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Is now still a good time? Perfect. Perfect. Now I've already run through a lot of the numbers with you guys, and I've got all the updated info in front of me. Do you mind if I just do the usual security check with you, Richard? Perfect. If you could please just confirm your date of birth and address and Mercia's date of birth as well. Yep. Perfect. Thank you so much for that, Richard. Mate, I'm back in the swing of things a little bit at the moment. Is everything in your mind still kind of in line with what we spoke about last time? Have there been any changes? Yeah. Yeah. Oh, yep. For the myGov for the bring fall. It can be quite quite awkward. I was having a little bit of a look at it myself on my own account, but, I mean, we do have most of the information from when all the previous contributions were made and previous transaction history. So I'll obviously triple and quadruple check those. Would it be I see. Yep. I see. Yeah. Does it were you able to find that bring forward arrangement button on there and it just came up blank? Or Yep. Absolutely. No. What what I can do is what I'll I'll do just in case is I'll go back through the transaction history with a second pair of eyes just to make sure that's all good. And if it's helpful, I can email you through some screenshots of the buttons to click just to see if you get the same outcome that I get. If you don't mind trying again, if not, we can do without. But just thought that might be helpful. Yeah. Yeah. Yeah. Absolutely. And I'll put together just an updated plan with the specifics of it, which is obviously sell down the investment account and then contribute the 300,000 and do that little bit of a a refresh on Mercia's account. Is that still the intent? Yep. Perfect. Yep. Absolutely. A tiny bit of tax there and then just leave the rest of the savings. And, Richard, while I've got you here, there was two questions that I had. When when we do the recontribution into Mercia's account, because that's gonna bump up the account balance quite considerably, Minimum pension payments will bump up a little bit. So I guess the options are because I think we set it to a thousand dollars a fortnight at the moment just to sort of lower it a little bit. Yeah. So what's gonna happen is it'll that's fine. K. Cool. I was just gonna check if you didn't want me to keep some of it in the super account and just keep it split. But if you guys don't mind that extra little minimum coming out, that would be better for the earnings to be tax free. Yeah. And I think Marsha still got until age 65 before they increase it to 5%. So she's still got a year and a month before that. And because they work on financial years, it shouldn't be too much of a trouble for a little while. And while I've got you as well, I just wanted to quickly update the details for the fact that I attached with the updated plan. Because, obviously, you guys haven't had any major changes in circumstances in terms of address or emails or anything like that. I was just going to include an updated property value. So I think we had the home valued at 850,000 last time, but online, it's looking a bit closer to about 1.2 at the moment given the way the market's gone. Is that okay? Yep. And besides the cars, we're factoring in the cash that's gonna be left over from the sale of the investment account. But did you guys still have a lot of the cash left over from the ATO release just in savings or return deposit at the moment? Awesome. Do you know what the balance is approximately for that? I just wanna add it for disclosure. Perfect. Just some estimates there. It's perfect. Awesome. So that's pretty much everything that I needed to put the plan together and and get that going. One of the good things at least is hubs increase and improve their transfer facility. So it's very easy for us to plot out the opening of the super account, contributions going in, refreshing, and closing it down again. And it's pretty much just a one, two, three step click of a button on our end, so it's a lot smoother nowadays. Technology's increased. Was there anything else that you wanted me to factor in for this updated plan? K. With the investments on the pension accounts, I was gonna update a little bit of those. I know we spoke about just kind of waiting until we do the contributions to update a few of the options inside the portfolio. Were you wanting me to adjust the risk level at all or just kind of keep it as is, but just give it a bit of a engine tune up? Yeah. Very interesting period around March, but bounced back a bit since but it's it's probably a good time that could clear out that investment account because that's such good growth leading up to the end of twenty '25, and then it's just been a bit up and down with the markets lately. So it's probably not worth letting it sit there and risking it. I know. I do have to ask you, sir. Like, given the budget changes and the change to negative gearing, capital gains tax, and everything, You've obviously seen a lot of different regimes for Howard error in different areas, but how how has it been watching this one on your end? Because I know you mentioned capital gains tax changes to me last year. And now that it's finally happening, I know it's quite inconvenient, but do you have any other thoughts? Yeah. Yep. Be free of that headache and something that I have to sit there and calculate now every year is who purchased what, when, how long do they hold it for, and it's just maybe a bit more complex. But it'll be nice to simplify things for you guys a little bit too. Perfect. Richard, if Yeah. Yeah. It does seem like one of those strange old lifetime pension, but with the tax attached to it. Do you want me to kind of dive into the rules a little bit and see what the options are? Yeah. That'd be a good idea. So, obviously, try and talk you into one thing or the other, but, hopefully, they can just give you some standard information and say, hey. Now that you're past x age, you do have one, two, or three options, or there are some of those old ones where you have the options at the start, but once you elect to it, it's kinda locked in. So fingers crossed. That can be a bit easier too. Yeah. Yeah. It's a bit backwards, isn't it? Because with those defined benefits, they tend to sit there in the background for all these years, and then you get it for a lifetime. But there's no tax upfront, but it's all at the back end. Whereas on this side of things, you're paying all the tax upfront and then tax free afterwards. Rules are a bit strange. They make them up in the decades as they go along. Yeah. Yeah. On top of the taxes that you still continue to pay rather than in receipt. So it's almost a double. Tax free. It's the same thing that happened to my grandparents. My grandfather passed away, but he built he came over from Croatia and built all of these apartment buildings and workshops, and he self funded. But because he has a trust fund and a company, they've just been hit with those new laws to pay the 30 percent minimum tax. So even 82 year old grandmother is now paying 30% tax. Yeah. Absolutely. Again, we'll keep doing our best to get things growing for you, and I will probably have the team reach out to you over the fortnight just to get you booked in to go over that plan. And then we can do the old closures and contributions and everything together. So I'll get working on that straight away and just keep an ear out for a bit of a phone call. Again, if I can talk to both of you on the day just to run through the figures, that would be great. If not, I'll just email it through so you've got some time to read through it. Awesome, Richard. Do you have any questions for me before I let you go, sir? Alrighty. As always, have a fantastic week, and I'll talk to you in a week or two. Thank you, Richard. 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afternoon, mister Ward. It's Tommy here from. How have you been? Alright. Good to hear.\n\nGood to hear. I've got you for a quick catch up about the contribution strategy. Is now still a good time? Perfect. Perfect.\n\nNow I've already run through a lot of the numbers with you guys, and I've got all the updated info in front of me. Do you mind if I just do the usual security check with you, Richard? Perfect. If you could please just confirm your date of birth and address and Mercia's date of birth as well. Yep.\n\nPerfect. Thank you so much for that, Richard. Mate, I'm back in the swing of things a little bit at the moment. Is everything in your mind still kind of in line with what we spoke about last time? Have there been any changes?\n\nYeah. Yeah. Oh, yep. For the myGov for the bring fall. It can be quite quite awkward.\n\nI was having a little bit of a look at it myself on my own account, but, I mean, we do have most of the information from when all the previous contributions were made and previous transaction history. So I'll obviously triple and quadruple check those. Would it be I see. Yep. I see.\n\nYeah. Does it were you able to find that bring forward arrangement button on there and it just came up blank? Or Yep. Absolutely. No.\n\nWhat what I can do is what I'll I'll do just in case is I'll go back through the transaction history with a second pair of eyes just to make sure that's all good. And if it's helpful, I can email you through some screenshots of the buttons to click just to see if you get the same outcome that I get. If you don't mind trying again, if not, we can do without. But just thought that might be helpful. Yeah.\n\nYeah. Yeah. Absolutely. And I'll put together just an updated plan with the specifics of it, which is obviously sell down the investment account and then contribute the 300,000 and do that little bit of a a refresh on Mercia's account. Is that still the intent?\n\nYep. Perfect. Yep. Absolutely. A tiny bit of tax there and then just leave the rest of the savings.\n\nAnd, Richard, while I've got you here, there was two questions that I had. When when we do the recontribution into Mercia's account, because that's gonna bump up the account balance quite considerably, Minimum pension payments will bump up a little bit. So I guess the options are because I think we set it to a thousand dollars a fortnight at the moment just to sort of lower it a little bit. Yeah. So what's gonna happen is it'll that's fine.\n\nK. Cool. I was just gonna check if you didn't want me to keep some of it in the super account and just keep it split. But if you guys don't mind that extra little minimum coming out, that would be better for the earnings to be tax free. Yeah.\n\nAnd I think Marsha still got until age 65 before they increase it to 5%. So she's still got a year and a month before that. And because they work on financial years, it shouldn't be too much of a trouble for a little while. And while I've got you as well, I just wanted to quickly update the details for the fact that I attached with the updated plan. Because, obviously, you guys haven't had any major changes in circumstances in terms of address or emails or anything like that.\n\nI was just going to include an updated property value. So I think we had the home valued at 850,000 last time, but online, it's looking a bit closer to about 1.2 at the moment given the way the market's gone. Is that okay? Yep. And besides the cars, we're factoring in the cash that's gonna be left over from the sale of the investment account.\n\nBut did you guys still have a lot of the cash left over from the ATO release just in savings or return deposit at the moment? Awesome. Do you know what the balance is approximately for that? I just wanna add it for disclosure. Perfect.\n\nJust some estimates there. It's perfect. Awesome. So that's pretty much everything that I needed to put the plan together and and get that going. One of the good things at least is hubs increase and improve their transfer facility.\n\nSo it's very easy for us to plot out the opening of the super account, contributions going in, refreshing, and closing it down again. And it's pretty much just a one, two, three step click of a button on our end, so it's a lot smoother nowadays. Technology's increased. Was there anything else that you wanted me to factor in for this updated plan? K.\n\nWith the investments on the pension accounts, I was gonna update a little bit of those. I know we spoke about just kind of waiting until we do the contributions to update a few of the options inside the portfolio. Were you wanting me to adjust the risk level at all or just kind of keep it as is, but just give it a bit of a engine tune up? Yeah. Very interesting period around March, but bounced back a bit since but it's it's probably a good time that could clear out that investment account because that's such good growth leading up to the end of twenty '25, and then it's just been a bit up and down with the markets lately.\n\nSo it's probably not worth letting it sit there and risking it. I know. I do have to ask you, sir. Like, given the budget changes and the change to negative gearing, capital gains tax, and everything, You've obviously seen a lot of different regimes for Howard error in different areas, but how how has it been watching this one on your end? Because I know you mentioned capital gains tax changes to me last year.\n\nAnd now that it's finally happening, I know it's quite inconvenient, but do you have any other thoughts? Yeah. Yep. Be free of that headache and something that I have to sit there and calculate now every year is who purchased what, when, how long do they hold it for, and it's just maybe a bit more complex. But it'll be nice to simplify things for you guys a little bit too.\n\nPerfect. Richard, if Yeah. Yeah. It does seem like one of those strange old lifetime pension, but with the tax attached to it. Do you want me to kind of dive into the rules a little bit and see what the options are?\n\nYeah. That'd be a good idea. So, obviously, try and talk you into one thing or the other, but, hopefully, they can just give you some standard information and say, hey. Now that you're past x age, you do have one, two, or three options, or there are some of those old ones where you have the options at the start, but once you elect to it, it's kinda locked in. So fingers crossed.\n\nThat can be a bit easier too. Yeah. Yeah. It's a bit backwards, isn't it? Because with those defined benefits, they tend to sit there in the background for all these years, and then you get it for a lifetime.\n\nBut there's no tax upfront, but it's all at the back end. Whereas on this side of things, you're paying all the tax upfront and then tax free afterwards. Rules are a bit strange. They make them up in the decades as they go along. Yeah.\n\nYeah. On top of the taxes that you still continue to pay rather than in receipt. So it's almost a double. Tax free. It's the same thing that happened to my grandparents.\n\nMy grandfather passed away, but he built he came over from Croatia and built all of these apartment buildings and workshops, and he self funded. But because he has a trust fund and a company, they've just been hit with those new laws to pay the 30 percent minimum tax. So even 82 year old grandmother is now paying 30% tax. Yeah. Absolutely.\n\nAgain, we'll keep doing our best to get things growing for you, and I will probably have the team reach out to you over the fortnight just to get you booked in to go over that plan. And then we can do the old closures and contributions and everything together. So I'll get working on that straight away and just keep an ear out for a bit of a phone call. Again, if I can talk to both of you on the day just to run through the figures, that would be great. If not, I'll just email it through so you've got some time to read through it.\n\nAwesome, Richard. Do you have any questions for me before I let you go, sir? Alrighty. As always, have a fantastic week, and I'll talk to you in a week or two. Thank you, Richard.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, mister Ward.","start":2.24,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.2897656187415123},{"text":"It's Tommy here from.","start":3.6799998,"end":4.98,"sentiment":"neutral","sentiment_score":0.16419723257422447},{"text":"How have you been?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.18606273084878922},{"text":"Alright.","start":8.16,"end":8.48,"sentiment":"positive","sentiment_score":0.4076032340526581},{"text":"Good to hear.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.6959426403045654}],"sentiment":"neutral","sentiment_score":0.31597084272652864,"num_words":16,"start":2.24,"end":8.96},{"sentences":[{"text":"Good to hear.","start":8.96,"end":9.599999,"sentiment":"positive","sentiment_score":0.6719691356023153},{"text":"I've got you for a quick catch up about the contribution strategy.","start":9.599999,"end":13.36,"sentiment":"positive","sentiment_score":0.4369830439488093},{"text":"Is now still a good time?","start":13.36,"end":14.74,"sentiment":"neutral","sentiment_score":0.3118804295857747},{"text":"Perfect.","start":17.255,"end":17.654999,"sentiment":"positive","sentiment_score":0.5890506505966187},{"text":"Perfect.","start":17.654999,"end":17.974998,"sentiment":"positive","sentiment_score":0.5452407598495483}],"sentiment":"positive","sentiment_score":0.4463164313979771,"num_words":23,"start":8.96,"end":17.974998},{"sentences":[{"text":"Now I've already run through a lot of the numbers with you guys, and I've got all the updated info in front of me.","start":17.974998,"end":23.735,"sentiment":"neutral","sentiment_score":0.2689318098127842},{"text":"Do you mind if I just do the usual security check with you, Richard?","start":23.735,"end":26.634998,"sentiment":"neutral","sentiment_score":0.051791926978954246},{"text":"Perfect.","start":28.58,"end":28.98,"sentiment":"positive","sentiment_score":0.3575168251991272},{"text":"If you could please just confirm your date of birth and address and Mercia's date of birth as well.","start":28.98,"end":39.3,"sentiment":"neutral","sentiment_score":0.09157630056142807},{"text":"Yep.","start":39.3,"end":39.8,"sentiment":"neutral","sentiment_score":0.05772630125284195}],"sentiment":"neutral","sentiment_score":0.15821429237849632,"num_words":59,"start":17.974998,"end":39.8},{"sentences":[{"text":"Perfect.","start":44.535,"end":45.035,"sentiment":"neutral","sentiment_score":0.2190340757369995},{"text":"Thank you so much for that, Richard.","start":51.414997,"end":53.274998,"sentiment":"positive","sentiment_score":0.7132459964071002},{"text":"Mate, I'm back in the swing of things a little bit at the moment.","start":53.710003,"end":56.690002,"sentiment":"neutral","sentiment_score":0.09142869365002428},{"text":"Is everything in your mind still kind of in line with what we spoke about last time?","start":58.030003,"end":62.43,"sentiment":"neutral","sentiment_score":0.06442397920524373},{"text":"Have there been any changes?","start":62.43,"end":63.730003,"sentiment":"neutral","sentiment_score":-0.04672265723347664}],"sentiment":"neutral","sentiment_score":0.16712163913656364,"num_words":44,"start":44.535,"end":63.730003},{"sentences":[{"text":"Yeah.","start":80.845,"end":81.085,"sentiment":"neutral","sentiment_score":0.013982517644762993},{"text":"Yeah.","start":81.085,"end":81.585,"sentiment":"neutral","sentiment_score":0.005709185265004635},{"text":"Oh, yep.","start":101.955,"end":102.435005,"sentiment":"neutral","sentiment_score":0.000849013973493129},{"text":"For the myGov for the bring fall.","start":102.435005,"end":104.855,"sentiment":"neutral","sentiment_score":0.004570196382701397},{"text":"It can be quite quite awkward.","start":120.635,"end":122.815,"sentiment":"neutral","sentiment_score":-0.25820332020521164}],"sentiment":"neutral","sentiment_score":-0.08799051857032977,"num_words":17,"start":80.845,"end":122.815},{"sentences":[{"text":"I was having a little bit of a look at it myself on my own account, but, I mean, we do have most of the information from when all the previous contributions were made and previous transaction history.","start":123.355,"end":135.61,"sentiment":"neutral","sentiment_score":-0.07325468761356253},{"text":"So I'll obviously triple and quadruple check those.","start":135.99,"end":139.61,"sentiment":"neutral","sentiment_score":-0.03455852344632149},{"text":"Would it be I see.","start":140.79001,"end":158.12,"sentiment":"neutral","sentiment_score":-0.05183213427662849},{"text":"Yep.","start":173.795,"end":174.295,"sentiment":"neutral","sentiment_score":0.030335169285535812},{"text":"I see.","start":181.3,"end":182.04,"sentiment":"neutral","sentiment_score":-0.02397917816415429}],"sentiment":"neutral","sentiment_score":-0.06179500324651599,"num_words":54,"start":123.355,"end":182.04},{"sentences":[{"text":"Yeah.","start":195.445,"end":195.845,"sentiment":"neutral","sentiment_score":-0.029630601406097412},{"text":"Does it were you able to find that bring forward arrangement button on there and it just came up blank?","start":195.845,"end":201.445,"sentiment":"neutral","sentiment_score":-0.05335216000676155},{"text":"Or Yep.","start":201.445,"end":219.095,"sentiment":"neutral","sentiment_score":-0.122775599360466},{"text":"Absolutely.","start":224.755,"end":225.255,"sentiment":"neutral","sentiment_score":-0.2497503012418747},{"text":"No.","start":239.57,"end":240.07,"sentiment":"neutral","sentiment_score":-0.2165909707546234}],"sentiment":"neutral","sentiment_score":-0.07234265089035034,"num_words":25,"start":195.445,"end":240.07},{"sentences":[{"text":"What what I can do is what I'll I'll do just in case is I'll go back through the transaction history with a second pair of eyes just to make sure that's all good.","start":240.13,"end":251.345,"sentiment":"neutral","sentiment_score":0.07155722511165283},{"text":"And if it's helpful, I can email you through some screenshots of the buttons to click just to see if you get the same outcome that I get.","start":251.645,"end":259.32,"sentiment":"neutral","sentiment_score":0.2924876825085708},{"text":"If you don't mind trying again, if not, we can do without.","start":260.02002,"end":262.92,"sentiment":"neutral","sentiment_score":0.07006226417919},{"text":"But just thought that might be helpful.","start":263.30002,"end":265.16,"sentiment":"neutral","sentiment_score":0.16865849920681544},{"text":"Yeah.","start":283.81,"end":284.31,"sentiment":"neutral","sentiment_score":0.0020713508129119873}],"sentiment":"neutral","sentiment_score":0.15421986316398875,"num_words":82,"start":240.13,"end":284.31},{"sentences":[{"text":"Yeah.","start":302.945,"end":303.445,"sentiment":"neutral","sentiment_score":0.012702438980340958},{"text":"Yeah.","start":310.34,"end":310.66,"sentiment":"neutral","sentiment_score":0.25739461183547974},{"text":"Absolutely.","start":310.66,"end":311.16,"sentiment":"positive","sentiment_score":0.45535001158714294},{"text":"And I'll put together just an updated plan with the specifics of it, which is obviously sell down the investment account and then contribute the 300,000 and do that little bit of a a refresh on Mercia's account.","start":311.78,"end":329.20502,"sentiment":"neutral","sentiment_score":0.21741486693683423},{"text":"Is that still the intent?","start":329.345,"end":330.645,"sentiment":"neutral","sentiment_score":0.09367114566266536}],"sentiment":"neutral","sentiment_score":0.2055558203112172,"num_words":46,"start":302.945,"end":330.645},{"sentences":[{"text":"Yep.","start":332.305,"end":332.805,"sentiment":"neutral","sentiment_score":0.24952346086502075},{"text":"Perfect.","start":333.105,"end":333.605,"sentiment":"positive","sentiment_score":0.6967918276786804},{"text":"Yep.","start":339.47,"end":339.97,"sentiment":"neutral","sentiment_score":0.24505262076854703},{"text":"Absolutely.","start":340.03,"end":340.53,"sentiment":"positive","sentiment_score":0.4427531957626343},{"text":"A tiny bit of tax there and then just leave the rest of the savings.","start":341.23,"end":344.77002,"sentiment":"neutral","sentiment_score":0.09304123719533285}],"sentiment":"neutral","sentiment_score":0.15945998226341448,"num_words":19,"start":332.305,"end":344.77002},{"sentences":[{"text":"And, Richard, while I've got you here, there was two questions that I had.","start":347.695,"end":351.075,"sentiment":"neutral","sentiment_score":0.056098202775631635},{"text":"When when we do the recontribution into Mercia's account, because that's gonna bump up the account balance quite considerably, Minimum pension payments will bump up a little bit.","start":351.935,"end":363.91998,"sentiment":"neutral","sentiment_score":0.1043948967541967},{"text":"So I guess the options are because I think we set it to a thousand dollars a fortnight at the moment just to sort of lower it a little bit.","start":365.74,"end":373.44,"sentiment":"neutral","sentiment_score":0.02471963030596574},{"text":"Yeah.","start":376.495,"end":376.81497,"sentiment":"neutral","sentiment_score":0.1983979344367981},{"text":"So what's gonna happen is it'll that's fine.","start":376.81497,"end":381.155,"sentiment":"neutral","sentiment_score":0.11467205174267292}],"sentiment":"neutral","sentiment_score":0.06871352105596919,"num_words":81,"start":347.695,"end":381.155},{"sentences":[{"text":"K.","start":384.25497,"end":384.41498,"sentiment":"neutral","sentiment_score":0.14339463412761688},{"text":"Cool.","start":384.41498,"end":384.655,"sentiment":"positive","sentiment_score":0.36117252707481384},{"text":"I was just gonna check if you didn't want me to keep some of it in the super account and just keep it split.","start":384.655,"end":389.055,"sentiment":"neutral","sentiment_score":0.14372494972000519},{"text":"But if you guys don't mind that extra little minimum coming out, that would be better for the earnings to be tax free.","start":389.055,"end":395.05,"sentiment":"neutral","sentiment_score":0.1382986355734908},{"text":"Yeah.","start":402.795,"end":403.295,"sentiment":"neutral","sentiment_score":0.14946462213993073}],"sentiment":"neutral","sentiment_score":0.1456859838962555,"num_words":50,"start":384.25497,"end":403.295},{"sentences":[{"text":"And I think Marsha still got until age 65 before they increase it to 5%.","start":403.435,"end":409.935,"sentiment":"neutral","sentiment_score":0.1343378469347954},{"text":"So she's still got a year and a month before that.","start":410.23502,"end":413.45502,"sentiment":"neutral","sentiment_score":0.13747630200602792},{"text":"And because they work on financial years, it shouldn't be too much of a trouble for a little while.","start":413.595,"end":418.175,"sentiment":"neutral","sentiment_score":0.19577045268134066},{"text":"And while I've got you as well, I just wanted to quickly update the details for the fact that I attached with the updated plan.","start":422.05002,"end":432.39,"sentiment":"neutral","sentiment_score":0.18030596464872362},{"text":"Because, obviously, you guys haven't had any major changes in circumstances in terms of address or emails or anything like that.","start":432.745,"end":440.365,"sentiment":"neutral","sentiment_score":0.007173358861889158}],"sentiment":"neutral","sentiment_score":0.13082676131155466,"num_words":91,"start":403.435,"end":440.365},{"sentences":[{"text":"I was just going to include an updated property value.","start":441.465,"end":444.76498,"sentiment":"neutral","sentiment_score":0.1775920048356056},{"text":"So I think we had the home valued at 850,000 last time, but online, it's looking a bit closer to about 1.2 at the moment given the way the market's gone.","start":445.15,"end":454.99,"sentiment":"neutral","sentiment_score":-0.05032775542067905},{"text":"Is that okay?","start":454.99,"end":455.88998,"sentiment":"neutral","sentiment_score":-0.05273114703595638},{"text":"Yep.","start":458.445,"end":458.945,"sentiment":"neutral","sentiment_score":0.04422803968191147},{"text":"And besides the cars, we're factoring in the cash that's gonna be left over from the sale of the investment account.","start":459.565,"end":466.385,"sentiment":"neutral","sentiment_score":0.03505526190357549}],"sentiment":"neutral","sentiment_score":0.012696283770668688,"num_words":66,"start":441.465,"end":466.385},{"sentences":[{"text":"But did you guys still have a lot of the cash left over from the ATO release just in savings or return deposit at the moment?","start":466.685,"end":474.97998,"sentiment":"neutral","sentiment_score":0.0012352160321405302},{"text":"Awesome.","start":485.85498,"end":486.255,"sentiment":"positive","sentiment_score":0.4803471565246582},{"text":"Do you know what the balance is approximately for that?","start":486.255,"end":488.57498,"sentiment":"neutral","sentiment_score":0.2080446533858776},{"text":"I just wanna add it for disclosure.","start":488.57498,"end":490.19498,"sentiment":"neutral","sentiment_score":0.07418215487684522},{"text":"Perfect.","start":515.775,"end":516.275,"sentiment":"positive","sentiment_score":0.6269146203994751}],"sentiment":"neutral","sentiment_score":0.08309108915014399,"num_words":45,"start":466.685,"end":516.275},{"sentences":[{"text":"Just some estimates there.","start":517.055,"end":518.515,"sentiment":"positive","sentiment_score":0.42567139863967896},{"text":"It's perfect.","start":518.735,"end":519.555,"sentiment":"positive","sentiment_score":0.699100911617279},{"text":"Awesome.","start":523.17,"end":523.67,"sentiment":"positive","sentiment_score":0.7280781269073486},{"text":"So that's pretty much everything that I needed to put the plan together and and get that going.","start":523.89,"end":529.43,"sentiment":"positive","sentiment_score":0.5610886530743705},{"text":"One of the good things at least is hubs increase and improve their transfer facility.","start":530.05,"end":535.83,"sentiment":"neutral","sentiment_score":0.314863047003746}],"sentiment":"positive","sentiment_score":0.46628767512738706,"num_words":40,"start":517.055,"end":535.83},{"sentences":[{"text":"So it's very easy for us to plot out the opening of the super account, contributions going in, refreshing, and closing it down again.","start":536.375,"end":544.635,"sentiment":"positive","sentiment_score":0.3791786568860213},{"text":"And it's pretty much just a one, two, three step click of a button on our end, so it's a lot smoother nowadays.","start":544.855,"end":550.97,"sentiment":"neutral","sentiment_score":0.3297820052374964},{"text":"Technology's increased.","start":551.19,"end":552.41,"sentiment":"neutral","sentiment_score":0.1963787004351616},{"text":"Was there anything else that you wanted me to factor in for this updated plan?","start":556.15,"end":560.81,"sentiment":"neutral","sentiment_score":0.07853746761878332},{"text":"K.","start":566.935,"end":567.435,"sentiment":"neutral","sentiment_score":-0.0045594582334160805}],"sentiment":"neutral","sentiment_score":0.28079282834839364,"num_words":65,"start":536.375,"end":567.435},{"sentences":[{"text":"With the investments on the pension accounts, I was gonna update a little bit of those.","start":567.975,"end":573.415,"sentiment":"neutral","sentiment_score":0.01827661891002208},{"text":"I know we spoke about just kind of waiting until we do the contributions to update a few of the options inside the portfolio.","start":573.415,"end":580.02,"sentiment":"neutral","sentiment_score":0.03562904614955187},{"text":"Were you wanting me to adjust the risk level at all or just kind of keep it as is, but just give it a bit of a engine tune up?","start":580.96,"end":588.74,"sentiment":"neutral","sentiment_score":0.03541278876364231},{"text":"Yeah.","start":606.91,"end":607.14996,"sentiment":"neutral","sentiment_score":0.022920778021216393},{"text":"Very interesting period around March, but bounced back a bit since but it's it's probably a good time that could clear out that investment account because that's such good growth leading up to the end of twenty '25, and then it's just been a bit up and down with the markets lately.","start":607.14996,"end":624.525,"sentiment":"neutral","sentiment_score":0.2253226203700671}],"sentiment":"neutral","sentiment_score":0.11341141227905344,"num_words":123,"start":567.975,"end":624.525},{"sentences":[{"text":"So it's probably not worth letting it sit there and risking it.","start":624.745,"end":628.125,"sentiment":"negative","sentiment_score":-0.4653865148623784},{"text":"I know.","start":658.87,"end":659.61,"sentiment":"neutral","sentiment_score":-0.10960149392485619},{"text":"I do have to ask you, sir.","start":659.75,"end":661.26996,"sentiment":"neutral","sentiment_score":-0.05767546088567802},{"text":"Like, given the budget changes and the change to negative gearing, capital gains tax, and everything, You've obviously seen a lot of different regimes for Howard error in different areas, but how how has it been watching this one on your end?","start":661.26996,"end":676.35504,"sentiment":"neutral","sentiment_score":-0.07510511803307704},{"text":"Because I know you mentioned capital gains tax changes to me last year.","start":676.35504,"end":680.695,"sentiment":"neutral","sentiment_score":-0.12849019926327926}],"sentiment":"neutral","sentiment_score":-0.14516259131855086,"num_words":76,"start":624.745,"end":680.695},{"sentences":[{"text":"And now that it's finally happening, I know it's quite inconvenient, but do you have any other thoughts?","start":681.08997,"end":687.67,"sentiment":"neutral","sentiment_score":-0.14790289207465118},{"text":"Yeah.","start":716.98004,"end":717.48004,"sentiment":"neutral","sentiment_score":0.058747850358486176},{"text":"Yep.","start":731.135,"end":731.635,"sentiment":"neutral","sentiment_score":0.22360312938690183},{"text":"Be free of that headache and something that I have to sit there and calculate now every year is who purchased what, when, how long do they hold it for, and it's just maybe a bit more complex.","start":732.09503,"end":741.91003,"sentiment":"neutral","sentiment_score":0.0762108743778969},{"text":"But it'll be nice to simplify things for you guys a little bit too.","start":742.21,"end":745.43,"sentiment":"positive","sentiment_score":0.4495431376355035}],"sentiment":"neutral","sentiment_score":0.09457938993970554,"num_words":72,"start":681.08997,"end":745.43},{"sentences":[{"text":"Perfect.","start":749.73,"end":750.23,"sentiment":"positive","sentiment_score":0.6085090637207031},{"text":"Richard, if Yeah.","start":751.09,"end":768.60004,"sentiment":"neutral","sentiment_score":0.002697005867958069},{"text":"Yeah.","start":790.47,"end":790.97,"sentiment":"neutral","sentiment_score":-0.08775720000267029},{"text":"It does seem like one of those strange old lifetime pension, but with the tax attached to it.","start":805.235,"end":812.615,"sentiment":"neutral","sentiment_score":-0.32576720747682786},{"text":"Do you want me to kind of dive into the rules a little bit and see what the options are?","start":812.995,"end":816.84,"sentiment":"neutral","sentiment_score":-0.2013213314116001}],"sentiment":"neutral","sentiment_score":-0.2177068251509999,"num_words":43,"start":749.73,"end":816.84},{"sentences":[{"text":"Yeah.","start":838.27496,"end":838.675,"sentiment":"neutral","sentiment_score":0.14498642086982727},{"text":"That'd be a good idea.","start":838.675,"end":839.895,"sentiment":"positive","sentiment_score":0.38356963396072385},{"text":"So, obviously, try and talk you into one thing or the other, but, hopefully, they can just give you some standard information and say, hey.","start":840.755,"end":846.615,"sentiment":"neutral","sentiment_score":0.13310973599553108},{"text":"Now that you're past x age, you do have one, two, or three options, or there are some of those old ones where you have the options at the start, but once you elect to it, it's kinda locked in.","start":846.99,"end":858.43,"sentiment":"neutral","sentiment_score":0.03213572036474943},{"text":"So fingers crossed.","start":858.43,"end":860.05,"sentiment":"neutral","sentiment_score":0.06035996104280154}],"sentiment":"neutral","sentiment_score":0.09266333362540684,"num_words":74,"start":838.27496,"end":860.05},{"sentences":[{"text":"That can be a bit easier too.","start":860.825,"end":862.445,"sentiment":"neutral","sentiment_score":0.14521403504269464},{"text":"Yeah.","start":877.43,"end":877.93,"sentiment":"neutral","sentiment_score":0.06151379644870758},{"text":"Yeah.","start":885.19,"end":885.69,"sentiment":"neutral","sentiment_score":-0.1481780856847763},{"text":"It's a bit backwards, isn't it?","start":898.42,"end":900.26,"sentiment":"negative","sentiment_score":-0.39563774069150287},{"text":"Because with those defined benefits, they tend to sit there in the background for all these years, and then you get it for a lifetime.","start":900.26,"end":908.84,"sentiment":"neutral","sentiment_score":-0.16701383799314498}],"sentiment":"neutral","sentiment_score":-0.1404834609478712,"num_words":40,"start":860.825,"end":908.84},{"sentences":[{"text":"But there's no tax upfront, but it's all at the back end.","start":909.22003,"end":912.015,"sentiment":"neutral","sentiment_score":-0.15903662020961443},{"text":"Whereas on this side of things, you're paying all the tax upfront and then tax free afterwards.","start":912.495,"end":916.435,"sentiment":"neutral","sentiment_score":-0.07752457392566345},{"text":"Rules are a bit strange.","start":918.655,"end":920.03503,"sentiment":"negative","sentiment_score":-0.33845541477203367},{"text":"They make them up in the decades as they go along.","start":920.175,"end":922.59503,"sentiment":"neutral","sentiment_score":-0.22180594232949344},{"text":"Yeah.","start":947.245,"end":947.745,"sentiment":"neutral","sentiment_score":-0.004872005432844162}],"sentiment":"neutral","sentiment_score":-0.16007329661237157,"num_words":46,"start":909.22003,"end":947.745},{"sentences":[{"text":"Yeah.","start":960.17004,"end":960.67004,"sentiment":"neutral","sentiment_score":-0.0643172338604927},{"text":"On top of the taxes that you still continue to pay rather than in receipt.","start":960.89,"end":966.305,"sentiment":"neutral","sentiment_score":-0.1122242068250974},{"text":"So it's almost a double.","start":966.305,"end":967.445,"sentiment":"neutral","sentiment_score":-0.19045581221580504},{"text":"Tax free.","start":990.675,"end":991.495,"sentiment":"neutral","sentiment_score":-0.11472714319825172},{"text":"It's the same thing that happened to my grandparents.","start":1000.835,"end":1003.575,"sentiment":"neutral","sentiment_score":-0.0929559792081515}],"sentiment":"neutral","sentiment_score":-0.11768804676830769,"num_words":32,"start":960.17004,"end":1003.575},{"sentences":[{"text":"My grandfather passed away, but he built he came over from Croatia and built all of these apartment buildings and workshops, and he self funded.","start":1003.875,"end":1013.30005,"sentiment":"neutral","sentiment_score":-0.0889808849990368},{"text":"But because he has a trust fund and a company, they've just been hit with those new laws to pay the 30 percent minimum tax.","start":1013.30005,"end":1020.92004,"sentiment":"neutral","sentiment_score":-0.1803545343875885},{"text":"So even 82 year old grandmother is now paying 30% tax.","start":1021.175,"end":1025.515,"sentiment":"neutral","sentiment_score":-0.22752445394342596},{"text":"Yeah.","start":1029.815,"end":1030.315,"sentiment":"neutral","sentiment_score":-0.1817108392715454},{"text":"Absolutely.","start":1044.12,"end":1044.62,"sentiment":"neutral","sentiment_score":0.051246315240859985}],"sentiment":"neutral","sentiment_score":-0.14867649209641276,"num_words":63,"start":1003.875,"end":1044.62},{"sentences":[{"text":"Again, we'll keep doing our best to get things growing for you, and I will probably have the team reach out to you over the fortnight just to get you booked in to go over that plan.","start":1045.4801,"end":1056.705,"sentiment":"neutral","sentiment_score":0.17132670512875994},{"text":"And then we can do the old closures and contributions and everything together.","start":1056.9249,"end":1062.5449,"sentiment":"neutral","sentiment_score":0.06705048393744689},{"text":"So I'll get working on that straight away and just keep an ear out for a bit of a phone call.","start":1063.11,"end":1068.73,"sentiment":"neutral","sentiment_score":0.11460822341697556},{"text":"Again, if I can talk to both of you on the day just to run through the figures, that would be great.","start":1069.11,"end":1075.29,"sentiment":"neutral","sentiment_score":0.21287928995761005},{"text":"If not, I'll just email it through so you've got some time to read through it.","start":1075.925,"end":1079.625,"sentiment":"neutral","sentiment_score":0.04309582756832242}],"sentiment":"neutral","sentiment_score":0.1375265568153027,"num_words":109,"start":1045.4801,"end":1079.625},{"sentences":[{"text":"Awesome, Richard.","start":1082.485,"end":1083.205,"sentiment":"positive","sentiment_score":0.4837215840816498},{"text":"Do you have any questions for me before I let you go, sir?","start":1083.205,"end":1086.1849,"sentiment":"neutral","sentiment_score":0.01911914377258374},{"text":"Alrighty.","start":1089.38,"end":1089.86,"sentiment":"positive","sentiment_score":0.6226475238800049},{"text":"As always, have a fantastic week, and I'll talk to you in a week or two.","start":1089.86,"end":1094.6,"sentiment":"positive","sentiment_score":0.6111877225339413},{"text":"Thank you, Richard.","start":1097.38,"end":1098.34,"sentiment":"positive","sentiment_score":0.7059043248494467}],"sentiment":"positive","sentiment_score":0.3924387456050941,"num_words":35,"start":1082.485,"end":1098.34},{"sentences":[{"text":"Bye.","start":1098.34,"end":1098.84,"sentiment":"neutral","sentiment_score":-0.10877682268619536}],"sentiment":"neutral","sentiment_score":-0.10877682268619536,"num_words":1,"start":1098.34,"end":1098.84}]}}]},{"alternatives":[{"transcript":"Not too bad. Thanks. Yeah. Yeah. Not a problem. Yep. Okay. 01/06/1955. That's 17 Maria Court, Pacific Pines, and the 08/06/1962. Well, no no changes to intent, but I spoke to one of the girls in the office there a couple of weeks ago. He asked me to check the status of Merissa's contributions on on the tax office website. Yeah. Yeah. Well, I tried a dozen times, like, I can't bloody work out this stupidity on the tax office or my gov. Mhmm. Yeah. It's it's well, what I what I found when I was trying to look is that I don't think the the ATO or myGov has been updated for this financial year. Mine has on on my myGov. It shows the current superannuation balance as at the 06/30/2025 '20 '26, sorry, this year, but Mercers doesn't. And if you go I'm trying to find details about the contribution status. It's there's nothing nothing there. Nothing listed that I can find. But anyway. Couldn't find anything about bring forward. If I go into the ATO website, log in to that, it directs me straight back to my gov. And the my gov is bloody hopeless. I don't think they've updated very regularly or so. I don't know. It's they never find anything you're looking for in my gut. Well, I can't, anyway. Yes. Yep. Yeah. Well, it doesn't it doesn't concern me too much. I was just trying to find that detail because she asked me to take a screenshot and send it through to her, but I could find nothing. But but we know that the bring forward the previous bring forward arrangement was 2324 financial year. So as of this current financial year, we should be clear to repeat that. Yep. Yeah. Yeah. Yeah. And the and the balance of whatever that is just into our savings. Yeah. Yeah. Yep. Yep. Yep. Mhmm. Yep. Just to try to head over there. Yeah. That's fine. But whatever whatever the minimum is, I think that's fine. We'll deal with that. Yeah. Yeah. Yeah. I'm sure mine's spare to go up again anyways. Mhmm. No. No. It's all fine. Mhmm. Probably. Yeah. Yeah. In in terms of well, it's in her I and Z plus account. It's we're getting the in for 5% on that. Well, what I have, I got a 140 yeah. 142,000 in my ANZ Plus account. And this is, I think, about 126. Mhmm. Mhmm. Okay. I don't think so. I think as is, it seems to be seems to have been doing pretty well. The last few months has been pretty ordinary, but up till then, it was yeah. Yep. Yeah. Yeah. Well, that's what I thought it means. Once that's out of the way, we don't have to worry about capital gains after this year, and it's just an embarguance to like, I've been retired there five years, and I'm still battling with the bloody tax office. Well, like I said, once once this that investment account is is finished up, then I've got no I don't think I've got any exposure to capital gains unless they try to attach capital gains to your primary residence, which is not unlikely with this mob. But yeah. So, yeah, hopefully, that's we'll sort this out out, and then I'll be clear and free of capital gains. Yeah. I would I mean, actually, I would like to, but I would like to have a chat to the about my ADF pension. Like, it's listed in my in my garbage listed as a super a superannuation, but I'm still having to pay tax on it in retirement. Just wondering if I could if that can be cashed out, if I can cash that out. I think I've I've probably get in touch with Veterans Affairs and find out directly from them what the situation is, what I can do and can't do. Yeah. Yeah. Well, that's right. When I when I got out of the army, I you had a computation available to you, which I which I took to buy my first property. I commuted a certain percentage and then got the I've been getting the pension ever since. But I was sort of thinking now that I'm retired. Why should I be still paying bloody tax on it? Yes. Indeed. I mean, the whole the whole tax system for for me is, like, I'm a I don't claim pension. Alright? I'm self funded retiree. So which in effect means I'm donating the equivalent of an old age pension to the government for nothing. Yeah. Yeah. I mean, if I didn't look after my bloody finances and I was, you know, drawing a pension, I'd be a you don't even know what the pension is. But, you know, $3,040,000 dollar a year drain on the government or as a self funded retiree, I'm basically giving that to the to the government. Yes. Yeah. Bloody criminal. Carry on carrying on, I guess. Yeah. Yeah. Yep. Mhmm. Okay. That'll be great. Nope. Nope. That's all good. Thanks. Okay. Thank you. 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Thanks. Yeah. Yeah. Not a problem.\n\nYep. Okay. 01/06/1955. That's 17 Maria Court, Pacific Pines, and the 08/06/1962. Well, no no changes to intent, but I spoke to one of the girls in the office there a couple of weeks ago.\n\nHe asked me to check the status of Merissa's contributions on on the tax office website. Yeah. Yeah. Well, I tried a dozen times, like, I can't bloody work out this stupidity on the tax office or my gov. Mhmm.\n\nYeah. It's it's well, what I what I found when I was trying to look is that I don't think the the ATO or myGov has been updated for this financial year. Mine has on on my myGov. It shows the current superannuation balance as at the 06/30/2025 '20 '26, sorry, this year, but Mercers doesn't. And if you go I'm trying to find details about the contribution status.\n\nIt's there's nothing nothing there. Nothing listed that I can find. But anyway. Couldn't find anything about bring forward. If I go into the ATO website, log in to that, it directs me straight back to my gov.\n\nAnd the my gov is bloody hopeless. I don't think they've updated very regularly or so. I don't know. It's they never find anything you're looking for in my gut. Well, I can't, anyway.\n\nYes. Yep. Yeah. Well, it doesn't it doesn't concern me too much. I was just trying to find that detail because she asked me to take a screenshot and send it through to her, but I could find nothing.\n\nBut but we know that the bring forward the previous bring forward arrangement was 2324 financial year. So as of this current financial year, we should be clear to repeat that. Yep. Yeah. Yeah.\n\nYeah. And the and the balance of whatever that is just into our savings. Yeah. Yeah. Yep.\n\nYep. Yep. Mhmm. Yep. Just to try to head over there.\n\nYeah. That's fine. But whatever whatever the minimum is, I think that's fine. We'll deal with that. Yeah.\n\nYeah. Yeah. I'm sure mine's spare to go up again anyways. Mhmm. No.\n\nNo. It's all fine. Mhmm. Probably. Yeah.\n\nYeah. In in terms of well, it's in her I and Z plus account. It's we're getting the in for 5% on that. Well, what I have, I got a 140 yeah. 142,000 in my ANZ Plus account.\n\nAnd this is, I think, about 126. Mhmm. Mhmm. Okay. I don't think so.\n\nI think as is, it seems to be seems to have been doing pretty well. The last few months has been pretty ordinary, but up till then, it was yeah. Yep. Yeah. Yeah.\n\nWell, that's what I thought it means. Once that's out of the way, we don't have to worry about capital gains after this year, and it's just an embarguance to like, I've been retired there five years, and I'm still battling with the bloody tax office. Well, like I said, once once this that investment account is is finished up, then I've got no I don't think I've got any exposure to capital gains unless they try to attach capital gains to your primary residence, which is not unlikely with this mob. But yeah. So, yeah, hopefully, that's we'll sort this out out, and then I'll be clear and free of capital gains.\n\nYeah. I would I mean, actually, I would like to, but I would like to have a chat to the about my ADF pension. Like, it's listed in my in my garbage listed as a super a superannuation, but I'm still having to pay tax on it in retirement. Just wondering if I could if that can be cashed out, if I can cash that out. I think I've I've probably get in touch with Veterans Affairs and find out directly from them what the situation is, what I can do and can't do.\n\nYeah. Yeah. Well, that's right. When I when I got out of the army, I you had a computation available to you, which I which I took to buy my first property. I commuted a certain percentage and then got the I've been getting the pension ever since.\n\nBut I was sort of thinking now that I'm retired. Why should I be still paying bloody tax on it? Yes. Indeed. I mean, the whole the whole tax system for for me is, like, I'm a I don't claim pension.\n\nAlright? I'm self funded retiree. So which in effect means I'm donating the equivalent of an old age pension to the government for nothing. Yeah. Yeah.\n\nI mean, if I didn't look after my bloody finances and I was, you know, drawing a pension, I'd be a you don't even know what the pension is. But, you know, $3,040,000 dollar a year drain on the government or as a self funded retiree, I'm basically giving that to the to the government. Yes. Yeah. Bloody criminal.\n\nCarry on carrying on, I guess. Yeah. Yeah. Yep. Mhmm.\n\nOkay. That'll be great. Nope. Nope. That's all good.\n\nThanks. Okay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Not too bad.","start":6.48,"end":7.04,"sentiment":"neutral","sentiment_score":0.3163218100865682},{"text":"Thanks.","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.5709412693977356},{"text":"Yeah.","start":15.184999,"end":15.584999,"sentiment":"neutral","sentiment_score":0.2003410905599594},{"text":"Yeah.","start":15.584999,"end":16.085,"sentiment":"neutral","sentiment_score":0.31552231311798096},{"text":"Not a problem.","start":26.625,"end":27.425,"sentiment":"neutral","sentiment_score":0.18609265486399332}],"sentiment":"neutral","sentiment_score":0.28822756310304004,"num_words":9,"start":6.48,"end":27.425},{"sentences":[{"text":"Yep.","start":27.425,"end":27.78,"sentiment":"neutral","sentiment_score":0.17767253518104553},{"text":"Okay.","start":36.02,"end":36.42,"sentiment":"neutral","sentiment_score":0.0421348512172699},{"text":"01/06/1955.","start":36.42,"end":38.68,"sentiment":"neutral","sentiment_score":0.03026765212416649},{"text":"That's 17 Maria Court, Pacific Pines, and the 08/06/1962.","start":40.865,"end":50.645,"sentiment":"neutral","sentiment_score":0.055335128472910985},{"text":"Well, no no changes to intent, but I spoke to one of the girls in the office there a couple of weeks ago.","start":67.27,"end":78.655,"sentiment":"neutral","sentiment_score":-0.025493484840768833}],"sentiment":"neutral","sentiment_score":0.004621172669742789,"num_words":35,"start":27.425,"end":78.655},{"sentences":[{"text":"He asked me to check the status of Merissa's contributions on on the tax office website.","start":78.655,"end":100.805,"sentiment":"neutral","sentiment_score":-0.001055364788044244},{"text":"Yeah.","start":104.385,"end":104.705,"sentiment":"neutral","sentiment_score":-0.002443987876176834},{"text":"Yeah.","start":104.705,"end":105.205,"sentiment":"neutral","sentiment_score":-0.01428871788084507},{"text":"Well, I tried a dozen times, like, I can't bloody work out this stupidity on the tax office or my gov.","start":105.425,"end":119.25,"sentiment":"neutral","sentiment_score":-0.2835491732472465},{"text":"Mhmm.","start":128.505,"end":129.005,"sentiment":"neutral","sentiment_score":-0.04485204815864563}],"sentiment":"neutral","sentiment_score":-0.1508250807179138,"num_words":40,"start":78.655,"end":129.005},{"sentences":[{"text":"Yeah.","start":140.425,"end":140.825,"sentiment":"neutral","sentiment_score":0.0005994141101837158},{"text":"It's it's well, what I what I found when I was trying to look is that I don't think the the ATO or myGov has been updated for this financial year.","start":140.825,"end":156.33,"sentiment":"neutral","sentiment_score":-0.14535400631927675},{"text":"Mine has on on my myGov.","start":158.745,"end":161.00499,"sentiment":"neutral","sentiment_score":-0.06256393839915593},{"text":"It shows the current superannuation balance as at the 06/30/2025 '20 '26, sorry, this year, but Mercers doesn't.","start":163.705,"end":180.25,"sentiment":"neutral","sentiment_score":-0.023125290146304503},{"text":"And if you go I'm trying to find details about the contribution status.","start":182.595,"end":189.975,"sentiment":"neutral","sentiment_score":-0.026134249252768662}],"sentiment":"neutral","sentiment_score":-0.08169215761017108,"num_words":69,"start":140.425,"end":189.975},{"sentences":[{"text":"It's there's nothing nothing there.","start":190.515,"end":192.595,"sentiment":"neutral","sentiment_score":-0.24347369372844696},{"text":"Nothing listed that I can find.","start":192.595,"end":194.455,"sentiment":"neutral","sentiment_score":-0.18485084424416223},{"text":"But anyway.","start":196.27501,"end":197.015,"sentiment":"neutral","sentiment_score":-0.013840030878782272},{"text":"Couldn't find anything about bring forward.","start":206.48,"end":208.66,"sentiment":"neutral","sentiment_score":-0.175729900598526},{"text":"If I go into the ATO website, log in to that, it directs me straight back to my gov.","start":209.12,"end":217.485,"sentiment":"neutral","sentiment_score":-0.015299990086963302}],"sentiment":"neutral","sentiment_score":-0.09734823187126924,"num_words":38,"start":190.515,"end":217.485},{"sentences":[{"text":"And the my gov is bloody hopeless.","start":218.905,"end":223.08499,"sentiment":"negative","sentiment_score":-0.6209040709904262},{"text":"I don't think they've updated very regularly or so.","start":226.025,"end":230.66,"sentiment":"negative","sentiment_score":-0.4029359552595351},{"text":"I don't know.","start":230.66,"end":231.38,"sentiment":"neutral","sentiment_score":-0.28651457528273266},{"text":"It's they never find anything you're looking for in my gut.","start":231.38,"end":238.68001,"sentiment":"negative","sentiment_score":-0.47233372113921424},{"text":"Well, I can't, anyway.","start":239.94,"end":241.24,"sentiment":"neutral","sentiment_score":-0.1687241792678833}],"sentiment":"negative","sentiment_score":-0.4324371608741143,"num_words":34,"start":218.905,"end":241.24},{"sentences":[{"text":"Yes.","start":251.845,"end":252.345,"sentiment":"neutral","sentiment_score":0.21075892448425293},{"text":"Yep.","start":259.66,"end":260.16,"sentiment":"neutral","sentiment_score":0.19710734486579895},{"text":"Yeah.","start":268.7,"end":269.1,"sentiment":"neutral","sentiment_score":0.12605102360248566},{"text":"Well, it doesn't it doesn't concern me too much.","start":269.1,"end":274.915,"sentiment":"neutral","sentiment_score":0.010205539357331064},{"text":"I was just trying to find that detail because she asked me to take a screenshot and send it through to her, but I could find nothing.","start":275.135,"end":285.715,"sentiment":"neutral","sentiment_score":0.022292617777431453}],"sentiment":"neutral","sentiment_score":0.03147866223485042,"num_words":39,"start":251.845,"end":285.715},{"sentences":[{"text":"But but we know that the bring forward the previous bring forward arrangement was 2324 financial year.","start":287.19998,"end":301.515,"sentiment":"neutral","sentiment_score":-0.026081071728292632},{"text":"So as of this current financial year, we should be clear to repeat 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there.","start":373.6,"end":374.96002,"sentiment":"neutral","sentiment_score":0.004895419148462159}],"sentiment":"neutral","sentiment_score":0.03367565115067092,"num_words":11,"start":351.47998,"end":374.96002},{"sentences":[{"text":"Yeah.","start":374.96002,"end":375.2,"sentiment":"neutral","sentiment_score":0.1702820062637329},{"text":"That's fine.","start":375.2,"end":375.94,"sentiment":"neutral","sentiment_score":0.268185093998909},{"text":"But whatever whatever the minimum is, I think that's fine.","start":376.88,"end":382.24002,"sentiment":"neutral","sentiment_score":0.18316627964377402},{"text":"We'll deal with that.","start":382.24002,"end":383.12003,"sentiment":"neutral","sentiment_score":0.1820298694074154},{"text":"Yeah.","start":383.12003,"end":383.62003,"sentiment":"neutral","sentiment_score":0.13331255316734314}],"sentiment":"neutral","sentiment_score":0.188874834527572,"num_words":18,"start":374.96002,"end":383.62003},{"sentences":[{"text":"Yeah.","start":393.735,"end":394.235,"sentiment":"neutral","sentiment_score":0.13177472352981567},{"text":"Yeah.","start":397.655,"end":397.97498,"sentiment":"neutral","sentiment_score":0.15864238142967224},{"text":"I'm sure mine's spare to go up again 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fine.","start":440.665,"end":441.725,"sentiment":"neutral","sentiment_score":0.31495241820812225},{"text":"Mhmm.","start":453.86502,"end":454.32,"sentiment":"neutral","sentiment_score":-0.060522474348545074},{"text":"Probably.","start":455.28,"end":455.78,"sentiment":"neutral","sentiment_score":-0.0726778507232666},{"text":"Yeah.","start":456.32,"end":456.82,"sentiment":"neutral","sentiment_score":0.009339477866888046}],"sentiment":"neutral","sentiment_score":0.0777793957718781,"num_words":7,"start":439.545,"end":456.82},{"sentences":[{"text":"Yeah.","start":456.88,"end":457.38,"sentiment":"neutral","sentiment_score":0.026656195521354675},{"text":"In in terms of well, it's in her I and Z plus account.","start":474.76498,"end":481.52002,"sentiment":"neutral","sentiment_score":0.04041845809954863},{"text":"It's we're getting the in for 5% on that.","start":481.66,"end":484.72,"sentiment":"neutral","sentiment_score":0.09674396779802111},{"text":"Well, what I have, I got a 140 yeah.","start":494.94,"end":500.345,"sentiment":"neutral","sentiment_score":0.06619869752062692},{"text":"142,000 in my ANZ Plus account.","start":500.345,"end":505.805,"sentiment":"neutral","sentiment_score":0.10576277350385983}],"sentiment":"neutral","sentiment_score":0.06981991525543363,"num_words":38,"start":456.88,"end":505.805},{"sentences":[{"text":"And this is, I think, about 126.","start":508.105,"end":512.97003,"sentiment":"neutral","sentiment_score":0.09113195964268275},{"text":"Mhmm.","start":530.005,"end":530.505,"sentiment":"neutral","sentiment_score":0.16195963323116302},{"text":"Mhmm.","start":545.3,"end":545.8,"sentiment":"neutral","sentiment_score":0.23733045160770416},{"text":"Okay.","start":554.195,"end":554.695,"sentiment":"neutral","sentiment_score":0.097717747092247},{"text":"I don't think so.","start":563.24,"end":564.38,"sentiment":"neutral","sentiment_score":-0.0757359629496932}],"sentiment":"neutral","sentiment_score":0.05942769268793719,"num_words":14,"start":508.105,"end":564.38},{"sentences":[{"text":"I think as is, it seems to be seems to have been doing pretty well.","start":591.41,"end":597.19,"sentiment":"neutral","sentiment_score":0.13984303375085194},{"text":"The last few months has been pretty ordinary, but up till then, it was yeah.","start":598.53,"end":609.72504,"sentiment":"neutral","sentiment_score":-0.030675136918822923},{"text":"Yep.","start":620.35,"end":620.85,"sentiment":"neutral","sentiment_score":0.22382941842079165},{"text":"Yeah.","start":632.11,"end":632.51,"sentiment":"neutral","sentiment_score":0.013120286166667938},{"text":"Yeah.","start":632.51,"end":633.01,"sentiment":"neutral","sentiment_score":0.05168705061078072}],"sentiment":"neutral","sentiment_score":0.058368339626626534,"num_words":33,"start":591.41,"end":633.01},{"sentences":[{"text":"Well, that's what I thought it means.","start":633.07,"end":637.27496,"sentiment":"neutral","sentiment_score":0.2149410162653242},{"text":"Once that's out of the way, we don't have to worry about capital gains after this year, and it's just an embarguance to like, I've been retired there five years, and I'm still battling with the bloody tax office.","start":638.855,"end":657.91,"sentiment":"neutral","sentiment_score":-0.008338452292940555},{"text":"Well, like I said, once once this that investment account is is finished up, then I've got no I don't think I've got any exposure to capital gains unless they try to attach capital gains to your primary residence, which is not unlikely with this mob.","start":691.19,"end":715.53,"sentiment":"neutral","sentiment_score":-0.06591515684419352},{"text":"But yeah.","start":719.35004,"end":720.09,"sentiment":"neutral","sentiment_score":0.05767681822180748},{"text":"So, yeah, hopefully, that's we'll sort this out out, and then I'll be clear and free of capital 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Veterans Affairs and find out directly from them what the situation is, what I can do and can't do.","start":822.24,"end":836.95496,"sentiment":"neutral","sentiment_score":-0.12098747890974794}],"sentiment":"neutral","sentiment_score":-0.08655082319486648,"num_words":94,"start":750.675,"end":836.95496},{"sentences":[{"text":"Yeah.","start":859.23505,"end":859.555,"sentiment":"neutral","sentiment_score":0.07761713862419128},{"text":"Yeah.","start":859.555,"end":860.055,"sentiment":"neutral","sentiment_score":0.13686434924602509},{"text":"Well, that's right.","start":861.075,"end":861.79504,"sentiment":"neutral","sentiment_score":0.18830603857835135},{"text":"When I when I got out of the army, I you had a computation available to you, which I which I took to buy my first property.","start":861.79504,"end":874.27997,"sentiment":"neutral","sentiment_score":0.027011275705364015},{"text":"I commuted a certain percentage and then got the I've been getting the pension ever since.","start":877.45996,"end":882.27997,"sentiment":"neutral","sentiment_score":0.05992071912623942}],"sentiment":"neutral","sentiment_score":0.05140490736812353,"num_words":48,"start":859.23505,"end":882.27997},{"sentences":[{"text":"But I was sort of thinking now that I'm retired.","start":884.74,"end":889.315,"sentiment":"neutral","sentiment_score":-0.2635263167321682},{"text":"Why should I be still paying bloody tax on it?","start":894.015,"end":896.83496,"sentiment":"negative","sentiment_score":-0.5784548640251159},{"text":"Yes.","start":924.115,"end":924.515,"sentiment":"neutral","sentiment_score":-0.0036690477281808857},{"text":"Indeed.","start":924.515,"end":925.015,"sentiment":"neutral","sentiment_score":-0.03552679717540741},{"text":"I mean, the whole the whole tax system for for me is, like, I'm a I don't claim pension.","start":925.395,"end":945.235,"sentiment":"neutral","sentiment_score":-0.11781573315200053}],"sentiment":"neutral","sentiment_score":-0.2609147946918156,"num_words":41,"start":884.74,"end":945.235},{"sentences":[{"text":"Alright?","start":945.375,"end":945.875,"sentiment":"neutral","sentiment_score":-0.0224766805768013},{"text":"I'm self funded retiree.","start":947.055,"end":948.59503,"sentiment":"neutral","sentiment_score":0.026028283406049013},{"text":"So which in effect means I'm donating the equivalent of an old age pension to the government for nothing.","start":950.495,"end":958.8,"sentiment":"neutral","sentiment_score":-0.006866127252578735},{"text":"Yeah.","start":964.62,"end":965.12,"sentiment":"neutral","sentiment_score":-0.0925990864634514},{"text":"Yeah.","start":970.14496,"end":970.64496,"sentiment":"neutral","sentiment_score":-0.08920598030090332}],"sentiment":"neutral","sentiment_score":-0.00887019351984446,"num_words":26,"start":945.375,"end":970.64496},{"sentences":[{"text":"I mean, if I didn't look after my bloody finances and I was, you know, drawing a pension, I'd be a you don't even know what the pension is.","start":970.705,"end":983.02997,"sentiment":"neutral","sentiment_score":-0.1477353935097826},{"text":"But, you know, $3,040,000 dollar a year drain on the government or as a self funded retiree, I'm basically giving that to the to the government.","start":985.64996,"end":998.235,"sentiment":"neutral","sentiment_score":-0.09022848154059969},{"text":"Yes.","start":1019.33997,"end":1019.83997,"sentiment":"neutral","sentiment_score":-0.09035692363977432},{"text":"Yeah.","start":1026.955,"end":1027.435,"sentiment":"neutral","sentiment_score":-0.26831144094467163},{"text":"Bloody criminal.","start":1027.435,"end":1028.415,"sentiment":"negative","sentiment_score":-0.43272507190704346}],"sentiment":"neutral","sentiment_score":-0.1331251769531834,"num_words":59,"start":970.705,"end":1028.415},{"sentences":[{"text":"Carry on carrying on, I guess.","start":1040.85,"end":1042.87,"sentiment":"neutral","sentiment_score":-0.16861468056837717},{"text":"Yeah.","start":1057.025,"end":1057.345,"sentiment":"neutral","sentiment_score":0.06867042928934097},{"text":"Yeah.","start":1057.345,"end":1057.845,"sentiment":"neutral","sentiment_score":0.08459652215242386},{"text":"Yep.","start":1062.21,"end":1062.71,"sentiment":"neutral","sentiment_score":0.0936245545744896},{"text":"Mhmm.","start":1063.49,"end":1063.99,"sentiment":"neutral","sentiment_score":0.07568114250898361}],"sentiment":"neutral","sentiment_score":-0.06891154348850251,"num_words":10,"start":1040.85,"end":1063.99},{"sentences":[{"text":"Okay.","start":1080.165,"end":1080.665,"sentiment":"neutral","sentiment_score":0.19955545663833615},{"text":"That'll be great.","start":1082.725,"end":1083.785,"sentiment":"positive","sentiment_score":0.3846160074075063},{"text":"Nope.","start":1085.605,"end":1086.105,"sentiment":"neutral","sentiment_score":-0.20179784297943115},{"text":"Nope.","start":1086.405,"end":1086.645,"sentiment":"neutral","sentiment_score":-0.07537300884723663},{"text":"That's all good.","start":1086.645,"end":1087.4451,"sentiment":"positive","sentiment_score":0.5315248966217041}],"sentiment":"neutral","sentiment_score":0.2967563685443666,"num_words":9,"start":1080.165,"end":1087.4451},{"sentences":[{"text":"Thanks.","start":1087.4451,"end":1087.9451,"sentiment":"positive","sentiment_score":0.6603585481643677},{"text":"Okay.","start":1095.005,"end":1095.325,"sentiment":"positive","sentiment_score":0.4138200879096985},{"text":"Thank you.","start":1095.325,"end":1096.045,"sentiment":"positive","sentiment_score":0.734516441822052},{"text":"Bye.","start":1096.045,"end":1096.545,"sentiment":"positive","sentiment_score":0.44189023971557617}],"sentiment":"positive","sentiment_score":0.5970203518867493,"num_words":5,"start":1087.4451,"end":1096.545}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, mister Ward. It's Tommy here from. How have you been?\n\nChannel 1: Not too bad. Thanks.\n\nChannel 0: Alright. Good to hear. Good to hear. I've got you for a quick catch up about the contribution strategy. Is now still a good time?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. Perfect. Now I've already run through a lot of the numbers with you guys, and I've got all the updated info in front of me. Do you mind if I just do the usual security check with you, Richard?\n\nChannel 1: Not a problem. Yep.\n\nChannel 0: Perfect. If you could please just confirm your date of birth and address and Mercia's date of birth as\n\nChannel 1: Okay. 01/06/1955.\n\nChannel 0: well. Yep.\n\nChannel 1: That's 17 Maria Court, Pacific Pines,\n\nChannel 0: Perfect.\n\nChannel 1: and the 08/06/1962.\n\nChannel 0: Thank you so much for that, Richard. Mate, I'm back in the swing of things a little bit at the moment. Is everything in your mind still kind of in line with what we spoke about last time? Have there been any changes?\n\nChannel 1: Well, no no changes to intent, but I spoke to one of the girls in the office there a couple of weeks ago. He asked\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: me to check the status of Merissa's contributions on on the tax office website.\n\nChannel 0: Oh, yep. For the myGov for the bring fall.\n\nChannel 1: Yeah. Yeah. Well, I tried a dozen times, like, I can't bloody work out this stupidity on the tax office or my gov.\n\nChannel 0: It can be quite quite awkward. I was having a little bit of a look at it myself on my own account, but, I mean, we do\n\nChannel 1: Mhmm.\n\nChannel 0: have most of the information from when all the previous contributions were made and previous transaction history. So I'll obviously triple and quadruple check those.\n\nChannel 1: Yeah.\n\nChannel 0: Would\n\nChannel 1: It's\n\nChannel 0: it be\n\nChannel 1: it's well, what I what I found when I was trying to look is that I don't think the the ATO or myGov has been updated for this financial year.\n\nChannel 0: I see.\n\nChannel 1: Mine has on on my myGov. It shows the current superannuation balance as at the 06/30/2025 '20\n\nChannel 0: Yep.\n\nChannel 1: '26, sorry, this year, but Mercers doesn't.\n\nChannel 0: I see.\n\nChannel 1: And if you go I'm trying to find details about the contribution status. It's there's nothing nothing there. Nothing listed that I can find.\n\nChannel 0: Yeah. Does it\n\nChannel 1: But anyway.\n\nChannel 0: were you able to find that bring forward arrangement button on there and it just came up blank? Or\n\nChannel 1: Couldn't find anything about bring forward. If I go into the ATO website, log in to that, it directs me straight back to my gov.\n\nChannel 0: Yep.\n\nChannel 1: And the my gov is bloody hopeless.\n\nChannel 0: Absolutely.\n\nChannel 1: I don't think they've updated very regularly or so. I don't know. It's they never find anything you're looking for in my gut.\n\nChannel 0: No.\n\nChannel 1: Well,\n\nChannel 0: What\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: can't,\n\nChannel 0: I can\n\nChannel 1: anyway.\n\nChannel 0: do is what I'll I'll do just in case is I'll go back through the transaction history with a second pair of eyes just to make sure that's all good. And\n\nChannel 1: Yes.\n\nChannel 0: if it's helpful, I can email you through some screenshots of the buttons to click just to see if you get the same outcome that I get.\n\nChannel 1: Yep.\n\nChannel 0: If you don't mind trying again, if not, we can do without. But just thought that might be helpful.\n\nChannel 1: Yeah. Well, it doesn't it doesn't concern me too much. I was just trying to find that detail because she asked me to take a screenshot and send it through to her, but\n\nChannel 0: Yeah.\n\nChannel 1: I could find nothing. But but we know that the bring forward the previous bring forward arrangement was 2324 financial year. So as\n\nChannel 0: Yeah.\n\nChannel 1: of this current financial year, we should be clear to repeat that.\n\nChannel 0: Yeah. Absolutely. And I'll put together just an updated plan with the specifics of it, which is obviously sell down the investment account and\n\nChannel 1: Yep.\n\nChannel 0: then contribute the 300,000 and do that little bit of a a refresh on Mercia's account. Is that still the intent?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And the and the\n\nChannel 0: Perfect.\n\nChannel 1: balance of whatever that is just into our savings.\n\nChannel 0: Yep. Absolutely. A tiny bit of tax there and then just leave\n\nChannel 1: Yeah.\n\nChannel 0: the rest of\n\nChannel 1: Yeah.\n\nChannel 0: the savings.\n\nChannel 1: Yep.\n\nChannel 0: And, Richard, while I've got you here, there was two questions that I had.\n\nChannel 1: Yep.\n\nChannel 0: When when we do the recontribution into Mercia's account, because that's gonna bump up the account balance quite considerably,\n\nChannel 1: Yep.\n\nChannel 0: Minimum pension payments will bump up a little bit.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So I guess the options are because I think we set it to a thousand dollars a fortnight at the moment just to sort of lower it a little bit.\n\nChannel 1: Just to try to head over there. Yeah. That's fine.\n\nChannel 0: Yeah. So\n\nChannel 1: But\n\nChannel 0: what's gonna happen\n\nChannel 1: whatever\n\nChannel 0: is\n\nChannel 1: whatever\n\nChannel 0: it'll\n\nChannel 1: the minimum is,\n\nChannel 0: that's fine.\n\nChannel 1: I think that's fine. We'll deal with that. Yeah.\n\nChannel 0: K. Cool. I was just gonna check if you didn't want me to keep some of it in the super account and just keep it split. But if you guys don't mind that extra little minimum coming out, that would be better for the earnings\n\nChannel 1: Yeah.\n\nChannel 0: to be tax free.\n\nChannel 1: Yeah. I'm sure mine's spare to go up again anyways.\n\nChannel 0: Yeah. And I think Marsha still got until age 65 before they increase it to 5%. So she's still\n\nChannel 1: Mhmm.\n\nChannel 0: got a year and a month before that. And because they work on financial years, it shouldn't be too much of a trouble for a little while. And while I've got you as well, I just wanted to quickly update the details for the fact that I attached with the updated plan. Because, obviously, you guys haven't had any major changes in circumstances in terms of address or emails or anything\n\nChannel 1: No. No.\n\nChannel 0: like that.\n\nChannel 1: It's all fine.\n\nChannel 0: I was just going to include an updated property value. So I think we had the home valued at 850,000 last time, but online, it's looking a bit closer to about 1.2 at the moment given the way\n\nChannel 1: Mhmm.\n\nChannel 0: the market's gone. Is that\n\nChannel 1: Probably.\n\nChannel 0: okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. And besides the cars, we're factoring in the cash that's gonna be left over from the sale of the investment account. But did you guys still have a lot of the cash left over from the ATO release just in savings or return deposit at the moment?\n\nChannel 1: In in terms of well, it's in her I and Z plus account. It's we're getting the in for 5% on that.\n\nChannel 0: Awesome. Do you know what the balance is approximately for that? I just wanna add it for disclosure.\n\nChannel 1: Well, what I have, I got a 140 yeah. 142,000 in my ANZ Plus account. And this is, I think, about 126.\n\nChannel 0: Perfect. Just some estimates there. It's perfect. Awesome. So that's pretty much everything that I needed to put the plan together and and get that going.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the good things at least is hubs increase and improve their transfer facility. So it's very easy for us to plot out the opening of the super account, contributions going in, refreshing, and closing it down again. And\n\nChannel 1: Mhmm.\n\nChannel 0: it's pretty much just a one, two, three step click of a button on our end, so it's a lot smoother nowadays. Technology's increased.\n\nChannel 1: Okay.\n\nChannel 0: Was there anything else that you wanted me to factor in for this updated plan?\n\nChannel 1: I don't think so.\n\nChannel 0: K. With the investments on the pension accounts, I was gonna update a little bit of those. I know we spoke about just kind of waiting until we do the contributions to update a few of the options inside the portfolio. Were you wanting me to adjust the risk level at all or just kind of keep it as is, but just give it a bit of a engine tune up?\n\nChannel 1: I think as is, it seems to be seems to have been doing pretty well. The last few months has been pretty ordinary, but\n\nChannel 0: Yeah.\n\nChannel 1: up\n\nChannel 0: Very\n\nChannel 1: till\n\nChannel 0: interesting\n\nChannel 1: then, it was\n\nChannel 0: period around March, but\n\nChannel 1: yeah.\n\nChannel 0: bounced back a bit since but it's it's probably a good time that could clear out that investment account because that's such good growth leading up to the end of twenty\n\nChannel 1: Yep.\n\nChannel 0: '25, and then it's just been a bit up and down with the markets lately. So it's probably not worth letting it sit there and risking it.\n\nChannel 1: Yeah. Yeah. Well, that's what I thought it means. Once that's out of the way, we don't have to worry about capital gains after this year, and it's just an embarguance to like, I've been retired there five years, and I'm still battling with the bloody tax office.\n\nChannel 0: I know. I do have to ask you, sir. Like, given the budget changes and the change to negative gearing, capital gains tax, and everything, You've obviously seen a lot of different regimes for Howard error in different areas, but how how has it been watching this one on your end? Because I know you mentioned capital gains tax changes to me last year. And now that it's finally happening, I know it's quite inconvenient, but do you have any other thoughts?\n\nChannel 1: Well, like I said, once once this that investment account is is finished up, then I've got no I don't think I've got any exposure to capital gains unless they try to attach capital gains to your primary residence, which is not unlikely with this mob.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. So, yeah, hopefully, that's we'll sort this out out, and then I'll be clear and free of capital gains.\n\nChannel 0: Yep. Be free of that headache and something that I have to sit there and calculate now every year is who purchased what, when, how long do they hold it for, and it's just maybe a bit more complex. But it'll be nice to simplify things for you guys a little bit too. Perfect.\n\nChannel 1: Yeah. I would\n\nChannel 0: Richard,\n\nChannel 1: I mean,\n\nChannel 0: if\n\nChannel 1: actually, I would like to, but I would like to have a chat to the about my ADF pension.\n\nChannel 0: Yeah.\n\nChannel 1: Like, it's listed in my in my garbage listed as a super a superannuation, but I'm still having to pay tax on it in retirement.\n\nChannel 0: Yeah.\n\nChannel 1: Just wondering if I could if that can be cashed out, if I can cash that out.\n\nChannel 0: It does seem like one of those strange old lifetime pension, but with the tax attached to it. Do you want me to kind of dive into the rules a little bit and see what the options are?\n\nChannel 1: I think I've I've probably get in touch with Veterans Affairs and find out directly from them what the situation is, what I can do and can't do.\n\nChannel 0: Yeah. That'd be a good idea. So, obviously, try and talk you into one thing or the other, but, hopefully, they can just give you some standard information and say, hey. Now that you're past x age, you do have one, two, or three options, or there are some of those old ones where you have the options at the start, but once you elect to it, it's kinda locked in. So fingers\n\nChannel 1: Yeah.\n\nChannel 0: crossed.\n\nChannel 1: Yeah.\n\nChannel 0: That can\n\nChannel 1: Well,\n\nChannel 0: be\n\nChannel 1: that's\n\nChannel 0: a bit\n\nChannel 1: right.\n\nChannel 0: easier\n\nChannel 1: When\n\nChannel 0: too.\n\nChannel 1: I when I got out of the army, I you had a computation available to you, which I which I took to buy my first property.\n\nChannel 0: Yeah.\n\nChannel 1: I commuted a certain percentage and then got the I've been getting the pension ever since. But\n\nChannel 0: Yeah.\n\nChannel 1: I was sort of thinking now that I'm retired. Why should I be still paying bloody tax on it?\n\nChannel 0: It's a bit backwards, isn't it? Because with those defined benefits, they tend to sit there in the background for all these years, and then you get it for a lifetime. But there's no tax upfront, but it's all at the back end. Whereas on this side of things, you're paying all the tax upfront and then tax free afterwards. Rules are a bit strange.\n\nThey make them up in the decades as they go along.\n\nChannel 1: Yes. Indeed. I mean, the whole the whole tax system for for me is, like, I'm a I don't claim pension. Alright? I'm\n\nChannel 0: Yeah.\n\nChannel 1: self funded retiree. So which in effect means I'm donating the equivalent of an old age pension to the government for nothing.\n\nChannel 0: Yeah. On top of the taxes that you still continue to pay\n\nChannel 1: Yeah.\n\nChannel 0: rather than in receipt. So it's almost a double.\n\nChannel 1: Yeah. I mean, if I didn't look after my bloody finances and I was, you know, drawing a pension, I'd be a you don't even know what the pension is. But, you know, $3,040,000 dollar a year drain on\n\nChannel 0: Tax\n\nChannel 1: the government\n\nChannel 0: free.\n\nChannel 1: or as a self funded retiree, I'm basically giving that to the to the government.\n\nChannel 0: It's the same thing that happened to my grandparents. My grandfather passed away, but he built he came over from Croatia and built all of these apartment buildings and workshops, and he self funded. But because he has a trust fund and a company, they've just been hit with those new laws to pay the 30\n\nChannel 1: Yes.\n\nChannel 0: percent minimum tax. So even 82 year old grandmother is now paying 30% tax.\n\nChannel 1: Yeah. Bloody criminal.\n\nChannel 0: Yeah.\n\nChannel 1: Carry on carrying on, I guess.\n\nChannel 0: Absolutely. Again, we'll keep doing our best to get things growing for you, and I will probably have the team reach out to you over the fortnight just to get you booked in to go over that plan. And\n\nChannel 1: Yeah.\n\nChannel 0: then we\n\nChannel 1: Yeah.\n\nChannel 0: can do the old closures and contributions and everything together.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Mhmm.\n\nChannel 0: I'll get working on that straight away and just keep an ear out for a bit of a phone call. Again, if I can talk to both of you on the day just to run through the figures, that would be great. If not, I'll just email it through so you've got some time to read through it.\n\nChannel 1: Okay.\n\nChannel 0: Awesome,\n\nChannel 1: That'll\n\nChannel 0: Richard.\n\nChannel 1: be\n\nChannel 0: Do\n\nChannel 1: great.\n\nChannel 0: you have any questions for me before I let you go,\n\nChannel 1: Nope.\n\nChannel 0: sir?\n\nChannel 1: Nope. That's all good. Thanks.\n\nChannel 0: Alrighty. As always, have a fantastic week, and I'll talk to you in a week or two.\n\nChannel 1: Okay. Thank you. Bye.\n\nChannel 0: Thank you, Richard. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, mister Ward.","start":2.24,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.2897656187415123},{"text":"It's Tommy here from.","start":3.6799998,"end":4.98,"sentiment":"neutral","sentiment_score":0.16419723257422447},{"text":"How have you been?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.18606273084878922}],"sentiment":"neutral","sentiment_score":0.21334186072150865,"channel":0,"num_words":12,"start":2.24,"end":6.02},{"sentences":[{"text":"Not too bad.","start":6.48,"end":7.04,"sentiment":"neutral","sentiment_score":0.3163218100865682},{"text":"Thanks.","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.5709412693977356}],"sentiment":"positive","sentiment_score":0.37997667491436005,"channel":1,"num_words":4,"start":6.48,"end":7.54},{"sentences":[{"text":"Alright.","start":8.16,"end":8.48,"sentiment":"positive","sentiment_score":0.4076032340526581},{"text":"Good to hear.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.6959426403045654},{"text":"Good to hear.","start":8.96,"end":9.599999,"sentiment":"positive","sentiment_score":0.6719691356023153},{"text":"I've got you for a quick catch up about the contribution strategy.","start":9.599999,"end":13.36,"sentiment":"positive","sentiment_score":0.4369830439488093},{"text":"Is now still a good time?","start":13.36,"end":14.74,"sentiment":"neutral","sentiment_score":0.3118804295857747}],"sentiment":"positive","sentiment_score":0.46505670666694643,"channel":0,"num_words":25,"start":8.16,"end":14.74},{"sentences":[{"text":"Yeah.","start":15.184999,"end":15.584999,"sentiment":"neutral","sentiment_score":0.2003410905599594},{"text":"Yeah.","start":15.584999,"end":16.085,"sentiment":"neutral","sentiment_score":0.31552231311798096}],"sentiment":"neutral","sentiment_score":0.2579317018389702,"channel":1,"num_words":2,"start":15.184999,"end":16.085},{"sentences":[{"text":"Perfect.","start":17.255,"end":17.654999,"sentiment":"positive","sentiment_score":0.5890506505966187},{"text":"Perfect.","start":17.654999,"end":17.974998,"sentiment":"positive","sentiment_score":0.5452407598495483},{"text":"Now I've already run through a lot of the numbers with you guys, and I've got all the updated info in front of me.","start":17.974998,"end":23.735,"sentiment":"neutral","sentiment_score":0.2689318098127842},{"text":"Do you mind if I just do the usual security check with you, Richard?","start":23.735,"end":26.634998,"sentiment":"neutral","sentiment_score":0.051791926978954246}],"sentiment":"neutral","sentiment_score":0.20784354559145868,"channel":0,"num_words":40,"start":17.255,"end":26.634998},{"sentences":[{"text":"Not a problem.","start":26.625,"end":27.425,"sentiment":"neutral","sentiment_score":0.18609265486399332},{"text":"Yep.","start":27.425,"end":27.78,"sentiment":"neutral","sentiment_score":0.17767253518104553}],"sentiment":"neutral","sentiment_score":0.18398762494325638,"channel":1,"num_words":4,"start":26.625,"end":27.78},{"sentences":[{"text":"Perfect.","start":28.58,"end":28.98,"sentiment":"positive","sentiment_score":0.3575168251991272},{"text":"If you could please just confirm your date of birth and address and Mercia's date of birth as","start":28.98,"end":34.68,"sentiment":"neutral","sentiment_score":0.09306439964307679}],"sentiment":"neutral","sentiment_score":0.10698294835655313,"channel":0,"num_words":19,"start":28.58,"end":34.68},{"sentences":[{"text":"Okay.","start":36.02,"end":36.42,"sentiment":"neutral","sentiment_score":0.0421348512172699},{"text":"01/06/1955.","start":36.42,"end":38.68,"sentiment":"neutral","sentiment_score":0.03026765212416649}],"sentiment":"neutral","sentiment_score":0.03620125167071819,"channel":1,"num_words":2,"start":36.02,"end":38.68},{"sentences":[{"text":"well.","start":39.14,"end":39.3,"sentiment":"neutral","sentiment_score":0.0647905170917511},{"text":"Yep.","start":39.3,"end":39.8,"sentiment":"neutral","sentiment_score":0.05772630125284195}],"sentiment":"neutral","sentiment_score":0.061258409172296524,"channel":0,"num_words":2,"start":39.14,"end":39.8},{"sentences":[{"text":"That's 17 Maria Court, Pacific Pines,","start":40.865,"end":43.445,"sentiment":"neutral","sentiment_score":0.049372402330239616}],"sentiment":"neutral","sentiment_score":0.049372402330239616,"channel":1,"num_words":6,"start":40.865,"end":43.445},{"sentences":[{"text":"Perfect.","start":44.535,"end":45.035,"sentiment":"neutral","sentiment_score":0.2190340757369995}],"sentiment":"neutral","sentiment_score":0.2190340757369995,"channel":0,"num_words":1,"start":44.535,"end":45.035},{"sentences":[{"text":"and the 08/06/1962.","start":47.345,"end":50.645,"sentiment":"neutral","sentiment_score":0.06726058075825374}],"sentiment":"neutral","sentiment_score":0.06726058075825374,"channel":1,"num_words":3,"start":47.345,"end":50.645},{"sentences":[{"text":"Thank you so much for that, Richard.","start":51.414997,"end":53.274998,"sentiment":"positive","sentiment_score":0.7132459964071002},{"text":"Mate, I'm back in the swing of things a little bit at the moment.","start":53.710003,"end":56.690002,"sentiment":"neutral","sentiment_score":0.09142869365002428},{"text":"Is everything in your mind still kind of in line with what we spoke about last time?","start":58.030003,"end":62.43,"sentiment":"neutral","sentiment_score":0.06442397920524373},{"text":"Have there been any changes?","start":62.43,"end":63.730003,"sentiment":"neutral","sentiment_score":-0.04672265723347664}],"sentiment":"neutral","sentiment_score":0.16591437316911165,"channel":0,"num_words":43,"start":51.414997,"end":63.730003},{"sentences":[{"text":"Well, no no changes to intent, but I spoke to one of the girls in the office there a couple of weeks ago.","start":67.27,"end":78.655,"sentiment":"neutral","sentiment_score":-0.025493484840768833},{"text":"He asked","start":78.655,"end":79.235,"sentiment":"neutral","sentiment_score":0.008631810080260038}],"sentiment":"neutral","sentiment_score":-0.022763461247086524,"channel":1,"num_words":25,"start":67.27,"end":79.235},{"sentences":[{"text":"Yeah.","start":80.845,"end":81.085,"sentiment":"neutral","sentiment_score":0.013982517644762993},{"text":"Yeah.","start":81.085,"end":81.585,"sentiment":"neutral","sentiment_score":0.005709185265004635}],"sentiment":"neutral","sentiment_score":0.009845851454883814,"channel":0,"num_words":2,"start":80.845,"end":81.585},{"sentences":[{"text":"me to check the status of Merissa's contributions on on the tax office website.","start":82.335,"end":100.805,"sentiment":"neutral","sentiment_score":-0.002439246912087713}],"sentiment":"neutral","sentiment_score":-0.002439246912087713,"channel":1,"num_words":14,"start":82.335,"end":100.805},{"sentences":[{"text":"Oh, 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and just keep an ear out for a bit of a phone call.","start":1063.83,"end":1068.73,"sentiment":"neutral","sentiment_score":0.11638254653662443},{"text":"Again, if I can talk to both of you on the day just to run through the figures, that would be great.","start":1069.11,"end":1075.29,"sentiment":"neutral","sentiment_score":0.21287928995761005},{"text":"If not, I'll just email it through so you've got some time to read through 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have any questions for me before I let you go,","start":1083.365,"end":1085.6849,"sentiment":"neutral","sentiment_score":-0.0216123526069251}],"sentiment":"neutral","sentiment_score":-0.0216123526069251,"channel":0,"num_words":11,"start":1083.365,"end":1085.6849},{"sentences":[{"text":"Nope.","start":1085.605,"end":1086.105,"sentiment":"neutral","sentiment_score":-0.20179784297943115}],"sentiment":"neutral","sentiment_score":-0.20179784297943115,"channel":1,"num_words":1,"start":1085.605,"end":1086.105},{"sentences":[{"text":"sir?","start":1085.6849,"end":1086.1849,"sentiment":"neutral","sentiment_score":-0.09786199033260344}],"sentiment":"neutral","sentiment_score":-0.09786199033260344,"channel":0,"num_words":1,"start":1085.6849,"end":1086.1849},{"sentences":[{"text":"Nope.","start":1086.405,"end":1086.645,"sentiment":"neutral","sentiment_score":-0.07537300884723663},{"text":"That's all good.","start":1086.645,"end":1087.4451,"sentiment":"positive","sentiment_score":0.5315248966217041},{"text":"Thanks.","start":1087.4451,"end":1087.9451,"sentiment":"positive","sentiment_score":0.6603585481643677}],"sentiment":"positive","sentiment_score":0.43591204583644866,"channel":1,"num_words":5,"start":1086.405,"end":1087.9451},{"sentences":[{"text":"Alrighty.","start":1089.38,"end":1089.86,"sentiment":"positive","sentiment_score":0.6226475238800049},{"text":"As always, have a fantastic week, and I'll talk to you in a week or two.","start":1089.86,"end":1094.6,"sentiment":"positive","sentiment_score":0.6111877225339413}],"sentiment":"positive","sentiment_score":0.6118618284954744,"channel":0,"num_words":17,"start":1089.38,"end":1094.6},{"sentences":[{"text":"Okay.","start":1095.005,"end":1095.325,"sentiment":"positive","sentiment_score":0.4138200879096985},{"text":"Thank you.","start":1095.325,"end":1096.045,"sentiment":"positive","sentiment_score":0.734516441822052},{"text":"Bye.","start":1096.045,"end":1096.545,"sentiment":"positive","sentiment_score":0.44189023971557617}],"sentiment":"positive","sentiment_score":0.5811858028173447,"channel":1,"num_words":4,"start":1095.005,"end":1096.545},{"sentences":[{"text":"Thank you, Richard.","start":1097.38,"end":1098.34,"sentiment":"positive","sentiment_score":0.7059043248494467},{"text":"Bye.","start":1098.34,"end":1098.84,"sentiment":"neutral","sentiment_score":-0.10877682268619536}],"sentiment":"positive","sentiment_score":0.5022340379655361,"channel":0,"num_words":4,"start":1097.38,"end":1098.84}]},"summary":{"result":"success","short":"A representative from a contribution strategy company is on a call with Richard, who expresses concern about the ATO and myGov not being updated regularly. The representative offers to provide screenshots of buttons to help Richard find the correct information and updates Richard's financial information. They discuss the possibility of a recon contributions plan and update the retirement account balance. The speaker discusses the updated plan for the company's portfolio, including updating contributions and closing an investment account, clarifying the process for removing a retirement account, and the tax system. They promise to keep working on the plan and will email the team for booked appointments."},"intents":{"segments":[{"text":"me to check the status of Merissa's contributions on on the tax office website.","start_word":190,"end_word":203,"intents":[{"intent":"Check contribution status","confidence_score":0.017094411},{"intent":"Check mygov website","confidence_score":0.001167802}]},{"text":"And if you go I'm trying to find details about the contribution status. It's there's nothing nothing there. Nothing listed that I can find. Yeah.","start_word":353,"end_word":377,"intents":[{"intent":"Find contribution status","confidence_score":0.047753494}]},{"text":"Was there anything else that you wanted me to factor in for this updated plan?","start_word":1219,"end_word":1233,"intents":[{"intent":"Update plan information","confidence_score":0.029802}]},{"text":"The last few months has been pretty ordinary, but Yeah. up Very till interesting then, it was period around March, but yeah. bounced back a bit since but it's it's probably a good time that could clear out that investment account because that's such good growth leading up to the end of twenty Yep.","start_word":1325,"end_word":1378,"intents":[{"intent":"Explaining investment process","confidence_score":0.0001715655}]},{"text":"I know.","start_word":1453,"end_word":1454,"intents":[{"intent":"Questioning tax consequences","confidence_score":0.00034614114}]},{"text":"Well, like I said, once once this that investment account is is finished up, then I've got no I don't think I've got any exposure to capital gains unless they try to attach capital gains to your primary residence, which is not unlikely with this mob. Yeah. But yeah.","start_word":1535,"end_word":1583,"intents":[{"intent":"Suggesting new investment account","confidence_score":0.00070519024},{"intent":"Expressing uncertainty","confidence_score":0.05259457}]},{"text":"But it'll be nice to simplify things for you guys a little bit too. Perfect.","start_word":1642,"end_word":1656,"intents":[{"intent":"Suggesting simplifying","confidence_score":0.000012871744}]},{"text":"I would Richard, I mean, if actually, I would like to, but I would like to have a chat to the about my ADF pension.","start_word":1659,"end_word":1683,"intents":[{"intent":"Discuss pension","confidence_score":0.088358745},{"intent":"Discuss retirement benefits","confidence_score":0.00912807}]},{"text":"Do you want me to kind of dive into the rules a little bit and see what the options are?","start_word":1745,"end_word":1764,"intents":[{"intent":"Explore options","confidence_score":0.17318243},{"intent":"Explore options","confidence_score":0.0021514576}]}]},"sentiments":{"segments":[{"text":"Good afternoon, mister Ward. It's Tommy here from. How have you been? Not too bad.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.2357281595468521},{"text":"Thanks. Alright. Good to hear. Good to hear. I've got you for a quick catch up about the contribution strategy.","start_word":15,"end_word":34,"sentiment":"positive","sentiment_score":0.5113685131072998},{"text":"Is now still a good time? Yeah. Yeah.","start_word":35,"end_word":42,"sentiment":"neutral","sentiment_score":0.3045596182346344},{"text":"Perfect. Perfect.","start_word":43,"end_word":44,"sentiment":"positive","sentiment_score":0.5671457052230835},{"text":"Now I've already run through a lot of the numbers with you guys, and I've got all the updated info in front of me. Do you mind if I just do the usual security check with you, Richard? Not a problem. Yep.","start_word":45,"end_word":86,"sentiment":"neutral","sentiment_score":0.18804660439491272},{"text":"Perfect.","start_word":87,"end_word":87,"sentiment":"positive","sentiment_score":0.3575168251991272},{"text":"If you could please just confirm your date of birth and address and Mercia's date of birth as Okay. 01/06/1955. well. Yep. That's 17 Maria Court, Pacific Pines, Perfect. and the 08/06/1962.","start_word":88,"end_word":119,"sentiment":"neutral","sentiment_score":0.07404980808496475},{"text":"Thank you so much for that, Richard.","start_word":120,"end_word":126,"sentiment":"positive","sentiment_score":0.7143340706825256},{"text":"Mate, I'm back in the swing of things a little bit at the moment. Is everything in your mind still kind of in line with what we spoke about last time? Have there been any changes? Well, no no changes to intent, but I spoke to one of the girls in the office there a couple of weeks ago. He asked Yeah. Yeah. me to check the status of Merissa's contributions on on the tax office website. Oh, yep. For the myGov for the bring fall. Yeah. Yeah. Well, I tried a dozen times, like, I can't bloody work out this stupidity on the tax office or my gov. It can be quite quite awkward. I was having a little bit of a look at it myself on my own account, but, I mean, we do Mhmm. have most of the information from when all the previous contributions were made and previous transaction history. So I'll obviously triple and quadruple check those. Yeah. Would It's it be it's well, what I what I found when I was trying to look is that I don't think the the ATO or myGov has been updated for this financial year. I see. Mine has on on my myGov. It shows the current superannuation balance as at the 06/30/2025 '20 Yep. '26, sorry, this year, but Mercers doesn't. I see. And if you go I'm trying to find details about the contribution status. It's there's nothing nothing there. Nothing listed that I can find. Yeah. Does it But anyway. were you able to find that bring forward arrangement button on there and it just came up blank? Or Couldn't find anything about bring forward. If I go into the ATO website, log in to that, it directs me straight back to my gov. Yep.","start_word":127,"end_word":426,"sentiment":"neutral","sentiment_score":-0.06545545365661383},{"text":"And the my gov is bloody hopeless.","start_word":427,"end_word":433,"sentiment":"negative","sentiment_score":-0.6501914858818054},{"text":"Absolutely.","start_word":434,"end_word":434,"sentiment":"neutral","sentiment_score":-0.2497503012418747},{"text":"I don't think they've updated very regularly or so.","start_word":435,"end_word":443,"sentiment":"negative","sentiment_score":-0.4093509316444397},{"text":"I don't know.","start_word":444,"end_word":446,"sentiment":"neutral","sentiment_score":-0.2646070420742035},{"text":"It's they never find anything you're looking for in my gut.","start_word":447,"end_word":457,"sentiment":"negative","sentiment_score":-0.4585157036781311},{"text":"No. Well, What I what can't, I can anyway. do is what I'll I'll do just in case is I'll go back through the transaction history with a second pair of eyes just to make sure that's all good. And Yes. if it's helpful, I can email you through some screenshots of the buttons to click just to see if you get the same outcome that I get. Yep. If you don't mind trying again, if not, we can do without. But just thought that might be helpful. Yeah. Well, it doesn't it doesn't concern me too much. I was just trying to find that detail because she asked me to take a screenshot and send it through to her, but Yeah. I could find nothing. But but we know that the bring forward the previous bring forward arrangement was 2324 financial year. So as Yeah. of this current financial year, we should be clear to repeat that. Yeah.","start_word":458,"end_word":616,"sentiment":"neutral","sentiment_score":0.0801365002989769},{"text":"Absolutely.","start_word":617,"end_word":617,"sentiment":"positive","sentiment_score":0.45535001158714294},{"text":"And I'll put together just an updated plan with the specifics of it, which is obviously sell down the investment account and Yep. then contribute the 300,000 and do that little bit of a a refresh on Mercia's account. Is that still the intent? Yeah. Yeah. Yeah. Yep.","start_word":618,"end_word":665,"sentiment":"neutral","sentiment_score":0.1923008734981219},{"text":"And the and Perfect. the balance of whatever that is just into our savings.","start_word":666,"end_word":679,"sentiment":"positive","sentiment_score":0.5370142459869385},{"text":"Yep.","start_word":680,"end_word":680,"sentiment":"neutral","sentiment_score":0.24505262076854703},{"text":"Absolutely.","start_word":681,"end_word":681,"sentiment":"positive","sentiment_score":0.4427531957626343},{"text":"A tiny bit of tax there and then just leave Yeah. the rest of Yeah. the savings. Yep. And, Richard, while I've got you here, there was two questions that I had. Yep. When when we do the recontribution into Mercia's account, because that's gonna bump up the account balance quite considerably, Yep. Minimum pension payments will bump up a little bit. Mhmm. Yep. So I guess the options are because I think we set it to a thousand dollars a fortnight at the moment just to sort of lower it a little bit. Just to try to head over there. Yeah. That's fine. Yeah. So But what's gonna happen whatever is whatever it'll the minimum is, that's fine. I think that's fine. We'll deal with that. Yeah. K.","start_word":682,"end_word":810,"sentiment":"neutral","sentiment_score":0.09903669357299805},{"text":"Cool.","start_word":811,"end_word":811,"sentiment":"positive","sentiment_score":0.36117252707481384},{"text":"I was just gonna check if you didn't want me to keep some of it in the super account and just keep it split. But if you guys don't mind that extra little minimum coming out, that would be better for the earnings Yeah. to be tax free. Yeah. I'm sure mine's spare to go up again anyways. Yeah. And I think Marsha still got until age 65 before they increase it to 5%. So she's still Mhmm. got a year and a month before that. And because they work on financial years, it shouldn't be too much of a trouble for a little while. And while I've got you as well, I just wanted to quickly update the details for the fact that I attached with the updated plan. Because, obviously, you guys haven't had any major changes in circumstances in terms of address or emails or anything No. No. like that. It's all fine. I was just going to include an updated property value. So I think we had the home valued at 850,000 last time, but online, it's looking a bit closer to about 1.2 at the moment given the way Mhmm. the market's gone. Is that Probably. okay? Yeah. Yeah. Yep. And besides the cars, we're factoring in the cash that's gonna be left over from the sale of the investment account. But did you guys still have a lot of the cash left over from the ATO release just in savings or return deposit at the moment? In in terms of well, it's in her I and Z plus account. It's we're getting the in for 5% on that.","start_word":812,"end_word":1085,"sentiment":"neutral","sentiment_score":0.08566689855303533},{"text":"Awesome.","start_word":1086,"end_word":1086,"sentiment":"positive","sentiment_score":0.4803471565246582},{"text":"Do you know what the balance is approximately for that? I just wanna add it for disclosure. Well, what I have, I got a 140 yeah. 142,000 in my ANZ Plus account. And this is, I think, about 126.","start_word":1087,"end_word":1125,"sentiment":"neutral","sentiment_score":0.11026854068040848},{"text":"Perfect. Just some estimates there. It's perfect. Awesome. So that's pretty much everything that I needed to put the plan together and and get that going.","start_word":1126,"end_word":1151,"sentiment":"positive","sentiment_score":0.5757600665092468},{"text":"Mhmm. One of the good things at least is hubs increase and improve their transfer facility.","start_word":1152,"end_word":1167,"sentiment":"neutral","sentiment_score":0.2919546961784363},{"text":"So it's very easy for us to plot out the opening of the super account, contributions going in, refreshing, and closing it down again.","start_word":1168,"end_word":1191,"sentiment":"positive","sentiment_score":0.3749266862869262},{"text":"And Mhmm.","start_word":1192,"end_word":1193,"sentiment":"neutral","sentiment_score":0.23179788887500763},{"text":"it's pretty much just a one, two, three step click of a button on our end, so it's a lot smoother nowadays.","start_word":1194,"end_word":1215,"sentiment":"positive","sentiment_score":0.3381291627883911},{"text":"Technology's increased. Okay. Was there anything else that you wanted me to factor in for this updated plan? I don't think so. K. With the investments on the pension accounts, I was gonna update a little bit of those. I know we spoke about just kind of waiting until we do the contributions to update a few of the options inside the portfolio. Were you wanting me to adjust the risk level at all or just kind of keep it as is, but just give it a bit of a engine tune up? I think as is, it seems to be seems to have been doing pretty well. The last few months has been pretty ordinary, but Yeah. up Very till interesting then, it was period around March, but yeah.","start_word":1216,"end_word":1345,"sentiment":"neutral","sentiment_score":0.04279059898108244},{"text":"bounced back a bit since but it's it's probably a good time that could clear out that investment account because that's such good growth leading up to the end of twenty Yep.","start_word":1346,"end_word":1377,"sentiment":"positive","sentiment_score":0.44798269867897034},{"text":"'25, and then it's just been a bit up and down with the markets lately.","start_word":1378,"end_word":1392,"sentiment":"neutral","sentiment_score":-0.1728394627571106},{"text":"So it's probably not worth letting it sit there and risking it.","start_word":1393,"end_word":1404,"sentiment":"negative","sentiment_score":-0.4547728896141052},{"text":"Yeah. Yeah. Well, that's what I thought it means. Once that's out of the way, we don't have to worry about capital gains after this year, and it's just an embarguance to like, I've been retired there five years, and I'm still battling with the bloody tax office. I know. I do have to ask you, sir. Like, given the budget changes and the change to negative gearing, capital gains tax, and everything, You've obviously seen a lot of different regimes for Howard error in different areas, but how how has it been watching this one on your end? Because I know you mentioned capital gains tax changes to me last year. And now that it's finally happening, I know it's quite inconvenient, but do you have any other thoughts? Well, like I said, once once this that investment account is is finished up, then I've got no I don't think I've got any exposure to capital gains unless they try to attach capital gains to your primary residence, which is not unlikely with this mob. Yeah. But yeah. So, yeah, hopefully, that's we'll sort this out out, and then I'll be clear and free of capital gains. Yep. Be free of that headache and something that I have to sit there and calculate now every year is who purchased what, when, how long do they hold it for, and it's just maybe a bit more complex.","start_word":1405,"end_word":1641,"sentiment":"neutral","sentiment_score":-0.009898992255330086},{"text":"But it'll be nice to simplify things for you guys a little bit too. Perfect.","start_word":1642,"end_word":1656,"sentiment":"positive","sentiment_score":0.4603578746318817},{"text":"Yeah. I would Richard, I mean, if actually, I would like to, but I would like to have a chat to the about my ADF pension. Yeah. Like, it's listed in my in my garbage listed as a super a superannuation, but I'm still having to pay tax on it in retirement. Yeah. Just wondering if I could if that can be cashed out, if I can cash that out. It does seem like one of those strange old lifetime pension, but with the tax attached to it. Do you want me to kind of dive into the rules a little bit and see what the options are? I think I've I've probably get in touch with Veterans Affairs and find out directly from them what the situation is, what I can do and can't do. Yeah.","start_word":1657,"end_word":1793,"sentiment":"neutral","sentiment_score":-0.12027127812378598},{"text":"That'd be a good idea.","start_word":1794,"end_word":1798,"sentiment":"positive","sentiment_score":0.3702804148197174},{"text":"So, obviously, try and talk you into one thing or the other, but, hopefully, they can just give you some standard information and say, hey. Now that you're past x age, you do have one, two, or three options, or there are some of those old ones where you have the options at the start, but once you elect to it, it's kinda locked in. So fingers Yeah. crossed. Yeah. That can Well, be that's a bit right. easier When too. I when I got out of the army, I you had a computation available to you, which I which I took to buy my first property. Yeah. I commuted a certain percentage and then got the I've been getting the pension ever since. But Yeah. I was sort of thinking now that I'm retired.","start_word":1799,"end_word":1933,"sentiment":"neutral","sentiment_score":0.04360799863934517},{"text":"Why should I be still paying bloody tax on it? It's a bit backwards, isn't it?","start_word":1934,"end_word":1949,"sentiment":"negative","sentiment_score":-0.4717495441436768},{"text":"Because with those defined benefits, they tend to sit there in the background for all these years, and then you get it for a lifetime. But there's no tax upfront, but it's all at the back end. Whereas on this side of things, you're paying all the tax upfront and then tax free afterwards.","start_word":1950,"end_word":2003,"sentiment":"neutral","sentiment_score":-0.13908761739730835},{"text":"Rules are a bit strange.","start_word":2004,"end_word":2008,"sentiment":"negative","sentiment_score":-0.34368011355400085},{"text":"They make them up in the decades as they go along. Yes. Indeed. I mean, the whole the whole tax system for for me is, like, I'm a I don't claim pension. Alright? I'm Yeah. self funded retiree. So which in effect means I'm donating the equivalent of an old age pension to the government for nothing. Yeah. On top of the taxes that you still continue to pay Yeah. rather than in receipt. So it's almost a double. Yeah. I mean, if I didn't look after my bloody finances and I was, you know, drawing a pension, I'd be a you don't even know what the pension is. But, you know, $3,040,000 dollar a year drain on Tax the government free. or as a self funded retiree, I'm basically giving that to the to the government. It's the same thing that happened to my grandparents. My grandfather passed away, but he built he came over from Croatia and built all of these apartment buildings and workshops, and he self funded. But because he has a trust fund and a company, they've just been hit with those new laws to pay the 30 Yes. percent minimum tax. So even 82 year old grandmother is now paying 30% tax. Yeah.","start_word":2009,"end_word":2217,"sentiment":"neutral","sentiment_score":-0.11588099598884584},{"text":"Bloody criminal.","start_word":2218,"end_word":2219,"sentiment":"negative","sentiment_score":-0.43272507190704346},{"text":"Yeah. Carry on carrying on, I guess. Absolutely. Again, we'll keep doing our best to get things growing for you, and I will probably have the team reach out to you over the fortnight just to get you booked in to go over that plan. And Yeah. then we Yeah. can do the old closures and contributions and everything together. Yep. So Mhmm. I'll get working on that straight away and just keep an ear out for a bit of a phone call. Again, if I can talk to both of you on the day just to run through the figures, that would be great. If not, I'll just email it through so you've got some time to read through it. Okay.","start_word":2220,"end_word":2341,"sentiment":"neutral","sentiment_score":0.10705268383026124},{"text":"Awesome, That'll Richard. be Do great.","start_word":2342,"end_word":2347,"sentiment":"positive","sentiment_score":0.4758803844451904},{"text":"you have any questions for me before I let you go, Nope. sir? Nope.","start_word":2348,"end_word":2361,"sentiment":"neutral","sentiment_score":-0.06703212112188339},{"text":"That's all good. Thanks. Alrighty. As always, have a fantastic week, and I'll talk to you in a week or two. Okay. Thank you. Bye. Thank you, Richard. Bye.","start_word":2362,"end_word":2390,"sentiment":"positive","sentiment_score":0.5991750955581665}],"average":{"sentiment":"neutral","sentiment_score":0.044999371152935605}}}}