994563104},{"text":"Yeah.","start":742.825,"end":743.325,"sentiment":"neutral","sentiment_score":-0.049586474895477295},{"text":"Yeah.","start":757.08,"end":757.58,"sentiment":"neutral","sentiment_score":-0.007759090512990952},{"text":"Yeah.","start":772.135,"end":772.615,"sentiment":"neutral","sentiment_score":-0.03975941613316536}],"sentiment":"neutral","sentiment_score":-0.07439885345166145,"num_words":23,"start":713.995,"end":772.615},{"sentences":[{"text":"Absolutely.","start":772.615,"end":773.115,"sentiment":"neutral","sentiment_score":0.03165535256266594},{"text":"What I'm sort of thinking is that we basically just need to...","start":774.45,"end":776.93,"sentiment":"neutral","sentiment_score":0.02268556916775803},{"text":"You'll have a pretty good idea by, like, May, June as well.","start":776.93,"end":780.23,"sentiment":"neutral","sentiment_score":0.13028262307246527},{"text":"So what I'm basically gonna pencil in is a bit of a catch up around early May just to sort of see how the the cash flow is going.","start":780.52997,"end":789.725,"sentiment":"neutral","sentiment_score":0.12457167819656174},{"text":"If you have any sort of profit and loss statements generated at that time, I can use them for the financial planning for the personal side of things.","start":789.865,"end":797.245,"sentiment":"neutral","sentiment_score":0.22305282098906382}],"sentiment":"neutral","sentiment_score":0.14299184530291978,"num_words":82,"start":772.615,"end":797.245},{"sentences":[{"text":"And that's with regards to the super, the insurances, anything for budgeting, debt management, We can use it for everything and almost kinda link in together as a bit of a triangle.","start":797.785,"end":806.95996,"sentiment":"neutral","sentiment_score":0.11308250564616174},{"text":"One thing I will let you know as well, 1,700,000 worth of life insurance and disability insurance to clear the mortgage, set the family up.","start":808.86,"end":817.625,"sentiment":"neutral","sentiment_score":0.1325687700510025},{"text":"So, obviously, in the interim, while there's no contributions going into super, the fees, the premiums are gonna have a bit of an impact.","start":819.445,"end":826.105,"sentiment":"neutral","sentiment_score":-0.0037409405534466113},{"text":"Normally speaking, your portfolio being that sort of high growth, it'd kind of be able to handle itself for a couple of years.","start":826.485,"end":834.93,"sentiment":"neutral","sentiment_score":0.07585851848125458},{"text":"Twenty four months, three years max, where, you know, if you get a 10% return, you're sitting at 312,000.","start":837.55,"end":845.09,"sentiment":"neutral","sentiment_score":0.16110638254567197}],"sentiment":"neutral","sentiment_score":0.09470604920411498,"num_words":123,"start":797.785,"end":845.09},{"sentences":[{"text":"30,000 worth of return coming in is more gonna offset any kind of fees and premiums and still grow.","start":845.525,"end":851.78503,"sentiment":"neutral","sentiment_score":0.21442974437224238},{"text":"So we pretty much gotta keep it as high growth as possible for as long as possible.","start":854.48505,"end":858.98505,"sentiment":"positive","sentiment_score":0.41782861772705526},{"text":"And then once cash flow rolls, we can do some updated retirement projections and see if we need to alter it from there, if that sounds alright.","start":859.07,"end":867.17,"sentiment":"neutral","sentiment_score":0.18143913508565337},{"text":"K.","start":870.02997,"end":870.35,"sentiment":"neutral","sentiment_score":0.12011692672967912},{"text":"So because, ultimately, like, you know how we deal with the retirement side of things, we're aiming for that kind of early retirement, age 60.","start":870.35,"end":878.39496,"sentiment":"neutral","sentiment_score":0.2652419596910477}],"sentiment":"neutral","sentiment_score":0.2564862270870905,"num_words":89,"start":845.525,"end":878.39496},{"sentences":[{"text":"It's like you gotta build the business up, pay off the mortgage, but then also be able to sit at 60, hang up the boots, and and spend time with family if that rings a bell as well.","start":878.39496,"end":887.21,"sentiment":"neutral","sentiment_score":0.26022303300468547},{"text":"So the way I kinda look at it, we've got...","start":889.99,"end":892.57,"sentiment":"neutral","sentiment_score":0.17242322936654092},{"text":"We still got a good twenty years to get the growth out of it.","start":893.27,"end":896.33,"sentiment":"positive","sentiment_score":0.47875088453292847},{"text":"Usually, three years to build up the business side of things, seventeen years to kind of accelerate the growth of the super, so ten years of of huge growth, seven years of then reducing your risk down in the lead up to age 60.","start":896.79,"end":909.955,"sentiment":"positive","sentiment_score":0.36260947720570996},{"text":"So your life's kind of split in between what happens the next three to five years, the decade after that to make all the money, and then that last little seven years where you start to slow things down and transition off of it.","start":910.175,"end":923.12,"sentiment":"neutral","sentiment_score":-0.0006976353681900284}],"sentiment":"neutral","sentiment_score":0.22826227314770223,"num_words":150,"start":878.39496,"end":923.12},{"sentences":[{"text":"So I'm basically gonna update the the goals in your your system with us to sort of say, build up the business, get a handle on the cash flow and the mortgage.","start":924.94,"end":934.70496,"sentiment":"neutral","sentiment_score":0.22560953721404076},{"text":"In a couple of years' time, restart contributions to super, build those assets up, and then pay off that million dollars worth of mortgage.","start":935.245,"end":941.745,"sentiment":"neutral","sentiment_score":0.18277418675522009},{"text":"Is there anything else that you sort of can mix into the plans there that you want to factor in, or is it really just business, mortgage, retirement?","start":942.285,"end":949.6,"sentiment":"neutral","sentiment_score":0.12555255853970135},{"text":"I can imagine.","start":954.77997,"end":955.68,"sentiment":"neutral","sentiment_score":-0.1721370667219162},{"text":"Yeah.","start":967.035,"end":967.535,"sentiment":"neutral","sentiment_score":-0.02348482981324196}],"sentiment":"neutral","sentiment_score":0.1657006963875822,"num_words":88,"start":924.94,"end":967.535},{"sentences":[{"text":"Is it feeling a little bit more stable now?","start":999.39996,"end":1001.74,"sentiment":"neutral","sentiment_score":-0.097928569962581},{"text":"Yeah.","start":1022.03,"end":1022.53,"sentiment":"neutral","sentiment_score":0.21818700432777405},{"text":"Yeah.","start":1051.5,"end":1052.0,"sentiment":"neutral","sentiment_score":0.29247552156448364},{"text":"Absolutely.","start":1052.14,"end":1052.64,"sentiment":"positive","sentiment_score":0.4035033881664276},{"text":"So our kind of role alongside you is not just the super guys.","start":1052.86,"end":1056.835,"sentiment":"positive","sentiment_score":0.3403233289718628}],"sentiment":"neutral","sentiment_score":0.1782804824411869,"num_words":25,"start":999.39996,"end":1056.835},{"sentences":[{"text":"Once things settle down, we're basically gonna touch back around how to do the cash flow side of things, the debt management.","start":1056.835,"end":1063.015,"sentiment":"neutral","sentiment_score":0.2697822214527564},{"text":"Anything you need for the accounting side of things, let us know, and we can kind of work out some updated plans next year, the year after, and really just accelerate things.","start":1063.315,"end":1073.08,"sentiment":"positive","sentiment_score":0.3491529352031648},{"text":"Because once...","start":1073.08,"end":1073.72,"sentiment":"neutral","sentiment_score":0.18711000680923462},{"text":"Like, we've got a lot of guys that, you know, built up NDIS businesses, trades businesses, and the like.","start":1073.72,"end":1079.18,"sentiment":"positive","sentiment_score":0.3380568631385502},{"text":"And once the cash flow starts rolling, it's just about let's direct that to to knock those goals out in a smart way as well.","start":1079.24,"end":1085.955,"sentiment":"positive","sentiment_score":0.47412176489830016}],"sentiment":"positive","sentiment_score":0.3575844733417034,"num_words":100,"start":1056.835,"end":1085.955},{"sentences":[{"text":"K.","start":1087.775,"end":1088.275,"sentiment":"neutral","sentiment_score":0.0525803379714489},{"text":"So one...","start":1088.335,"end":1089.135,"sentiment":"neutral","sentiment_score":0.013838760554790497},{"text":"A couple of things I'll quickly check with you before I let you go is just in terms of the super.","start":1089.135,"end":1095.7949,"sentiment":"neutral","sentiment_score":0.018257656179013707},{"text":"What I'm kind of seeing at the moment is I believe you've been on board with us for a couple of years now or at least in the hub twenty four since 2024.","start":1096.82,"end":1106.34,"sentiment":"neutral","sentiment_score":0.11373488345380986},{"text":"So it's been two year mark.","start":1106.34,"end":1107.88,"sentiment":"neutral","sentiment_score":0.07005768703917663}],"sentiment":"neutral","sentiment_score":0.07360739547700162,"num_words":63,"start":1087.775,"end":1107.88},{"sentences":[{"text":"Obviously, contributions have just stopped.","start":1108.42,"end":1110.1,"sentiment":"neutral","sentiment_score":-0.13669244945049286},{"text":"That's fair enough.","start":1110.1,"end":1111.08,"sentiment":"neutral","sentiment_score":0.05924865479270617},{"text":"Basically, in terms of the return side of things, that high growth profile I mentioned before, 90% shares property in gold, 10% on the safer side of things.","start":1112.085,"end":1121.465,"sentiment":"neutral","sentiment_score":0.1722453534603119},{"text":"We need to be hitting around about 10% returns to keep the super growing, offset fees, and make sure you're still on track, if that makes sense.","start":1121.685,"end":1129.72,"sentiment":"neutral","sentiment_score":0.22719807150187316},{"text":"You're kind of sitting out over the two years.","start":1132.1,"end":1134.5199,"sentiment":"neutral","sentiment_score":-0.09596641196144952}],"sentiment":"neutral","sentiment_score":0.13316394217933217,"num_words":72,"start":1108.42,"end":1134.5199},{"sentences":[{"text":"Let's have a look here.","start":1135.5399,"end":1136.74,"sentiment":"neutral","sentiment_score":0.01952819526195526},{"text":"29% returns over the twenty four months.","start":1136.74,"end":1140.995,"sentiment":"neutral","sentiment_score":0.029354607420308248},{"text":"So you're still clearing well over 14% per annum over the two years averaged out, and that's the stock market dropping one, two, three, four times in two years.","start":1142.815,"end":1151.7949,"sentiment":"neutral","sentiment_score":-0.12124646137115257},{"text":"Last twelve months is a little bit more flat because the world exploded.","start":1154.19,"end":1157.1699,"sentiment":"neutral","sentiment_score":-0.21167138792001283},{"text":"So I'm just having a look here.","start":1157.3099,"end":1158.4299,"sentiment":"neutral","sentiment_score":0.06578733346291951}],"sentiment":"neutral","sentiment_score":-0.09023345672510198,"num_words":61,"start":1135.5399,"end":1158.4299},{"sentences":[{"text":"You're still up in the positive, which is good.","start":1158.4299,"end":1160.61,"sentiment":"positive","sentiment_score":0.38863222466574776},{"text":"Bear in mind, some years when there's no contributions and the stock market plummets, that 312,000 you've got, that might go down to $2.70 and then be 400,000 eighteen months later.","start":1160.9099,"end":1171.785,"sentiment":"neutral","sentiment_score":-0.20184404066493433},{"text":"So I'm just kind of warning you of the roller coaster ride because you've built up a pretty big balance now.","start":1173.685,"end":1178.265,"sentiment":"neutral","sentiment_score":-0.21870955328146616},{"text":"Any percentage move in the stock market, property market, gold market, that's gonna reflect a pretty big balance on your super account.","start":1178.485,"end":1185.8401,"sentiment":"neutral","sentiment_score":-0.0033957624638622456},{"text":"K?","start":1187.74,"end":1188.22,"sentiment":"neutral","sentiment_score":0.08457591384649277}],"sentiment":"neutral","sentiment_score":-0.08741079426060121,"num_words":84,"start":1158.4299,"end":1188.22},{"sentences":[{"text":"So what I'm gonna do, if this is okay with you, is I'm gonna keep an eye on the portfolio between now and our next catch up.","start":1188.22,"end":1196.955,"sentiment":"neutral","sentiment_score":0.17178086577742188},{"text":"And then basically, there's eight options in there.","start":1197.115,"end":1200.735,"sentiment":"neutral","sentiment_score":0.14389521535485983},{"text":"Most of them have done pretty much everything that we want them to do.","start":1200.955,"end":1204.1549,"sentiment":"neutral","sentiment_score":0.23455899262002536},{"text":"There's one there that's a bit of a concern, a Bennelong option, which has kind of been dragging its feet a little bit.","start":1204.1549,"end":1209.36,"sentiment":"neutral","sentiment_score":-0.2877505518819975},{"text":"What I would like to do is, let's say, around May, we catch back up again.","start":1209.6,"end":1213.62,"sentiment":"neutral","sentiment_score":-0.07183527108281851}],"sentiment":"neutral","sentiment_score":0.014834590510211208,"num_words":88,"start":1188.22,"end":1213.62},{"sentences":[{"text":"If that hasn't picked its feet, I'm gonna do a bit of a tune up of the portfolio and switch a couple of options around.","start":1213.92,"end":1219.7,"sentiment":"neutral","sentiment_score":-0.07580257840454578},{"text":"At the same time, we talk about the insurances, see if we need to tweak it, and at the same time, talk about anything you need for the tax season as well.","start":1220.32,"end":1227.755,"sentiment":"neutral","sentiment_score":0.06866479082964361},{"text":"Is that alright?","start":1230.055,"end":1230.795,"sentiment":"neutral","sentiment_score":0.08770830184221268},{"text":"Cool.","start":1232.935,"end":1233.435,"sentiment":"positive","sentiment_score":0.43966010212898254},{"text":"I'm not gonna update income at the moment.","start":1234.055,"end":1236.215,"sentiment":"neutral","sentiment_score":-0.10142489522695541}],"sentiment":"neutral","sentiment_score":0.0028057201778975086,"num_words":69,"start":1213.92,"end":1236.215},{"sentences":[{"text":"Just leave that flat as is.","start":1236.215,"end":1237.95,"sentiment":"neutral","sentiment_score":-0.054476698860526085},{"text":"Estate planning wise, we still have the beneficiary listed as Leanne.","start":1238.75,"end":1242.85,"sentiment":"neutral","sentiment_score":0.013015106320381165},{"text":"So I'm assuming no changes for that for the super or the life insurance.","start":1243.07,"end":1246.2899,"sentiment":"neutral","sentiment_score":-0.04681842275229948},{"text":"Probably not the top of your priority list while you're trying to build a business, but putting in place a will and a power of attorney as you start growing the business assets, personal assets, investment assets, there will be a deeper conversation around estate planning, business succession, how does that pass on, how does the assets pass on.","start":1248.83,"end":1267.29,"sentiment":"neutral","sentiment_score":-0.016220375990210954},{"text":"So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established.","start":1267.53,"end":1274.91,"sentiment":"neutral","sentiment_score":0.025542723685503005}],"sentiment":"neutral","sentiment_score":-0.010065965508313283,"num_words":115,"start":1236.215,"end":1274.91},{"sentences":[{"text":"Cool.","start":1277.4501,"end":1277.9501,"sentiment":"positive","sentiment_score":0.3727624714374542},{"text":"Outside of that, I've got a bit of a pack to send through to you for the review just with updated figures, certificate of currency for your insurance.","start":1278.9701,"end":1287.265,"sentiment":"neutral","sentiment_score":0.19103567089353288},{"text":"So if anything does happen health wise, you know what you've got, we can help you with the claim, service guides with us, performance reports, all that kind of thing.","start":1287.725,"end":1297.84,"sentiment":"neutral","sentiment_score":0.19950549006462098},{"text":"Am I okay to send it through to the web still email that we've now got on file?","start":1297.84,"end":1302.18,"sentiment":"neutral","sentiment_score":0.10618562085760964},{"text":"Perfect.","start":1304.48,"end":1304.98,"sentiment":"positive","sentiment_score":0.5040217638015747}],"sentiment":"neutral","sentiment_score":0.18105498586709684,"num_words":78,"start":1277.4501,"end":1304.98},{"sentences":[{"text":"There is a fee reduction with us as well.","start":1305.84,"end":1308.9,"sentiment":"neutral","sentiment_score":0.23499826507435906},{"text":"So normally, it's 1.65%, but we've added in tiered structure this year in the new service guide.","start":1309.52,"end":1317.195,"sentiment":"neutral","sentiment_score":0.020757301080533686},{"text":"So anyone above 200,000, you're sitting at $3.12.","start":1317.195,"end":1320.895,"sentiment":"neutral","sentiment_score":-0.0019338205456733704},{"text":"The percentage actually drops to 1.37.","start":1321.355,"end":1323.89,"sentiment":"neutral","sentiment_score":-0.12988365441560745},{"text":"And then when you're above 0.5 a mil, it goes down to 1.1%.","start":1323.9501,"end":1327.41,"sentiment":"neutral","sentiment_score":-0.06478534237696575}],"sentiment":"neutral","sentiment_score":0.015676916269409768,"num_words":53,"start":1305.84,"end":1327.41},{"sentences":[{"text":"And then from 0.5 a mil onwards, there's another drop after that as well.","start":1327.87,"end":1331.17,"sentiment":"neutral","sentiment_score":-0.10255795983331543},{"text":"Cool.","start":1333.47,"end":1333.97,"sentiment":"positive","sentiment_score":0.3735753297805786},{"text":"I do need to ask you if you're still comfortable for us to kinda look after things for the time being.","start":1335.0701,"end":1339.035,"sentiment":"neutral","sentiment_score":0.17289178995859056},{"text":"Awesome.","start":1354.635,"end":1354.98,"sentiment":"positive","sentiment_score":0.6442375183105469},{"text":"Alright.","start":1355.22,"end":1355.46,"sentiment":"positive","sentiment_score":0.4590291380882263}],"sentiment":"neutral","sentiment_score":0.09662521414850887,"num_words":38,"start":1327.87,"end":1355.46},{"sentences":[{"text":"So I'll leave that pack with you.","start":1355.46,"end":1356.98,"sentiment":"positive","sentiment_score":0.35504439898899626},{"text":"Any questions, give us a buzz.","start":1356.98,"end":1358.52,"sentiment":"neutral","sentiment_score":0.2561442529161771},{"text":"Do you want me to pencil in any kind of catch ups before the end of the year or early in the New Year or just kind of wait until everything settles down from the cash flow and accounting side of things?","start":1358.82,"end":1368.135,"sentiment":"neutral","sentiment_score":0.1434804570107233},{"text":"Realistically, if anything explodes Christmas time or in the New Year, we'll probably have to get in touch with you if the world kinda melts down.","start":1392.5149,"end":1400.215,"sentiment":"neutral","sentiment_score":-0.24554305294385323},{"text":"Outside of that, we basically just need to wait for paperwork and and paper trail to sort itself out, and then I can make some changes to the different products and strategies around end of financial year.","start":1401.075,"end":1412.23,"sentiment":"neutral","sentiment_score":0.051770128309726715}],"sentiment":"neutral","sentiment_score":0.04728585487957728,"num_words":118,"start":1355.46,"end":1412.23},{"sentences":[{"text":"Cool.","start":1417.33,"end":1417.83,"sentiment":"positive","sentiment_score":0.5559370517730713},{"text":"I'm just gonna double check if there's anything else there, but any questions for me at this point?","start":1418.77,"end":1422.585,"sentiment":"neutral","sentiment_score":0.16424344273077118},{"text":"Cool.","start":1426.985,"end":1427.385,"sentiment":"positive","sentiment_score":0.41325098276138306},{"text":"Well, you just keep looking after Leanne, Miles, Austin, and Winnie, and you've got a business to build and a mortgage to pay, so I won't be a burden in your side, mate.","start":1427.385,"end":1434.81,"sentiment":"positive","sentiment_score":0.39078572482773755},{"text":"I'll just make sure that when things change, we've got some ideas and things to help you.","start":1435.3701,"end":1439.39,"sentiment":"positive","sentiment_score":0.4771035997306599}],"sentiment":"positive","sentiment_score":0.356175144548927,"num_words":70,"start":1417.33,"end":1439.39},{"sentences":[{"text":"No worries at all, mate.","start":1442.17,"end":1443.13,"sentiment":"positive","sentiment_score":0.46407116651535035},{"text":"Have a fantastic week, and I shall talk to you again soon.","start":1443.13,"end":1446.03,"sentiment":"positive","sentiment_score":0.7640308489402136},{"text":"Bye.","start":1448.0901,"end":1448.4901,"sentiment":"neutral","sentiment_score":0.1997961699962616},{"text":"Bye.","start":1448.4901,"end":1448.9901,"sentiment":"neutral","sentiment_score":-0.10657335817813872}],"sentiment":"positive","sentiment_score":0.6095762542988125,"num_words":19,"start":1442.17,"end":1448.9901}]}}]},{"alternatives":[{"transcript":"No worries, mate. Sorry. I missed you. I I tried to answer when it's called. I just cut up and then it missed it, and then that was it. Now I only just seen a text message to ring back. Yep. Yeah. Just... Yep. Whatever. Let's say there's 80, mate. Yeah. Well, since in the last six months, I've started my own business. So I left old business, started new business. And, basically, I haven't been paying super because I've started a new business, so I haven't been paying myself a wage. So that... That's sort of, like, the big change in my life because, basically, before that, I was on wages for twenty three years now and then. So... And that's sort of the... If there's any sort of change to discuss on that part with how that sort of, you know, affects moving forward. Yeah. No. That... Yeah. That's a new... I only changed that in the last week. So when when when you guys called to book this in, I said, yeah, I I I filled them in. I said I've I've, yeah, new new business, and I've and I've changed new house as well in the last six months. Old income, mate. Yeah. Yep. Probably between now and the next financial, there will be a buggerable income, basically. So I I won't be paying myself a wage just, yeah, to try and get the the business off the ground and trying to just survive on, you know, savings. And... Yeah. And then hopefully... Well, before... Oh, so before the end of next financial, hopefully, everything's sorted, and I have structured it that I can be paying myself a wage. But as far as then get paying myself in super, that's that's not... Don't happen for a while, I wouldn't say, in 2026 anyway. Yep. Yep. Yeah. Okay. Cool. Sounds good. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Sounds good. Right? As in what as in what there is or what there... Or what is going... What we're spending? What? What is it? There was about forty k when I first started, and that was to do with, yeah, my entitlements and stuff from work, from my old employee employment. So I had about 40 k because I... Yeah. I had to ask those questions to my account. I said, how am I gonna survive? You know? Like, and then it was, well, yeah, you gotta try and survive off them, and then and then we'll look at it when that runs out. You know what I mean? So... That's... I think there was... You know, there's, like, half of that's gone. There's, like, 29 left there. So... Yeah. I I sort of said to my account, so I I think with supporting myself, my wife, and my three children and and everything, mortgage and and everything else. Like I said, I don't see them them funds, you know, much being left after the end of November. You know? And I said, yeah. Okay. We'll we'll just look at it closer to, say, how you going? And then look at then drawing from the business to, you know, keep you, you know, stable, and then we'll just... Yeah. Like like, they're just gonna sort of tell me what to do in a way. Yep. But I've moved here from the last six months. Yes. Moved to 3 Laskin Drive. Yep. Yeah. I paid 1.65. I think it's about a mil. Yeah. I think. Yep. Yep. Not not not not not really. No. Yes. Still manufacturing. Yep. No. Yeah. I'm still... Yeah. I've gone gone, like, sort of not so much fifty fifty, maybe seventy thirty. I'm sort of I suppose I'm a tool. I call it tools. You're out with the boys a bit. You know what I mean? I've only got a crew of four four guys. So I went from time to, like, when I was director of that business. So we have 30 employees at one point. You know what I mean? So just got... Just started up a smaller business, trying to structure it a bit better that... Yeah. A lot of outsourcing and stuff. So, yeah, sort of using all my experience and knowledge into, you know, being more like a builder in a way. Like, yeah. So, yeah, I only have a few heads, you know, under the Landstuhl banner, but then also using subcontractors and stuff to, you know, still achieve, you know, the jobs, get the jobs, and get the jobs on the line. Yeah. Yes. Mhmm. Yes. No change. Mate, even if I was six years in, there's no... The business won't survive if if I wasn't around. So it's... Yeah. Just the full guy. They're only... They're as good as they are. It's not... They still need their their their boss to to bring in the work, manage the work. You know what I mean? So it's just... It it wouldn't it wouldn't survive, no, if I wasn't around. Yep. Yeah. Probably the second what you said. Because end of the day, like, I... I'm gonna have to draw money. Like, I can't survive off nothing. You know what I mean? Like, my new mortgage is $600 a week. You know what I mean? So I've got three children, you know, like like that, you know, and now they're not just, like, normal bills and food. Like, the amount of bloody sports and bloody rep competitions and bloody everything. You know what I mean? You pay every fee. There's another 1,200 here for a rep bloody registration and all... You know, like, there's that much money. Yeah. It's not that nothing's shared in my... In my life at the minute. That's for sure. It's... Yes. Yes. 100%. 100%, mate. But I... Yeah. I would say there's not... There's something has to keep. So come end of November, going into December, into Christmas. Like, I have better discussions I've had with my accountant. It'll be that, yeah, right over, what are we doing? Like, I have to start drawing money because there's not money sitting there, you know, to to to live up, to pay the bills. You know? So there would definitely be how that next... It's gonna be a mess, I reckon, and that's why I'm glad because my accountants have been my business advisers as well. Like, they're the ones that have structured my business and set it up for me. So I think they know what's coming. Like, they may know more about that stuff than me because come next financial year, working out all that paperwork with all what's coming and what's going out and and and, you know, that... That's that's gonna be a bit of a mess, I would say. Yeah. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yes. Okay. Okay. Yep. Yep. Yep. Yep. Yeah. No. No. It's just been my... Yes. This year's been pretty busy for us to be honest because... Yeah, when we when we bought the house, it was it was the start of February when we bought it. And then I didn't know what was that was me thinking that I was just gonna be staying working at KMT. You know? So that then happened about three months later, and we hadn't even moved into the house. So we had a four month settlement, and then we moved it back two months to then match the settlement on ours. So it was six months settlement all up, and all the business stuff started happening halfway through. So it was actually... Yeah. A lot of sleepless nights, but that was... Yeah. Definitely wouldn't go through either one of them per year, let alone two. You know? So that's been the biggest changes. Yeah. For sure. Yeah. I've had this business going for a little bit now and, yeah, starting to get on top of everything. But, yeah, that is definitely a stress point of mine. We're just making sure there's money there to, yeah, live, pay the mortgage, and live, and everything else. You know? So, yeah, business as far as, yeah, work coming in and and and all that far, it's starting to, yeah, get on its get on its feet and definitely definitely move forward in the right in the right direction. But that's not from, you know, being lazy either. That's from doing proper twelve hours a day and then going home and a laptop for another two hours. You know? So it's... I've definitely been pushing myself to to make it all happen. Yep. That's okay. Yep. Yes. Yep. I can. Yeah. I kinda... Yep. Yep. Yep. Yep. I can. Yep. Mhmm. Yep. Yeah. Yeah. Okay. Yeah. Yeah. Sounds good, mate. Yeah. Yep. Yep. Yep. Yep. Yep. Gotcha. Yes. K. Hold on. Okay. Okay. Mhmm. Mhmm. But, yeah, it's not. Definitely. Yeah. Choosing to hear... Tell you what's going on and then you to understand and sort of have a bit of a plan... An action plan, you know what I mean, to move forward. So... No. Definitely. That's fine. Yeah. Yeah. I don't wanna waste any amount of time. I mean, yeah, I've got a lot on my plate between now and Christmas to to get sorted, and I'm gonna be doing doing a lot with my account and everything to... Along the way. So, yeah, we can do... Yeah. We can... I don't know. Something... I I don't know. What do you think? Do you think it's gonna need or just think... Wait till next year? Yep. Yeah. Okay. So it's really something something next year I'll do. Yeah. That's fine. No. No, mate. No. I think I'm thinking we're right there. Perfect. Thank you very much. Sorry. Thanks, man. Bye bye. You too. 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worries, mate. Sorry. I missed you. I I tried to answer when it's called. I just cut up and then it missed it, and then that was it.\n\nNow I only just seen a text message to ring back. Yep. Yeah. Just... Yep.\n\nWhatever. Let's say there's 80, mate. Yeah. Well, since in the last six months, I've started my own business. So I left old business, started new business.\n\nAnd, basically, I haven't been paying super because I've started a new business, so I haven't been paying myself a wage. So that... That's sort of, like, the big change in my life because, basically, before that, I was on wages for twenty three years now and then. So... And that's sort of the...\n\nIf there's any sort of change to discuss on that part with how that sort of, you know, affects moving forward. Yeah. No. That... Yeah.\n\nThat's a new... I only changed that in the last week. So when when when you guys called to book this in, I said, yeah, I I I filled them in. I said I've I've, yeah, new new business, and I've and I've changed new house as well in the last six months. Old income, mate.\n\nYeah. Yep. Probably between now and the next financial, there will be a buggerable income, basically. So I I won't be paying myself a wage just, yeah, to try and get the the business off the ground and trying to just survive on, you know, savings. And...\n\nYeah. And then hopefully... Well, before... Oh, so before the end of next financial, hopefully, everything's sorted, and I have structured it that I can be paying myself a wage. But as far as then get paying myself in super, that's that's not...\n\nDon't happen for a while, I wouldn't say, in 2026 anyway. Yep. Yep. Yeah. Okay.\n\nCool. Sounds good. Yep. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Sounds good. Right? As in what as in what there is or what there...\n\nOr what is going... What we're spending? What? What is it? There was about forty k when I first started, and that was to do with, yeah, my entitlements and stuff from work, from my old employee employment.\n\nSo I had about 40 k because I... Yeah. I had to ask those questions to my account. I said, how am I gonna survive? You know?\n\nLike, and then it was, well, yeah, you gotta try and survive off them, and then and then we'll look at it when that runs out. You know what I mean? So... That's... I think there was...\n\nYou know, there's, like, half of that's gone. There's, like, 29 left there. So... Yeah. I I sort of said to my account, so I I think with supporting myself, my wife, and my three children and and everything, mortgage and and everything else.\n\nLike I said, I don't see them them funds, you know, much being left after the end of November. You know? And I said, yeah. Okay. We'll we'll just look at it closer to, say, how you going?\n\nAnd then look at then drawing from the business to, you know, keep you, you know, stable, and then we'll just... Yeah. Like like, they're just gonna sort of tell me what to do in a way. Yep. But I've moved here from the last six months.\n\nYes. Moved to 3 Laskin Drive. Yep. Yeah. I paid 1.65.\n\nI think it's about a mil. Yeah. I think. Yep. Yep.\n\nNot not not not not really. No. Yes. Still manufacturing. Yep.\n\nNo. Yeah. I'm still... Yeah. I've gone gone, like, sort of not so much fifty fifty, maybe seventy thirty.\n\nI'm sort of I suppose I'm a tool. I call it tools. You're out with the boys a bit. You know what I mean? I've only got a crew of four four guys.\n\nSo I went from time to, like, when I was director of that business. So we have 30 employees at one point. You know what I mean? So just got... Just started up a smaller business, trying to structure it a bit better that...\n\nYeah. A lot of outsourcing and stuff. So, yeah, sort of using all my experience and knowledge into, you know, being more like a builder in a way. Like, yeah. So, yeah, I only have a few heads, you know, under the Landstuhl banner, but then also using subcontractors and stuff to, you know, still achieve, you know, the jobs, get the jobs, and get the jobs on the line.\n\nYeah. Yes. Mhmm. Yes. No change.\n\nMate, even if I was six years in, there's no... The business won't survive if if I wasn't around. So it's... Yeah. Just the full guy.\n\nThey're only... They're as good as they are. It's not... They still need their their their boss to to bring in the work, manage the work. You know what I mean?\n\nSo it's just... It it wouldn't it wouldn't survive, no, if I wasn't around. Yep. Yeah. Probably the second what you said.\n\nBecause end of the day, like, I... I'm gonna have to draw money. Like, I can't survive off nothing. You know what I mean? Like, my new mortgage is $600 a week.\n\nYou know what I mean? So I've got three children, you know, like like that, you know, and now they're not just, like, normal bills and food. Like, the amount of bloody sports and bloody rep competitions and bloody everything. You know what I mean? You pay every fee.\n\nThere's another 1,200 here for a rep bloody registration and all... You know, like, there's that much money. Yeah. It's not that nothing's shared in my... In my life at the minute.\n\nThat's for sure. It's... Yes. Yes. 100%.\n\n100%, mate. But I... Yeah. I would say there's not... There's something has to keep.\n\nSo come end of November, going into December, into Christmas. Like, I have better discussions I've had with my accountant. It'll be that, yeah, right over, what are we doing? Like, I have to start drawing money because there's not money sitting there, you know, to to to live up, to pay the bills. You know?\n\nSo there would definitely be how that next... It's gonna be a mess, I reckon, and that's why I'm glad because my accountants have been my business advisers as well. Like, they're the ones that have structured my business and set it up for me. So I think they know what's coming. Like, they may know more about that stuff than me because come next financial year, working out all that paperwork with all what's coming and what's going out and and and, you know, that...\n\nThat's that's gonna be a bit of a mess, I would say. Yeah. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nOkay. Okay. Yep. Yep. Yep.\n\nYep. Yeah. No. No. It's just been my...\n\nYes. This year's been pretty busy for us to be honest because... Yeah, when we when we bought the house, it was it was the start of February when we bought it. And then I didn't know what was that was me thinking that I was just gonna be staying working at KMT. You know?\n\nSo that then happened about three months later, and we hadn't even moved into the house. So we had a four month settlement, and then we moved it back two months to then match the settlement on ours. So it was six months settlement all up, and all the business stuff started happening halfway through. So it was actually... Yeah.\n\nA lot of sleepless nights, but that was... Yeah. Definitely wouldn't go through either one of them per year, let alone two. You know? So that's been the biggest changes.\n\nYeah. For sure. Yeah. I've had this business going for a little bit now and, yeah, starting to get on top of everything. But, yeah, that is definitely a stress point of mine.\n\nWe're just making sure there's money there to, yeah, live, pay the mortgage, and live, and everything else. You know? So, yeah, business as far as, yeah, work coming in and and and all that far, it's starting to, yeah, get on its get on its feet and definitely definitely move forward in the right in the right direction. But that's not from, you know, being lazy either. That's from doing proper twelve hours a day and then going home and a laptop for another two hours.\n\nYou know? So it's... I've definitely been pushing myself to to make it all happen. Yep. That's okay.\n\nYep. Yes. Yep. I can. Yeah.\n\nI kinda... Yep. Yep. Yep. Yep.\n\nI can. Yep. Mhmm. Yep. Yeah.\n\nYeah. Okay. Yeah. Yeah. Sounds good, mate.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Gotcha. Yes. K. Hold on.\n\nOkay. Okay. Mhmm. Mhmm. But, yeah, it's not.\n\nDefinitely. Yeah. Choosing to hear... Tell you what's going on and then you to understand and sort of have a bit of a plan... An action plan, you know what I mean, to move forward.\n\nSo... No. Definitely. That's fine. Yeah.\n\nYeah. I don't wanna waste any amount of time. I mean, yeah, I've got a lot on my plate between now and Christmas to to get sorted, and I'm gonna be doing doing a lot with my account and everything to... Along the way. So, yeah, we can do...\n\nYeah. We can... I don't know. Something... I I don't know.\n\nWhat do you think? Do you think it's gonna need or just think... Wait till next year? Yep. Yeah.\n\nOkay. So it's really something something next year I'll do. Yeah. That's fine. No.\n\nNo, mate. No. I think I'm thinking we're right there. Perfect. Thank you very much.\n\nSorry. Thanks, man. Bye bye. You too. Bye.","paragraphs":[{"sentences":[{"text":"No worries, mate.","start":6.8799996,"end":7.6,"sentiment":"neutral","sentiment_score":0.18149892489115396},{"text":"Sorry.","start":7.6,"end":7.8399997,"sentiment":"neutral","sentiment_score":-0.08216714859008789},{"text":"I missed you.","start":7.8399997,"end":8.4,"sentiment":"neutral","sentiment_score":-0.1661324923237165},{"text":"I I tried to answer when it's called.","start":8.4,"end":9.84,"sentiment":"neutral","sentiment_score":-0.1458522416651249},{"text":"I just cut up and then it missed it, and then that was it.","start":9.84,"end":13.455,"sentiment":"neutral","sentiment_score":-0.15874986350536346}],"sentiment":"neutral","sentiment_score":-0.11811668528565045,"num_words":29,"start":6.8799996,"end":13.455},{"sentences":[{"text":"Now I only just seen a text message to ring back.","start":13.455,"end":16.035,"sentiment":"neutral","sentiment_score":-0.020893072540109806},{"text":"Yep.","start":33.54,"end":34.04,"sentiment":"neutral","sentiment_score":0.15292130410671234},{"text":"Yeah.","start":44.004997,"end":44.245,"sentiment":"neutral","sentiment_score":0.02473754435777664},{"text":"Just...","start":44.245,"end":44.485,"sentiment":"neutral","sentiment_score":0.01096947118639946},{"text":"Yep.","start":44.485,"end":44.725,"sentiment":"neutral","sentiment_score":0.034051984548568726}],"sentiment":"neutral","sentiment_score":-0.0004762329161167145,"num_words":15,"start":13.455,"end":44.725},{"sentences":[{"text":"Whatever.","start":44.725,"end":45.125,"sentiment":"neutral","sentiment_score":0.023572888225317},{"text":"Let's say there's 80, mate.","start":45.125,"end":46.165,"sentiment":"neutral","sentiment_score":0.03167420700192451},{"text":"Yeah.","start":46.165,"end":46.665,"sentiment":"neutral","sentiment_score":0.11377884447574615},{"text":"Well, since in the last six months, I've started my own business.","start":54.644997,"end":62.760002,"sentiment":"neutral","sentiment_score":-0.0984791349619627},{"text":"So I left old business, started new business.","start":63.46,"end":66.76,"sentiment":"neutral","sentiment_score":-0.14251252356916666}],"sentiment":"neutral","sentiment_score":-0.07504174223652592,"num_words":27,"start":44.725,"end":66.76},{"sentences":[{"text":"And, basically, I haven't been paying super because I've started a new business, so I haven't been paying myself a wage.","start":67.94,"end":75.954994,"sentiment":"neutral","sentiment_score":-0.2030968318382899},{"text":"So that...","start":76.575,"end":77.134995,"sentiment":"neutral","sentiment_score":-0.07957744970917702},{"text":"That's sort of, like, the big change in my life because, basically, before that, I was on wages for twenty three years now and 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yeah, I I I filled them in.","start":106.685005,"end":113.085,"sentiment":"neutral","sentiment_score":0.030092614702880383},{"text":"I said I've I've, yeah, new new business, and I've and I've changed new house as well in the last six months.","start":113.085,"end":119.329994,"sentiment":"neutral","sentiment_score":0.04725957505235618},{"text":"Old income, mate.","start":137.655,"end":138.695,"sentiment":"neutral","sentiment_score":-0.02373829980691274}],"sentiment":"neutral","sentiment_score":0.01781000379872109,"num_words":56,"start":104.205,"end":138.695},{"sentences":[{"text":"Yeah.","start":138.695,"end":139.195,"sentiment":"neutral","sentiment_score":0.004950378555804491},{"text":"Yep.","start":139.895,"end":140.395,"sentiment":"neutral","sentiment_score":0.02362033724784851},{"text":"Probably between now and the next financial, there will be a buggerable income, basically.","start":147.79,"end":155.81,"sentiment":"neutral","sentiment_score":-0.06914974669260639},{"text":"So I I won't be paying myself a wage just, yeah, to try and get the the business off the ground and trying to just survive on, you know, savings.","start":157.36499,"end":172.08,"sentiment":"neutral","sentiment_score":-0.06802263806263606},{"text":"And...","start":173.58,"end":174.08,"sentiment":"neutral","sentiment_score":-0.0229349285364151}],"sentiment":"neutral","sentiment_score":-0.06389659166613475,"num_words":47,"start":138.695,"end":174.08},{"sentences":[{"text":"Yeah.","start":174.78,"end":175.02,"sentiment":"neutral","sentiment_score":-0.007379358634352684},{"text":"And then hopefully...","start":175.02,"end":175.92,"sentiment":"neutral","sentiment_score":-0.007886397652328014},{"text":"Well, before...","start":175.98,"end":176.64,"sentiment":"neutral","sentiment_score":-0.01830959878861904},{"text":"Oh, so before the end of next financial, hopefully, everything's sorted, and I have structured it that I can be paying myself a 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good.","start":273.545,"end":274.105,"sentiment":"positive","sentiment_score":0.648796796798706},{"text":"Right?","start":274.105,"end":274.605,"sentiment":"positive","sentiment_score":0.4610682725906372},{"text":"As in what as in what there is or what there...","start":289.30002,"end":292.52002,"sentiment":"neutral","sentiment_score":-0.06054858355359598}],"sentiment":"neutral","sentiment_score":0.10477505694143474,"num_words":16,"start":271.4,"end":292.52002},{"sentences":[{"text":"Or what is going...","start":292.66,"end":293.54,"sentiment":"neutral","sentiment_score":-0.0472339978441596},{"text":"What we're spending?","start":293.54,"end":294.36002,"sentiment":"neutral","sentiment_score":-0.06867324312527974},{"text":"What?","start":294.58002,"end":295.08002,"sentiment":"neutral","sentiment_score":-0.06326095014810562},{"text":"What is it?","start":295.30002,"end":296.2,"sentiment":"neutral","sentiment_score":-0.10379392902056377},{"text":"There was about forty k when I first started, and that was to do with, yeah, my entitlements and stuff from work, from my old employee employment.","start":302.175,"end":315.715,"sentiment":"neutral","sentiment_score":-0.06345246069961125}],"sentiment":"neutral","sentiment_score":-0.06533723412767838,"num_words":38,"start":292.66,"end":315.715},{"sentences":[{"text":"So I had about 40 k because I...","start":317.51,"end":319.75,"sentiment":"neutral","sentiment_score":-0.12034160178154707},{"text":"Yeah.","start":319.75,"end":319.99,"sentiment":"neutral","sentiment_score":-0.09425963461399078},{"text":"I had to ask those questions to my account.","start":319.99,"end":321.67,"sentiment":"neutral","sentiment_score":-0.18174243883954155},{"text":"I said, how am I gonna survive?","start":321.67,"end":322.71002,"sentiment":"neutral","sentiment_score":-0.23550809919834137},{"text":"You know?","start":322.71002,"end":323.27,"sentiment":"neutral","sentiment_score":-0.1119103953242302}],"sentiment":"neutral","sentiment_score":-0.16907599568367004,"num_words":27,"start":317.51,"end":323.27},{"sentences":[{"text":"Like, and then it was, well, yeah, you gotta try and survive off them, and then and then we'll look at it when that runs out.","start":323.27,"end":330.15,"sentiment":"neutral","sentiment_score":-0.0456107548939494},{"text":"You know what I mean?","start":330.15,"end":331.03,"sentiment":"neutral","sentiment_score":-0.026120273396372795},{"text":"So...","start":331.03,"end":331.53,"sentiment":"neutral","sentiment_score":-0.02289995923638344},{"text":"That's...","start":332.29498,"end":332.535,"sentiment":"neutral","sentiment_score":-0.06638965010643005},{"text":"I think there was...","start":332.535,"end":333.815,"sentiment":"neutral","sentiment_score":-0.062132044695317745}],"sentiment":"neutral","sentiment_score":-0.0447107779013144,"num_words":37,"start":323.27,"end":333.815},{"sentences":[{"text":"You know, there's, like, half of that's gone.","start":333.815,"end":335.495,"sentiment":"neutral","sentiment_score":-0.1159676993265748},{"text":"There's, like, 29 left there.","start":335.495,"end":337.335,"sentiment":"neutral","sentiment_score":-0.0854116939008236},{"text":"So...","start":337.335,"end":337.655,"sentiment":"neutral","sentiment_score":-0.027064748108386993},{"text":"Yeah.","start":337.655,"end":337.975,"sentiment":"neutral","sentiment_score":-0.025636838749051098},{"text":"I I sort of said to my account, so I I think with supporting myself, my wife, and my three children and and everything, mortgage and and everything 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mate.","start":1231.37,"end":1232.17,"sentiment":"positive","sentiment_score":0.6191923022270203}],"sentiment":"neutral","sentiment_score":0.33036239232335773,"num_words":7,"start":1228.65,"end":1232.17},{"sentences":[{"text":"Yeah.","start":1232.17,"end":1232.67,"sentiment":"positive","sentiment_score":0.4108746349811554},{"text":"Yep.","start":1243.77,"end":1244.145,"sentiment":"neutral","sentiment_score":-0.0038738176226615906},{"text":"Yep.","start":1247.105,"end":1247.605,"sentiment":"neutral","sentiment_score":0.01169644109904766},{"text":"Yep.","start":1264.15,"end":1264.65,"sentiment":"neutral","sentiment_score":0.00025503337383270264},{"text":"Yep.","start":1275.765,"end":1276.005,"sentiment":"neutral","sentiment_score":0.08538966625928879}],"sentiment":"neutral","sentiment_score":0.10086839161813259,"num_words":5,"start":1232.17,"end":1276.005},{"sentences":[{"text":"Yep.","start":1276.005,"end":1276.3251,"sentiment":"neutral","sentiment_score":0.10450005531311037},{"text":"Gotcha.","start":1276.3251,"end":1276.8251,"sentiment":"neutral","sentiment_score":0.24129509925842285},{"text":"Yes.","start":1302.42,"end":1302.795,"sentiment":"neutral","sentiment_score":0.13919569551944733},{"text":"K.","start":1302.9551,"end":1303.1951,"sentiment":"neutral","sentiment_score":0.12462624907493591},{"text":"Hold 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not.","start":1339.845,"end":1340.8049,"sentiment":"neutral","sentiment_score":-0.16676820442080498}],"sentiment":"neutral","sentiment_score":-0.07845355221070349,"num_words":8,"start":1324.7401,"end":1340.8049},{"sentences":[{"text":"Definitely.","start":1340.8049,"end":1341.3049,"sentiment":"neutral","sentiment_score":-0.05281081423163414},{"text":"Yeah.","start":1342.405,"end":1342.74,"sentiment":"neutral","sentiment_score":-0.00956616923213005},{"text":"Choosing to hear...","start":1343.22,"end":1344.6,"sentiment":"neutral","sentiment_score":-0.004720223446687062},{"text":"Tell you what's going on and then you to understand and sort of have a bit of a plan...","start":1344.82,"end":1349.32,"sentiment":"neutral","sentiment_score":-0.017100027517268534},{"text":"An action plan, you know what I mean, to move forward.","start":1350.1,"end":1352.34,"sentiment":"neutral","sentiment_score":0.05134921758012338}],"sentiment":"neutral","sentiment_score":0.004668663335697991,"num_words":35,"start":1340.8049,"end":1352.34},{"sentences":[{"text":"So...","start":1352.34,"end":1352.66,"sentiment":"neutral","sentiment_score":0.02768346481025219},{"text":"No.","start":1352.66,"end":1352.82,"sentiment":"neutral","sentiment_score":-0.0565519817173481},{"text":"Definitely.","start":1352.82,"end":1353.32,"sentiment":"neutral","sentiment_score":0.09342988580465315},{"text":"That's fine.","start":1353.38,"end":1354.12,"sentiment":"positive","sentiment_score":0.3550288677215576},{"text":"Yeah.","start":1369.87,"end":1370.37,"sentiment":"neutral","sentiment_score":0.07557649910449982}],"sentiment":"neutral","sentiment_score":0.14169926724086204,"num_words":6,"start":1352.34,"end":1370.37},{"sentences":[{"text":"Yeah.","start":1370.67,"end":1370.8301,"sentiment":"neutral","sentiment_score":0.06996133923530579},{"text":"I don't wanna waste any amount of time.","start":1370.8301,"end":1373.31,"sentiment":"neutral","sentiment_score":-0.2431292487308383},{"text":"I mean, yeah, I've got a lot on my plate between now and Christmas to to get sorted, and I'm gonna be doing doing a lot with my account and everything to...","start":1373.31,"end":1380.67,"sentiment":"neutral","sentiment_score":0.02470136601186823},{"text":"Along the way.","start":1380.67,"end":1381.4701,"sentiment":"neutral","sentiment_score":0.0350962628920873},{"text":"So, yeah, we can do...","start":1381.4701,"end":1383.795,"sentiment":"neutral","sentiment_score":0.06245037466287613}],"sentiment":"neutral","sentiment_score":-0.013614046453897442,"num_words":49,"start":1370.67,"end":1383.795},{"sentences":[{"text":"Yeah.","start":1384.175,"end":1384.415,"sentiment":"neutral","sentiment_score":-0.008414873853325844},{"text":"We can...","start":1384.415,"end":1384.895,"sentiment":"neutral","sentiment_score":-0.035585472360253334},{"text":"I don't know.","start":1384.895,"end":1385.535,"sentiment":"neutral","sentiment_score":-0.09375981986522675},{"text":"Something...","start":1385.535,"end":1386.035,"sentiment":"neutral","sentiment_score":-0.12719058990478516},{"text":"I I don't know.","start":1387.375,"end":1387.935,"sentiment":"neutral","sentiment_score":-0.12273725122213364}],"sentiment":"neutral","sentiment_score":-0.08900044299662113,"num_words":11,"start":1384.175,"end":1387.935},{"sentences":[{"text":"What do you think?","start":1387.935,"end":1388.495,"sentiment":"neutral","sentiment_score":-0.06789564248174429},{"text":"Do you think it's gonna need or just think...","start":1388.495,"end":1390.3351,"sentiment":"neutral","sentiment_score":-0.052337499956289925},{"text":"Wait till next year?","start":1390.3351,"end":1391.4751,"sentiment":"neutral","sentiment_score":-0.14898594096302986},{"text":"Yep.","start":1400.86,"end":1401.36,"sentiment":"neutral","sentiment_score":0.030678045004606247},{"text":"Yeah.","start":1412.755,"end":1412.995,"sentiment":"neutral","sentiment_score":0.04813775420188904}],"sentiment":"neutral","sentiment_score":-0.0663025281146953,"num_words":19,"start":1387.935,"end":1412.995},{"sentences":[{"text":"Okay.","start":1412.995,"end":1413.155,"sentiment":"neutral","sentiment_score":-0.017792191356420517},{"text":"So it's really something something next year I'll do.","start":1413.155,"end":1416.275,"sentiment":"positive","sentiment_score":0.4592426055007511},{"text":"Yeah.","start":1416.275,"end":1416.6749,"sentiment":"positive","sentiment_score":0.39042291045188904},{"text":"That's fine.","start":1416.6749,"end":1417.495,"sentiment":"positive","sentiment_score":0.5070974975824356},{"text":"No.","start":1423.5549,"end":1423.875,"sentiment":"neutral","sentiment_score":-0.18248091638088224}],"sentiment":"positive","sentiment_score":0.3812520176704441,"num_words":14,"start":1412.995,"end":1423.875},{"sentences":[{"text":"No, mate.","start":1423.875,"end":1424.355,"sentiment":"neutral","sentiment_score":-0.17877861112356186},{"text":"No.","start":1424.355,"end":1424.515,"sentiment":"neutral","sentiment_score":-0.19638848304748535},{"text":"I think I'm thinking we're right there.","start":1424.515,"end":1426.215,"sentiment":"neutral","sentiment_score":-0.0484361999801227},{"text":"Perfect.","start":1440.1,"end":1440.4199,"sentiment":"positive","sentiment_score":0.8364822268486023},{"text":"Thank you very much.","start":1440.4199,"end":1441.14,"sentiment":"positive","sentiment_score":0.8428797870874405}],"sentiment":"neutral","sentiment_score":0.22100015133619308,"num_words":15,"start":1423.875,"end":1441.14},{"sentences":[{"text":"Sorry.","start":1441.14,"end":1441.64,"sentiment":"positive","sentiment_score":0.4221656620502472},{"text":"Thanks, man.","start":1446.355,"end":1447.075,"sentiment":"positive","sentiment_score":0.6956709623336792},{"text":"Bye bye.","start":1447.075,"end":1447.475,"sentiment":"positive","sentiment_score":0.40858641266822815},{"text":"You too.","start":1447.475,"end":1447.875,"sentiment":"positive","sentiment_score":0.3821690231561661},{"text":"Bye.","start":1447.875,"end":1448.375,"sentiment":"neutral","sentiment_score":0.2521185576915741}],"sentiment":"positive","sentiment_score":0.455892127007246,"num_words":8,"start":1441.14,"end":1448.375}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Matt. You're through to Tommy, senior adviser, mate. Thank you so much for calling back in.\n\nChannel 1: No worries, mate. Sorry. I missed you. I I tried to answer when it's called. I just cut up and then it missed it, and then that was it.\n\nNow I only just seen a text message to ring back.\n\nChannel 0: That's no worries at all. It's always just that last ring or two that misses it, but we've got each other now. Mate, I'm just basically gonna go through a bit of an annual review with you just kind of update what's going on in the world and if we need to change anything with the super there, update a few details as well. I've got\n\nChannel 1: Yep.\n\nChannel 0: a bit of an email pack to send out through to you. I'm just wondering if you'll be able to, like, look onto the pack with me today, or should I just give you a bit of a walk through?\n\nChannel 1: Yeah. Just... Yep. Whatever. Let's say there's 80, mate.\n\nYeah.\n\nChannel 0: Cool. Is there anything in particular that you want me to focus on for this review? Anything that's happening in your world?\n\nChannel 1: Well, since in the last six months, I've started my own business. So I left old business, started new business. And, basically, I haven't been paying super because I've started a new business, so I haven't been paying\n\nChannel 0: Yep.\n\nChannel 1: myself a wage. So that... That's sort of, like, the big change in my life because, basically, before that, I was on wages for twenty three years now and then. So...\n\nChannel 0: Yeah.\n\nChannel 1: And that's sort of the... If there's any sort of change to discuss on that part with how that sort of, you know, affects moving forward. Yeah.\n\nChannel 0: Absolutely. And just quickly as well, so with the the email address and everything, we still have everything under WAM still. Is that the the business,\n\nChannel 1: No.\n\nChannel 0: or\n\nChannel 1: That...\n\nChannel 0: is that\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: That's\n\nChannel 0: old?\n\nChannel 1: a new... I only changed that in the last week. So when when\n\nChannel 0: Yep.\n\nChannel 1: when you guys called to book this in, I\n\nChannel 0: Yep.\n\nChannel 1: said, yeah, I I I filled them in. I said I've I've, yeah, new new business, and I've and I've changed new house as well in the last six months.\n\nChannel 0: Perfect. So I can see a few details have been updated. We've got Luscombe Drive as well. That's all in there. The...\n\nJust in terms of a couple of things with the employment side of things, I'm seeing an income of about 170,000 there. Was that the old income or what you're currently\n\nChannel 1: Old income,\n\nChannel 0: sort of\n\nChannel 1: mate.\n\nChannel 0: working\n\nChannel 1: Yeah.\n\nChannel 0: on? Old income.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Do you have a bit of an idea of what you're gonna be looking like the next twelve months?\n\nChannel 1: Probably between now and the next financial, there will be a buggerable income, basically.\n\nChannel 0: Yeah.\n\nChannel 1: So I I won't be paying myself a wage just, yeah, to try and get the the business off the ground and trying to just survive on, you know, savings. And... Yeah. And then hopefully... Well, before...\n\nOh, so before the end of next financial, hopefully, everything's sorted, and I have structured it that I can be paying myself a wage. But as far as then get paying myself in super, that's that's not... Don't happen for a while, I wouldn't say, in 2026 anyway.\n\nChannel 0: Yeah. Yeah. And it's pretty common. Like, to be honest, a lot of our clients that go self employed usually spend at least the first one to three years just getting a handle on, you know, the taxes, the the activity statements, GST, all that kind of thing. And then\n\nChannel 1: Yep.\n\nChannel 0: once\n\nChannel 1: Yep.\n\nChannel 0: it kind of settles down, then wages start to come into play and contributions a little bit later on as well.\n\nChannel 1: Yeah. Okay. Cool. Sounds good.\n\nChannel 0: Now if it ever comes to the point where you're looking to do any contributions, there's kind of two ways to do it. Once you've got the wages going, you'd generally just pay employer contributions as if you're your own, you know, salaried employee. In\n\nChannel 1: Yep.\n\nChannel 0: between now and then, anytime we need to do a contribution, it's pretty common for self employed like tradies to do a contribution at the end of financial year where they go, okay. All this cash is built up. I'm looking at this much in taxes. I might throw $510 in super. And then what we basically do is, like, a BPAY or EFT and a\n\nChannel 1: Yep.\n\nChannel 0: bit of a form called a notice of intent to claim to claim it as a tax deduction.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So we'll keep an eye on how things change over the next few years with you. In the interim, any new plans or changes that I do, I'm just gonna base projections off as if there's no contributions for the time\n\nChannel 1: Yep.\n\nChannel 0: being.\n\nChannel 1: Yep. Yep. Yep. Yep.\n\nChannel 0: That sound alright?\n\nChannel 1: Yep. Sounds good. Right?\n\nChannel 0: Perfect. I'm pretty much just gonna put a flag on the income kind of things until we can get a handle on that too. You did mention that you're you're kind of living off savings. I'm just wondering if I could just note down a rough figure for your assets for the savings.\n\nChannel 1: As in what as in what there is or what there... Or what is going... What we're spending? What?\n\nChannel 0: More...\n\nChannel 1: What is it?\n\nChannel 0: What sort of lump sum savings you're kind of drawing down on to to sort of survive on at the\n\nChannel 1: There was about forty k when I first started, and that was to do with, yeah, my entitlements and stuff\n\nChannel 0: moment?\n\nChannel 1: from work,\n\nChannel 0: Yep.\n\nChannel 1: from my old employee employment.\n\nChannel 0: Oh, yeah. Yep.\n\nChannel 1: So\n\nChannel 0: Leaving\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: had\n\nChannel 0: such.\n\nChannel 1: about 40 k because I... Yeah. I had to ask those questions to my account. I said, how am I gonna survive? You know?\n\nLike, and then it was, well, yeah, you gotta try and survive off them, and then and then we'll look at it when that runs out. You know what I mean? So... That's... I think there was...\n\nYou know, there's, like, half of that's gone. There's, like, 29 left there. So... Yeah. I I sort of said to my account, so I I think with supporting myself, my wife, and my three children and and everything, mortgage and and everything else.\n\nLike I said, I don't see them them funds, you know, much being left after the end of November. You know? And I said, yeah. Okay. We'll we'll just look at it closer to, say, how you going?\n\nAnd then look at then drawing from the business to, you know, keep you, you know, stable, and then we'll just... Yeah. Like like, they're just gonna sort of tell me what to do in a way.\n\nChannel 0: Yeah. Yeah. I'm just taking a few notes down for that as well. So just in terms of, like, assets and everything, the the property that we had noted down, so you're using that savings to also pay, like, mortgage repayments as well?\n\nChannel 1: Yep. But I've moved here from the last six months.\n\nChannel 0: Yep. And that's that's 3 Lost Home Drive. Correct?\n\nChannel 1: Yes. Moved to 3 Laskin Drive. Yep.\n\nChannel 0: K. So if I do a quick little check on that one online, they're saying it's probably worth about 1.6 at the moment. Does that sound correct?\n\nChannel 1: Yeah. I paid 1.65.\n\nChannel 0: Or I'll put in $16.50 there. And can I just quickly take down how much you've got owing approximately just to to update that?\n\nChannel 1: I think it's about a mil. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I think. Yep.\n\nChannel 0: He's done.\n\nChannel 1: Yep.\n\nChannel 0: Mill flat. And outside of that in the Kia Sorento, any other assets or liabilities floating around?\n\nChannel 1: Not not not not not really. No.\n\nChannel 0: Perfect. So I've got the savings, the home. And in terms of the the business side of things, so is that essentially doing the, like, steel supply? You're the director of the company, obviously. Do you\n\nChannel 1: Yes.\n\nChannel 0: do anything\n\nChannel 1: Still manufacturing.\n\nChannel 0: on...\n\nChannel 1: Yep.\n\nChannel 0: Do you... In terms of the factory floor, do you do any on the tools, or is it more just operating machinery? I know most of it's in office.\n\nChannel 1: No. Yeah. I'm still... Yeah. I've gone gone, like, sort of not so much fifty fifty, maybe seventy thirty.\n\nI'm sort of I suppose I'm a tool. I call it tools. You're out with the boys a bit. You know what I mean? I've only got a crew of four four guys.\n\nSo I went from time to, like, when I was director of that business. So we have 30 employees at one point. You know what I mean? So\n\nChannel 0: Yeah.\n\nChannel 1: just got... Just started up a smaller business, trying to structure it a bit better that... Yeah. A lot of outsourcing and stuff. So, yeah, sort of using all my experience and knowledge into, you know, being more like a builder in a way.\n\nLike, yeah. So, yeah, I only have a few heads, you know, under the Landstuhl banner, but then also using subcontractors and stuff to, you know, still achieve, you know, the jobs, get the jobs, and get the jobs on the line. Yeah.\n\nChannel 0: Yep. Few surveys as well. I'm just thinking for... But just before I jump into the super side of things, the insurances that you've got, I don't know if you remember that Neos policy that was put in place.\n\nChannel 1: Yes.\n\nChannel 0: What I'm sort of thinking for that one is the income protection. So the way that works is because it's an indemnity policy, when you go to claim on insurance, you know, you're at work for six months, that kind of thing, They're going to essentially go, you know, hand in your twelve month income, which at this point might be a combination of the previous job plus what's going on inside the business for the p and l's profit and loss statements.\n\nChannel 1: Mhmm.\n\nChannel 0: The questions that they would also ask, for example, like, if you went on claim is would the income continue to you if you were injured or ill? Like, for example, let's say the four guys that work for you continue to generate all the income, and you could just draw down income and you'd be fine indefinitely. There's no lost income there, but it doesn't sound like that's the case for you. You're at that start up point where if you're\n\nChannel 1: Yes.\n\nChannel 0: not\n\nChannel 1: No\n\nChannel 0: working,\n\nChannel 1: change.\n\nChannel 0: income's not coming in.\n\nChannel 1: Mate, even if I was six years in, there's no... The business won't survive if if I wasn't around. So it's... Yeah. Just the full guy.\n\nThey're only... They're as good as they are. It's not... They still need their their their boss to to bring in the work, manage the work. You know what I mean?\n\nSo it's just... It it wouldn't it wouldn't survive, no, if I wasn't around.\n\nChannel 0: Yep. So what you've essentially got is income protection that's paid out until June of next year, already kind of paid for. There may be a need to kind of alter that at some point because, obviously, we don't want you paying for something you can't claim on.\n\nChannel 1: Yep.\n\nChannel 0: And I'm just thinking figures wise. So if I go $963.02 is what you're insured for per month, and that's a 70% policy. So I'm basically just gonna do a quick little work back just to see what it's looking like. So it's protecting an income of 165,000, slowly depleting down. Let...\n\nLet's say you never drew anything from the business for twelve months. That equivalent would go down from $1.65 and slowly whittle down over a twelve month period. So what my question is, do we do any alterations to the policy now, or do we kind of touch base around the end of financial year, see how the business is going, and see if we need to do any trimming down alterations at that point?\n\nChannel 1: Yeah. Probably the second what you said. Because end of the day, like, I... I'm gonna have to draw money. Like, I can't survive off nothing.\n\nYou know what I mean?\n\nChannel 0: Yep.\n\nChannel 1: Like, my new mortgage\n\nChannel 0: So it'll\n\nChannel 1: is\n\nChannel 0: be an\n\nChannel 1: $600\n\nChannel 0: income coming\n\nChannel 1: a\n\nChannel 0: there.\n\nChannel 1: week. You know what\n\nChannel 0: Yeah.\n\nChannel 1: I mean?\n\nChannel 0: Jeez.\n\nChannel 1: So I've got three children, you know, like like that, you know, and now they're not just, like, normal bills and food. Like, the amount of bloody sports and bloody rep competitions and bloody everything. You know what I mean? You pay every fee. There's another 1,200 here for a rep bloody registration and all...\n\nYou know, like, there's that much money. Yeah. It's not that nothing's shared in my... In my life at the minute. That's for sure.\n\nChannel 0: And so what you're telling\n\nChannel 1: It's...\n\nChannel 0: me is it's pretty important to protect the income. As soon as it's sort of rolling and built, you need to make sure you don't lose it too.\n\nChannel 1: Yes. Yes. 100%. 100%, mate.\n\nChannel 0: K.\n\nChannel 1: But I... Yeah. I would say there's not... There's something has to keep. So come end of November, going into December, into Christmas.\n\nLike, I have better discussions I've had with my accountant. It'll be that, yeah, right over, what are we doing? Like, I have to start drawing money because there's not money sitting there, you know, to to to live up, to pay the bills. You know? So\n\nChannel 0: Yeah.\n\nChannel 1: there would definitely be how that next... It's gonna be a mess, I reckon, and that's why I'm glad because my accountants have been my business advisers as well. Like, they're the ones that have structured my business and set it up for me. So I think they know\n\nChannel 0: Yeah.\n\nChannel 1: what's coming. Like, they may know more about that stuff than me because come next financial year, working out all that paperwork with all what's coming and what's going out and and and, you know, that... That's that's gonna be a bit of a mess, I would say. Yeah.\n\nChannel 0: Yeah. Absolutely. What I'm sort of thinking is that we basically just need to... You'll have a pretty good idea by, like, May, June as well. So what I'm basically gonna pencil in is a bit of a catch up around early May just to\n\nChannel 1: Yep.\n\nChannel 0: sort of\n\nChannel 1: Yep.\n\nChannel 0: see how the the cash flow is going. If you have any sort of profit and loss statements generated at that time, I can use them for the financial planning for the personal side of things.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And that's with regards to the super, the insurances, anything for budgeting, debt management, We can use it for everything\n\nChannel 1: Yep.\n\nChannel 0: and almost kinda link in together as a bit of a triangle. One thing I will\n\nChannel 1: Yep.\n\nChannel 0: let you know as well, 1,700,000 worth of life insurance and disability insurance to clear the mortgage, set the family up.\n\nChannel 1: Yeah.\n\nChannel 0: So, obviously, in the interim, while there's no contributions going into super, the fees, the premiums are gonna have a bit of an impact. Normally speaking, your portfolio being that sort of high growth, it'd kind of be able to handle itself for a couple of years.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Twenty four months, three years max, where, you know, if you get a 10% return, you're sitting at 312,000. 30,000 worth of return coming in is more gonna offset any kind of fees and premiums and still grow.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: So we pretty much gotta keep it as high growth as possible for as long as possible. And then once cash flow rolls, we can do some updated retirement projections and see if we need to alter it from there, if that sounds alright.\n\nChannel 1: Yes. Okay. Okay.\n\nChannel 0: K. So because, ultimately, like, you know how we deal with the retirement side of things, we're aiming for that kind of early retirement, age 60. It's like you gotta build the business up, pay off the mortgage, but then also be able to sit at 60, hang up the boots, and and spend time with family if that rings\n\nChannel 1: Yep.\n\nChannel 0: a bell as well. So the way I kinda look at it, we've got...\n\nChannel 1: Yep.\n\nChannel 0: We still got a good twenty years to get the growth out of it. Usually, three years to build up the business side of things, seventeen years to kind of accelerate the growth of the super, so ten years of of huge growth, seven years of then reducing your risk down in the lead up to age 60. So your life's kind of split in between what happens the next three to five years, the decade after that to make all the money, and then that last little seven years where you start to slow things down and transition off of it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So I'm basically gonna update the the goals in your your system with us to sort of say, build up the business, get a handle on the cash flow and the mortgage. In a couple of years' time, restart contributions to super, build those assets up, and then pay off that million dollars worth of mortgage. Is there anything else that you sort of can mix into the plans there that you want to factor in, or is it really just business, mortgage, retirement?\n\nChannel 1: Yeah. No. No. It's just been my... Yes.\n\nThis year's been pretty busy for us to be honest because...\n\nChannel 0: I can imagine.\n\nChannel 1: Yeah, when we when we bought the house, it was it was the start of February when we bought it. And then I didn't know what was that was me thinking that I was just gonna be staying working at KMT. You know? So\n\nChannel 0: Yeah.\n\nChannel 1: that then happened about three months later, and we hadn't even moved into the house. So we had a four month settlement, and then we moved it back two months to then match the settlement on ours. So it was six months settlement all up, and all the business stuff started happening halfway through. So it was actually... Yeah.\n\nA lot of sleepless nights, but that was... Yeah. Definitely wouldn't go through either one of them per year, let alone two. You know? So\n\nChannel 0: Is it\n\nChannel 1: that's\n\nChannel 0: feeling\n\nChannel 1: been\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: little\n\nChannel 1: biggest\n\nChannel 0: bit more\n\nChannel 1: changes.\n\nChannel 0: stable now?\n\nChannel 1: Yeah. For sure. Yeah. I've had this business going for a little bit now and, yeah, starting to get on top of everything. But, yeah, that is definitely a stress point of mine.\n\nWe're just making sure there's money there to, yeah, live, pay the mortgage, and live, and everything else. You know? So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, business as far as, yeah, work coming in and and and all that far, it's starting to, yeah, get on its get on its feet and definitely definitely move forward in the right in the right direction. But that's not from, you know, being lazy either. That's from doing proper twelve hours a day and then going home and a laptop for another two hours. You know? So it's...\n\nI've definitely been pushing myself to to make it all happen.\n\nChannel 0: Yeah. Absolutely. So our kind of role alongside you is not just the super guys. Once things settle down, we're basically gonna touch back around how to do the cash flow side of things, the debt management. Anything you need for the accounting side of things, let us know, and we can kind of work out some updated plans next year, the year after, and really just accelerate things.\n\nBecause once... Like, we've got a lot of guys that, you know, built up NDIS businesses, trades businesses, and the like. And once the cash flow starts rolling, it's just about let's direct that to to knock those goals out in a smart way as well.\n\nChannel 1: Yep. That's okay.\n\nChannel 0: K. So one... A couple of things I'll quickly check with you before I let you go is just in terms of the super. What I'm kind of seeing at the moment is I believe you've been on board with us for a couple of years now\n\nChannel 1: Yep.\n\nChannel 0: or at least in the hub twenty four since 2024. So it's been two year mark. Obviously, contributions have just stopped. That's fair enough. Basically, in terms of the return side of things, that high growth profile I mentioned before, 90% shares property in gold, 10% on the safer side of things.\n\nWe need to be hitting around about 10% returns to keep the super growing, offset fees, and make sure you're still on track, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: You're kind of sitting out over the two years. Let's have a look here. 29% returns over the twenty four months. So you're still clearing well over 14% per annum over the two years averaged out, and that's the stock market dropping one, two, three, four times in two years.\n\nChannel 1: Yep. I can.\n\nChannel 0: Last twelve months is a little bit more flat because the world exploded. So I'm just having a look here. You're still up in the positive, which is good. Bear in mind, some years when there's no contributions and the stock market plummets, that 312,000 you've got, that might go down to $2.70 and then be 400,000 eighteen months later.\n\nChannel 1: Yeah. I kinda... Yep. Yep.\n\nChannel 0: So I'm just kind of warning you of the roller coaster ride because you've built up a pretty big balance now. Any\n\nChannel 1: Yep.\n\nChannel 0: percentage move in the stock market, property market, gold market, that's gonna reflect a pretty big balance on your super account.\n\nChannel 1: Yep. I can. Yep.\n\nChannel 0: K? So what I'm gonna do, if this is okay with you, is I'm gonna keep an eye on the portfolio between now and our next catch up. And then basically, there's eight options in there. Most of them have done pretty much everything that we want them to do. There's one there that's a bit of a concern, a Bennelong option, which has kind of been dragging its feet a little bit.\n\nWhat I would like\n\nChannel 1: Mhmm.\n\nChannel 0: to do is, let's say, around May, we catch back up again. If that hasn't picked its feet, I'm gonna do a bit of a tune up of the portfolio and switch a couple of options around. At\n\nChannel 1: Yep.\n\nChannel 0: the same time, we talk about the insurances, see if we need to tweak it, and at the same time, talk about anything you need for the tax season as well.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Is that\n\nChannel 1: Yeah.\n\nChannel 0: alright?\n\nChannel 1: Yeah. Sounds good, mate. Yeah.\n\nChannel 0: Cool. I'm not gonna update income at the moment. Just leave that flat as is. Estate planning wise, we still have the beneficiary listed as Leanne. So I'm assuming\n\nChannel 1: Yep.\n\nChannel 0: no changes for that for the super or the life insurance.\n\nChannel 1: Yep.\n\nChannel 0: Probably not the top of your priority list while you're trying to build a business, but putting in place a will and a power of attorney as you start growing the business assets, personal assets, investment assets, there will be a deeper conversation around estate planning, business succession,\n\nChannel 1: Yep.\n\nChannel 0: how does that pass on, how does the assets pass on. So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established.\n\nChannel 1: Yep. Yep. Gotcha.\n\nChannel 0: Cool. Outside of that, I've got a bit of a pack to send through to you for the review just with updated figures, certificate of currency for your insurance. So if anything does happen health wise, you know what you've got, we can help you with the claim, service guides with us, performance reports, all that kind of thing. Am I okay to send it through to the web still email that we've now got on file?\n\nChannel 1: Yes. K. Hold\n\nChannel 0: Perfect. There is a fee reduction\n\nChannel 1: on.\n\nChannel 0: with us as well. So normally, it's 1.65%, but we've added in tiered structure this year in the new service guide. So anyone above 200,000, you're sitting at $3.12. The percentage actually drops to 1.37. And then when you're above\n\nChannel 1: Okay.\n\nChannel 0: 0.5 a mil, it goes down to 1.1%. And then from 0.5 a mil onwards, there's another drop after that as well.\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Cool. I do need to ask you if you're still comfortable for us to kinda look after things for the time being.\n\nChannel 1: Mhmm. But, yeah, it's not. Definitely. Yeah. Choosing to hear...\n\nTell you what's going on and then you to understand and sort of have a bit of a plan... An action plan, you know what I mean, to move forward. So... No. Definitely.\n\nThat's fine.\n\nChannel 0: Awesome. Alright. So I'll leave that pack with you. Any questions, give us a buzz. Do you want me to pencil in any kind of catch ups before the end of the year or early in the New Year or just kind of wait until everything settles down from the cash flow and accounting side of things?\n\nChannel 1: Yeah. Yeah. I don't wanna waste any amount of time. I mean, yeah, I've got a lot on my plate between now and Christmas to to get sorted, and I'm gonna be doing doing a lot with my account and everything to... Along the way.\n\nSo, yeah, we can do... Yeah. We can... I don't know. Something...\n\nI I don't know. What do you think? Do you think it's gonna need or just think... Wait till next year?\n\nChannel 0: Realistically, if anything explodes Christmas time or in the New Year, we'll probably have to get in touch with you if the world kinda melts down.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, we basically just need to wait for paperwork and and paper trail to sort itself out, and then I can make some changes to the different products and strategies around end of financial year.\n\nChannel 1: Yeah. Okay. So it's really something something next year I'll do. Yeah. That's fine.\n\nChannel 0: Cool. I'm just gonna double check if there's anything else there, but any questions for me at this point?\n\nChannel 1: No. No, mate. No. I think I'm thinking we're right there.\n\nChannel 0: Cool. Well, you just keep looking after Leanne, Miles, Austin, and Winnie, and you've got a business to build and a mortgage to pay, so I won't be a burden in your side, mate. I'll just make sure that when things change, we've got some ideas and things to help you.\n\nChannel 1: Perfect. Thank you very much. Sorry.\n\nChannel 0: No worries at all, mate. Have a fantastic week, and I shall talk to you again soon.\n\nChannel 1: Thanks, man. Bye bye. You too. Bye.\n\nChannel 0: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Matt.","start":2.08,"end":3.04,"sentiment":"positive","sentiment_score":0.40736593802769977},{"text":"You're through to Tommy, senior adviser, mate.","start":3.04,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.3235773316451481},{"text":"Thank you so much for calling back in.","start":4.7999997,"end":6.5,"sentiment":"positive","sentiment_score":0.7138521447777748}],"sentiment":"positive","sentiment_score":0.510997571878963,"channel":0,"num_words":18,"start":2.08,"end":6.5},{"sentences":[{"text":"No worries, mate.","start":6.8799996,"end":7.6,"sentiment":"neutral","sentiment_score":0.18149892489115396},{"text":"Sorry.","start":7.6,"end":7.8399997,"sentiment":"neutral","sentiment_score":-0.08216714859008789},{"text":"I missed you.","start":7.8399997,"end":8.4,"sentiment":"neutral","sentiment_score":-0.1661324923237165},{"text":"I I tried to answer when it's called.","start":8.4,"end":9.84,"sentiment":"neutral","sentiment_score":-0.1458522416651249},{"text":"I just cut up and then it missed it, and then that was it.","start":9.84,"end":13.455,"sentiment":"neutral","sentiment_score":-0.15874986350536346}],"sentiment":"neutral","sentiment_score":-0.11811668528565045,"channel":1,"num_words":29,"start":6.8799996,"end":13.455},{"sentences":[{"text":"Now I only just seen a text message to ring back.","start":13.455,"end":16.035,"sentiment":"neutral","sentiment_score":-0.020893072540109806}],"sentiment":"neutral","sentiment_score":-0.020893072540109806,"channel":1,"num_words":11,"start":13.455,"end":16.035},{"sentences":[{"text":"That's no worries at all.","start":16.335,"end":17.295,"sentiment":"neutral","sentiment_score":0.19401113390922547},{"text":"It's always just that last ring or two that misses it, but we've got each other now.","start":17.295,"end":22.035,"sentiment":"neutral","sentiment_score":0.017053271041196937},{"text":"Mate, I'm just basically gonna go through a bit of an annual review with you just kind of update what's going on in the world and if we need to change anything with the super there, update a few details as well.","start":22.735,"end":32.93,"sentiment":"neutral","sentiment_score":0.12163554114245233},{"text":"I've got","start":33.15,"end":33.97,"sentiment":"neutral","sentiment_score":0.1484803929924965}],"sentiment":"neutral","sentiment_score":0.10099416350324948,"channel":0,"num_words":66,"start":16.335,"end":33.97},{"sentences":[{"text":"Yep.","start":33.54,"end":34.04,"sentiment":"neutral","sentiment_score":0.15292130410671234}],"sentiment":"neutral","sentiment_score":0.15292130410671234,"channel":1,"num_words":1,"start":33.54,"end":34.04},{"sentences":[{"text":"a bit of an email pack to send out through to you.","start":34.11,"end":36.51,"sentiment":"neutral","sentiment_score":0.15100927775104842},{"text":"I'm just wondering if you'll be able to, like, look onto the pack with me today, or should I just give you a bit of a walk through?","start":36.51,"end":42.204998,"sentiment":"neutral","sentiment_score":0.10249707661569118}],"sentiment":"neutral","sentiment_score":0.11705073695629835,"channel":0,"num_words":40,"start":34.11,"end":42.204998},{"sentences":[{"text":"Yeah.","start":44.004997,"end":44.245,"sentiment":"neutral","sentiment_score":0.02473754435777664},{"text":"Just...","start":44.245,"end":44.485,"sentiment":"neutral","sentiment_score":0.01096947118639946},{"text":"Yep.","start":44.485,"end":44.725,"sentiment":"neutral","sentiment_score":0.034051984548568726},{"text":"Whatever.","start":44.725,"end":45.125,"sentiment":"neutral","sentiment_score":0.023572888225317},{"text":"Let's say there's 80, mate.","start":45.125,"end":46.165,"sentiment":"neutral","sentiment_score":0.03167420700192451}],"sentiment":"neutral","sentiment_score":0.027966991480853822,"channel":1,"num_words":9,"start":44.004997,"end":46.165},{"sentences":[{"text":"Yeah.","start":46.165,"end":46.665,"sentiment":"neutral","sentiment_score":0.11377884447574615}],"sentiment":"neutral","sentiment_score":0.11377884447574615,"channel":1,"num_words":1,"start":46.165,"end":46.665},{"sentences":[{"text":"Cool.","start":46.905,"end":47.405,"sentiment":"neutral","sentiment_score":0.19986197352409363},{"text":"Is there anything in particular that you want me to focus on for this review?","start":47.864998,"end":51.385,"sentiment":"neutral","sentiment_score":0.09970523715019226},{"text":"Anything that's happening in your 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I","start":108.285,"end":111.405,"sentiment":"neutral","sentiment_score":0.03201641307936774}],"sentiment":"neutral","sentiment_score":0.03201641307936774,"channel":1,"num_words":9,"start":108.285,"end":111.405},{"sentences":[{"text":"Yep.","start":111.25,"end":111.75,"sentiment":"neutral","sentiment_score":0.022004634141921997}],"sentiment":"neutral","sentiment_score":0.022004634141921997,"channel":0,"num_words":1,"start":111.25,"end":111.75},{"sentences":[{"text":"said, yeah, I I I filled them in.","start":111.405,"end":113.085,"sentiment":"neutral","sentiment_score":0.034197259694337845},{"text":"I said I've I've, yeah, new new business, and I've and I've changed new house as well in the last six 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probably worth about 1.6 at the moment.","start":397.625,"end":407.02002,"sentiment":"neutral","sentiment_score":0.04505594650452787},{"text":"Does that sound correct?","start":407.02002,"end":408.08002,"sentiment":"neutral","sentiment_score":0.047994053922593594}],"sentiment":"neutral","sentiment_score":0.04544965881440374,"channel":0,"num_words":27,"start":397.14502,"end":408.08002},{"sentences":[{"text":"Yeah.","start":408.75,"end":409.23,"sentiment":"neutral","sentiment_score":0.02365100011229515},{"text":"I paid 1.65.","start":409.23,"end":413.33002,"sentiment":"neutral","sentiment_score":0.006189974335332711}],"sentiment":"neutral","sentiment_score":0.010555230779573321,"channel":1,"num_words":4,"start":408.75,"end":413.33002},{"sentences":[{"text":"Or I'll put in $16.50 there.","start":414.38,"end":417.76,"sentiment":"neutral","sentiment_score":0.010665560606867075},{"text":"And can I just quickly take down how much you've got owing approximately just to to update 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liabilities floating around?","start":431.035,"end":435.15,"sentiment":"neutral","sentiment_score":0.0059752681603034334}],"sentiment":"neutral","sentiment_score":0.011265161830712767,"channel":0,"num_words":17,"start":427.755,"end":435.15},{"sentences":[{"text":"Not not not not not really.","start":438.81,"end":441.61,"sentiment":"neutral","sentiment_score":-0.10243934268752734},{"text":"No.","start":441.61,"end":442.11,"sentiment":"neutral","sentiment_score":0.027530565857887268}],"sentiment":"neutral","sentiment_score":-0.08387221289532525,"channel":1,"num_words":7,"start":438.81,"end":442.11},{"sentences":[{"text":"Perfect.","start":441.94998,"end":442.27,"sentiment":"neutral","sentiment_score":0.3284284472465515},{"text":"So I've got the savings, the home.","start":442.27,"end":444.13,"sentiment":"neutral","sentiment_score":0.1654793524316379},{"text":"And in terms of the the business side of things, so is that essentially doing the, like, steel 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machinery?","start":458.335,"end":462.91,"sentiment":"neutral","sentiment_score":-0.01919338833540678},{"text":"I know most of it's in office.","start":463.13,"end":464.59,"sentiment":"neutral","sentiment_score":-0.03595293339874063}],"sentiment":"neutral","sentiment_score":-0.02179216114996836,"channel":0,"num_words":29,"start":457.69498,"end":464.59},{"sentences":[{"text":"No.","start":465.18002,"end":465.5,"sentiment":"neutral","sentiment_score":-0.1280984729528427},{"text":"Yeah.","start":465.5,"end":465.90002,"sentiment":"neutral","sentiment_score":-0.08009130507707596},{"text":"I'm still...","start":465.90002,"end":466.38,"sentiment":"neutral","sentiment_score":-0.0815662257373333},{"text":"Yeah.","start":466.38,"end":466.62003,"sentiment":"neutral","sentiment_score":-0.022357624024152756},{"text":"I've gone gone, like, sort of not so much fifty fifty, maybe seventy 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be a need to kind of alter that at some point because, obviously, we don't want you paying for something you can't claim on.","start":622.51,"end":627.73,"sentiment":"neutral","sentiment_score":-0.2868561286192674}],"sentiment":"neutral","sentiment_score":-0.19147752958815545,"channel":0,"num_words":48,"start":611.07495,"end":627.73},{"sentences":[{"text":"Yep.","start":628.545,"end":629.04,"sentiment":"neutral","sentiment_score":0.024648478254675865}],"sentiment":"neutral","sentiment_score":0.024648478254675865,"channel":1,"num_words":1,"start":628.545,"end":629.04},{"sentences":[{"text":"And I'm just thinking figures wise.","start":629.555,"end":631.07495,"sentiment":"neutral","sentiment_score":0.001827094703912735},{"text":"So if I go $963.02 is what you're insured for per month, and that's a 70% policy.","start":631.07495,"end":638.77496,"sentiment":"neutral","sentiment_score":0.03967455730718725},{"text":"So I'm basically just gonna do a quick little work back just to see what 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know?","start":1020.795,"end":1021.375,"sentiment":"neutral","sentiment_score":0.03839880041778088},{"text":"So,","start":1021.675,"end":1022.175,"sentiment":"neutral","sentiment_score":0.0902930200099945}],"sentiment":"neutral","sentiment_score":0.03319374999652306,"channel":1,"num_words":21,"start":1014.955,"end":1022.175},{"sentences":[{"text":"Yeah.","start":1022.03,"end":1022.53,"sentiment":"neutral","sentiment_score":0.21818700432777405}],"sentiment":"neutral","sentiment_score":0.21818700432777405,"channel":0,"num_words":1,"start":1022.03,"end":1022.53},{"sentences":[{"text":"yeah, business as far as, yeah, work coming in and and and all that far, it's starting to, yeah, get on its get on its feet and definitely definitely move forward in the right in the right direction.","start":1022.875,"end":1034.47,"sentiment":"positive","sentiment_score":0.40765757505830963},{"text":"But that's not from, you know, being lazy either.","start":1035.01,"end":1040.61,"sentiment":"neutral","sentiment_score":-0.1863129296236568},{"text":"That's from doing proper twelve hours a day and then going home and a laptop for another two hours.","start":1040.61,"end":1045.535,"sentiment":"neutral","sentiment_score":-0.08618077635765076},{"text":"You know?","start":1045.535,"end":1045.935,"sentiment":"neutral","sentiment_score":0.020825529471039772},{"text":"So it's...","start":1045.935,"end":1047.615,"sentiment":"neutral","sentiment_score":0.08079430088400841}],"sentiment":"neutral","sentiment_score":0.17685680565025125,"channel":1,"num_words":70,"start":1022.875,"end":1047.615},{"sentences":[{"text":"I've definitely been pushing myself to to make it all 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have just stopped.","start":1108.42,"end":1110.1,"sentiment":"neutral","sentiment_score":-0.13669244945049286},{"text":"That's fair enough.","start":1110.1,"end":1111.08,"sentiment":"neutral","sentiment_score":0.05924865479270617},{"text":"Basically, in terms of the return side of things, that high growth profile I mentioned before, 90% shares property in gold, 10% on the safer side of things.","start":1112.085,"end":1121.465,"sentiment":"neutral","sentiment_score":0.1722453534603119}],"sentiment":"neutral","sentiment_score":0.1083612717831364,"channel":0,"num_words":52,"start":1102.66,"end":1121.465},{"sentences":[{"text":"We need to be hitting around about 10% returns to keep the super growing, offset fees, and make sure you're still on track, if that makes 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assuming","start":1243.07,"end":1243.87,"sentiment":"neutral","sentiment_score":0.018822487133244675}],"sentiment":"neutral","sentiment_score":-0.017205711100892775,"channel":0,"num_words":29,"start":1232.935,"end":1243.87},{"sentences":[{"text":"Yep.","start":1243.77,"end":1244.145,"sentiment":"neutral","sentiment_score":-0.0038738176226615906}],"sentiment":"neutral","sentiment_score":-0.0038738176226615906,"channel":1,"num_words":1,"start":1243.77,"end":1244.145},{"sentences":[{"text":"no changes for that for the super or the life 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succession,","start":1248.83,"end":1264.3251,"sentiment":"neutral","sentiment_score":-0.008139490887212256}],"sentiment":"neutral","sentiment_score":-0.008139490887212256,"channel":0,"num_words":48,"start":1248.83,"end":1264.3251},{"sentences":[{"text":"Yep.","start":1264.15,"end":1264.65,"sentiment":"neutral","sentiment_score":0.00025503337383270264}],"sentiment":"neutral","sentiment_score":0.00025503337383270264,"channel":1,"num_words":1,"start":1264.15,"end":1264.65},{"sentences":[{"text":"how does that pass on, how does the assets pass on.","start":1264.3251,"end":1267.29,"sentiment":"neutral","sentiment_score":-0.051482420076023445},{"text":"So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established.","start":1267.53,"end":1274.91,"sentiment":"neutral","sentiment_score":0.025542723685503005}],"sentiment":"neutral","sentiment_score":0.002007263091703256,"channel":0,"num_words":36,"start":1264.3251,"end":1274.91},{"sentences":[{"text":"Yep.","start":1275.765,"end":1276.005,"sentiment":"neutral","sentiment_score":0.08538966625928879},{"text":"Yep.","start":1276.005,"end":1276.3251,"sentiment":"neutral","sentiment_score":0.10450005531311037},{"text":"Gotcha.","start":1276.3251,"end":1276.8251,"sentiment":"neutral","sentiment_score":0.24129509925842285}],"sentiment":"neutral","sentiment_score":0.143728273610274,"channel":1,"num_words":3,"start":1275.765,"end":1276.8251},{"sentences":[{"text":"Cool.","start":1277.4501,"end":1277.9501,"sentiment":"positive","sentiment_score":0.3727624714374542},{"text":"Outside of that, I've got a bit of a pack to send through to you for the review just with updated figures, certificate of currency for your insurance.","start":1278.9701,"end":1287.265,"sentiment":"neutral","sentiment_score":0.19103567089353288},{"text":"So if anything does happen health wise, you know what you've got, we can help you with the claim, service guides with us, performance reports, all that kind of thing.","start":1287.725,"end":1297.84,"sentiment":"neutral","sentiment_score":0.19950549006462098},{"text":"Am I okay to send it through to the web still email that we've now got on file?","start":1297.84,"end":1302.18,"sentiment":"neutral","sentiment_score":0.10618562085760964}],"sentiment":"neutral","sentiment_score":0.17686061212768803,"channel":0,"num_words":77,"start":1277.4501,"end":1302.18},{"sentences":[{"text":"Yes.","start":1302.42,"end":1302.795,"sentiment":"neutral","sentiment_score":0.13919569551944733},{"text":"K.","start":1302.9551,"end":1303.1951,"sentiment":"neutral","sentiment_score":0.12462624907493591},{"text":"Hold","start":1303.1951,"end":1303.6951,"sentiment":"neutral","sentiment_score":0.31631091237068176}],"sentiment":"neutral","sentiment_score":0.193377618988355,"channel":1,"num_words":3,"start":1302.42,"end":1303.6951},{"sentences":[{"text":"Perfect.","start":1304.48,"end":1304.98,"sentiment":"positive","sentiment_score":0.5040217638015747},{"text":"There is a fee 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you to understand and sort of have a bit of a plan...","start":1344.82,"end":1349.32,"sentiment":"neutral","sentiment_score":-0.017100027517268534},{"text":"An action plan, you know what I mean, to move forward.","start":1350.1,"end":1352.34,"sentiment":"neutral","sentiment_score":0.05134921758012338},{"text":"So...","start":1352.34,"end":1352.66,"sentiment":"neutral","sentiment_score":0.02768346481025219},{"text":"No.","start":1352.66,"end":1352.82,"sentiment":"neutral","sentiment_score":-0.0565519817173481},{"text":"Definitely.","start":1352.82,"end":1353.32,"sentiment":"neutral","sentiment_score":0.09342988580465315}],"sentiment":"neutral","sentiment_score":0.009227340589418556,"channel":1,"num_words":33,"start":1344.82,"end":1353.32},{"sentences":[{"text":"That's fine.","start":1353.38,"end":1354.12,"sentiment":"positive","sentiment_score":0.3550288677215576}],"sentiment":"positive","sentiment_score":0.3550288677215576,"channel":1,"num_words":2,"start":1353.38,"end":1354.12},{"sentences":[{"text":"Awesome.","start":1354.635,"end":1354.98,"sentiment":"positive","sentiment_score":0.6442375183105469},{"text":"Alright.","start":1355.22,"end":1355.46,"sentiment":"positive","sentiment_score":0.4590291380882263},{"text":"So I'll leave that pack with you.","start":1355.46,"end":1356.98,"sentiment":"positive","sentiment_score":0.35504439898899626},{"text":"Any questions, give us a buzz.","start":1356.98,"end":1358.52,"sentiment":"neutral","sentiment_score":0.2561442529161771},{"text":"Do you want me to pencil in any kind of catch ups before the end of the year or early in the New Year or just kind of wait until everything settles down from the cash flow and accounting side of 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year.","start":1401.075,"end":1412.23,"sentiment":"neutral","sentiment_score":0.051770128309726715}],"sentiment":"neutral","sentiment_score":0.051770128309726715,"channel":0,"num_words":37,"start":1401.075,"end":1412.23},{"sentences":[{"text":"Yeah.","start":1412.755,"end":1412.995,"sentiment":"neutral","sentiment_score":0.04813775420188904},{"text":"Okay.","start":1412.995,"end":1413.155,"sentiment":"neutral","sentiment_score":-0.017792191356420517},{"text":"So it's really something something next year I'll do.","start":1413.155,"end":1416.275,"sentiment":"positive","sentiment_score":0.4592426055007511},{"text":"Yeah.","start":1416.275,"end":1416.6749,"sentiment":"positive","sentiment_score":0.39042291045188904},{"text":"That's 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They suggest living off savings and discuss contributions to finances. The speakers take notes on the customer's assets and liabilities, including savings and home work. They also discuss the insurance policy and income protection policy, emphasizing the importance of protecting income and working towards goals. The speakers provide updates on growth profile, returns, and portfolio management, and offer assistance with paperwork and paper trail."},"intents":{"segments":[{"text":"Mate, I'm just basically gonna go through a bit of an annual review with you just kind of update what's going on in the world and if we need to change anything with the super there, update a few details as well. I've got Yep.","start_word":80,"end_word":124,"intents":[{"intent":"Review and discuss changes in super","confidence_score":0.0006760505}]},{"text":"So I can see a few details have been updated. We've got Luscombe Drive as well. That's all in there.","start_word":385,"end_word":404,"intents":[{"intent":"Update information","confidence_score":0.090829246}]},{"text":"Was that the old income or what you're currently Old income, sort of mate. working Yeah.","start_word":428,"end_word":443,"intents":[{"intent":"Inquire about income","confidence_score":0.026404545},{"intent":"Clarify income level","confidence_score":0.002761132}]},{"text":"Do you have a bit of an idea of what you're gonna be looking like the next twelve months? Probably between now and the next financial, there will be a buggerable income, basically. 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Like I said, I don't see them them funds, you know, much being left after the end of November. You know?","start_word":1044,"end_word":1093,"intents":[{"intent":"Discuss finances","confidence_score":0.001125807}]},{"text":"So the way that works is because it's an indemnity policy, when you go to claim on insurance, you know, you're at work for six months, that kind of thing, They're going to essentially go, you know, hand in your twelve month income, which at this point might be a combination of the previous job plus what's going on inside the business for the p and l's profit and loss statements. Mhmm.","start_word":1603,"end_word":1674,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.21698558}]},{"text":"So it's protecting an income of 165,000, slowly depleting down.","start_word":1927,"end_word":1936,"intents":[{"intent":"Protect income","confidence_score":0.1711975}]},{"text":"So what my question is, do we do any alterations to the policy now, or do we kind of touch base around the end of financial year, see how the business is going, and see if we need to do any trimming down alterations at that point? Yeah.","start_word":1965,"end_word":2012,"intents":[{"intent":"Adjust policy","confidence_score":0.60396636}]},{"text":"You pay every fee. There's another 1,200 here for a rep bloody registration and all... You know, like, there's that much money. Yeah.","start_word":2106,"end_word":2128,"intents":[{"intent":"Pay bills","confidence_score":0.10939221}]},{"text":"If you have any sort of profit and loss statements generated at that time, I can use them for the financial planning for the personal side of things.","start_word":2412,"end_word":2439,"intents":[{"intent":"Plan financial plan","confidence_score":0.083517395}]},{"text":"And then once cash flow rolls, we can do some updated retirement projections and see if we need to alter it from there, if that sounds alright.","start_word":2609,"end_word":2635,"intents":[{"intent":"Evaluate retirement projections","confidence_score":0.004595776}]},{"text":"I've had this business going for a little bit now and, yeah, starting to get on top of everything. But, yeah, that is definitely a stress point of mine. We're just making sure there's money there to, yeah, live, pay the mortgage, and live, and everything else. You know? So, Yeah.","start_word":3072,"end_word":3122,"intents":[{"intent":"Address financial issues","confidence_score":0.0086388}]},{"text":"So one... A couple of things I'll quickly check with you before I let you go is just in terms of the super.","start_word":3324,"end_word":3346,"intents":[{"intent":"Check super account balance","confidence_score":0.019784791}]},{"text":"What I would like Mhmm. to do is, let's say, around May, we catch back up again. If that hasn't picked its feet, I'm gonna do a bit of a tune up of the portfolio and switch a couple of options around. At Yep.","start_word":3689,"end_word":3732,"intents":[{"intent":"Update portfolio","confidence_score":0.4126173}]},{"text":"the same time, we talk about the insurances, see if we need to tweak it, and at the same time, talk about anything you need for the tax season as well. Yeah.","start_word":3733,"end_word":3764,"intents":[{"intent":"Discuss tax seasons","confidence_score":0.029499087}]},{"text":"Estate planning wise, we still have the beneficiary listed as Leanne. So I'm assuming Yep. no changes for that for the super or the life insurance. Yep.","start_word":3791,"end_word":3817,"intents":[{"intent":"Discuss estate planning","confidence_score":0.5484022}]},{"text":"So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established.","start_word":3878,"end_word":3902,"intents":[{"intent":"Discuss wills","confidence_score":0.05624695}]},{"text":"So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established. Yep.","start_word":3878,"end_word":3903,"intents":[{"intent":"Review wills and power of attorney","confidence_score":0.0062760515}]},{"text":"Am I okay to send it through to the web still email that we've now got on file? Yes.","start_word":3965,"end_word":3983,"intents":[{"intent":"Send sent email","confidence_score":0.000009262777}]},{"text":"I do need to ask you if you're still comfortable for us to kinda look after things for the time being. Mhmm.","start_word":4059,"end_word":4080,"intents":[{"intent":"Initiate and plan meetings","confidence_score":5.414119e-7}]},{"text":"Outside of that, we basically just need to wait for paperwork and and paper trail to sort itself out, and then I can make some changes to the different products and strategies around end of financial year.","start_word":4287,"end_word":4323,"intents":[{"intent":"Manage financial changes","confidence_score":0.000078807854}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Matt.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.40100762248039246},{"text":"You're through to Tommy, senior adviser, mate.","start_word":3,"end_word":9,"sentiment":"neutral","sentiment_score":0.3299226462841034},{"text":"Thank you so much for calling back in.","start_word":10,"end_word":17,"sentiment":"positive","sentiment_score":0.7062984108924866},{"text":"No worries, mate. Sorry. I missed you. I I tried to answer when it's called. I just cut up and then it missed it, and then that was it. Now I only just seen a text message to ring back. That's no worries at all. It's always just that last ring or two that misses it, but we've got each other now. Mate, I'm just basically gonna go through a bit of an annual review with you just kind of update what's going on in the world and if we need to change anything with the super there, update a few details as well. I've got Yep. a bit of an email pack to send out through to you. I'm just wondering if you'll be able to, like, look onto the pack with me today, or should I just give you a bit of a walk through? Yeah. Just... Yep. Whatever. Let's say there's 80, mate. Yeah. Cool. Is there anything in particular that you want me to focus on for this review? Anything that's happening in your world? Well, since in the last six months, I've started my own business. So I left old business, started new business. And, basically, I haven't been paying super because I've started a new business, so I haven't been paying Yep. myself a wage. So that... That's sort of, like, the big change in my life because, basically, before that, I was on wages for twenty three years now and then. So... Yeah. And that's sort of the... If there's any sort of change to discuss on that part with how that sort of, you know, affects moving forward. Yeah. Absolutely. And just quickly as well, so with the the email address and everything, we still have everything under WAM still. Is that the the business, No. or That... is that Yeah. the That's old? a new... I only changed that in the last week. So when when Yep. when you guys called to book this in, I Yep. said, yeah, I I I filled them in. I said I've I've, yeah, new new business, and I've and I've changed new house as well in the last six months.","start_word":18,"end_word":383,"sentiment":"neutral","sentiment_score":-0.006376370879226044},{"text":"Perfect. So I can see a few details have been updated.","start_word":384,"end_word":394,"sentiment":"positive","sentiment_score":0.418470561504364},{"text":"We've got Luscombe Drive as well. That's all in there. The... Just in terms of a couple of things with the employment side of things, I'm seeing an income of about 170,000 there. Was that the old income or what you're currently Old income, sort of mate. working Yeah. on? Old income. Yep. Okay. Do you have a bit of an idea of what you're gonna be looking like the next twelve months? Probably between now and the next financial, there will be a buggerable income, basically. Yeah. So I I won't be paying myself a wage just, yeah, to try and get the the business off the ground and trying to just survive on, you know, savings. And... Yeah. And then hopefully... Well, before... Oh, so before the end of next financial, hopefully, everything's sorted, and I have structured it that I can be paying myself a wage. But as far as then get paying myself in super, that's that's not... Don't happen for a while, I wouldn't say, in 2026 anyway. Yeah. Yeah. And it's pretty common. Like, to be honest, a lot of our clients that go self employed usually spend at least the first one to three years just getting a handle on, you know, the taxes, the the activity statements, GST, all that kind of thing. And then Yep. once Yep. it kind of settles down, then wages start to come into play and contributions a little bit later on as well. Yeah. Okay.","start_word":395,"end_word":643,"sentiment":"neutral","sentiment_score":-0.017751792445778847},{"text":"Cool. Sounds good.","start_word":644,"end_word":646,"sentiment":"positive","sentiment_score":0.4337802529335022},{"text":"Now if it ever comes to the point where you're looking to do any contributions, there's kind of two ways to do it. Once you've got the wages going, you'd generally just pay employer contributions as if you're your own, you know, salaried employee. In Yep. between now and then, anytime we need to do a contribution, it's pretty common for self employed like tradies to do a contribution at the end of financial year where they go, okay. All this cash is built up. I'm looking at this much in taxes. I might throw $510 in super. And then what we basically do is, like, a BPAY or EFT and a Yep. bit of a form called a notice of intent to claim to claim it as a tax deduction. Okay. Yep. So we'll keep an eye on how things change over the next few years with you. In the interim, any new plans or changes that I do, I'm just gonna base projections off as if there's no contributions for the time Yep. being. Yep. Yep. Yep. Yep. That sound alright?","start_word":647,"end_word":829,"sentiment":"neutral","sentiment_score":0.09207399238328463},{"text":"Yep. Sounds good. Right? Perfect.","start_word":830,"end_word":834,"sentiment":"positive","sentiment_score":0.5283532738685608},{"text":"I'm pretty much just gonna put a flag on the income kind of things until we can get a handle on that too. You did mention that you're you're kind of living off savings. I'm just wondering if I could just note down a rough figure for your assets for the savings. As in what as in what there is or what there... Or what is going... What we're spending? What? More... What is it? What sort of lump sum savings you're kind of drawing down on to to sort of survive on at the There was about forty k when I first started, and that was to do with, yeah, my entitlements and stuff moment? from work, Yep. from my old employee employment. Oh, yeah. Yep. So Leaving I and had such. about 40 k because I... Yeah. I had to ask those questions to my account. I said, how am I gonna survive? You know? Like, and then it was, well, yeah, you gotta try and survive off them, and then and then we'll look at it when that runs out. You know what I mean? So... That's... I think there was... You know, there's, like, half of that's gone. There's, like, 29 left there. So... Yeah. I I sort of said to my account, so I I think with supporting myself, my wife, and my three children and and everything, mortgage and and everything else. Like I said, I don't see them them funds, you know, much being left after the end of November. You know? And I said, yeah. Okay. We'll we'll just look at it closer to, say, how you going? And then look at then drawing from the business to, you know, keep you, you know, stable, and then we'll just... Yeah. Like like, they're just gonna sort of tell me what to do in a way. Yeah. Yeah. I'm just taking a few notes down for that as well. So just in terms of, like, assets and everything, the the property that we had noted down, so you're using that savings to also pay, like, mortgage repayments as well? Yep. But I've moved here from the last six months. Yep. And that's that's 3 Lost Home Drive. Correct? Yes. Moved to 3 Laskin Drive. Yep. K. So if I do a quick little check on that one online, they're saying it's probably worth about 1.6 at the moment. Does that sound correct? Yeah. I paid 1.65. Or I'll put in $16.50 there. And can I just quickly take down how much you've got owing approximately just to to update that? I think it's about a mil. Yeah. Yep. I think. Yep. He's done. Yep. Mill flat. And outside of that in the Kia Sorento, any other assets or liabilities floating around? Not not not not not really. No. Perfect. So I've got the savings, the home. And in terms of the the business side of things, so is that essentially doing the, like, steel supply? You're the director of the company, obviously. Do you Yes. do anything Still manufacturing. on... Yep. Do you... In terms of the factory floor, do you do any on the tools, or is it more just operating machinery? I know most of it's in office. No. Yeah. I'm still... Yeah. I've gone gone, like, sort of not so much fifty fifty, maybe seventy thirty. I'm sort of I suppose I'm a tool. I call it tools. You're out with the boys a bit. You know what I mean? I've only got a crew of four four guys. So I went from time to, like, when I was director of that business. So we have 30 employees at one point. You know what I mean? So Yeah. just got... Just started up a smaller business, trying to structure it a bit better that... Yeah. A lot of outsourcing and stuff. So, yeah, sort of using all my experience and knowledge into, you know, being more like a builder in a way. Like, yeah. So, yeah, I only have a few heads, you know, under the Landstuhl banner, but then also using subcontractors and stuff to, you know, still achieve, you know, the jobs, get the jobs, and get the jobs on the line. Yeah. Yep. Few surveys as well. I'm just thinking for... But just before I jump into the super side of things, the insurances that you've got, I don't know if you remember that Neos policy that was put in place. Yes. What I'm sort of thinking for that one is the income protection. So the way that works is because it's an indemnity policy, when you go to claim on insurance, you know, you're at work for six months, that kind of thing, They're going to essentially go, you know, hand in your twelve month income, which at this point might be a combination of the previous job plus what's going on inside the business for the p and l's profit and loss statements. Mhmm. The questions that they would also ask, for example, like, if you went on claim is would the income continue to you if you were injured or ill? Like, for example, let's say the four guys that work for you continue to generate all the income, and you could just draw down income and you'd be fine indefinitely. There's no lost income there, but it doesn't sound like that's the case for you. You're at that start up point where if you're Yes. not No working, change. income's not coming in. Mate, even if I was six years in, there's no... The business won't survive if if I wasn't around. So it's... Yeah. Just the full guy. They're only... They're as good as they are. It's not... They still need their their their boss to to bring in the work, manage the work. You know what I mean? So it's just... It it wouldn't it wouldn't survive, no, if I wasn't around. Yep. So what you've essentially got is income protection that's paid out until June of next year, already kind of paid for. There may be a need to kind of alter that at some point because, obviously, we don't want you paying for something you can't claim on. Yep. And I'm just thinking figures wise. So if I go $963.02 is what you're insured for per month, and that's a 70% policy. So I'm basically just gonna do a quick little work back just to see what it's looking like. So it's protecting an income of 165,000, slowly depleting down. Let... Let's say you never drew anything from the business for twelve months. That equivalent would go down from $1.65 and slowly whittle down over a twelve month period. So what my question is, do we do any alterations to the policy now, or do we kind of touch base around the end of financial year, see how the business is going, and see if we need to do any trimming down alterations at that point? Yeah. Probably the second what you said. Because end of the day, like, I... I'm gonna have to draw money.","start_word":835,"end_word":2031,"sentiment":"neutral","sentiment_score":-0.04039780300736129},{"text":"Like, I can't survive off nothing.","start_word":2032,"end_word":2037,"sentiment":"negative","sentiment_score":-0.4373876750469208},{"text":"You know what I mean? Yep. Like, my new mortgage So it'll is be an $600 income coming a there. week. You know what Yeah. I mean? Jeez. So I've got three children, you know, like like that, you know, and now they're not just, like, normal bills and food. Like, the amount of bloody sports and bloody rep competitions and bloody everything. You know what I mean? You pay every fee. There's another 1,200 here for a rep bloody registration and all... You know, like, there's that much money. Yeah. It's not that nothing's shared in my... In my life at the minute. That's for sure. And so what you're telling It's... me is it's pretty important to protect the income. As soon as it's sort of rolling and built, you need to make sure you don't lose it too. Yes. Yes. 100%. 100%, mate. K. But I... Yeah. I would say there's not... There's something has to keep. So come end of November, going into December, into Christmas. Like, I have better discussions I've had with my accountant. It'll be that, yeah, right over, what are we doing? Like, I have to start drawing money because there's not money sitting there, you know, to to to live up, to pay the bills. You know? So Yeah. there would definitely be how that next... It's gonna be a mess, I reckon, and that's why I'm glad because my accountants have been my business advisers as well.","start_word":2038,"end_word":2284,"sentiment":"neutral","sentiment_score":-0.08352835653613695},{"text":"Like, they're the ones that have structured my business and set it up for me.","start_word":2285,"end_word":2299,"sentiment":"positive","sentiment_score":0.3804519474506378},{"text":"So I think they know Yeah. what's coming. Like, they may know more about that stuff than me because come next financial year, working out all that paperwork with all what's coming and what's going out and and and, you know, that... That's that's gonna be a bit of a mess, I would say. Yeah. Yeah. Absolutely. What I'm sort of thinking is that we basically just need to... You'll have a pretty good idea by, like, May, June as well. So what I'm basically gonna pencil in is a bit of a catch up around early May just to Yep. sort of Yep. see how the the cash flow is going. If you have any sort of profit and loss statements generated at that time, I can use them for the financial planning for the personal side of things. Mhmm. And Yep. that's with regards to the super, the insurances, anything for budgeting, debt management, We can use it for everything Yep. and almost kinda link in together as a bit of a triangle. One thing I will Yep. let you know as well, 1,700,000 worth of life insurance and disability insurance to clear the mortgage, set the family up. Yeah. So, obviously, in the interim, while there's no contributions going into super, the fees, the premiums are gonna have a bit of an impact. Normally speaking, your portfolio being that sort of high growth, it'd kind of be able to handle itself for a couple of years. Yep. Yep. Twenty four months, three years max, where, you know, if you get a 10% return, you're sitting at 312,000. 30,000 worth of return coming in is more gonna offset any kind of fees and premiums and still grow. Yep. Yep. Yep.","start_word":2300,"end_word":2591,"sentiment":"neutral","sentiment_score":0.05650010332465172},{"text":"So we pretty much gotta keep it as high growth as possible for as long as possible.","start_word":2592,"end_word":2608,"sentiment":"positive","sentiment_score":0.41190361976623535},{"text":"And then once cash flow rolls, we can do some updated retirement projections and see if we need to alter it from there, if that sounds alright. Yes. Okay. Okay. K. So because, ultimately, like, you know how we deal with the retirement side of things, we're aiming for that kind of early retirement, age 60. It's like you gotta build the business up, pay off the mortgage, but then also be able to sit at 60, hang up the boots, and and spend time with family if that rings Yep. a bell as well. So the way I kinda look at it, we've got... Yep.","start_word":2609,"end_word":2714,"sentiment":"neutral","sentiment_score":0.22761519253253937},{"text":"We still got a good twenty years to get the growth out of it. Usually, three years to build up the business side of things, seventeen years to kind of accelerate the growth of the super, so ten years of of huge growth, seven years of then reducing your risk down in the lead up to age 60.","start_word":2715,"end_word":2772,"sentiment":"positive","sentiment_score":0.3870212435722351},{"text":"So your life's kind of split in between what happens the next three to five years, the decade after that to make all the money, and then that last little seven years where you start to slow things down and transition off of it. Yep. Yep. So I'm basically gonna update the the goals in your your system with us to sort of say, build up the business, get a handle on the cash flow and the mortgage. In a couple of years' time, restart contributions to super, build those assets up, and then pay off that million dollars worth of mortgage. Is there anything else that you sort of can mix into the plans there that you want to factor in, or is it really just business, mortgage, retirement? Yeah. No. No. It's just been my... Yes. This year's been pretty busy for us to be honest because... I can imagine. Yeah, when we when we bought the house, it was it was the start of February when we bought it. And then I didn't know what was that was me thinking that I was just gonna be staying working at KMT. You know? So Yeah. that then happened about three months later, and we hadn't even moved into the house. So we had a four month settlement, and then we moved it back two months to then match the settlement on ours. So it was six months settlement all up, and all the business stuff started happening halfway through. So it was actually... Yeah. A lot of sleepless nights, but that was... Yeah. Definitely wouldn't go through either one of them per year, let alone two. You know? So Is it that's feeling been a the little biggest bit more changes. stable now? Yeah. For sure. Yeah. I've had this business going for a little bit now and, yeah, starting to get on top of everything. But, yeah, that is definitely a stress point of mine. We're just making sure there's money there to, yeah, live, pay the mortgage, and live, and everything else. You know? So, Yeah.","start_word":2773,"end_word":3122,"sentiment":"neutral","sentiment_score":0.009917882340294974},{"text":"yeah, business as far as, yeah, work coming in and and and all that far, it's starting to, yeah, get on its get on its feet and definitely definitely move forward in the right in the right direction.","start_word":3123,"end_word":3160,"sentiment":"positive","sentiment_score":0.39013922214508057},{"text":"But that's not from, you know, being lazy either. That's from doing proper twelve hours a day and then going home and a laptop for another two hours. You know? So it's... I've definitely been pushing myself to to make it all happen. Yeah.","start_word":3161,"end_word":3204,"sentiment":"neutral","sentiment_score":-0.01603490673005581},{"text":"Absolutely. So our kind of role alongside you is not just the super guys.","start_word":3205,"end_word":3218,"sentiment":"positive","sentiment_score":0.34410977363586426},{"text":"Once things settle down, we're basically gonna touch back around how to do the cash flow side of things, the debt management.","start_word":3219,"end_word":3240,"sentiment":"neutral","sentiment_score":0.27299368381500244},{"text":"Anything you need for the accounting side of things, let us know, and we can kind of work out some updated plans next year, the year after, and really just accelerate things.","start_word":3241,"end_word":3272,"sentiment":"positive","sentiment_score":0.34874093532562256},{"text":"Because once... Like, we've got a lot of guys that, you know, built up NDIS businesses, trades businesses, and the like.","start_word":3273,"end_word":3293,"sentiment":"neutral","sentiment_score":0.3189907968044281},{"text":"And once the cash flow starts rolling, it's just about let's direct that to to knock those goals out in a smart way as well.","start_word":3294,"end_word":3318,"sentiment":"positive","sentiment_score":0.4717482328414917},{"text":"Yep. That's okay. K. So one... A couple of things I'll quickly check with you before I let you go is just in terms of the super. What I'm kind of seeing at the moment is I believe you've been on board with us for a couple of years now Yep. or at least in the hub twenty four since 2024. So it's been two year mark. Obviously, contributions have just stopped. That's fair enough. Basically, in terms of the return side of things, that high growth profile I mentioned before, 90% shares property in gold, 10% on the safer side of things. We need to be hitting around about 10% returns to keep the super growing, offset fees, and make sure you're still on track, if that makes sense. Yes. You're kind of sitting out over the two years. Let's have a look here. 29% returns over the twenty four months. So you're still clearing well over 14% per annum over the two years averaged out, and that's the stock market dropping one, two, three, four times in two years. Yep. I can. Last twelve months is a little bit more flat because the world exploded. So I'm just having a look here.","start_word":3319,"end_word":3522,"sentiment":"neutral","sentiment_score":0.042145892685534904},{"text":"You're still up in the positive, which is good.","start_word":3523,"end_word":3531,"sentiment":"positive","sentiment_score":0.37605440616607666},{"text":"Bear in mind, some years when there's no contributions and the stock market plummets, that 312,000 you've got, that might go down to $2.70 and then be 400,000 eighteen months later. Yeah. I kinda... Yep. Yep. So I'm just kind of warning you of the roller coaster ride because you've built up a pretty big balance now. Any Yep. percentage move in the stock market, property market, gold market, that's gonna reflect a pretty big balance on your super account. Yep. I can. Yep. K? So what I'm gonna do, if this is okay with you, is I'm gonna keep an eye on the portfolio between now and our next catch up. And then basically, there's eight options in there. Most of them have done pretty much everything that we want them to do. There's one there that's a bit of a concern, a Bennelong option, which has kind of been dragging its feet a little bit. What I would like Mhmm. to do is, let's say, around May, we catch back up again. If that hasn't picked its feet, I'm gonna do a bit of a tune up of the portfolio and switch a couple of options around. At Yep. the same time, we talk about the insurances, see if we need to tweak it, and at the same time, talk about anything you need for the tax season as well. Yeah. Yeah. Okay. Is that Yeah. alright? Yeah.","start_word":3532,"end_word":3771,"sentiment":"neutral","sentiment_score":-0.03860733876936138},{"text":"Sounds good, mate. Yeah. Cool.","start_word":3772,"end_word":3776,"sentiment":"positive","sentiment_score":0.5408400893211365},{"text":"I'm not gonna update income at the moment. Just leave that flat as is. Estate planning wise, we still have the beneficiary listed as Leanne. So I'm assuming Yep. no changes for that for the super or the life insurance. Yep. Probably not the top of your priority list while you're trying to build a business, but putting in place a will and a power of attorney as you start growing the business assets, personal assets, investment assets, there will be a deeper conversation around estate planning, business succession, Yep. how does that pass on, how does the assets pass on. So just a reminder on the wills and power of attorney, but as things grow, it's probably gonna become a deeper conversation once you're established. Yep. Yep. Gotcha.","start_word":3777,"end_word":3905,"sentiment":"neutral","sentiment_score":-0.004528141114860773},{"text":"Cool.","start_word":3906,"end_word":3906,"sentiment":"positive","sentiment_score":0.3727624714374542},{"text":"Outside of that, I've got a bit of a pack to send through to you for the review just with updated figures, certificate of currency for your insurance. So if anything does happen health wise, you know what you've got, we can help you with the claim, service guides with us, performance reports, all that kind of thing. Am I okay to send it through to the web still email that we've now got on file? Yes. K.","start_word":3907,"end_word":3984,"sentiment":"neutral","sentiment_score":0.1733555644750595},{"text":"Hold Perfect.","start_word":3985,"end_word":3986,"sentiment":"positive","sentiment_score":0.4414514899253845},{"text":"There is a fee reduction on. with us as well. So normally, it's 1.65%, but we've added in tiered structure this year in the new service guide. So anyone above 200,000, you're sitting at $3.12. The percentage actually drops to 1.37. And then when you're above Okay. 0.5 a mil, it goes down to 1.1%. And then from 0.5 a mil onwards, there's another drop after that as well. Okay. Mhmm.","start_word":3987,"end_word":4057,"sentiment":"neutral","sentiment_score":0.00013592870722354297},{"text":"Cool.","start_word":4058,"end_word":4058,"sentiment":"positive","sentiment_score":0.3735753297805786},{"text":"I do need to ask you if you're still comfortable for us to kinda look after things for the time being. Mhmm. But, yeah, it's not. Definitely. Yeah. Choosing to hear... Tell you what's going on and then you to understand and sort of have a bit of a plan... An action plan, you know what I mean, to move forward. So... No. Definitely.","start_word":4059,"end_word":4122,"sentiment":"neutral","sentiment_score":0.029386192560195923},{"text":"That's fine. Awesome. Alright. So I'll leave that pack with you.","start_word":4123,"end_word":4133,"sentiment":"positive","sentiment_score":0.3990951478481293},{"text":"Any questions, give us a buzz. Do you want me to pencil in any kind of catch ups before the end of the year or early in the New Year or just kind of wait until everything settles down from the cash flow and accounting side of things? Yeah. Yeah. I don't wanna waste any amount of time. I mean, yeah, I've got a lot on my plate between now and Christmas to to get sorted, and I'm gonna be doing doing a lot with my account and everything to... Along the way. So, yeah, we can do... Yeah. We can... I don't know. Something... I I don't know. What do you think? Do you think it's gonna need or just think... Wait till next year? Realistically, if anything explodes Christmas time or in the New Year, we'll probably have to get in touch with you if the world kinda melts down. Yep. Outside of that, we basically just need to wait for paperwork and and paper trail to sort itself out, and then I can make some changes to the different products and strategies around end of financial year. Yeah. Okay.","start_word":4134,"end_word":4325,"sentiment":"neutral","sentiment_score":-0.008461122401058674},{"text":"So it's really something something next year I'll do. Yeah. That's fine. Cool.","start_word":4326,"end_word":4338,"sentiment":"positive","sentiment_score":0.4747672080993652},{"text":"I'm just gonna double check if there's anything else there, but any questions for me at this point? No. No, mate. No. I think I'm thinking we're right there.","start_word":4339,"end_word":4367,"sentiment":"neutral","sentiment_score":0.05458498373627663},{"text":"Cool. Well, you just keep looking after Leanne, Miles, Austin, and Winnie, and you've got a business to build and a mortgage to pay, so I won't be a burden in your side, mate. I'll just make sure that when things change, we've got some ideas and things to help you. Perfect. Thank you very much. Sorry. No worries at all, mate. Have a fantastic week, and I shall talk to you again soon. Thanks, man. Bye bye. You too.","start_word":4368,"end_word":4447,"sentiment":"positive","sentiment_score":0.4954786002635956},{"text":"Bye. Bye. Bye.","start_word":4448,"end_word":4450,"sentiment":"neutral","sentiment_score":0.2075553685426712}],"average":{"sentiment":"neutral","sentiment_score":0.03503456962620787}}}}