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One one one degree. Just one. Okay. Yeah. That's that's fair. That's that's a little bit nippy, guys. I'm not gonna lie. That's yep. That's there. Yes. That is that's just the SOA that we're gonna go through. I figured I'd get it to you while we could so we could talk through it. You obviously don't have to sign it. So you it's just a little bit easier to do it all in one. Rather than me, like, talk numbers at you the whole time, figured it was a little bit easier to kind of so you could read and ask questions as we go through. Perfect. Well, before I do jump into it, even though I've jumped the gun, I do need to let you know that our calls are recorded. And if I could just get you to confirm security, just date of birth for both of you when someone say the address on file. Perfect. Yep. No. You're perfect. I love I love that we forgot our our date of birth for a hot second. That's Okay. I get it. We're retired. The brain shuts down. You know what? That's fine. Live live that life. That sounds great. Because you get to do things on your own time. Means you can say, oh, no. I'm a bit busy this week. Anyway, let's jump into it. So, basically, what I'm gonna do is I'm gonna give a high level overview of everything, and then we'll get down into the nitty gritty. But essentially speaking, from all the conversations we've had, basically, Paul wanted to retire and you have. Helen, we spoke about looking to either drop down hours and wanting to retire pretty soon. What what I've looked at is all the options for you to drop down your hours, retire now, everything like that. And realistically speaking, what I'm recommending from a high level is that we finish out this financial year and you retire at the end of this financial year. Okay? Now if you wanna work a little bit longer, if you do wanna drop down your hours after this financial year, it does change a few things, but high level overview, that's basically what I'm recommending as we do. So I only got nine months left and then you can pack that pack that away and finish working yourself. That makes sure that we have enough assets, enough income to be able to do everything we're wanting to do. It gives us the income we need to be able to survive based on the budget you've given me. I gave you a little bit of an extra buffer in terms of an income drawdown as well because realistically, things happen and sometimes we splurge, and you guys deserve to do so. So the things I haven't taken into consideration is I know you guys said that you're willing to and you're obviously looking to sell the existing caravan, the noncollectible motorcycle, the second boat, and probably the second vehicle. I haven't considered those just because the timeline for you guys to actually sell them is when it happens. But we can, obviously, 100% circle around and do something with it. And I do have a couple of ideas on what we can do. It'll just depend on when you guys actually wanna trigger those sales as to what's gonna happen on that front. Now at the crux of it, and if you're going through with me, the first 12 pages are just basically me replicating information you already know. So it's page 13 of the document, of that statement of advice document. And what I wanna do is basically this financial year, pretty much the as soon as we can is transition you into what's called a TTR or a present retirement strategy, Helen. Helen. And what I wanna do is I just wanna get some a little bit of tax effectiveness happening where we take your income from your employer, pop it into your super fund, and and draw down from your superannuation fund as a secondary income. So essentially speaking, what that's gonna mean is you're gonna have two income sources coming in being paid to you rather than just the one from your employer. Essentially speaking, at a high level because I don't I don't wanna read verbatim all of the words to you. It it it's in a document and everything. But what that means is that essentially, you're going to salary sacrifice $841.54 per fortnight. So that's gonna come out of your gross income, which equates to $21,880 across the So that's gonna drop your gross income down, which means that your taxable income is only gonna be about $66, which means you're gonna pay about $7,000 less in income tax. And then we replace that lost income with a pension drawdown for $594.66. And you end up taking home actually a little bit more than what you are currently from that income source. So I increase your income by sort of about $600 across the year. We're not talking lots, but a little bit right now. Now this is all in stage one. So all of all of these this point is all what is what's happening or what I'm recommending that we do from basically now until the end of this financial year. Okay? Now essentially, what this is gonna do is this saves on tax. So we end up saving I should know the number. I've only looked at it 15,000 times. $3,720 roughly in in tax across the your taxable income and your superannuation tax. Because when the money goes into your superannuation fund, it does get taxed, but it gets taxed at that lower superannuation rate of 15% rather than your current rate of income tax, which you're sitting on the 37 rate. So it's just giving you that little bit of a a tax buffer, putting more into your super fund, and you're drawing out less because we're fading on that tax on that side of things. Does that make sense? Perfect. So I wanna do that. Then for Paul, what I wanna do is I wanna set up an account based pension. So we get a little bit income coming to you guys at the moment for the next nine months just to be able to keep up with the expenses that we have. So it basically, we take the entirety of your balance that you currently have, and we push that over from an accumulation phase into an account based pension phase. Now this financial year, I also recommend that now that we've ceased employment with your ex employer that we look at selling the company shares. Because your income this financial year has essentially been 42 and chain, you're in a really low tax bracket. So we can sell those sell those shares because I know they're about $30 worth and obviously that fluctuates. But there's there's about $30 worth. The capital gains, because you've been accumulating them slowly over your employment term, will all be calculated, like, differently across the term of the ownership. But I recommend we sell them now. That way, they're liquidated and you're done with the company, so to speak. And it means that we're not gonna be holding them for a longer period of time than what we need to. The tax laws change moving forward soon, and I just think it's better if we get offload those now and just reconsolidate things a little bit tidier than to keep holding on to them. Now what I wanna do is I wanna pull what is essentially it's $2,765.40 from the pension account per fortnight over the next sort of nineteen fortnights remaining in the financial year. Okay? So what that's gonna do is just give you guys that little bit more comfortable income stream while we have the mortgages going on and every closure. Now that is basically the income side of things covered. And then what I wanna do is just do a little bit of a change to our super funds. Now because, Paul, we're moving you into a account based pension, you are capital gains free. So doesn't matter what we do in that account based pension, you're completely capital gains free. I can sell every single asset and liquidate all of it and buy again, and you paid sorry. Hiccups. You paid nothing in tax. Helen, because you are still in an accumulation and working, had to be very selective as to what assets I sold down and how I distributed the funds because otherwise, the capital gains tax could be sort of the most capital gains you would have paid was about $5. And considering we're so close to retirement, it made no sense for us to liquidate a a tax implication to that degree now. So I picked I was very, very choosy about how I redistributed things. And my ultimate goal with both of you was to get rid of anything that was a little bit under like, on any underlying funds that just weren't pulling their weight performance wise and also to drop the overall cost of the operation of the fund. So a couple of the assets that you were you were invested in previously were just a little bit costly. They were doing well. Don't get me wrong. Like, it's not like they weren't pulling their weight performance wise, but they they were, like, 1% in an investment cost where I can could redistribute that and cut that into cents. So that's what I had an aim of doing was to basically redistribute the cost, just decrease it down, and I've been able to do that. So whole I did a full overhaul of your investment portfolio, dropping the investment fee from $36.35 across the year down to $15.14. So massive like, it's it's $2,100 in savings across the account across the year in that investment fee positioning, which the investment fees are all built into the actual operational cost of the account. So it's not something you always see, but they do they do exist, and I always wanna make sure that I can account for that. It's not something you don't necessarily always see when you're looking at a at a report on the account, but it's something that I take into consideration and I look at because some of the investment can be costly from an underlying cost base, and I wanna make sure I consider that in the overall operations of it. So I considered how that all looks across the account and was able to, yeah, literally cut it in more than half, which was actually amazing. Now, Helen, I was able to drop yours from 1622. Oh, computer's loading. That's fine. Down to it's 900 and change. So it ends up being a $681 savings across the account, which is fantastic. And we were able to save some stuff. Now performance wise, Paul, your your your performance across historical performance data increases by that 2% year on year. Helen, yours is actually pretty much in line with each other. Like, I it's because I haven't changed too much of the assets around. It's just I had more of a focus to Helen on actually looking at the the the investment cost than the performance because the performance was really working well within your your investment. It was just a matter of that performance cost was a little bit higher than what I would not necessarily like, I guess. Now is everything making sense, or am I running a million miles an hour because I'm somehow living on two hours sleep? Now Yes. Absolutely. Yes. No. That's just within the that's just within the the the the superannuation account. Yeah. I'll I'll get I'll get to the investment copy. Don't you worry. It's coming. No. Don't apologize. Not at all. Fire questions away. I'm always happy to answer questions. Absolutely. Now I'm on sort of page 33 ish because I've I've read this document that many times. I'm kind of back to front and upside down with it. What happens when you write it? Now on page 33, there's, like, a buy sell spread. So it shows what assets I'm getting rid of, what assets I'm rebalancing. So for example with polls you're a little bit underweight in gold so I'm buying a little bit of gold. I'm buying a little bit more in one of the cool composite bonds that you have. I'm so I'm dumping or I'm I'm getting rid of the Bennelong asset. It's an Australian investment asset. Its performance has been pretty air. It's doing okay. It's just been air and it's 1% investment fee. BHYB, which is the banking hybrid, banking hybrids are being phased out within the next it's 2022. I'm sorry. 2032 that they're being phased out. So rather than wait for the asset to be phased out, I'd rather get rid of it now while it's performing well and while the asset is actually sitting in a good price point rather than waiting for it to be phased out and you get to whatever the replacement ends up being. Legislatively, they're being phased out not just with the investment manager, it's across the board banking hybrid. So I made the choice to get rid of that. I'm swapping the tech and lithium asset for a cyber security, so moving more a little bit into the AI sector than the system and then just diversifying a little bit out into some, like, Europe, Japan, stuff like that. So nothing crazy per se going on. Just literally just a little bit of a redistribution of assets across the board. Helen, for some ungodly reason, my computer is loading slowly. But, Helen, I've done what I've done is you have a ClearBridge infrastructure income fund. Paul has it too. I've dumped it completely from Paul Paul's. But that's pretty much the only thing I'm actually getting rid of under yours is I'm getting rid of the infrastructure income fund, and I'm swapping it for a much cheaper hedge ETF, which is a it's a global infrastructure fund. It's just it's it's that's where the majority of the the cost is coming from with your account. The BHYB, I haven't gotten rid of out of your account yet because it's performed well. If I dump it from your account now while we're not in pension phase, capital gains starts hitting us. And it's it's not huge if I just dump that, but I'd rather just hold off. It's performing well. It's just I would like to make a move and a pivot on it eventually, and that'll sort of come in a few months' time. And by a few months, I mean, probably closer to 12. So rather than overcomplicate things by saying let's do this now and then this in twelve months, I just figured I'd stage one, and I have left myself a nice note as to where I wanna head next year anyway. And I figured I'd hold off and depending on how the market goes, we might I might change that anyway. I looked at too many things to be able to wrap my head around, but it's okay. So that's where the assets fit from that perspective. So not a huge amount of changes. Just for you, it's literally just a a straight one for one swap. I'm not rebalancing anything in your account because, again, triggers capital gains, so I don't wanna push that rebalance. It's not too far off kilter in terms of asset holdings. You're a little bit high in gold, but that's not like, like, I'm I'm okay with that at the moment. It's not anything too bad. And we're only gonna ride that for for nine months, basically, because what I wanna do is we're gonna connect later late June at the latest to basically touch base, make sure that you're all happy to pack up and go from there. Now does all of that make sense? Like, that's that side of things is pretty straightforward in terms of where we're sitting. Because it's it's literally Paul's already retired. We're gonna sell the company shares, set up a set up an account for him and get some money paying to you guys. And then for you, it's gonna be a set up set up a partial pension account. And then you're gonna have two income streams. One from your employer, one from the pension account. I will draft up the letter for the salary sacrifice so that way you can just hand that straight to to work and do it all. That way you don't have to think about numbers and read through a 85 page document to find it again. Look, I tried to keep it small. Yep. Long term. Yes. No. And I did I did I did consider it. I haven't included it in the document here, but I did consider it. And realistically, because your which I was asked to touch on anyway, so we'll just we'll kinda circle down to it anyway. Because your share of the property is so low, because you only have 10% whereas Paul has 90, It it actually works out nicely if you do continue working next year. Because realistically so stage two of the document is the twenty twenty seven, twenty twenty eight financial year, which is essentially in July, first and foremost, hey, Helen. You're done with work. Retire. Yeah. And with that, you can take your long service leave. So you could you basically hang up the hat in in, say, June, what whatever week would work for you, and start taking your long service leave. It depends on your company, and this is the part that I got stuck on a little bit. It depends on your company and how willing they are to do things because there's two ways to take long service leave. You can either get paid out a lump sum, which if it's a lump sum, we're definitely gonna make sure that it's paid in the 2728 financial year. If it's a if if they can pay an income stream, then it's it it's fine because it'll just be, you know, weekly fortnightly payments, and it's not gonna like, it still ends up being the same amount of money. But if you quit work in the June and they try and pay your long service later's lump sum, it's just gonna mess up the tax year for this current financial tax year. Yep. Correct. Yep. And not go back to work and and and be done. And the long service leave the the fun part about it is if they pay it in in installments, you actually accrue annual leave as well. So it means that after two and a half months worth of long service leave, you'll then have an allotment of annual leave on the back of that, which, you know, 2.5 is basically gonna be sort of a week's worth of annual leave. Yes. Two weeks? No. It'll be half a week. Half a week? Half a week. Half a week worth of annual leave that'll be accrued during that period that you can then get paid out as well. So it's back and forth super funny, but that sort of that side of thing. Correct. Yeah. Twenty 07/28. Yes. Yes. So it'll be the June 30, the July 1, whichever whichever works out. Yep. Yep. Yep. That's correct. Paul's got it right. So, basically, you at the like, however how many weeks you need to give them notice, you would say at the you know, it might be May. You might turn around and say, hey. I'm gonna take my long service leave. I'm gonna start my long service leave on the 20 June 8. And I'm gonna start my long service leave on the July 5, whatever whichever date you wanna sort of call it because that unfortunately, the the this financial year finishes in on a midweek. But you would then start your long service leave and just continue through your long service leave. I'm assuming you probably have a four week notice period to tell them you're quitting. Yep. So halfway through your long service leave, you'll just turn around and say, hey. By the way, I resign. Thanks. That's okay. Look. I could pretty much draft up your your your letters of retirement if you want and put the dates on them that you have to send them. That's okay. So you retire and you run your long service leave. Now because they're gonna meet again at the, like, June like, mid June this year before you go on your long service leave, we can kinda touch base as to how your employer is gonna pay you out because you may turn around and give notice or your intending intended long service leave, and your employer may say, hey. Be honest. Are you retiring? And you you may, depending on how you're feeling, actually turn around and say, yes. I am retiring. And they may then make the decision to lump sum pay it. It's not an issue if they lump sum pay it so long as we get make sure that they pay it next financial year, so 2728 after the July 1, then it's all kosher. It's just dependent on how it all falls, how honest you wanna be with them. I have, like, four clients that are retiring within the next nine months on the government a month ago, and they're all sort of different. It's just it's employer based. Now the reason it's important is because of, obviously, the intention to sell the investment property. Now I went off a basis of 1.45. I know you guys have previously told me it's about 1.4 worth of the house, but I'm I had a look in the area and I had a look at property growth rates, then I increased it a little bit. I think my calculations ended up being, like, 1.452 something rather. So I rounded it because I hate dealing with non round numbers. It makes things messy. So I went off a value of one four five. I looked at realtor costs down in I use in the in Sydney as a base. I know that Glenfield's not quite in, but I went with the highest possible realtor cost as a percentage. I added on marketing cost and a conveyancer. That's really all the cost that you're gonna incur when it comes to the property sale until you obviously get to settlement and depending on how much of the rates you paid and how much of the blah blah blah and everything else that's due or overpaid or whatever the case may be. That'll get settled at settlement, and that's not something I can calculate unless I knew the exact date you were gonna settle. And that's conveyance's job, not mine. That's why you pay them. So what I got was we sell the house for $14.05. Obviously, if this figure changes, it does change things a little bit, but irrespective, we deal with sort of the bulk of it. It's $14.05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012. 90% of the property is owned by Paul, 10% owned by Helen. The sale price of $14.05 will result in a 145,000 of that sale being allocated to Helen and that remainder 1.305 being allocated to Paul. The sales cost gets split across as well, so 5 to Helen, 45 to Paul. The purchase price is split. So of that $409,649.60 is Helen's, $3,686.40 is Paul, which means that after everything's said and done, the capital gain allocation ends up being $495.20 to Helen and $4,456.80 to Paul, which means that at the combination of it all, Helen's paying $5 well, just $58.41 of tax because the capital gain is what you add to your your income. Obviously, neither of you have an income for that financial year, so then it carries over. So, Helen, if you do end up getting a lump sum payout, you know, with your long service leave, any of that, that's why I'm not fast. Because you have such a small holding of the property, you earning a little bit more income from, you know, three months worth of well, two and a half, but, you know, three months worth of long service leave isn't going to push us into a silly area at all. You're not gonna be jumping brackets is the main part, which is good. So we stay in the same brackets we're currently in. Paul, you're obviously, you know, little little bit higher, just a smidge. Nothing crazy. Yeah. This is this is it. Higher. It's just, like, $1.90 $1,799.47 in tax payable. So it means that our capital gain is something about a 185,000. Absolutely. Now the really there are a couple of things that we can do when we get that far to actually sell the house, and what I will do is a limited scope of advice piece at that time. But pending what we actually sell the house for and where things sit is we could do some lump sum contributions into the super fund. And because Paul's not working, we could basically pop 32,009 $32,500 into his super fund and claim it as a tax concession against that capital gain. But that will be a next year piece of advice that I will actually loop the the your accountant in on when we sell the property. And it'll be after the property is sold, and we know what all of the actual figures are, and we can do it anytime during that financial year. I'm not too stressed because we'll have the entire financial year to deal with it. So long as you don't go and sell it, you know, in the the May 2028, that would really suck, but that's okay if you do. So just mean we're we're taking our tails. Now ultimately speaking, I do want you guys to try and sell the house earlier than later. However, looking at your tax return, the house is pretty neutral anyway. So it even if you do keep the property for an extended period of time, it's not going to affect us tax wise too much because the property is pretty well neutral in terms of you know, it's not positive or negative. It's a little bit negatively geared. At least it was in that tax year whether that changed a little bit because we've paid down mortgage and stuff like that. It was in that tax year. Now Me too. Now where the cash all sits. So house gets sold, realtor cost, capital gains tax, we pay the Glenfield mortgage because it it has to get paid. It'll get paid during the settlement. That should leave us with roughly pending sales cost and everything else about $755,221. Super cute. Now what I propose that we actually do is we utilize that 700 and let's call it three quarters of an hour, and we add what's called a downsizer contribution into both of your super funds. So it's a $100,000 that can be popped into both of your super funds after the sale of the property. So that's $200,000 gone out of that. We utilize a 100,000 more of that money to buy the caravan that we wanna buy. I went on the upper side. I know you know you told me between 80 to a 100, but I figured I'd go on the upper side of that. And we still have plenty of room to move with that, by the way, but a 100. And then we use 3.5 of it to pay off our current resident mortgage. That would leave us with by the time we allocate the 200 to the super funds, 100 to the caravan, and the 3.5 to the mortgage, it leaves us with a 100,000 left over from the sale and the 270 we have sitting in the offset. So we have $370,000 to do things with. That's where the fund comes in. So the the tables that I have here just kind of, like, dot point and kind of just show where the money's going to sort of explain it all. Why are you blank? You're not blank. You're just pretending to be blank. Cool. I'm gonna keep talking. I know what the document says, but I'm gonna assume that I'm saying it in the right order. So what I wanna do after we essentially sell the property and pay the capital gains and deal with everything is just finalize your financial position. So that is a matter of looking at where where we get our cash flow from and what we do with everything moving forward because you guys will have no mortgages overhead and everything will need to get basically refreshed. So what I wanna do is I wanna refresh our pensions and get everything up and running. So, Helen, yours will be I believe it is Helen's note. But anyway, what I wanna do is is basically take Helen's account and merge them into one and create just a full straight up pension account. It'll be it's what's called an allocated pension, so you will be in the same position Paul's in. Hold for you, what actually happens on the sale of the house is we open up a brand new accumulation fund to put that $100,000 downsize of contribution in, and then we reamalgamate the money back into one account. So it'll all happen from a back end point of view. The only thing you're gonna see is I'm gonna be sending you applications left, right, and center, and I'm just gonna go say sign this. It's for this part of the advice. Because all of these stages, they're all gonna need applications at the time that we triggered the the, like, the the stage. Not it's not like I can send everything to you now bulk and get you guys to sign off on it all over the next nine months. Of course not. That would be too easy. You do. I know you do. Yes. Nope. Trust me. I know all about it because we both talked about it, and I told you you paid premium. I I didn't include this I didn't include the the payment from The UK to here. A, there there's there's a couple of different layers. A, whether you intend on keeping the money in The UK so that way when you, like, go and visit family, it's available to you there rather than paying the transfer cost. And b, it doesn't work the same as the pensions here in Australia. So the amount that you get paid from it changes. So what I've allocated that money to because, basically, I've estimated based on where it currently fits and what it's doing at the moment because I told you to do the top up additional payments. It's not acceptable until you're 67, a, but, b, it's gonna be about $350 a week, which is about $18 a year. And what that's gonna do with that, that's just gonna, at 67, give you a little bit more of a of a boost to your income and allow you to go on a little bit more extravagant holidays and stuff like that. So it's you cash flow wise, you guys are so fine. Like, honestly, so fine. By the time you hit 67, you'll basically be on about a $100 a year because of the The UK pension. It is in the document. I've included a statement there. It's on page 70, which well, I'm nowhere near yet. But, anyway, I'll go back up. Oh, that big. Dang. No. You're so fine. You're so fine. So well, bye bye. Cool. There. So we're selling the property. Because we sell the property, we're freeing up about $60 a year because we're no longer having to deal with the property cost, and we are going to pop some money into the super funds, pay off all the mortgages, and be debt free and happy. We have about $370 left over at the end of it all from the property sale offset, everything like that. And then what we need to do is we need to commence an account based pension for Helen. So what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax free. So what's gonna happen is we're no longer gonna need need to deal with with any of the the pesky tax stuff. But we look. We still do. Don't worry about it. But it's not gonna be the headache that it currently is for you both, having to deal with the investment property, having to deal with, you know, getting valuations and all the rest of the rigmarole. It's gonna be pretty down the line. Now you're pulling a little bit over the minimum for your account. So because you are under 65 by the time we start this, your account minimum is 4%, which based on the account balance you'll have at that time would be about $22,500. We're pulling a little bit over that. We're setting a specific amount because it's what you guys need cash flow wise, not anything else. Now what I've done is I've done a bit of a table to show where like, how the money kind of will trickle feed through, page 48. So how your account balance migrates moves and eventually by the time we're sort of sixty two sixty three, that account is actually gonna sort of be exhausted. Sorry. 62 sorry. 9092939293. Sorry. Sorry. Get my numbers right. That account will be exhausted. You have a slightly lower starting balance than what Paul does, but it's okay. Paul Paul is gonna fold this through for us. That's right. And we have a a cute another little savings account on the side anyway. So it gives longevity. We have plenty of income coming in to support you in terms of of income, and that's only half of our income need. If we scroll down past all the risks, warnings, advantages, and disadvantages, we come to polls where, basically, for poll, do the same thing where we merge all the accounts through a refresh because we'll have those two accounts open. We merge both the accounts back together again and restart the account. Oh, that's cute. The opening balance on the account at that time will be $9.89 because we will have over the last nine months drawn down a little bit of money and then popped a $100,000 into the account from that property sale. The account balance will be sitting up at $9.89, and then the intention is to draw $37,500 from that account as well. That gives us the $75,000 that from the budget that you guys sent is what you guys need. So, obviously, less than mortgage pay repayments. Your budget is 75,000. It was short of 75,000, but I gave us a little bit of a buffer. If you guys want more, we can definitely accommodate more. It's not gonna be an issue. And, obviously, once you guys do settle into retirement life, you may realize that the budget might not fit, might need a little bit of adjustment, and we can adjust and pivot where needed. We have plenty of room to do so. So for Paul's, as you can see, the account's still going at 98. We're pretty good. That's that's in a stress. Now because we are we're gonna have $370,000 at the end of the sale of the property and the distribution of funds to pay the mortgages and all the other bits and pieces and everything. What I wanna do is I actually wanna pop that money into a investment account for you both. It'll be in joint names. It'll be connected to your hub twenty four super fund, but it is an investment account. Now while there is consideration for the fact that an investment account can incur tax when we sell it. The majority of your income stream is gonna come from your superannuation funds. And if we ever do sell down on the investment there, a, it's in joint names, and b, I wouldn't anticipate that you guys are gonna need to sell down on an exuberant amount of money. So the tax implications are gonna be minimal to not there. Because unless you guys are anticipating, you know, turning around and being like, we need a $100,000 and we wanna take it from there. If that's the case, you've earned $50,000. $50,000 tax is basically equivalent to about $5 worth of tax, call it, just to keep around. So we're not gonna be paying an exuberant amount of tax if we do have to liquidate that that asset, and it just adds a little bit of spice to it all. The other consideration was that we could pop majority of it into Helen's Superfund under non concessional. But what I do wanna do moving forward is in sort of twelve months, two years, after everything settles for you guys and we sell the property and we have everything done and everything's kosher, is I do and it's not included in this advice document, I'll be clear, because I didn't wanna overload you, but I'm talking about it anyway, is do what's called a a recontribution strategy where where which is where we basically take money out of the account, pop it into an IDPS for a day, and then pop it back into the super fund. And what that does is it converts the funds into a tax free benefit. Now the benefit of that is is whilst I know that you guys are beneficiaries for each other, if anything happens to the other one and then the money that you have in the Superfund for example, if something happens to Helen and she passes away, because Paul has the highest benefit there, the the benefit that would then be paid to the secondary beneficiary would be taxed on the taxable component, which is the most which which which is quite a high amount. So what I wanna do is I wanna start trying to get to the point where we can kind of get you guys into a little bit more of a tax effective position. Sorry. A little bit more of a tax effective position inside the super fund. So I don't wanna go eating into the non concessional contribution amount inside your super funds with this 350,000 because I wanna try and get the amount that you have in your super fund to a tax free bit. But while we're doing all of the sell the property and everything like that, I just don't wanna overload it, and it's gonna be a we touch on next year once we know what the property sale and everything looks like. Because if the market goes for a boom down in Sydney all of a sudden look. Not anticipating it doing so. But who knows? If it does go through a boom or something happens, I just wanna have room to move and and wiggle, and we can we can add pieces of advice to this quite easily. Not easily, but we can we can add to this. It's a lot easier than taking away from it. That's what it is down. So investments are pretty much really, really similar to what you guys already hold. It's a a bit of a a move through a lot of the assets that you guys already have in. I've doubled up on the last three, but anyway, it's the same assets as what you guys already hold across some of your your other assets. It's just that it's a little bit different fluidity or the different waiting, and that just gives us a nice cheap overview of the account. I have replicated Helen's risk profile, so a little bit more conservative than what Paul level has been than going to the increase because we don't wanna take risk with this money. We wanna be pretty chill with it and go from there. Obviously, if we kept it in cash, we'll be sitting at the cash rate. The banks never pay 4%, but for argument's sake, if you were to put it into a term deposit for 4%, you'd be making pretty muchly nothing. It could be sort of over five years, you'd you'd make not much versus if you if we pop it into the investment, we're looking at more like an eight percent investment return. I stress tested it as well, and I'm really happy with having this kind of structure to it. And, of course, later down the line, we can always drip feed that money into the super funds later, but I wanna try and focus more on trying to get a lot of the superannuation balance balance into that tax reposition over the next few years rather than push for trickle feeding that money in. Now Centrelink is totally off the table. Yeah. Yeah. Yeah. It is. But I I I did the research, so I popped it in for you anyway just so you could have a look at where it sits and just give you a kind of a bit of a rundown. So based on all the strategies today, Centrelink's on the table. These are all the assets you kind of hold. Obviously, if you upload some of the assets, we can look at what we do with it. So if we do end up selling, you know, boat two, motorcycle, and the other car, we could look at maybe popping that money into that investment account in the future and or it's holiday money. I know that you guys wanted to go to Italy. Italy? It was yeah. It is Italy. Sorry. All of my clients are traveling at the moment. It's actually really difficult because I'm not. So I know. It's sad. So I know you guys want to go to Italy. You'll kind of notice there's $20,000 from the house sale that's not accounted for. You currently have the liquid funds to be able to do it sitting in the offset, so it is achievable for you guys to do anyway. It's it's more of a permission piece, I guess, for me saying, yes. You can go to Italy. It's not going to affect you. You can quite comfortably travel travel there. You can go and do the trip you wanna do, and it's not gonna be an issue. Look. Liquidating assets, the the motorcycle, boat, car would definitely fund the trip. House sale gives you a little bit more sitting there. It's it's not not gonna be an issue for you guys to do that travel. Now essentially speaking, joint wise, nonfinancial asset as it currently stands, we have 209. Property is excluded from that and on top of it after we obviously sell the investment property. By the time we pay everything down, do all the strategies we wanna do, we'll have sort of $370,000 sitting in cash remaining. Obviously, we're investing 350 of that. And your contribution your superannuation funds after we do all the contributions, we'll be sitting at about 1.5 mil combined. What we're gonna do is obviously do those pension accounts for both of you, which means that combined, we have $2,884.60 being paid between the two accounts per fortnight into bank accounts, into your bank accounts, which gives you everything we need from there. And then from there, basically, I've just done a joint drawdown strategy to show you based on your ages, based on the total capital of the balance, in this calculation, which is done off a conservative interest. What the drawdowns would be, fees associated with the account across the years, how it operates, how it runs, and basically when we run out of money and or not, which is and or not because we don't. Sorry. Yeah. Not '98. Yeah. Ninety eight's doing good. Doing real good. Now in this strategy sorry? Damn. Well done. Wow. That is amazing, actually. I my my aunt, by not blood, you know, how you have those family members that are friends, but my aunt, her grandmother, 92 oh, sorry. 102. Yeah. Her hundredth birthday was amazing. Watching her neck half a bottle of wine was impressive, actually. Just goes to show. But you gotta yeah. You gotta drink your fruit. Yes. So if Paul does do that, look, it doesn't change anything drastically. It'll be a matter of Paul giving me a call and saying, hey. I have decided to go back to work. In this document, in the in the all of the outcome wordings and stuff like that, I did address it a little bit. If Paul decides to go to work, I can't account for that until I know that a, Paul is gonna go to work. When does Paul go to work? How much does Paul end up earning? Is he working, or did he go and volunteer for VINI's? Please volunteer for VINI's. No. I'm kidding. Don't. Do whatever you want. That's okay. Yeah. Do that. So It it's it's not an issue if you if you do end up doing it. You do need to give me a call, though, like, as soon as you know that you're gonna start work. Well, the biggest thing is is you're gonna need to call me because you don't have Superfund. You have a pension account, and a pension account can't can't take money in. It can only pay money out. So I need you to call me to say, hello. I started a job, and I need someone to put the money. So we can do that. That's fine. It's just when you get to it, we'll do it. And all we'll do is we'll just do little cute refreshes and stuff like that. Your income that's not me. Sounds like you should take your wife to Italy. Yeah. No. Yeah. No. I know. I know. Yeah. Yeah. Absolutely. If you if you wanna if you wanna end up putting like, selling because what? The car you're gonna sell is the $15, the second car, not the main car. So that's like a $10 car. The boat's about $8, and then the motorcycle's another 10. So what's that? $28. Probably not gonna be enough for you to actually buy a motor home unless we're buying a really small one. Yeah. But theoretically speaking, you could, if you're comfortable to do so with the fact that you're gonna have a little bit extra income, which realistically knowing what your budget looks like, you should be comfortable, you could take out of your offset. You just need to know and acknowledge the fact that you're gonna start incurring intro like, more interest on your home loan over the next nine months if you do that, but you could definitely expediate it. And the only reason I say that you could do it now is because I do know that, a, depending on the type of motor home or caravan or whatever that you're going for, prices of for those are increasing and have been quite aggressively. So sooner rather than later could be a good idea in that in that realm. Me being able to calculate the difference between I could tell you how much like, how much your mortgage is gonna increase and what interest you're gonna incur over the next nine months if you do that, but I don't know how much the motor home's gonna increase over the next nine months. That is noncalculable. No. It's okay. But, like, realistically, if you if you buy the caravan in between anywhere between now and when you sell the home, it's hunky dory. The the biggest part is is just probably starting to talk to the real estate towards the end of this year about the fact that, yes, we wanna sell the home, that we don't wanna put it on the market until, like, say, the end of June. You could put it on the market at the end of June next year. That's not an issue because there's no way you're going to sell it and settle in two weeks. And if and if someone comes to you and says, yeah. We're gonna buy it, settle it cash in in a week, you go, cool. Settlement's on the July 2. And you you just push it to that. So yeah. So you you could 100% put it on the market early. But I had a look at Glenfield Glendale? Glen Glenfield. And and I don't think you're gonna have too much of an issue selling. Yes. Yes. So I don't think you're gonna have any issues selling. So you're pretty fine on that front. It's just it's a matter of, I guess, personal preference as to when you wanna trigger that. The earlier you sell it, the happier it is. That area is not expected to go through a boom at the moment, so and I'll keep an eye on it over the next nine months. And when we talk in June, if it has triggered a boom, then maybe we wait a little bit. But at this point, it's not looking to like, it's pretty stable there. So we're pretty good to hold. But, yeah, cash flow wise, we're good. Money lasts long time. That drawdown strategy is only looking at the super funds. So if we want extra money, don't forget that that there's a $350,000 sitting in the investment account. So we can also trickle trickle that through. The future considerations are those cash out recontribution strategies, maybe adding a little bit more to the investment account depending on what we end up selling those the bikes and stuff for. I know we're keeping the collectible bike. I know we're keeping the other car. Like, I know that the the big boat, the big car, the big bike, web keeping. But if that changes and you guys wanna sell and liquidate them later, we can do so, and it's just a matter of what do we do with the money at that time. And I already sort of have dot pointed a few strategies as to what we do, where we either invest it, we can put in away, anything like that. I think the biggest consideration for the future advice where we do the recontribution strategies, and it'll be stepped out a little bit slowly and we'll just concentrate on that as an area, is it's for our state planning side of things. Now the good thing is is that we're we're very much liquidating things a lot. Realistically speaking, I've kept to your budget that you've set, and I am so happy once we get to end of end of this financial year. If you guys do sit down and go, you know, what we wanna be a little bit more what's the opposite word to frugal? Frivolous. Thank you. We do wanna be a little bit more frivolous, then we can be so. Then we we can increase the amount that we draw down on our super funds. We can say stuff it to the kids. We're not leaving any money behind. You have the house and spend our money. So sorry. The biggest thing is is there's plenty there's plenty of an of an estate to leave behind for the kids. It's it's it's really not an issue between the fact that we've the PPR, like, the the primary residence house that can get liquidated and split or they can, you know, turn into an investment property and split the the dividends, other income. It's a fully paid off property, whether, you know, us doing those recontribution strategies now or so niche rather than later means that we're putting the money into a tax reposition. So it gives them more money for anything that is left over. All of those considerations are for them. But realistically speaking, if you guys wanna increase from 75,000 to $80.85, even 90, we're still really comfortable. If you guys turn around and go, no. We're actually gonna hit some really big, like, Europe hit holidays, and we're gonna you know, our budget for our holiday is not, like a 10 holiday a year. It's now a $30 holiday a year. If we're gonna go and do a really big one, then we can accommodate that. We can also just do it as an ad hoc. So if you just turn around and say, hey. This year, we're going to blah. We wanna pull the money. I could just pull it right across the two accounts. Okay. So all in all, I guess, highlight are and my favorite page is probably page which page is it? Page 81. It hurts me when we start getting into the high numbers, but it's a how to implement the advice step by step. So it has each of the the time frames, the dates, the bits and pieces. It steps it out so that way it's easy to flow. And at any point when, you know, me or my team gives you a call to say, hey. I need this form signed because we're doing blah. I can be like, it's point seven of the stage one or it's paid. It's point two of stage two. So stage one is obviously from now until end of financial year. Stage two triggers the June, July of stay of 2027. So selling the property, we don't sell until July, but we can obviously put it on the market a little bit early. Downside the contributions and everything else triggers on the back of the property. It's it's just when you guys want to or when you guys start triggering things, I need you guys to just communicate with me, email me. So let me know. The biggest thing that I'm going to ask is if you can cc info in, so info at financial, just because my emails get hammered daily. And if I spend a day not looking at my emails, which happens more and more these days, I get back to my emails, have 700 of them, and then I, you know, they get they get they get buried quickly. Whereas if you if you email info as well, I have all all of the admin have access to that, and they pop your name into my calendar, which means that I'm there. The other thing you can do is just if you ever like, if you ever want to meet with me, just send me through a calendar invite because it pops up into my calendar, and I'll just I'll give you a call. And and that works nicely too. No. That's okay. Kaden Kaden messaged me. He's like, you realize that Helen's emailed you? I was like, no. She hasn't. He's like, yes. She has. I was like, oh, no. No. No, Helen. Yeah. I was gonna say, if you so the second the second document so there's 82 85 pages? Eighty four pages? Eighty five? Eighty five. Too many. Ages in that document. If in the second document, which is the appendix, that's attached, if you scroll down a little bit more, that has some of, like, the calculations for the alternatives that I considered, which is sort of, like, your position now versus if you drop down to part time, if we sold your PPR instead of your investment property and you then bought another smaller house. Realistically, housing prices in your area that you live in are unstable. Like, it it it burned. And for you guys to downsize was a little bit hard for me to look at. I looked at a bunch of different properties. I looked at estimates. I talked to one of my property guys trying to figure out where we could go, what we could do. And at this point, I literally turned around to Caden and was talking and my power planner was talking about your your file and going, at this point, I think Helen, Paul, and I should just go house hunting together. I'm like, it looks like it's gonna work out better than me sitting on the Internet trying to figure it out. So yeah. So look. If you guys do ever wanna It's a when you guys are wanting to do it. Yeah. The the biggest the biggest comfort the biggest comfort point for your PPR is that it's it's capital gains free. We're not gonna pay any capital gains tax. It's just the sales and then the repurchase of another property that's the painful part because, obviously, new property stamped due and stuff like that. The sale obviously has a lot less cost associated with it. You've got your real estate fee and conveyancer. But on the, obviously, purchase side, you've got all the transfer taxes and the searches and the conveyancer costs and and and and and and. But you'll be doing a cash sale, so it's not too too bad. It's just depending on what you can sell for and buy for. I know that your PPR is in around that same sort of 1.45, 1.5 mark. I think I actually had a look at it. I think it's sort of sitting somewhere around the 1.63 at the moment, to be honest, but when we spoke, you had quoted to me about 1.45, 1.5. So your PPR is increasing value a bit, but, again, the valuation I get versus what you actually get for it on market, totally different. Can only go so far. So that appendix, I think is about 22 pages worth. It's just the alterations of the alternatives that I considered when I was going through the plan, and it's also like, the links to each of the investments that I've recommended on and each of the accounts and then some general tidbits and information. Now I am 1000% not expecting you guys to sign this straight off the bat because there is a lot in it. You know, just a casual 107 pages combined. There's a lot of there's there's a lot of bits and pieces to it. There's a lot of moving parts. Now if you do decide to go ahead with all of it or with some of it, you'll notice in the sign in on the sign page of the SOA, there is a authority to proceed. There's a text box there that enables you to type in words. So you can type in, we don't wanna go ahead with this. We wanna hold off on this, whatever the case may be. Obviously, it did the trigger points. I'm gonna talk to you anyway because this document carries us over more than twelve months. I'm gonna talk to you anyway throughout each point to be like, hey. You know, you guys are like, I'm selling the house. We're like, cool. So the sale of the house triggers this, this, this, and this. We're still comfortable to go ahead with each of these. And because there's gonna be application documents for everything we need to go through, we're gonna be able to do that. Now if you're happy to trigger stage one, and it's it's it's upon your it's upon your time frame, really. If you're happy to trigger stage one, realistically, the the thing that I need is bank details from you both, which I'm happy for you to email me after you've had a chance to sit down, talk, and Glenn and I have been talking here for an hour and a quarter. Sit down, talk, and then you can email me with the bank details, and I can pre fill out those forms for the pension accounts so we can get the full allocated pension to Paul and then that partial transition to retirement strategy set up for Helen. And I can do up the sales tax letter and so on and so forth. So the company shares it's just this financial year, really, it it you you have time. It's this financial year. If you have any questions when it comes down to it or you, you know, you you wanna sort of talk about it or or, you know, you get a statement from them, because I know you've accumulated them over a long time. You can let me know. But sitting down there with the account and having a having a talk to them, I looked at the highest possible tax capital gains that you could pay, which would basically be as if you had not like, it's $30 worth of cap like, $30 worth of capital gains added to your income. It pushes you into $70 worth of income. It's not it's not a lot. Like, I'm it's really not a lot. And the disposing of them now rather than holding them is just it just liquidate things and get you in a better position. It gives you $30 worth of a a cash buffer. That's $30 closer to buying a caravan. That's fine. If you have any questions or you you wanna know anything, just send through an email, and I'll I'll we can organize another call or I can respond in in text either either way, depending on how complex it is, and go from there. Okay? That's okay. No. Who who needs sleep? Sleep for the dead. We're okay. I've no. I really do. And I hope your son has unfired me, by the way. I think so too. That's okay, my darlings. You guys have a lovely rest of the day, and shout out if you need anything. Okay. Oh, yeah. I've got a full agenda today, but that's alright. We love it. Bye, guys. 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Paul, Larissa with you. How are you going? I mean, be anyone you want me to be, really. Perfect.\n\nHi, Helen. How are you going? Yeah. Not bad. How how is Canberra going?\n\nNice and cold? One one one degree. Just one. Okay. Yeah.\n\nThat's that's fair. That's that's a little bit nippy, guys. I'm not gonna lie. That's yep. That's there.\n\nYes. That is that's just the SOA that we're gonna go through. I figured I'd get it to you while we could so we could talk through it. You obviously don't have to sign it. So you it's just a little bit easier to do it all in one.\n\nRather than me, like, talk numbers at you the whole time, figured it was a little bit easier to kind of so you could read and ask questions as we go through. Perfect. Well, before I do jump into it, even though I've jumped the gun, I do need to let you know that our calls are recorded. And if I could just get you to confirm security, just date of birth for both of you when someone say the address on file. Perfect.\n\nYep. No. You're perfect. I love I love that we forgot our our date of birth for a hot second. That's Okay.\n\nI get it. We're retired. The brain shuts down. You know what? That's fine.\n\nLive live that life. That sounds great. Because you get to do things on your own time. Means you can say, oh, no. I'm a bit busy this week.\n\nAnyway, let's jump into it. So, basically, what I'm gonna do is I'm gonna give a high level overview of everything, and then we'll get down into the nitty gritty. But essentially speaking, from all the conversations we've had, basically, Paul wanted to retire and you have. Helen, we spoke about looking to either drop down hours and wanting to retire pretty soon. What what I've looked at is all the options for you to drop down your hours, retire now, everything like that.\n\nAnd realistically speaking, what I'm recommending from a high level is that we finish out this financial year and you retire at the end of this financial year. Okay? Now if you wanna work a little bit longer, if you do wanna drop down your hours after this financial year, it does change a few things, but high level overview, that's basically what I'm recommending as we do. So I only got nine months left and then you can pack that pack that away and finish working yourself. That makes sure that we have enough assets, enough income to be able to do everything we're wanting to do.\n\nIt gives us the income we need to be able to survive based on the budget you've given me. I gave you a little bit of an extra buffer in terms of an income drawdown as well because realistically, things happen and sometimes we splurge, and you guys deserve to do so. So the things I haven't taken into consideration is I know you guys said that you're willing to and you're obviously looking to sell the existing caravan, the noncollectible motorcycle, the second boat, and probably the second vehicle. I haven't considered those just because the timeline for you guys to actually sell them is when it happens. But we can, obviously, 100% circle around and do something with it.\n\nAnd I do have a couple of ideas on what we can do. It'll just depend on when you guys actually wanna trigger those sales as to what's gonna happen on that front. Now at the crux of it, and if you're going through with me, the first 12 pages are just basically me replicating information you already know. So it's page 13 of the document, of that statement of advice document. And what I wanna do is basically this financial year, pretty much the as soon as we can is transition you into what's called a TTR or a present retirement strategy, Helen.\n\nHelen. And what I wanna do is I just wanna get some a little bit of tax effectiveness happening where we take your income from your employer, pop it into your super fund, and and draw down from your superannuation fund as a secondary income. So essentially speaking, what that's gonna mean is you're gonna have two income sources coming in being paid to you rather than just the one from your employer. Essentially speaking, at a high level because I don't I don't wanna read verbatim all of the words to you. It it it's in a document and everything.\n\nBut what that means is that essentially, you're going to salary sacrifice $841.54 per fortnight. So that's gonna come out of your gross income, which equates to $21,880 across the So that's gonna drop your gross income down, which means that your taxable income is only gonna be about $66, which means you're gonna pay about $7,000 less in income tax. And then we replace that lost income with a pension drawdown for $594.66. And you end up taking home actually a little bit more than what you are currently from that income source. So I increase your income by sort of about $600 across the year.\n\nWe're not talking lots, but a little bit right now. Now this is all in stage one. So all of all of these this point is all what is what's happening or what I'm recommending that we do from basically now until the end of this financial year. Okay? Now essentially, what this is gonna do is this saves on tax.\n\nSo we end up saving I should know the number. I've only looked at it 15,000 times. $3,720 roughly in in tax across the your taxable income and your superannuation tax. Because when the money goes into your superannuation fund, it does get taxed, but it gets taxed at that lower superannuation rate of 15% rather than your current rate of income tax, which you're sitting on the 37 rate. So it's just giving you that little bit of a a tax buffer, putting more into your super fund, and you're drawing out less because we're fading on that tax on that side of things.\n\nDoes that make sense? Perfect. So I wanna do that. Then for Paul, what I wanna do is I wanna set up an account based pension. So we get a little bit income coming to you guys at the moment for the next nine months just to be able to keep up with the expenses that we have.\n\nSo it basically, we take the entirety of your balance that you currently have, and we push that over from an accumulation phase into an account based pension phase. Now this financial year, I also recommend that now that we've ceased employment with your ex employer that we look at selling the company shares. Because your income this financial year has essentially been 42 and chain, you're in a really low tax bracket. So we can sell those sell those shares because I know they're about $30 worth and obviously that fluctuates. But there's there's about $30 worth.\n\nThe capital gains, because you've been accumulating them slowly over your employment term, will all be calculated, like, differently across the term of the ownership. But I recommend we sell them now. That way, they're liquidated and you're done with the company, so to speak. And it means that we're not gonna be holding them for a longer period of time than what we need to. The tax laws change moving forward soon, and I just think it's better if we get offload those now and just reconsolidate things a little bit tidier than to keep holding on to them.\n\nNow what I wanna do is I wanna pull what is essentially it's $2,765.40 from the pension account per fortnight over the next sort of nineteen fortnights remaining in the financial year. Okay? So what that's gonna do is just give you guys that little bit more comfortable income stream while we have the mortgages going on and every closure. Now that is basically the income side of things covered. And then what I wanna do is just do a little bit of a change to our super funds.\n\nNow because, Paul, we're moving you into a account based pension, you are capital gains free. So doesn't matter what we do in that account based pension, you're completely capital gains free. I can sell every single asset and liquidate all of it and buy again, and you paid sorry. Hiccups. You paid nothing in tax.\n\nHelen, because you are still in an accumulation and working, had to be very selective as to what assets I sold down and how I distributed the funds because otherwise, the capital gains tax could be sort of the most capital gains you would have paid was about $5. And considering we're so close to retirement, it made no sense for us to liquidate a a tax implication to that degree now. So I picked I was very, very choosy about how I redistributed things. And my ultimate goal with both of you was to get rid of anything that was a little bit under like, on any underlying funds that just weren't pulling their weight performance wise and also to drop the overall cost of the operation of the fund. So a couple of the assets that you were you were invested in previously were just a little bit costly.\n\nThey were doing well. Don't get me wrong. Like, it's not like they weren't pulling their weight performance wise, but they they were, like, 1% in an investment cost where I can could redistribute that and cut that into cents. So that's what I had an aim of doing was to basically redistribute the cost, just decrease it down, and I've been able to do that. So whole I did a full overhaul of your investment portfolio, dropping the investment fee from $36.35 across the year down to $15.14.\n\nSo massive like, it's it's $2,100 in savings across the account across the year in that investment fee positioning, which the investment fees are all built into the actual operational cost of the account. So it's not something you always see, but they do they do exist, and I always wanna make sure that I can account for that. It's not something you don't necessarily always see when you're looking at a at a report on the account, but it's something that I take into consideration and I look at because some of the investment can be costly from an underlying cost base, and I wanna make sure I consider that in the overall operations of it. So I considered how that all looks across the account and was able to, yeah, literally cut it in more than half, which was actually amazing. Now, Helen, I was able to drop yours from 1622.\n\nOh, computer's loading. That's fine. Down to it's 900 and change. So it ends up being a $681 savings across the account, which is fantastic. And we were able to save some stuff.\n\nNow performance wise, Paul, your your your performance across historical performance data increases by that 2% year on year. Helen, yours is actually pretty much in line with each other. Like, I it's because I haven't changed too much of the assets around. It's just I had more of a focus to Helen on actually looking at the the the investment cost than the performance because the performance was really working well within your your investment. It was just a matter of that performance cost was a little bit higher than what I would not necessarily like, I guess.\n\nNow is everything making sense, or am I running a million miles an hour because I'm somehow living on two hours sleep? Now Yes. Absolutely. Yes. No.\n\nThat's just within the that's just within the the the the superannuation account. Yeah. I'll I'll get I'll get to the investment copy. Don't you worry. It's coming.\n\nNo. Don't apologize. Not at all. Fire questions away. I'm always happy to answer questions.\n\nAbsolutely. Now I'm on sort of page 33 ish because I've I've read this document that many times. I'm kind of back to front and upside down with it. What happens when you write it? Now on page 33, there's, like, a buy sell spread.\n\nSo it shows what assets I'm getting rid of, what assets I'm rebalancing. So for example with polls you're a little bit underweight in gold so I'm buying a little bit of gold. I'm buying a little bit more in one of the cool composite bonds that you have. I'm so I'm dumping or I'm I'm getting rid of the Bennelong asset. It's an Australian investment asset.\n\nIts performance has been pretty air. It's doing okay. It's just been air and it's 1% investment fee. BHYB, which is the banking hybrid, banking hybrids are being phased out within the next it's 2022. I'm sorry.\n\n2032 that they're being phased out. So rather than wait for the asset to be phased out, I'd rather get rid of it now while it's performing well and while the asset is actually sitting in a good price point rather than waiting for it to be phased out and you get to whatever the replacement ends up being. Legislatively, they're being phased out not just with the investment manager, it's across the board banking hybrid. So I made the choice to get rid of that. I'm swapping the tech and lithium asset for a cyber security, so moving more a little bit into the AI sector than the system and then just diversifying a little bit out into some, like, Europe, Japan, stuff like that.\n\nSo nothing crazy per se going on. Just literally just a little bit of a redistribution of assets across the board. Helen, for some ungodly reason, my computer is loading slowly. But, Helen, I've done what I've done is you have a ClearBridge infrastructure income fund. Paul has it too.\n\nI've dumped it completely from Paul Paul's. But that's pretty much the only thing I'm actually getting rid of under yours is I'm getting rid of the infrastructure income fund, and I'm swapping it for a much cheaper hedge ETF, which is a it's a global infrastructure fund. It's just it's it's that's where the majority of the the cost is coming from with your account. The BHYB, I haven't gotten rid of out of your account yet because it's performed well. If I dump it from your account now while we're not in pension phase, capital gains starts hitting us.\n\nAnd it's it's not huge if I just dump that, but I'd rather just hold off. It's performing well. It's just I would like to make a move and a pivot on it eventually, and that'll sort of come in a few months' time. And by a few months, I mean, probably closer to 12. So rather than overcomplicate things by saying let's do this now and then this in twelve months, I just figured I'd stage one, and I have left myself a nice note as to where I wanna head next year anyway.\n\nAnd I figured I'd hold off and depending on how the market goes, we might I might change that anyway. I looked at too many things to be able to wrap my head around, but it's okay. So that's where the assets fit from that perspective. So not a huge amount of changes. Just for you, it's literally just a a straight one for one swap.\n\nI'm not rebalancing anything in your account because, again, triggers capital gains, so I don't wanna push that rebalance. It's not too far off kilter in terms of asset holdings. You're a little bit high in gold, but that's not like, like, I'm I'm okay with that at the moment. It's not anything too bad. And we're only gonna ride that for for nine months, basically, because what I wanna do is we're gonna connect later late June at the latest to basically touch base, make sure that you're all happy to pack up and go from there.\n\nNow does all of that make sense? Like, that's that side of things is pretty straightforward in terms of where we're sitting. Because it's it's literally Paul's already retired. We're gonna sell the company shares, set up a set up an account for him and get some money paying to you guys. And then for you, it's gonna be a set up set up a partial pension account.\n\nAnd then you're gonna have two income streams. One from your employer, one from the pension account. I will draft up the letter for the salary sacrifice so that way you can just hand that straight to to work and do it all. That way you don't have to think about numbers and read through a 85 page document to find it again. Look, I tried to keep it small.\n\nYep. Long term. Yes. No. And I did I did I did consider it.\n\nI haven't included it in the document here, but I did consider it. And realistically, because your which I was asked to touch on anyway, so we'll just we'll kinda circle down to it anyway. Because your share of the property is so low, because you only have 10% whereas Paul has 90, It it actually works out nicely if you do continue working next year. Because realistically so stage two of the document is the twenty twenty seven, twenty twenty eight financial year, which is essentially in July, first and foremost, hey, Helen. You're done with work.\n\nRetire. Yeah. And with that, you can take your long service leave. So you could you basically hang up the hat in in, say, June, what whatever week would work for you, and start taking your long service leave. It depends on your company, and this is the part that I got stuck on a little bit.\n\nIt depends on your company and how willing they are to do things because there's two ways to take long service leave. You can either get paid out a lump sum, which if it's a lump sum, we're definitely gonna make sure that it's paid in the 2728 financial year. If it's a if if they can pay an income stream, then it's it it's fine because it'll just be, you know, weekly fortnightly payments, and it's not gonna like, it still ends up being the same amount of money. But if you quit work in the June and they try and pay your long service later's lump sum, it's just gonna mess up the tax year for this current financial tax year. Yep.\n\nCorrect. Yep. And not go back to work and and and be done. And the long service leave the the fun part about it is if they pay it in in installments, you actually accrue annual leave as well. So it means that after two and a half months worth of long service leave, you'll then have an allotment of annual leave on the back of that, which, you know, 2.5 is basically gonna be sort of a week's worth of annual leave.\n\nYes. Two weeks? No. It'll be half a week. Half a week?\n\nHalf a week. Half a week worth of annual leave that'll be accrued during that period that you can then get paid out as well. So it's back and forth super funny, but that sort of that side of thing. Correct. Yeah.\n\nTwenty 07/28. Yes. Yes. So it'll be the June 30, the July 1, whichever whichever works out. Yep.\n\nYep. Yep. That's correct. Paul's got it right. So, basically, you at the like, however how many weeks you need to give them notice, you would say at the you know, it might be May.\n\nYou might turn around and say, hey. I'm gonna take my long service leave. I'm gonna start my long service leave on the 20 June 8. And I'm gonna start my long service leave on the July 5, whatever whichever date you wanna sort of call it because that unfortunately, the the this financial year finishes in on a midweek. But you would then start your long service leave and just continue through your long service leave.\n\nI'm assuming you probably have a four week notice period to tell them you're quitting. Yep. So halfway through your long service leave, you'll just turn around and say, hey. By the way, I resign. Thanks.\n\nThat's okay. Look. I could pretty much draft up your your your letters of retirement if you want and put the dates on them that you have to send them. That's okay. So you retire and you run your long service leave.\n\nNow because they're gonna meet again at the, like, June like, mid June this year before you go on your long service leave, we can kinda touch base as to how your employer is gonna pay you out because you may turn around and give notice or your intending intended long service leave, and your employer may say, hey. Be honest. Are you retiring? And you you may, depending on how you're feeling, actually turn around and say, yes. I am retiring.\n\nAnd they may then make the decision to lump sum pay it. It's not an issue if they lump sum pay it so long as we get make sure that they pay it next financial year, so 2728 after the July 1, then it's all kosher. It's just dependent on how it all falls, how honest you wanna be with them. I have, like, four clients that are retiring within the next nine months on the government a month ago, and they're all sort of different. It's just it's employer based.\n\nNow the reason it's important is because of, obviously, the intention to sell the investment property. Now I went off a basis of 1.45. I know you guys have previously told me it's about 1.4 worth of the house, but I'm I had a look in the area and I had a look at property growth rates, then I increased it a little bit. I think my calculations ended up being, like, 1.452 something rather. So I rounded it because I hate dealing with non round numbers.\n\nIt makes things messy. So I went off a value of one four five. I looked at realtor costs down in I use in the in Sydney as a base. I know that Glenfield's not quite in, but I went with the highest possible realtor cost as a percentage. I added on marketing cost and a conveyancer.\n\nThat's really all the cost that you're gonna incur when it comes to the property sale until you obviously get to settlement and depending on how much of the rates you paid and how much of the blah blah blah and everything else that's due or overpaid or whatever the case may be. That'll get settled at settlement, and that's not something I can calculate unless I knew the exact date you were gonna settle. And that's conveyance's job, not mine. That's why you pay them. So what I got was we sell the house for $14.05.\n\nObviously, if this figure changes, it does change things a little bit, but irrespective, we deal with sort of the bulk of it. It's $14.05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012. 90% of the property is owned by Paul, 10% owned by Helen. The sale price of $14.05 will result in a 145,000 of that sale being allocated to Helen and that remainder 1.305 being allocated to Paul. The sales cost gets split across as well, so 5 to Helen, 45 to Paul.\n\nThe purchase price is split. So of that $409,649.60 is Helen's, $3,686.40 is Paul, which means that after everything's said and done, the capital gain allocation ends up being $495.20 to Helen and $4,456.80 to Paul, which means that at the combination of it all, Helen's paying $5 well, just $58.41 of tax because the capital gain is what you add to your your income. Obviously, neither of you have an income for that financial year, so then it carries over. So, Helen, if you do end up getting a lump sum payout, you know, with your long service leave, any of that, that's why I'm not fast. Because you have such a small holding of the property, you earning a little bit more income from, you know, three months worth of well, two and a half, but, you know, three months worth of long service leave isn't going to push us into a silly area at all.\n\nYou're not gonna be jumping brackets is the main part, which is good. So we stay in the same brackets we're currently in. Paul, you're obviously, you know, little little bit higher, just a smidge. Nothing crazy. Yeah.\n\nThis is this is it. Higher. It's just, like, $1.90 $1,799.47 in tax payable. So it means that our capital gain is something about a 185,000. Absolutely.\n\nNow the really there are a couple of things that we can do when we get that far to actually sell the house, and what I will do is a limited scope of advice piece at that time. But pending what we actually sell the house for and where things sit is we could do some lump sum contributions into the super fund. And because Paul's not working, we could basically pop 32,009 $32,500 into his super fund and claim it as a tax concession against that capital gain. But that will be a next year piece of advice that I will actually loop the the your accountant in on when we sell the property. And it'll be after the property is sold, and we know what all of the actual figures are, and we can do it anytime during that financial year.\n\nI'm not too stressed because we'll have the entire financial year to deal with it. So long as you don't go and sell it, you know, in the the May 2028, that would really suck, but that's okay if you do. So just mean we're we're taking our tails. Now ultimately speaking, I do want you guys to try and sell the house earlier than later. However, looking at your tax return, the house is pretty neutral anyway.\n\nSo it even if you do keep the property for an extended period of time, it's not going to affect us tax wise too much because the property is pretty well neutral in terms of you know, it's not positive or negative. It's a little bit negatively geared. At least it was in that tax year whether that changed a little bit because we've paid down mortgage and stuff like that. It was in that tax year. Now Me too.\n\nNow where the cash all sits. So house gets sold, realtor cost, capital gains tax, we pay the Glenfield mortgage because it it has to get paid. It'll get paid during the settlement. That should leave us with roughly pending sales cost and everything else about $755,221. Super cute.\n\nNow what I propose that we actually do is we utilize that 700 and let's call it three quarters of an hour, and we add what's called a downsizer contribution into both of your super funds. So it's a $100,000 that can be popped into both of your super funds after the sale of the property. So that's $200,000 gone out of that. We utilize a 100,000 more of that money to buy the caravan that we wanna buy. I went on the upper side.\n\nI know you know you told me between 80 to a 100, but I figured I'd go on the upper side of that. And we still have plenty of room to move with that, by the way, but a 100. And then we use 3.5 of it to pay off our current resident mortgage. That would leave us with by the time we allocate the 200 to the super funds, 100 to the caravan, and the 3.5 to the mortgage, it leaves us with a 100,000 left over from the sale and the 270 we have sitting in the offset. So we have $370,000 to do things with.\n\nThat's where the fund comes in. So the the tables that I have here just kind of, like, dot point and kind of just show where the money's going to sort of explain it all. Why are you blank? You're not blank. You're just pretending to be blank.\n\nCool. I'm gonna keep talking. I know what the document says, but I'm gonna assume that I'm saying it in the right order. So what I wanna do after we essentially sell the property and pay the capital gains and deal with everything is just finalize your financial position. So that is a matter of looking at where where we get our cash flow from and what we do with everything moving forward because you guys will have no mortgages overhead and everything will need to get basically refreshed.\n\nSo what I wanna do is I wanna refresh our pensions and get everything up and running. So, Helen, yours will be I believe it is Helen's note. But anyway, what I wanna do is is basically take Helen's account and merge them into one and create just a full straight up pension account. It'll be it's what's called an allocated pension, so you will be in the same position Paul's in. Hold for you, what actually happens on the sale of the house is we open up a brand new accumulation fund to put that $100,000 downsize of contribution in, and then we reamalgamate the money back into one account.\n\nSo it'll all happen from a back end point of view. The only thing you're gonna see is I'm gonna be sending you applications left, right, and center, and I'm just gonna go say sign this. It's for this part of the advice. Because all of these stages, they're all gonna need applications at the time that we triggered the the, like, the the stage. Not it's not like I can send everything to you now bulk and get you guys to sign off on it all over the next nine months.\n\nOf course not. That would be too easy. You do. I know you do. Yes.\n\nNope. Trust me. I know all about it because we both talked about it, and I told you you paid premium. I I didn't include this I didn't include the the payment from The UK to here. A, there there's there's a couple of different layers.\n\nA, whether you intend on keeping the money in The UK so that way when you, like, go and visit family, it's available to you there rather than paying the transfer cost. And b, it doesn't work the same as the pensions here in Australia. So the amount that you get paid from it changes. So what I've allocated that money to because, basically, I've estimated based on where it currently fits and what it's doing at the moment because I told you to do the top up additional payments. It's not acceptable until you're 67, a, but, b, it's gonna be about $350 a week, which is about $18 a year.\n\nAnd what that's gonna do with that, that's just gonna, at 67, give you a little bit more of a of a boost to your income and allow you to go on a little bit more extravagant holidays and stuff like that. So it's you cash flow wise, you guys are so fine. Like, honestly, so fine. By the time you hit 67, you'll basically be on about a $100 a year because of the The UK pension. It is in the document.\n\nI've included a statement there. It's on page 70, which well, I'm nowhere near yet. But, anyway, I'll go back up. Oh, that big. Dang.\n\nNo. You're so fine. You're so fine. So well, bye bye. Cool.\n\nThere. So we're selling the property. Because we sell the property, we're freeing up about $60 a year because we're no longer having to deal with the property cost, and we are going to pop some money into the super funds, pay off all the mortgages, and be debt free and happy. We have about $370 left over at the end of it all from the property sale offset, everything like that. And then what we need to do is we need to commence an account based pension for Helen.\n\nSo what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax free. So what's gonna happen is we're no longer gonna need need to deal with with any of the the pesky tax stuff. But we look. We still do. Don't worry about it.\n\nBut it's not gonna be the headache that it currently is for you both, having to deal with the investment property, having to deal with, you know, getting valuations and all the rest of the rigmarole. It's gonna be pretty down the line. Now you're pulling a little bit over the minimum for your account. So because you are under 65 by the time we start this, your account minimum is 4%, which based on the account balance you'll have at that time would be about $22,500. We're pulling a little bit over that.\n\nWe're setting a specific amount because it's what you guys need cash flow wise, not anything else. Now what I've done is I've done a bit of a table to show where like, how the money kind of will trickle feed through, page 48. So how your account balance migrates moves and eventually by the time we're sort of sixty two sixty three, that account is actually gonna sort of be exhausted. Sorry. 62 sorry.\n\n9092939293. Sorry. Sorry. Get my numbers right. That account will be exhausted.\n\nYou have a slightly lower starting balance than what Paul does, but it's okay. Paul Paul is gonna fold this through for us. That's right. And we have a a cute another little savings account on the side anyway. So it gives longevity.\n\nWe have plenty of income coming in to support you in terms of of income, and that's only half of our income need. If we scroll down past all the risks, warnings, advantages, and disadvantages, we come to polls where, basically, for poll, do the same thing where we merge all the accounts through a refresh because we'll have those two accounts open. We merge both the accounts back together again and restart the account. Oh, that's cute. The opening balance on the account at that time will be $9.89 because we will have over the last nine months drawn down a little bit of money and then popped a $100,000 into the account from that property sale.\n\nThe account balance will be sitting up at $9.89, and then the intention is to draw $37,500 from that account as well. That gives us the $75,000 that from the budget that you guys sent is what you guys need. So, obviously, less than mortgage pay repayments. Your budget is 75,000. It was short of 75,000, but I gave us a little bit of a buffer.\n\nIf you guys want more, we can definitely accommodate more. It's not gonna be an issue. And, obviously, once you guys do settle into retirement life, you may realize that the budget might not fit, might need a little bit of adjustment, and we can adjust and pivot where needed. We have plenty of room to do so. So for Paul's, as you can see, the account's still going at 98.\n\nWe're pretty good. That's that's in a stress. Now because we are we're gonna have $370,000 at the end of the sale of the property and the distribution of funds to pay the mortgages and all the other bits and pieces and everything. What I wanna do is I actually wanna pop that money into a investment account for you both. It'll be in joint names.\n\nIt'll be connected to your hub twenty four super fund, but it is an investment account. Now while there is consideration for the fact that an investment account can incur tax when we sell it. The majority of your income stream is gonna come from your superannuation funds. And if we ever do sell down on the investment there, a, it's in joint names, and b, I wouldn't anticipate that you guys are gonna need to sell down on an exuberant amount of money. So the tax implications are gonna be minimal to not there.\n\nBecause unless you guys are anticipating, you know, turning around and being like, we need a $100,000 and we wanna take it from there. If that's the case, you've earned $50,000. $50,000 tax is basically equivalent to about $5 worth of tax, call it, just to keep around. So we're not gonna be paying an exuberant amount of tax if we do have to liquidate that that asset, and it just adds a little bit of spice to it all. The other consideration was that we could pop majority of it into Helen's Superfund under non concessional.\n\nBut what I do wanna do moving forward is in sort of twelve months, two years, after everything settles for you guys and we sell the property and we have everything done and everything's kosher, is I do and it's not included in this advice document, I'll be clear, because I didn't wanna overload you, but I'm talking about it anyway, is do what's called a a recontribution strategy where where which is where we basically take money out of the account, pop it into an IDPS for a day, and then pop it back into the super fund. And what that does is it converts the funds into a tax free benefit. Now the benefit of that is is whilst I know that you guys are beneficiaries for each other, if anything happens to the other one and then the money that you have in the Superfund for example, if something happens to Helen and she passes away, because Paul has the highest benefit there, the the benefit that would then be paid to the secondary beneficiary would be taxed on the taxable component, which is the most which which which is quite a high amount. So what I wanna do is I wanna start trying to get to the point where we can kind of get you guys into a little bit more of a tax effective position.\n\nSorry. A little bit more of a tax effective position inside the super fund. So I don't wanna go eating into the non concessional contribution amount inside your super funds with this 350,000 because I wanna try and get the amount that you have in your super fund to a tax free bit. But while we're doing all of the sell the property and everything like that, I just don't wanna overload it, and it's gonna be a we touch on next year once we know what the property sale and everything looks like. Because if the market goes for a boom down in Sydney all of a sudden look.\n\nNot anticipating it doing so. But who knows? If it does go through a boom or something happens, I just wanna have room to move and and wiggle, and we can we can add pieces of advice to this quite easily. Not easily, but we can we can add to this. It's a lot easier than taking away from it.\n\nThat's what it is down. So investments are pretty much really, really similar to what you guys already hold. It's a a bit of a a move through a lot of the assets that you guys already have in. I've doubled up on the last three, but anyway, it's the same assets as what you guys already hold across some of your your other assets. It's just that it's a little bit different fluidity or the different waiting, and that just gives us a nice cheap overview of the account.\n\nI have replicated Helen's risk profile, so a little bit more conservative than what Paul level has been than going to the increase because we don't wanna take risk with this money. We wanna be pretty chill with it and go from there. Obviously, if we kept it in cash, we'll be sitting at the cash rate. The banks never pay 4%, but for argument's sake, if you were to put it into a term deposit for 4%, you'd be making pretty muchly nothing. It could be sort of over five years, you'd you'd make not much versus if you if we pop it into the investment, we're looking at more like an eight percent investment return.\n\nI stress tested it as well, and I'm really happy with having this kind of structure to it. And, of course, later down the line, we can always drip feed that money into the super funds later, but I wanna try and focus more on trying to get a lot of the superannuation balance balance into that tax reposition over the next few years rather than push for trickle feeding that money in. Now Centrelink is totally off the table. Yeah. Yeah.\n\nYeah. It is. But I I I did the research, so I popped it in for you anyway just so you could have a look at where it sits and just give you a kind of a bit of a rundown. So based on all the strategies today, Centrelink's on the table. These are all the assets you kind of hold.\n\nObviously, if you upload some of the assets, we can look at what we do with it. So if we do end up selling, you know, boat two, motorcycle, and the other car, we could look at maybe popping that money into that investment account in the future and or it's holiday money. I know that you guys wanted to go to Italy. Italy? It was yeah.\n\nIt is Italy. Sorry. All of my clients are traveling at the moment. It's actually really difficult because I'm not. So I know.\n\nIt's sad. So I know you guys want to go to Italy. You'll kind of notice there's $20,000 from the house sale that's not accounted for. You currently have the liquid funds to be able to do it sitting in the offset, so it is achievable for you guys to do anyway. It's it's more of a permission piece, I guess, for me saying, yes.\n\nYou can go to Italy. It's not going to affect you. You can quite comfortably travel travel there. You can go and do the trip you wanna do, and it's not gonna be an issue. Look.\n\nLiquidating assets, the the motorcycle, boat, car would definitely fund the trip. House sale gives you a little bit more sitting there. It's it's not not gonna be an issue for you guys to do that travel. Now essentially speaking, joint wise, nonfinancial asset as it currently stands, we have 209. Property is excluded from that and on top of it after we obviously sell the investment property.\n\nBy the time we pay everything down, do all the strategies we wanna do, we'll have sort of $370,000 sitting in cash remaining. Obviously, we're investing 350 of that. And your contribution your superannuation funds after we do all the contributions, we'll be sitting at about 1.5 mil combined. What we're gonna do is obviously do those pension accounts for both of you, which means that combined, we have $2,884.60 being paid between the two accounts per fortnight into bank accounts, into your bank accounts, which gives you everything we need from there. And then from there, basically, I've just done a joint drawdown strategy to show you based on your ages, based on the total capital of the balance, in this calculation, which is done off a conservative interest.\n\nWhat the drawdowns would be, fees associated with the account across the years, how it operates, how it runs, and basically when we run out of money and or not, which is and or not because we don't. Sorry. Yeah. Not '98. Yeah.\n\nNinety eight's doing good. Doing real good. Now in this strategy sorry? Damn. Well done.\n\nWow. That is amazing, actually. I my my aunt, by not blood, you know, how you have those family members that are friends, but my aunt, her grandmother, 92 oh, sorry. 102. Yeah.\n\nHer hundredth birthday was amazing. Watching her neck half a bottle of wine was impressive, actually. Just goes to show. But you gotta yeah. You gotta drink your fruit.\n\nYes. So if Paul does do that, look, it doesn't change anything drastically. It'll be a matter of Paul giving me a call and saying, hey. I have decided to go back to work. In this document, in the in the all of the outcome wordings and stuff like that, I did address it a little bit.\n\nIf Paul decides to go to work, I can't account for that until I know that a, Paul is gonna go to work. When does Paul go to work? How much does Paul end up earning? Is he working, or did he go and volunteer for VINI's? Please volunteer for VINI's.\n\nNo. I'm kidding. Don't. Do whatever you want. That's okay.\n\nYeah. Do that. So It it's it's not an issue if you if you do end up doing it. You do need to give me a call, though, like, as soon as you know that you're gonna start work. Well, the biggest thing is is you're gonna need to call me because you don't have Superfund.\n\nYou have a pension account, and a pension account can't can't take money in. It can only pay money out. So I need you to call me to say, hello. I started a job, and I need someone to put the money. So we can do that.\n\nThat's fine. It's just when you get to it, we'll do it. And all we'll do is we'll just do little cute refreshes and stuff like that. Your income that's not me. Sounds like you should take your wife to Italy.\n\nYeah. No. Yeah. No. I know.\n\nI know. Yeah. Yeah. Absolutely. If you if you wanna if you wanna end up putting like, selling because what?\n\nThe car you're gonna sell is the $15, the second car, not the main car. So that's like a $10 car. The boat's about $8, and then the motorcycle's another 10. So what's that? $28.\n\nProbably not gonna be enough for you to actually buy a motor home unless we're buying a really small one. Yeah. But theoretically speaking, you could, if you're comfortable to do so with the fact that you're gonna have a little bit extra income, which realistically knowing what your budget looks like, you should be comfortable, you could take out of your offset. You just need to know and acknowledge the fact that you're gonna start incurring intro like, more interest on your home loan over the next nine months if you do that, but you could definitely expediate it. And the only reason I say that you could do it now is because I do know that, a, depending on the type of motor home or caravan or whatever that you're going for, prices of for those are increasing and have been quite aggressively.\n\nSo sooner rather than later could be a good idea in that in that realm. Me being able to calculate the difference between I could tell you how much like, how much your mortgage is gonna increase and what interest you're gonna incur over the next nine months if you do that, but I don't know how much the motor home's gonna increase over the next nine months. That is noncalculable. No. It's okay.\n\nBut, like, realistically, if you if you buy the caravan in between anywhere between now and when you sell the home, it's hunky dory. The the biggest part is is just probably starting to talk to the real estate towards the end of this year about the fact that, yes, we wanna sell the home, that we don't wanna put it on the market until, like, say, the end of June. You could put it on the market at the end of June next year. That's not an issue because there's no way you're going to sell it and settle in two weeks. And if and if someone comes to you and says, yeah.\n\nWe're gonna buy it, settle it cash in in a week, you go, cool. Settlement's on the July 2. And you you just push it to that. So yeah. So you you could 100% put it on the market early.\n\nBut I had a look at Glenfield Glendale? Glen Glenfield. And and I don't think you're gonna have too much of an issue selling. Yes. Yes.\n\nSo I don't think you're gonna have any issues selling. So you're pretty fine on that front. It's just it's a matter of, I guess, personal preference as to when you wanna trigger that. The earlier you sell it, the happier it is. That area is not expected to go through a boom at the moment, so and I'll keep an eye on it over the next nine months.\n\nAnd when we talk in June, if it has triggered a boom, then maybe we wait a little bit. But at this point, it's not looking to like, it's pretty stable there. So we're pretty good to hold. But, yeah, cash flow wise, we're good. Money lasts long time.\n\nThat drawdown strategy is only looking at the super funds. So if we want extra money, don't forget that that there's a $350,000 sitting in the investment account. So we can also trickle trickle that through. The future considerations are those cash out recontribution strategies, maybe adding a little bit more to the investment account depending on what we end up selling those the bikes and stuff for. I know we're keeping the collectible bike.\n\nI know we're keeping the other car. Like, I know that the the big boat, the big car, the big bike, web keeping. But if that changes and you guys wanna sell and liquidate them later, we can do so, and it's just a matter of what do we do with the money at that time. And I already sort of have dot pointed a few strategies as to what we do, where we either invest it, we can put in away, anything like that. I think the biggest consideration for the future advice where we do the recontribution strategies, and it'll be stepped out a little bit slowly and we'll just concentrate on that as an area, is it's for our state planning side of things.\n\nNow the good thing is is that we're we're very much liquidating things a lot. Realistically speaking, I've kept to your budget that you've set, and I am so happy once we get to end of end of this financial year. If you guys do sit down and go, you know, what we wanna be a little bit more what's the opposite word to frugal? Frivolous. Thank you.\n\nWe do wanna be a little bit more frivolous, then we can be so. Then we we can increase the amount that we draw down on our super funds. We can say stuff it to the kids. We're not leaving any money behind. You have the house and spend our money.\n\nSo sorry. The biggest thing is is there's plenty there's plenty of an of an estate to leave behind for the kids. It's it's it's really not an issue between the fact that we've the PPR, like, the the primary residence house that can get liquidated and split or they can, you know, turn into an investment property and split the the dividends, other income. It's a fully paid off property, whether, you know, us doing those recontribution strategies now or so niche rather than later means that we're putting the money into a tax reposition. So it gives them more money for anything that is left over.\n\nAll of those considerations are for them. But realistically speaking, if you guys wanna increase from 75,000 to $80.85, even 90, we're still really comfortable. If you guys turn around and go, no. We're actually gonna hit some really big, like, Europe hit holidays, and we're gonna you know, our budget for our holiday is not, like a 10 holiday a year. It's now a $30 holiday a year.\n\nIf we're gonna go and do a really big one, then we can accommodate that. We can also just do it as an ad hoc. So if you just turn around and say, hey. This year, we're going to blah. We wanna pull the money.\n\nI could just pull it right across the two accounts. Okay. So all in all, I guess, highlight are and my favorite page is probably page which page is it? Page 81. It hurts me when we start getting into the high numbers, but it's a how to implement the advice step by step.\n\nSo it has each of the the time frames, the dates, the bits and pieces. It steps it out so that way it's easy to flow. And at any point when, you know, me or my team gives you a call to say, hey. I need this form signed because we're doing blah. I can be like, it's point seven of the stage one or it's paid.\n\nIt's point two of stage two. So stage one is obviously from now until end of financial year. Stage two triggers the June, July of stay of 2027. So selling the property, we don't sell until July, but we can obviously put it on the market a little bit early. Downside the contributions and everything else triggers on the back of the property.\n\nIt's it's just when you guys want to or when you guys start triggering things, I need you guys to just communicate with me, email me. So let me know. The biggest thing that I'm going to ask is if you can cc info in, so info at financial, just because my emails get hammered daily. And if I spend a day not looking at my emails, which happens more and more these days, I get back to my emails, have 700 of them, and then I, you know, they get they get they get buried quickly. Whereas if you if you email info as well, I have all all of the admin have access to that, and they pop your name into my calendar, which means that I'm there.\n\nThe other thing you can do is just if you ever like, if you ever want to meet with me, just send me through a calendar invite because it pops up into my calendar, and I'll just I'll give you a call. And and that works nicely too. No. That's okay. Kaden Kaden messaged me.\n\nHe's like, you realize that Helen's emailed you? I was like, no. She hasn't. He's like, yes. She has.\n\nI was like, oh, no. No. No, Helen. Yeah. I was gonna say, if you so the second the second document so there's 82 85 pages?\n\nEighty four pages? Eighty five? Eighty five. Too many. Ages in that document.\n\nIf in the second document, which is the appendix, that's attached, if you scroll down a little bit more, that has some of, like, the calculations for the alternatives that I considered, which is sort of, like, your position now versus if you drop down to part time, if we sold your PPR instead of your investment property and you then bought another smaller house. Realistically, housing prices in your area that you live in are unstable. Like, it it it burned. And for you guys to downsize was a little bit hard for me to look at. I looked at a bunch of different properties.\n\nI looked at estimates. I talked to one of my property guys trying to figure out where we could go, what we could do. And at this point, I literally turned around to Caden and was talking and my power planner was talking about your your file and going, at this point, I think Helen, Paul, and I should just go house hunting together. I'm like, it looks like it's gonna work out better than me sitting on the Internet trying to figure it out. So yeah.\n\nSo look. If you guys do ever wanna It's a when you guys are wanting to do it. Yeah. The the biggest the biggest comfort the biggest comfort point for your PPR is that it's it's capital gains free. We're not gonna pay any capital gains tax.\n\nIt's just the sales and then the repurchase of another property that's the painful part because, obviously, new property stamped due and stuff like that. The sale obviously has a lot less cost associated with it. You've got your real estate fee and conveyancer. But on the, obviously, purchase side, you've got all the transfer taxes and the searches and the conveyancer costs and and and and and and. But you'll be doing a cash sale, so it's not too too bad.\n\nIt's just depending on what you can sell for and buy for. I know that your PPR is in around that same sort of 1.45, 1.5 mark. I think I actually had a look at it. I think it's sort of sitting somewhere around the 1.63 at the moment, to be honest, but when we spoke, you had quoted to me about 1.45, 1.5. So your PPR is increasing value a bit, but, again, the valuation I get versus what you actually get for it on market, totally different.\n\nCan only go so far. So that appendix, I think is about 22 pages worth. It's just the alterations of the alternatives that I considered when I was going through the plan, and it's also like, the links to each of the investments that I've recommended on and each of the accounts and then some general tidbits and information. Now I am 1000% not expecting you guys to sign this straight off the bat because there is a lot in it. You know, just a casual 107 pages combined.\n\nThere's a lot of there's there's a lot of bits and pieces to it. There's a lot of moving parts. Now if you do decide to go ahead with all of it or with some of it, you'll notice in the sign in on the sign page of the SOA, there is a authority to proceed. There's a text box there that enables you to type in words. So you can type in, we don't wanna go ahead with this.\n\nWe wanna hold off on this, whatever the case may be. Obviously, it did the trigger points. I'm gonna talk to you anyway because this document carries us over more than twelve months. I'm gonna talk to you anyway throughout each point to be like, hey. You know, you guys are like, I'm selling the house.\n\nWe're like, cool. So the sale of the house triggers this, this, this, and this. We're still comfortable to go ahead with each of these. And because there's gonna be application documents for everything we need to go through, we're gonna be able to do that. Now if you're happy to trigger stage one, and it's it's it's upon your it's upon your time frame, really.\n\nIf you're happy to trigger stage one, realistically, the the thing that I need is bank details from you both, which I'm happy for you to email me after you've had a chance to sit down, talk, and Glenn and I have been talking here for an hour and a quarter. Sit down, talk, and then you can email me with the bank details, and I can pre fill out those forms for the pension accounts so we can get the full allocated pension to Paul and then that partial transition to retirement strategy set up for Helen. And I can do up the sales tax letter and so on and so forth. So the company shares it's just this financial year, really, it it you you have time. It's this financial year.\n\nIf you have any questions when it comes down to it or you, you know, you you wanna sort of talk about it or or, you know, you get a statement from them, because I know you've accumulated them over a long time. You can let me know. But sitting down there with the account and having a having a talk to them, I looked at the highest possible tax capital gains that you could pay, which would basically be as if you had not like, it's $30 worth of cap like, $30 worth of capital gains added to your income. It pushes you into $70 worth of income. It's not it's not a lot.\n\nLike, I'm it's really not a lot. And the disposing of them now rather than holding them is just it just liquidate things and get you in a better position. It gives you $30 worth of a a cash buffer. That's $30 closer to buying a caravan. That's fine.\n\nIf you have any questions or you you wanna know anything, just send through an email, and I'll I'll we can organize another call or I can respond in in text either either way, depending on how complex it is, and go from there. Okay? That's okay. No. Who who needs sleep?\n\nSleep for the dead. We're okay. I've no. I really do. And I hope your son has unfired me, by the way.\n\nI think so too. That's okay, my darlings. You guys have a lovely rest of the day, and shout out if you need anything. Okay. Oh, yeah.\n\nI've got a full agenda today, but that's alright. We love it. Bye, guys. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.1091776043176651},{"text":"Paul, Larissa with you.","start":3.12,"end":4.4,"sentiment":"neutral","sentiment_score":0.15159348584711552},{"text":"How are you going?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.20815377682447433},{"text":"I mean, be anyone you want me to be, really.","start":12.32,"end":15.235,"sentiment":"neutral","sentiment_score":-0.06117423437535763},{"text":"Perfect.","start":21.535,"end":22.035,"sentiment":"positive","sentiment_score":0.5098335146903992}],"sentiment":"neutral","sentiment_score":0.07231289129704237,"num_words":20,"start":2.56,"end":22.035},{"sentences":[{"text":"Hi, Helen.","start":22.095,"end":22.735,"sentiment":"neutral","sentiment_score":0.27316202968358994},{"text":"How are you going?","start":22.735,"end":23.634998,"sentiment":"neutral","sentiment_score":0.2186090610921383},{"text":"Yeah.","start":27.0,"end":27.24,"sentiment":"neutral","sentiment_score":0.1585257351398468},{"text":"Not bad.","start":27.24,"end":27.960001,"sentiment":"neutral","sentiment_score":0.21281717717647552},{"text":"How how is Canberra going?","start":27.960001,"end":29.64,"sentiment":"neutral","sentiment_score":0.152461501955986}],"sentiment":"neutral","sentiment_score":0.19765913592917578,"num_words":14,"start":22.095,"end":29.64},{"sentences":[{"text":"Nice and cold?","start":29.64,"end":30.54,"sentiment":"neutral","sentiment_score":0.15833430488904318},{"text":"One one one degree.","start":40.36,"end":41.98,"sentiment":"neutral","sentiment_score":0.0313550578430295},{"text":"Just one.","start":43.704998,"end":44.445,"sentiment":"neutral","sentiment_score":-0.012633733451366425},{"text":"Okay.","start":47.225,"end":47.725,"sentiment":"neutral","sentiment_score":0.036963313817977905},{"text":"Yeah.","start":47.945,"end":48.445,"sentiment":"neutral","sentiment_score":0.04205722361803055}],"sentiment":"neutral","sentiment_score":0.05947056514295665,"num_words":11,"start":29.64,"end":48.445},{"sentences":[{"text":"That's that's fair.","start":48.905,"end":50.684998,"sentiment":"neutral","sentiment_score":0.06609077254931132},{"text":"That's that's a little bit nippy, guys.","start":50.985,"end":52.925,"sentiment":"neutral","sentiment_score":-0.30644908148263184},{"text":"I'm not gonna lie.","start":54.824997,"end":55.89,"sentiment":"neutral","sentiment_score":-0.22419556975364685},{"text":"That's yep.","start":61.809998,"end":61.89,"sentiment":"neutral","sentiment_score":-0.10414575412869453},{"text":"That's there.","start":61.89,"end":62.71,"sentiment":"neutral","sentiment_score":-0.03707536216825247}],"sentiment":"neutral","sentiment_score":-0.17367198690772057,"num_words":18,"start":48.905,"end":62.71},{"sentences":[{"text":"Yes.","start":64.369995,"end":64.869995,"sentiment":"neutral","sentiment_score":0.07462254911661148},{"text":"That is that's just the SOA that we're gonna go through.","start":69.745,"end":72.545,"sentiment":"neutral","sentiment_score":0.06664575399322943},{"text":"I figured I'd get it to you while we could so we could talk through it.","start":72.545,"end":76.065,"sentiment":"neutral","sentiment_score":0.08800591854378581},{"text":"You obviously don't have to sign it.","start":76.065,"end":77.424995,"sentiment":"neutral","sentiment_score":0.07637500443628856},{"text":"So you it's just a little bit easier to do it all in one.","start":77.424995,"end":80.885,"sentiment":"neutral","sentiment_score":0.11967030007924352}],"sentiment":"neutral","sentiment_score":0.090323056569513,"num_words":49,"start":64.369995,"end":80.885},{"sentences":[{"text":"Rather than me, like, talk numbers at you the whole time, figured it was a little bit easier to kind of so you could read and ask questions as we go through.","start":85.99,"end":93.61,"sentiment":"neutral","sentiment_score":0.09684336837381124},{"text":"Perfect.","start":97.034996,"end":97.275,"sentiment":"neutral","sentiment_score":0.2470487654209137},{"text":"Well, before I do jump into it, even though I've jumped the gun, I do need to let you know that our calls are recorded.","start":97.275,"end":103.534996,"sentiment":"neutral","sentiment_score":0.03875240497291088},{"text":"And if I could just get you to confirm security, just date of birth for both of you when someone say the address on file.","start":104.075,"end":111.134995,"sentiment":"neutral","sentiment_score":0.04925714939832687},{"text":"Perfect.","start":121.18,"end":121.68,"sentiment":"neutral","sentiment_score":0.19689109921455383}],"sentiment":"neutral","sentiment_score":0.06837102990331394,"num_words":84,"start":85.99,"end":121.68},{"sentences":[{"text":"Yep.","start":130.445,"end":130.945,"sentiment":"neutral","sentiment_score":0.025892257690429688},{"text":"No.","start":132.605,"end":132.845,"sentiment":"neutral","sentiment_score":-0.022475864738225937},{"text":"You're perfect.","start":132.845,"end":133.585,"sentiment":"positive","sentiment_score":0.44379496574401855},{"text":"I love I love that we forgot our our date of birth for a hot second.","start":135.885,"end":139.105,"sentiment":"positive","sentiment_score":0.582021052017808},{"text":"That's Okay.","start":142.845,"end":143.99,"sentiment":"neutral","sentiment_score":-0.007528731599450111}],"sentiment":"positive","sentiment_score":0.4631038951602849,"num_words":22,"start":130.445,"end":143.99},{"sentences":[{"text":"I get it.","start":144.93,"end":145.49,"sentiment":"neutral","sentiment_score":0.03408744061986605},{"text":"We're retired.","start":145.49,"end":146.13,"sentiment":"neutral","sentiment_score":-0.11425232514739037},{"text":"The brain shuts down.","start":146.13,"end":147.35,"sentiment":"negative","sentiment_score":-0.3656863421201706},{"text":"You know what?","start":161.985,"end":162.885,"sentiment":"neutral","sentiment_score":0.054639474799235664},{"text":"That's fine.","start":163.105,"end":164.005,"sentiment":"neutral","sentiment_score":0.33105215430259705}],"sentiment":"neutral","sentiment_score":-0.05449749742235456,"num_words":14,"start":144.93,"end":164.005},{"sentences":[{"text":"Live live that life.","start":164.465,"end":165.425,"sentiment":"positive","sentiment_score":0.543323241174221},{"text":"That sounds great.","start":165.425,"end":166.405,"sentiment":"positive","sentiment_score":0.767466684182485},{"text":"Because you get to do things on your own time.","start":167.105,"end":168.88,"sentiment":"positive","sentiment_score":0.47834674417972567},{"text":"Means you can say, oh, no.","start":168.88,"end":170.24,"sentiment":"neutral","sentiment_score":0.1518205770601829},{"text":"I'm a bit busy this week.","start":170.24,"end":171.7,"sentiment":"neutral","sentiment_score":-0.10099067042271297}],"sentiment":"neutral","sentiment_score":0.3297979275471178,"num_words":29,"start":164.465,"end":171.7},{"sentences":[{"text":"Anyway, let's jump into it.","start":174.95999,"end":176.4,"sentiment":"neutral","sentiment_score":0.07650807201862335},{"text":"So, basically, what I'm gonna do is I'm gonna give a high level overview of everything, and then we'll get down into the nitty gritty.","start":176.4,"end":183.685,"sentiment":"neutral","sentiment_score":0.11609901189804077},{"text":"But essentially speaking, from all the conversations we've had, basically, Paul wanted to retire and you have.","start":183.82501,"end":190.725,"sentiment":"neutral","sentiment_score":0.07806249006706126},{"text":"Helen, we spoke about looking to either drop down hours and wanting to retire pretty soon.","start":191.345,"end":198.89,"sentiment":"neutral","sentiment_score":0.01269463961943984},{"text":"What what I've looked at is all the options for you to drop down your hours, retire now, everything like that.","start":200.15,"end":205.845,"sentiment":"neutral","sentiment_score":0.08827999606728554}],"sentiment":"neutral","sentiment_score":0.07939371595247871,"num_words":84,"start":174.95999,"end":205.845},{"sentences":[{"text":"And realistically speaking, what I'm recommending from a high level is that we finish out this financial year and you retire at the end of this financial year.","start":206.005,"end":213.865,"sentiment":"neutral","sentiment_score":0.11342087760567665},{"text":"Okay?","start":215.285,"end":215.785,"sentiment":"neutral","sentiment_score":0.13212528824806213},{"text":"Now if you wanna work a little bit longer, if you do wanna drop down your hours after this financial year, it does change a few things, but high level overview, that's basically what I'm recommending as we do.","start":216.245,"end":225.65,"sentiment":"neutral","sentiment_score":0.14458361000586778},{"text":"So I only got nine months left and then you can pack that pack that away and finish working yourself.","start":226.34999,"end":234.12999,"sentiment":"neutral","sentiment_score":0.14793758504092694},{"text":"That makes sure that we have enough assets, enough income to be able to do everything we're wanting to do.","start":235.685,"end":240.745,"sentiment":"neutral","sentiment_score":0.29698859751224516}],"sentiment":"neutral","sentiment_score":0.16523328057869716,"num_words":108,"start":206.005,"end":240.745},{"sentences":[{"text":"It gives us the income we need to be able to survive based on the budget you've given me.","start":241.045,"end":245.92499,"sentiment":"positive","sentiment_score":0.3335594304821586},{"text":"I gave you a little bit of an extra buffer in terms of an income drawdown as well because realistically, things happen and sometimes we splurge, and you guys deserve to do so.","start":245.92499,"end":256.56,"sentiment":"neutral","sentiment_score":0.2590138451619582},{"text":"So the things I haven't taken into consideration is I know you guys said that you're willing to and you're obviously looking to sell the existing caravan, the noncollectible motorcycle, the second boat, and probably the second vehicle.","start":257.74,"end":273.69498,"sentiment":"neutral","sentiment_score":0.04205477002419924},{"text":"I haven't considered those just because the timeline for you guys to actually sell them is when it happens.","start":273.69498,"end":281.21,"sentiment":"neutral","sentiment_score":-0.11348575628117512},{"text":"But we can, obviously, 100% circle around and do something with it.","start":284.07,"end":287.99,"sentiment":"neutral","sentiment_score":0.2866155579686165}],"sentiment":"neutral","sentiment_score":0.14682912939426673,"num_words":121,"start":241.045,"end":287.99},{"sentences":[{"text":"And I do have a couple of ideas on what we can do.","start":287.99,"end":290.15,"sentiment":"positive","sentiment_score":0.3548293090783633},{"text":"It'll just depend on when you guys actually wanna trigger those sales as to what's gonna happen on that front.","start":290.15,"end":296.635,"sentiment":"neutral","sentiment_score":0.14724911320954562},{"text":"Now at the crux of it, and if you're going through with me, the first 12 pages are just basically me replicating information you already know.","start":297.095,"end":309.49,"sentiment":"neutral","sentiment_score":0.03676097324261299},{"text":"So it's page 13 of the document, of that statement of advice document.","start":310.51,"end":315.25,"sentiment":"neutral","sentiment_score":0.08942155081492204},{"text":"And what I wanna do is basically this financial year, pretty much the as soon as we can is transition you into what's called a TTR or a present retirement strategy, Helen.","start":315.87,"end":327.425,"sentiment":"neutral","sentiment_score":0.19798323581926525}],"sentiment":"neutral","sentiment_score":0.15395665666661584,"num_words":104,"start":287.99,"end":327.425},{"sentences":[{"text":"Helen.","start":327.885,"end":328.385,"sentiment":"neutral","sentiment_score":0.12380889058113098},{"text":"And what I wanna do is I just wanna get some a little bit of tax effectiveness happening where we take your income from your employer, pop it into your super fund, and and draw down from your superannuation fund as a secondary income.","start":329.485,"end":344.86,"sentiment":"neutral","sentiment_score":0.24283342689953066},{"text":"So essentially speaking, what that's gonna mean is you're gonna have two income sources coming in being paid to you rather than just the one from your employer.","start":344.86,"end":353.065,"sentiment":"neutral","sentiment_score":0.16364220795886858},{"text":"Essentially speaking, at a high level because I don't I don't wanna read verbatim all of the words to you.","start":354.965,"end":360.085,"sentiment":"neutral","sentiment_score":-0.08075642120093107},{"text":"It it it's in a document and everything.","start":360.085,"end":362.485,"sentiment":"neutral","sentiment_score":-0.02087720192503184}],"sentiment":"neutral","sentiment_score":0.13473579660980123,"num_words":101,"start":327.885,"end":362.485},{"sentences":[{"text":"But what that means is that essentially, you're going to salary sacrifice $841.54 per fortnight.","start":362.485,"end":371.88,"sentiment":"neutral","sentiment_score":-0.07693941618005434},{"text":"So that's gonna come out of your gross income, which equates to $21,880 across the So that's gonna drop your gross income down, which means that your taxable income is only gonna be about $66, which means you're gonna pay about $7,000 less in income tax.","start":372.1,"end":390.29498,"sentiment":"neutral","sentiment_score":-0.07822862397069516},{"text":"And then we replace that lost income with a pension drawdown for $594.66.","start":392.835,"end":402.72,"sentiment":"neutral","sentiment_score":0.13622425955075484},{"text":"And you end up taking home actually a little bit more than what you are currently from that income source.","start":404.94,"end":414.455,"sentiment":"neutral","sentiment_score":0.282736860960722},{"text":"So I increase your income by sort of about $600 across the year.","start":414.595,"end":418.35498,"sentiment":"neutral","sentiment_score":0.31309855442780715}],"sentiment":"neutral","sentiment_score":0.06302173696806497,"num_words":107,"start":362.485,"end":418.35498},{"sentences":[{"text":"We're not talking lots, but a little bit right now.","start":418.35498,"end":421.255,"sentiment":"neutral","sentiment_score":0.09442595019936562},{"text":"Now this is all in stage one.","start":422.95,"end":424.47,"sentiment":"neutral","sentiment_score":0.08632245074425425},{"text":"So all of all of these this point is all what is what's happening or what I'm recommending that we do from basically now until the end of this financial year.","start":424.47,"end":432.71,"sentiment":"neutral","sentiment_score":0.18448864957017283},{"text":"Okay?","start":432.71,"end":433.21,"sentiment":"neutral","sentiment_score":0.14683467149734497},{"text":"Now essentially, what this is gonna do is this saves on tax.","start":435.11002,"end":440.545,"sentiment":"neutral","sentiment_score":0.28289172053337097}],"sentiment":"neutral","sentiment_score":0.17720000183240311,"num_words":61,"start":418.35498,"end":440.545},{"sentences":[{"text":"So we end up saving I should know the number.","start":440.545,"end":444.545,"sentiment":"neutral","sentiment_score":0.32582599520683286},{"text":"I've only looked at it 15,000 times.","start":444.545,"end":446.80502,"sentiment":"neutral","sentiment_score":0.13852730180535996},{"text":"$3,720 roughly in in tax across the your taxable income and your superannuation tax.","start":446.86502,"end":456.93,"sentiment":"neutral","sentiment_score":0.037667062266596725},{"text":"Because when the money goes into your superannuation fund, it does get taxed, but it gets taxed at that lower superannuation rate of 15% rather than your current rate of income tax, which you're sitting on the 37 rate.","start":456.93,"end":469.97498,"sentiment":"neutral","sentiment_score":-0.021283211473089},{"text":"So it's just giving you that little bit of a a tax buffer, putting more into your super fund, and you're drawing out less because we're fading on that tax on that side of things.","start":471.63498,"end":482.91,"sentiment":"neutral","sentiment_score":0.05147699958511761}],"sentiment":"neutral","sentiment_score":0.05454228261396998,"num_words":105,"start":440.545,"end":482.91},{"sentences":[{"text":"Does that make sense?","start":483.39,"end":485.09,"sentiment":"neutral","sentiment_score":0.0506535405293107},{"text":"Perfect.","start":487.55002,"end":488.05002,"sentiment":"positive","sentiment_score":0.5230165123939514},{"text":"So I wanna do that.","start":488.91,"end":491.01,"sentiment":"positive","sentiment_score":0.3957606256008148},{"text":"Then for Paul, what I wanna do is I wanna set up an account based pension.","start":491.87,"end":496.67,"sentiment":"neutral","sentiment_score":0.22363573592156172},{"text":"So we get a little bit income coming to you guys at the moment for the next nine months just to be able to keep up with the expenses that we have.","start":496.67,"end":505.91498,"sentiment":"neutral","sentiment_score":0.25070834532380104}],"sentiment":"neutral","sentiment_score":0.24664263151072222,"num_words":58,"start":483.39,"end":505.91498},{"sentences":[{"text":"So it basically, we take the entirety of your balance that you currently have, and we push that over from an accumulation phase into an account based pension phase.","start":508.375,"end":517.97003,"sentiment":"neutral","sentiment_score":0.18684914785212484},{"text":"Now this financial year, I also recommend that now that we've ceased employment with your ex employer that we look at selling the company shares.","start":518.27,"end":528.05,"sentiment":"neutral","sentiment_score":0.05445454716682434},{"text":"Because your income this financial year has essentially been 42 and chain, you're in a really low tax bracket.","start":528.635,"end":537.215,"sentiment":"neutral","sentiment_score":0.03923900131332247},{"text":"So we can sell those sell those shares because I know they're about $30 worth and obviously that fluctuates.","start":537.755,"end":544.89,"sentiment":"neutral","sentiment_score":0.11688704416155815},{"text":"But there's there's about $30 worth.","start":545.47,"end":548.31,"sentiment":"neutral","sentiment_score":0.038977863267064095}],"sentiment":"neutral","sentiment_score":0.10183929602558515,"num_words":98,"start":508.375,"end":548.31},{"sentences":[{"text":"The capital gains, because you've been accumulating them slowly over your employment term, will all be calculated, like, differently across the term of the ownership.","start":548.31,"end":557.45,"sentiment":"neutral","sentiment_score":0.050944725275039675},{"text":"But I recommend we sell them now.","start":558.865,"end":560.305,"sentiment":"neutral","sentiment_score":0.16170856143747056},{"text":"That way, they're liquidated and you're done with the company, so to speak.","start":560.305,"end":564.96497,"sentiment":"neutral","sentiment_score":0.15886335189525896},{"text":"And it means that we're not gonna be holding them for a longer period of time than what we need to.","start":566.625,"end":572.36005,"sentiment":"neutral","sentiment_score":-0.06924107697393213},{"text":"The tax laws change moving forward soon, and I just think it's better if we get offload those now and just reconsolidate things a little bit tidier than to keep holding on to them.","start":572.82,"end":585.945,"sentiment":"neutral","sentiment_score":-0.1335199826177867}],"sentiment":"neutral","sentiment_score":-0.0152294038888067,"num_words":100,"start":548.31,"end":585.945},{"sentences":[{"text":"Now what I wanna do is I wanna pull what is essentially it's $2,765.40 from the pension account per fortnight over the next sort of nineteen fortnights remaining in the financial year.","start":586.505,"end":603.22,"sentiment":"neutral","sentiment_score":0.11130416952073574},{"text":"Okay?","start":603.83997,"end":604.33997,"sentiment":"neutral","sentiment_score":0.1263653039932251},{"text":"So what that's gonna do is just give you guys that little bit more comfortable income stream while we have the mortgages going on and every closure.","start":604.87994,"end":612.33997,"sentiment":"neutral","sentiment_score":0.2773823108938005},{"text":"Now that is basically the income side of things covered.","start":616.355,"end":620.535,"sentiment":"neutral","sentiment_score":0.1284301646053791},{"text":"And then what I wanna do is just do a little bit of a change to our super funds.","start":621.315,"end":625.795,"sentiment":"neutral","sentiment_score":0.10154427999728605}],"sentiment":"neutral","sentiment_score":0.16169734931226526,"num_words":89,"start":586.505,"end":625.795},{"sentences":[{"text":"Now because, Paul, we're moving you into a account based pension, you are capital gains free.","start":625.795,"end":634.66,"sentiment":"neutral","sentiment_score":0.08203756879083812},{"text":"So doesn't matter what we do in that account based pension, you're completely capital gains free.","start":634.95996,"end":640.0,"sentiment":"neutral","sentiment_score":0.08991577988490462},{"text":"I can sell every single asset and liquidate all of it and buy again, and you paid sorry.","start":640.0,"end":645.44,"sentiment":"neutral","sentiment_score":-0.033426925333009824},{"text":"Hiccups.","start":645.44,"end":645.94,"sentiment":"neutral","sentiment_score":-0.2379436492919922},{"text":"You paid nothing in tax.","start":646.215,"end":647.67505,"sentiment":"neutral","sentiment_score":-0.2649338930845261}],"sentiment":"neutral","sentiment_score":0.01048135371612651,"num_words":56,"start":625.795,"end":647.67505},{"sentences":[{"text":"Helen, because you are still in an accumulation and working, had to be very selective as to what assets I sold down and how I distributed the funds because otherwise, the capital gains tax could be sort of the most capital gains you would have paid was about $5.","start":648.775,"end":670.08997,"sentiment":"neutral","sentiment_score":-0.19191308319568634},{"text":"And considering we're so close to retirement, it made no sense for us to liquidate a a tax implication to that degree now.","start":670.47,"end":682.625,"sentiment":"neutral","sentiment_score":-0.3268139431981937},{"text":"So I picked I was very, very choosy about how I redistributed things.","start":682.765,"end":687.345,"sentiment":"neutral","sentiment_score":0.13931734000261015},{"text":"And my ultimate goal with both of you was to get rid of anything that was a little bit under like, on any underlying funds that just weren't pulling their weight performance wise and also to drop the overall cost of the operation of the fund.","start":688.045,"end":702.95,"sentiment":"neutral","sentiment_score":0.11333724014137102},{"text":"So a couple of the assets that you were you were invested in previously were just a little bit costly.","start":703.295,"end":708.19495,"sentiment":"neutral","sentiment_score":-0.09937612265348435}],"sentiment":"neutral","sentiment_score":-0.07869765401774684,"num_words":151,"start":648.775,"end":708.19495},{"sentences":[{"text":"They were doing well.","start":708.33496,"end":709.13495,"sentiment":"neutral","sentiment_score":0.041959892958402634},{"text":"Don't get me wrong.","start":709.13495,"end":709.77496,"sentiment":"neutral","sentiment_score":0.00395344034768641},{"text":"Like, it's not like they weren't pulling their weight performance wise, but they they were, like, 1% in an investment cost where I can could redistribute that and cut that into cents.","start":709.77496,"end":723.74,"sentiment":"neutral","sentiment_score":-0.018378840381046757},{"text":"So that's what I had an aim of doing was to basically redistribute the cost, just decrease it down, and I've been able to do that.","start":725.8,"end":734.03503,"sentiment":"neutral","sentiment_score":0.2076380057976796},{"text":"So whole I did a full overhaul of your investment portfolio, dropping the investment fee from $36.35 across the year down to $15.14.","start":734.03503,"end":747.175,"sentiment":"neutral","sentiment_score":0.2236536637596462}],"sentiment":"neutral","sentiment_score":0.11391182986789206,"num_words":89,"start":708.33496,"end":747.175},{"sentences":[{"text":"So massive like, it's it's $2,100 in savings across the account across the year in that investment fee positioning, which the investment fees are all built into the actual operational cost of the account.","start":749.68,"end":765.455,"sentiment":"neutral","sentiment_score":0.17709191066815572},{"text":"So it's not something you always see, but they do they do exist, and I always wanna make sure that I can account for that.","start":765.455,"end":774.13,"sentiment":"neutral","sentiment_score":0.04695482462644577},{"text":"It's not something you don't necessarily always see when you're looking at a at a report on the account, but it's something that I take into consideration and I look at because some of the investment can be costly from an underlying cost base, and I wanna make sure I consider that in the overall operations of it.","start":774.13,"end":789.875,"sentiment":"neutral","sentiment_score":0.015761021155350167},{"text":"So I considered how that all looks across the account and was able to, yeah, literally cut it in more than half, which was actually amazing.","start":791.775,"end":804.14,"sentiment":"positive","sentiment_score":0.38980960903259426},{"text":"Now, Helen, I was able to drop yours from 1622.","start":806.44,"end":811.10004,"sentiment":"neutral","sentiment_score":0.2440026357769966}],"sentiment":"neutral","sentiment_score":0.13519092155559584,"num_words":153,"start":749.68,"end":811.10004},{"sentences":[{"text":"Oh, computer's loading.","start":813.80005,"end":815.345,"sentiment":"neutral","sentiment_score":0.15971977015336355},{"text":"That's fine.","start":815.345,"end":816.165,"sentiment":"neutral","sentiment_score":0.24728421866893768},{"text":"Down to it's 900 and change.","start":816.865,"end":820.725,"sentiment":"neutral","sentiment_score":0.16754245137174925},{"text":"So it ends up being a $681 savings across the account, which is fantastic.","start":821.105,"end":828.645,"sentiment":"positive","sentiment_score":0.4665200018457004},{"text":"And we were able to save some stuff.","start":832.06,"end":834.32,"sentiment":"positive","sentiment_score":0.513338047079742}],"sentiment":"positive","sentiment_score":0.3823323290456425,"num_words":33,"start":813.80005,"end":834.32},{"sentences":[{"text":"Now performance wise, Paul, your your your performance across historical performance data increases by that 2% year on year.","start":834.62,"end":848.40497,"sentiment":"positive","sentiment_score":0.3765040745860652},{"text":"Helen, yours is actually pretty much in line with each other.","start":848.46497,"end":851.82495,"sentiment":"positive","sentiment_score":0.5709257396784696},{"text":"Like, I it's because I haven't changed too much of the assets around.","start":851.82495,"end":855.44495,"sentiment":"neutral","sentiment_score":0.21336614455168063},{"text":"It's just I had more of a focus to Helen on actually looking at the the the investment cost than the performance because the performance was really working well within your your investment.","start":856.14496,"end":869.54004,"sentiment":"neutral","sentiment_score":0.32365753614541254},{"text":"It was just a matter of that performance cost was a little bit higher than what I would not necessarily like, I guess.","start":869.92004,"end":875.655,"sentiment":"neutral","sentiment_score":0.00487752760881963}],"sentiment":"neutral","sentiment_score":0.2727313359653709,"num_words":99,"start":834.62,"end":875.655},{"sentences":[{"text":"Now is everything making sense, or am I running a million miles an hour because I'm somehow living on two hours sleep?","start":880.85504,"end":887.35504,"sentiment":"neutral","sentiment_score":0.1414736622775143},{"text":"Now Yes.","start":894.69,"end":896.85004,"sentiment":"neutral","sentiment_score":0.029587024822831157},{"text":"Absolutely.","start":896.85004,"end":897.35004,"sentiment":"neutral","sentiment_score":0.02442101761698723},{"text":"Yes.","start":901.41003,"end":901.845,"sentiment":"neutral","sentiment_score":-0.002885216847062111},{"text":"No.","start":906.165,"end":906.40497,"sentiment":"neutral","sentiment_score":-0.04200740158557892}],"sentiment":"neutral","sentiment_score":0.11670825996056751,"num_words":27,"start":880.85504,"end":906.40497},{"sentences":[{"text":"That's just within the that's just within the the the the superannuation account.","start":906.40497,"end":911.365,"sentiment":"neutral","sentiment_score":-0.006183163585284581},{"text":"Yeah.","start":911.365,"end":911.685,"sentiment":"neutral","sentiment_score":0.03827591985464096},{"text":"I'll I'll get I'll get to the investment copy.","start":911.685,"end":913.52496,"sentiment":"neutral","sentiment_score":0.026096940454509523},{"text":"Don't you worry.","start":913.52496,"end":914.245,"sentiment":"neutral","sentiment_score":0.0020168436070283255},{"text":"It's coming.","start":914.245,"end":914.985,"sentiment":"neutral","sentiment_score":0.0013513772282749414}],"sentiment":"neutral","sentiment_score":0.00719716223622007,"num_words":28,"start":906.40497,"end":914.985},{"sentences":[{"text":"No.","start":916.93005,"end":917.33,"sentiment":"neutral","sentiment_score":-0.047251541167497635},{"text":"Don't apologize.","start":917.33,"end":918.07,"sentiment":"neutral","sentiment_score":-0.0769277773797512},{"text":"Not at all.","start":918.29004,"end":919.11005,"sentiment":"neutral","sentiment_score":-0.043014343827962875},{"text":"Fire questions away.","start":919.17004,"end":920.21,"sentiment":"neutral","sentiment_score":0.02350592116514842},{"text":"I'm always happy to answer questions.","start":920.21,"end":921.91003,"sentiment":"neutral","sentiment_score":0.29094843069712323}],"sentiment":"neutral","sentiment_score":0.09907054801781973,"num_words":15,"start":916.93005,"end":921.91003},{"sentences":[{"text":"Absolutely.","start":922.37006,"end":922.87006,"sentiment":"neutral","sentiment_score":0.13983570039272308},{"text":"Now I'm on sort of page 33 ish because I've I've read this document that many times.","start":924.85004,"end":930.325,"sentiment":"neutral","sentiment_score":-0.010605077204458854},{"text":"I'm kind of back to front and upside down with it.","start":930.325,"end":933.305,"sentiment":"neutral","sentiment_score":-0.06593470309268344},{"text":"What happens when you write it?","start":934.165,"end":935.785,"sentiment":"neutral","sentiment_score":-0.0035020969808101654},{"text":"Now on page 33, there's, like, a buy sell spread.","start":938.485,"end":942.325,"sentiment":"neutral","sentiment_score":0.013689939118921756}],"sentiment":"neutral","sentiment_score":-0.01444101192884975,"num_words":45,"start":922.37006,"end":942.325},{"sentences":[{"text":"So it shows what assets I'm getting rid of, what assets I'm rebalancing.","start":942.325,"end":946.95996,"sentiment":"neutral","sentiment_score":-0.02103977833981984},{"text":"So for example with polls you're a little bit underweight in gold so I'm buying a little bit of gold.","start":947.33997,"end":954.16,"sentiment":"neutral","sentiment_score":-0.016148830158635975},{"text":"I'm buying a little bit more in one of the cool composite bonds that you have.","start":955.89996,"end":959.44,"sentiment":"neutral","sentiment_score":0.07175929727964103},{"text":"I'm so I'm dumping or I'm I'm getting rid of the Bennelong asset.","start":959.505,"end":965.605,"sentiment":"neutral","sentiment_score":-0.028019998867351275},{"text":"It's an Australian investment asset.","start":966.305,"end":968.805,"sentiment":"neutral","sentiment_score":0.03458026256412268}],"sentiment":"neutral","sentiment_score":0.0053775576481929245,"num_words":67,"start":942.325,"end":968.805},{"sentences":[{"text":"Its performance has been pretty air.","start":969.185,"end":972.005,"sentiment":"neutral","sentiment_score":0.09194132685661316},{"text":"It's doing okay.","start":972.54,"end":973.52,"sentiment":"neutral","sentiment_score":0.20446976025899252},{"text":"It's just been air and it's 1% investment fee.","start":973.82,"end":977.44,"sentiment":"neutral","sentiment_score":0.04598641395568848},{"text":"BHYB, which is the banking hybrid, banking hybrids are being phased out within the next it's 2022.","start":977.82,"end":988.025,"sentiment":"neutral","sentiment_score":-0.048980010344701654},{"text":"I'm sorry.","start":989.125,"end":989.605,"sentiment":"neutral","sentiment_score":-0.11365078389644624}],"sentiment":"neutral","sentiment_score":0.014026303347703573,"num_words":37,"start":969.185,"end":989.605},{"sentences":[{"text":"2032 that they're being phased out.","start":989.605,"end":993.445,"sentiment":"neutral","sentiment_score":-0.1268534598251184},{"text":"So rather than wait for the asset to be phased out, I'd rather get rid of it now while it's performing well and while the asset is actually sitting in a good price point rather than waiting for it to be phased out and you get to whatever the replacement ends up being.","start":993.445,"end":1013.94495,"sentiment":"neutral","sentiment_score":-0.08043380454182625},{"text":"Legislatively, they're being phased out not just with the investment manager, it's across the board banking hybrid.","start":1014.32495,"end":1019.225,"sentiment":"neutral","sentiment_score":-0.03981649338760797},{"text":"So I made the choice to get rid of that.","start":1020.96497,"end":1022.90497,"sentiment":"neutral","sentiment_score":-0.06663924604654312},{"text":"I'm swapping the tech and lithium asset for a cyber security, so moving more a little bit into the AI sector than the system and then just diversifying a little bit out into some, like, Europe, Japan, stuff like that.","start":1023.125,"end":1036.23,"sentiment":"neutral","sentiment_score":0.07898068949580192}],"sentiment":"neutral","sentiment_score":-0.025461568792779294,"num_words":126,"start":989.605,"end":1036.23},{"sentences":[{"text":"So nothing crazy per se going on.","start":1037.49,"end":1040.71,"sentiment":"neutral","sentiment_score":0.08115831975425992},{"text":"Just literally just a little bit of a redistribution of assets across the board.","start":1041.175,"end":1045.275,"sentiment":"neutral","sentiment_score":0.053920152597129345},{"text":"Helen, for some ungodly reason, my computer is loading slowly.","start":1048.375,"end":1053.415,"sentiment":"neutral","sentiment_score":-0.13823225423693658},{"text":"But, Helen, I've done what I've done is you have a ClearBridge infrastructure income fund.","start":1053.415,"end":1060.8,"sentiment":"neutral","sentiment_score":-0.00850084115906308},{"text":"Paul has it too.","start":1061.7401,"end":1062.54,"sentiment":"neutral","sentiment_score":-0.04657965945079923}],"sentiment":"neutral","sentiment_score":-0.00746326845837757,"num_words":50,"start":1037.49,"end":1062.54},{"sentences":[{"text":"I've dumped it completely from Paul Paul's.","start":1062.54,"end":1064.3201,"sentiment":"neutral","sentiment_score":-0.1214326588170869},{"text":"But that's pretty much the only thing I'm actually getting rid of under yours is I'm getting rid of the infrastructure income fund, and I'm swapping it for a much cheaper hedge ETF, which is a it's a global infrastructure fund.","start":1064.7001,"end":1079.715,"sentiment":"neutral","sentiment_score":-0.045761174348427164},{"text":"It's just it's it's that's where the majority of the the cost is coming from with your account.","start":1081.055,"end":1085.715,"sentiment":"neutral","sentiment_score":-0.020228098560538556},{"text":"The BHYB, I haven't gotten rid of out of your account yet because it's performed well.","start":1086.24,"end":1092.18,"sentiment":"neutral","sentiment_score":-0.10965041152667254},{"text":"If I dump it from your account now while we're not in pension phase, capital gains starts hitting us.","start":1092.64,"end":1100.865,"sentiment":"neutral","sentiment_score":-0.1946038062635221}],"sentiment":"neutral","sentiment_score":-0.08457644987651977,"num_words":101,"start":1062.54,"end":1100.865},{"sentences":[{"text":"And it's it's not huge if I just dump that, but I'd rather just hold off.","start":1101.985,"end":1106.385,"sentiment":"neutral","sentiment_score":-0.07781696552410722},{"text":"It's performing well.","start":1106.385,"end":1107.525,"sentiment":"positive","sentiment_score":0.38369813561439514},{"text":"It's just I would like to make a move and a pivot on it eventually, and that'll sort of come in a few months' time.","start":1108.3049,"end":1116.1799,"sentiment":"neutral","sentiment_score":0.2306778210401535},{"text":"And by a few months, I mean, probably closer to 12.","start":1116.1799,"end":1118.44,"sentiment":"neutral","sentiment_score":0.08727166598493402},{"text":"So rather than overcomplicate things by saying let's do this now and then this in twelve months, I just figured I'd stage one, and I have left myself a nice note as to where I wanna head next year anyway.","start":1118.98,"end":1127.64,"sentiment":"neutral","sentiment_score":0.21309633888304233}],"sentiment":"neutral","sentiment_score":0.15954537226965554,"num_words":95,"start":1101.985,"end":1127.64},{"sentences":[{"text":"And I figured I'd hold off and depending on how the market goes, we might I might change that anyway.","start":1127.8151,"end":1132.0751,"sentiment":"neutral","sentiment_score":0.07726962044835091},{"text":"I looked at too many things to be able to wrap my head around, but it's okay.","start":1134.135,"end":1138.155,"sentiment":"neutral","sentiment_score":0.09636509725276161},{"text":"So that's where the assets fit from that perspective.","start":1139.8301,"end":1142.0701,"sentiment":"neutral","sentiment_score":0.2170950108104282},{"text":"So not a huge amount of changes.","start":1142.0701,"end":1143.8501,"sentiment":"neutral","sentiment_score":0.09176723552601677},{"text":"Just for you, it's literally just a a straight one for one swap.","start":1143.99,"end":1147.13,"sentiment":"neutral","sentiment_score":0.2831789002968715}],"sentiment":"neutral","sentiment_score":0.14335076533483737,"num_words":66,"start":1127.8151,"end":1147.13},{"sentences":[{"text":"I'm not rebalancing anything in your account because, again, triggers capital gains, so I don't wanna push that rebalance.","start":1147.67,"end":1152.65,"sentiment":"neutral","sentiment_score":0.105476119408482},{"text":"It's not too far off kilter in terms of asset holdings.","start":1154.5449,"end":1158.705,"sentiment":"neutral","sentiment_score":0.13685880533673547},{"text":"You're a little bit high in gold, but that's not like, like, I'm I'm okay with that at the moment.","start":1158.705,"end":1165.985,"sentiment":"neutral","sentiment_score":0.2188358012586832},{"text":"It's not anything too bad.","start":1165.985,"end":1167.6901,"sentiment":"neutral","sentiment_score":0.28334082663059235},{"text":"And we're only gonna ride that for for nine months, basically, because what I wanna do is we're gonna connect later late June at the latest to basically touch base, make sure that you're all happy to pack up and go from there.","start":1167.91,"end":1183.425,"sentiment":"positive","sentiment_score":0.38006585108679397}],"sentiment":"neutral","sentiment_score":0.26169127431146955,"num_words":98,"start":1147.67,"end":1183.425},{"sentences":[{"text":"Now does all of that make sense?","start":1186.045,"end":1191.885,"sentiment":"neutral","sentiment_score":0.22059794621808188},{"text":"Like, that's that side of things is pretty straightforward in terms of where we're sitting.","start":1191.885,"end":1197.17,"sentiment":"positive","sentiment_score":0.33919581572214763},{"text":"Because it's it's literally Paul's already retired.","start":1197.31,"end":1200.2101,"sentiment":"neutral","sentiment_score":0.212196341582707},{"text":"We're gonna sell the company shares, set up a set up an account for him and get some money paying to you guys.","start":1200.5901,"end":1210.245,"sentiment":"neutral","sentiment_score":0.2678840361211611},{"text":"And then for you, it's gonna be a set up set up a partial pension account.","start":1210.785,"end":1217.605,"sentiment":"neutral","sentiment_score":0.20798816997557878}],"sentiment":"neutral","sentiment_score":0.25892118824755445,"num_words":68,"start":1186.045,"end":1217.605},{"sentences":[{"text":"And then you're gonna have two income streams.","start":1218.4651,"end":1220.4651,"sentiment":"neutral","sentiment_score":0.2247573398053646},{"text":"One from your employer, one from the pension account.","start":1220.4651,"end":1223.605,"sentiment":"neutral","sentiment_score":0.20238899191220602},{"text":"I will draft up the letter for the salary sacrifice so that way you can just hand that straight to to work and do it all.","start":1224.8099,"end":1231.71,"sentiment":"positive","sentiment_score":0.3887077569961548},{"text":"That way you don't have to think about numbers and read through a 85 page document to find it again.","start":1233.77,"end":1238.835,"sentiment":"positive","sentiment_score":0.5352947309613227},{"text":"Look, I tried to keep it small.","start":1243.375,"end":1244.915,"sentiment":"neutral","sentiment_score":0.08155584867511477}],"sentiment":"positive","sentiment_score":0.35718209839292936,"num_words":70,"start":1218.4651,"end":1244.915},{"sentences":[{"text":"Yep.","start":1257.74,"end":1258.24,"sentiment":"neutral","sentiment_score":0.005150142125785351},{"text":"Long term.","start":1274.265,"end":1275.0851,"sentiment":"neutral","sentiment_score":-0.06155910901725292},{"text":"Yes.","start":1276.025,"end":1276.5,"sentiment":"neutral","sentiment_score":-0.0017409268766641617},{"text":"No.","start":1280.66,"end":1281.06,"sentiment":"neutral","sentiment_score":-0.09922761470079422},{"text":"And I did I did I did consider it.","start":1281.06,"end":1286.68,"sentiment":"neutral","sentiment_score":0.06455699975291888}],"sentiment":"neutral","sentiment_score":0.02586259859214936,"num_words":14,"start":1257.74,"end":1286.68},{"sentences":[{"text":"I haven't included it in the document here, but I did consider it.","start":1286.82,"end":1290.045,"sentiment":"neutral","sentiment_score":0.012004416722517747},{"text":"And realistically, because your which I was asked to touch on anyway, so we'll just we'll kinda circle down to it anyway.","start":1290.525,"end":1296.545,"sentiment":"neutral","sentiment_score":0.059457617049867455},{"text":"Because your share of the property is so low, because you only have 10% whereas Paul has 90, It it actually works out nicely if you do continue working next year.","start":1297.0851,"end":1311.47,"sentiment":"neutral","sentiment_score":0.24222261362498806},{"text":"Because realistically so stage two of the document is the twenty twenty seven, twenty twenty eight financial year, which is essentially in July, first and foremost, hey, Helen.","start":1311.47,"end":1324.385,"sentiment":"neutral","sentiment_score":0.0820899209273713},{"text":"You're done with work.","start":1324.525,"end":1325.4851,"sentiment":"neutral","sentiment_score":0.08358222246170044}],"sentiment":"neutral","sentiment_score":0.1184272723538535,"num_words":98,"start":1286.82,"end":1325.4851},{"sentences":[{"text":"Retire.","start":1325.4851,"end":1325.9851,"sentiment":"neutral","sentiment_score":0.0689544603228569},{"text":"Yeah.","start":1330.18,"end":1330.5,"sentiment":"neutral","sentiment_score":0.17787644267082214},{"text":"And with that, you can take your long service leave.","start":1330.5,"end":1333.7001,"sentiment":"neutral","sentiment_score":0.1436862975358963},{"text":"So you could you basically hang up the hat in in, say, June, what whatever week would work for you, and start taking your long service leave.","start":1333.7001,"end":1341.48,"sentiment":"neutral","sentiment_score":0.11753827029908145},{"text":"It depends on your company, and this is the part that I got stuck on a little bit.","start":1342.7749,"end":1348.1549,"sentiment":"neutral","sentiment_score":-0.014677088914646043}],"sentiment":"neutral","sentiment_score":0.08057964168358267,"num_words":57,"start":1325.4851,"end":1348.1549},{"sentences":[{"text":"It depends on your company and how willing they are to do things because there's two ways to take long service leave.","start":1348.615,"end":1353.8949,"sentiment":"neutral","sentiment_score":0.0812703628431667},{"text":"You can either get paid out a lump sum, which if it's a lump sum, we're definitely gonna make sure that it's paid in the 2728 financial year.","start":1353.8949,"end":1362.2301,"sentiment":"neutral","sentiment_score":0.1117378631606698},{"text":"If it's a if if they can pay an income stream, then it's it it's fine because it'll just be, you know, weekly fortnightly payments, and it's not gonna like, it still ends up being the same amount of money.","start":1362.53,"end":1380.275,"sentiment":"neutral","sentiment_score":0.09396125860512257},{"text":"But if you quit work in the June and they try and pay your long service later's lump sum, it's just gonna mess up the tax year for this current financial tax year.","start":1380.495,"end":1390.33,"sentiment":"negative","sentiment_score":-0.543986771142844},{"text":"Yep.","start":1406.7051,"end":1407.2051,"sentiment":"neutral","sentiment_score":0.025450175628066063}],"sentiment":"neutral","sentiment_score":-0.0746052804583263,"num_words":124,"start":1348.615,"end":1407.2051},{"sentences":[{"text":"Correct.","start":1412.9451,"end":1413.4451,"sentiment":"neutral","sentiment_score":0.10403943806886672},{"text":"Yep.","start":1413.505,"end":1413.84,"sentiment":"neutral","sentiment_score":0.08054022490978241},{"text":"And not go back to work and and and be done.","start":1414.1599,"end":1417.14,"sentiment":"neutral","sentiment_score":0.04303779825568199},{"text":"And the long service leave the the fun part about it is if they pay it in in installments, you actually accrue annual leave as well.","start":1417.76,"end":1429.7251,"sentiment":"neutral","sentiment_score":0.1356974499156842},{"text":"So it means that after two and a half months worth of long service leave, you'll then have an allotment of annual leave on the back of that, which, you know, 2.5 is basically gonna be sort of a week's worth of annual leave.","start":1432.505,"end":1449.63,"sentiment":"neutral","sentiment_score":0.05724258536726914}],"sentiment":"neutral","sentiment_score":0.08078075780432267,"num_words":83,"start":1412.9451,"end":1449.63},{"sentences":[{"text":"Yes.","start":1453.915,"end":1454.075,"sentiment":"neutral","sentiment_score":0.007753361482173204},{"text":"Two weeks?","start":1454.075,"end":1454.475,"sentiment":"neutral","sentiment_score":-0.004341694060713053},{"text":"No.","start":1454.475,"end":1454.715,"sentiment":"neutral","sentiment_score":-0.06174615025520325},{"text":"It'll be half a week.","start":1454.715,"end":1455.915,"sentiment":"neutral","sentiment_score":-0.03135896474123001},{"text":"Half a week?","start":1455.915,"end":1456.475,"sentiment":"neutral","sentiment_score":-0.007784683878223102}],"sentiment":"neutral","sentiment_score":-0.020235421019606292,"num_words":12,"start":1453.915,"end":1456.475},{"sentences":[{"text":"Half a week.","start":1456.475,"end":1456.875,"sentiment":"neutral","sentiment_score":-0.012655195780098438},{"text":"Half a week worth of annual leave that'll be accrued during that period that you can then get paid out as well.","start":1456.875,"end":1464.235,"sentiment":"neutral","sentiment_score":0.009024590909989043},{"text":"So it's back and forth super funny, but that sort of that side of thing.","start":1464.235,"end":1470.5399,"sentiment":"neutral","sentiment_score":-0.13941366448998452},{"text":"Correct.","start":1474.36,"end":1474.86,"sentiment":"neutral","sentiment_score":-0.025256186723709103},{"text":"Yeah.","start":1475.08,"end":1475.58,"sentiment":"neutral","sentiment_score":-0.04299062490463257}],"sentiment":"neutral","sentiment_score":-0.04759229443568204,"num_words":42,"start":1456.475,"end":1475.58},{"sentences":[{"text":"Twenty 07/28.","start":1500.1499,"end":1501.45,"sentiment":"neutral","sentiment_score":-0.005799954058602452},{"text":"Yes.","start":1505.995,"end":1506.315,"sentiment":"neutral","sentiment_score":0.04442030191421509},{"text":"Yes.","start":1506.315,"end":1506.475,"sentiment":"neutral","sentiment_score":0.0702226459980011},{"text":"So it'll be the June 30, the July 1, whichever whichever works out.","start":1506.475,"end":1510.1749,"sentiment":"neutral","sentiment_score":0.05846331555109758},{"text":"Yep.","start":1520.25,"end":1520.75,"sentiment":"neutral","sentiment_score":-0.009838735684752464}],"sentiment":"neutral","sentiment_score":0.04740152257080707,"num_words":18,"start":1500.1499,"end":1520.75},{"sentences":[{"text":"Yep.","start":1537.485,"end":1537.985,"sentiment":"neutral","sentiment_score":-0.020667722448706627},{"text":"Yep.","start":1539.7251,"end":1540.2251,"sentiment":"neutral","sentiment_score":0.015599108301103117},{"text":"That's correct.","start":1542.26,"end":1542.8201,"sentiment":"neutral","sentiment_score":0.095521941781044},{"text":"Paul's got it right.","start":1542.8201,"end":1543.7001,"sentiment":"neutral","sentiment_score":0.06644784566015005},{"text":"So, basically, you at the like, however how many weeks you need to give them notice, you would say at the you know, it might be May.","start":1543.7001,"end":1551.62,"sentiment":"neutral","sentiment_score":-0.0012496171036252268}],"sentiment":"neutral","sentiment_score":0.011943628293062959,"num_words":35,"start":1537.485,"end":1551.62},{"sentences":[{"text":"You might turn around and say, hey.","start":1551.62,"end":1553.3,"sentiment":"neutral","sentiment_score":-0.009360373918233173},{"text":"I'm gonna take my long service leave.","start":1553.3,"end":1555.4,"sentiment":"neutral","sentiment_score":-0.0037687990282263073},{"text":"I'm gonna start my long service leave on the 20 June 8.","start":1555.4601,"end":1559.6951,"sentiment":"neutral","sentiment_score":0.012692828585083285},{"text":"And I'm gonna start my long service leave on the July 5, whatever whichever date you wanna sort of call it because that unfortunately, the the this financial year finishes in on a midweek.","start":1561.275,"end":1571.535,"sentiment":"neutral","sentiment_score":-0.034536175566780215},{"text":"But you would then start your long service leave and just continue through your long service leave.","start":1572.7999,"end":1577.46,"sentiment":"neutral","sentiment_score":-0.011324238799074116}],"sentiment":"neutral","sentiment_score":-0.016965354499467587,"num_words":77,"start":1551.62,"end":1577.46},{"sentences":[{"text":"I'm assuming you probably have a four week notice period to tell them you're quitting.","start":1577.6,"end":1582.1799,"sentiment":"neutral","sentiment_score":-0.028364351950585842},{"text":"Yep.","start":1584.32,"end":1584.64,"sentiment":"neutral","sentiment_score":0.0010458678007125854},{"text":"So halfway through your long service leave, you'll just turn around and say, hey.","start":1584.64,"end":1587.625,"sentiment":"neutral","sentiment_score":-0.055850209668278694},{"text":"By the way, I resign.","start":1587.625,"end":1588.605,"sentiment":"neutral","sentiment_score":-0.08689027428627014},{"text":"Thanks.","start":1588.665,"end":1589.165,"sentiment":"neutral","sentiment_score":0.06788307428359985}],"sentiment":"neutral","sentiment_score":-0.04369140677671465,"num_words":36,"start":1577.6,"end":1589.165},{"sentences":[{"text":"That's okay.","start":1593.785,"end":1594.525,"sentiment":"neutral","sentiment_score":0.21256542205810547},{"text":"Look.","start":1595.945,"end":1596.345,"sentiment":"neutral","sentiment_score":0.11311857402324677},{"text":"I could pretty much draft up your your your letters of retirement if you want and put the dates on them that you have to send them.","start":1596.345,"end":1601.965,"sentiment":"neutral","sentiment_score":0.09546844012759349},{"text":"That's okay.","start":1612.24,"end":1612.98,"sentiment":"neutral","sentiment_score":0.20676400512456894},{"text":"So you retire and you run your long service leave.","start":1613.6,"end":1617.0599,"sentiment":"neutral","sentiment_score":0.08219611123204232}],"sentiment":"neutral","sentiment_score":0.10360443867033436,"num_words":42,"start":1593.785,"end":1617.0599},{"sentences":[{"text":"Now because they're gonna meet again at the, like, June like, mid June this year before you go on your long service leave, we can kinda touch base as to how your employer is gonna pay you out because you may turn around and give notice or your intending intended long service leave, and your employer may say, hey.","start":1619.475,"end":1639.4501,"sentiment":"neutral","sentiment_score":0.06148055053742255},{"text":"Be honest.","start":1640.39,"end":1641.03,"sentiment":"neutral","sentiment_score":0.00867253914475441},{"text":"Are you retiring?","start":1641.03,"end":1641.8301,"sentiment":"neutral","sentiment_score":-0.0019302368164062493},{"text":"And you you may, depending on how you're feeling, actually turn around and say, yes.","start":1641.8301,"end":1645.3501,"sentiment":"neutral","sentiment_score":0.06165706447015206},{"text":"I am retiring.","start":1645.3501,"end":1646.17,"sentiment":"neutral","sentiment_score":0.16133167346318564}],"sentiment":"neutral","sentiment_score":0.06155802240231779,"num_words":82,"start":1619.475,"end":1646.17},{"sentences":[{"text":"And they may then make the decision to lump sum pay it.","start":1646.465,"end":1649.105,"sentiment":"neutral","sentiment_score":0.2300641561547915},{"text":"It's not an issue if they lump sum pay it so long as we get make sure that they pay it next financial year, so 2728 after the July 1, then it's all kosher.","start":1649.105,"end":1658.725,"sentiment":"neutral","sentiment_score":0.3229013400919297},{"text":"It's just dependent on how it all falls, how honest you wanna be with them.","start":1659.7101,"end":1663.73,"sentiment":"neutral","sentiment_score":0.13542464176813762},{"text":"I have, like, four clients that are retiring within the next nine months on the government a month ago, and they're all sort of different.","start":1663.9501,"end":1670.27,"sentiment":"neutral","sentiment_score":0.07794636860489845},{"text":"It's just it's employer based.","start":1670.27,"end":1671.81,"sentiment":"neutral","sentiment_score":0.04457372799515724}],"sentiment":"neutral","sentiment_score":0.19716827383080682,"num_words":91,"start":1646.465,"end":1671.81},{"sentences":[{"text":"Now the reason it's important is because of, obviously, the intention to sell the investment property.","start":1673.115,"end":1679.615,"sentiment":"neutral","sentiment_score":0.01654157997108996},{"text":"Now I went off a basis of 1.45.","start":1682.155,"end":1687.615,"sentiment":"neutral","sentiment_score":-0.0005985472816973925},{"text":"I know you guys have previously told me it's about 1.4 worth of the house, but I'm I had a look in the area and I had a look at property growth rates, then I increased it a little bit.","start":1688.05,"end":1699.99,"sentiment":"neutral","sentiment_score":-0.012305072718299925},{"text":"I think my calculations ended up being, like, 1.452 something rather.","start":1700.29,"end":1707.365,"sentiment":"neutral","sentiment_score":-0.04497571662068367},{"text":"So I rounded it because I hate dealing with non round numbers.","start":1707.985,"end":1712.005,"sentiment":"neutral","sentiment_score":-0.2177966982126236}],"sentiment":"neutral","sentiment_score":-0.038397922630197014,"num_words":87,"start":1673.115,"end":1712.005},{"sentences":[{"text":"It makes things messy.","start":1713.585,"end":1714.645,"sentiment":"negative","sentiment_score":-0.34612949937582016},{"text":"So I went off a value of one four five.","start":1717.77,"end":1720.3501,"sentiment":"neutral","sentiment_score":-0.03980604857206345},{"text":"I looked at realtor costs down in I use in the in Sydney as a base.","start":1723.13,"end":1730.5349,"sentiment":"neutral","sentiment_score":-0.019785620621405542},{"text":"I know that Glenfield's not quite in, but I went with the highest possible realtor cost as a percentage.","start":1730.5349,"end":1738.1549,"sentiment":"neutral","sentiment_score":-0.02741968278822146},{"text":"I added on marketing cost and a conveyancer.","start":1739.4149,"end":1741.595,"sentiment":"neutral","sentiment_score":-0.015506434952840209}],"sentiment":"neutral","sentiment_score":-0.04814340115377778,"num_words":57,"start":1713.585,"end":1741.595},{"sentences":[{"text":"That's really all the cost that you're gonna incur when it comes to the property sale until you obviously get to settlement and depending on how much of the rates you paid and how much of the blah blah blah and everything else that's due or overpaid or whatever the case may be.","start":1742.16,"end":1756.125,"sentiment":"neutral","sentiment_score":-0.09411026242206681},{"text":"That'll get settled at settlement, and that's not something I can calculate unless I knew the exact date you were gonna settle.","start":1756.205,"end":1760.785,"sentiment":"neutral","sentiment_score":-0.17317823743955654},{"text":"And that's conveyance's job, not mine.","start":1763.005,"end":1764.945,"sentiment":"neutral","sentiment_score":0.022310708339015644},{"text":"That's why you pay them.","start":1765.725,"end":1766.945,"sentiment":"neutral","sentiment_score":-0.09597280025482177},{"text":"So what I got was we sell the house for $14.05.","start":1768.62,"end":1771.98,"sentiment":"neutral","sentiment_score":-0.0023057264360514555}],"sentiment":"neutral","sentiment_score":-0.09452709148532336,"num_words":97,"start":1742.16,"end":1771.98},{"sentences":[{"text":"Obviously, if this figure changes, it does change things a little bit, but irrespective, we deal with sort of the bulk of it.","start":1771.98,"end":1778.4,"sentiment":"neutral","sentiment_score":-0.043466422949796135},{"text":"It's $14.05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012.","start":1778.54,"end":1792.225,"sentiment":"neutral","sentiment_score":0.018360468526852542},{"text":"90% of the property is owned by Paul, 10% owned by Helen.","start":1793.485,"end":1796.61,"sentiment":"neutral","sentiment_score":0.04126107335711519},{"text":"The sale price of $14.05 will result in a 145,000 of that sale being allocated to Helen and that remainder 1.305 being allocated to Paul.","start":1796.61,"end":1808.625,"sentiment":"neutral","sentiment_score":0.0460549783706665},{"text":"The sales cost gets split across as well, so 5 to Helen, 45 to Paul.","start":1808.945,"end":1814.165,"sentiment":"neutral","sentiment_score":0.014104358727733295}],"sentiment":"neutral","sentiment_score":0.013373063268283239,"num_words":104,"start":1771.98,"end":1814.165},{"sentences":[{"text":"The purchase price is split.","start":1815.105,"end":1816.725,"sentiment":"neutral","sentiment_score":0.00630149245262146},{"text":"So of that $409,649.60 is Helen's, $3,686.40 is Paul, which means that after everything's said and done, the capital gain allocation ends up being $495.20 to Helen and $4,456.80 to Paul, which means that at the combination of it all, Helen's paying $5 well, just $58.41 of tax because the capital gain is what you add to your your income.","start":1816.865,"end":1851.9,"sentiment":"neutral","sentiment_score":0.025251363900800548},{"text":"Obviously, neither of you have an income for that financial year, so then it carries over.","start":1851.96,"end":1857.32,"sentiment":"neutral","sentiment_score":-0.13808591989800334},{"text":"So, Helen, if you do end up getting a lump sum payout, you know, with your long service leave, any of that, that's why I'm not fast.","start":1857.32,"end":1864.245,"sentiment":"neutral","sentiment_score":-0.06876525917538891},{"text":"Because you have such a small holding of the property, you earning a little bit more income from, you know, three months worth of well, two and a half, but, you know, three months worth of long service leave isn't going to push us into a silly area at all.","start":1864.485,"end":1880.76,"sentiment":"neutral","sentiment_score":-0.051224029436707494}],"sentiment":"neutral","sentiment_score":-0.03215600564321385,"num_words":158,"start":1815.105,"end":1880.76},{"sentences":[{"text":"You're not gonna be jumping brackets is the main part, which is good.","start":1880.8201,"end":1889.24,"sentiment":"neutral","sentiment_score":0.07396844803140713},{"text":"So we stay in the same brackets we're currently in.","start":1889.9401,"end":1892.52,"sentiment":"neutral","sentiment_score":0.026473594608251005},{"text":"Paul, you're obviously, you know, little little bit higher, just a smidge.","start":1894.105,"end":1898.6849,"sentiment":"neutral","sentiment_score":-0.08828097023069859},{"text":"Nothing crazy.","start":1898.745,"end":1899.565,"sentiment":"neutral","sentiment_score":-0.08754157274961472},{"text":"Yeah.","start":1904.0249,"end":1904.4249,"sentiment":"neutral","sentiment_score":0.03225834667682648}],"sentiment":"neutral","sentiment_score":0.0006349823394741275,"num_words":38,"start":1880.8201,"end":1904.4249},{"sentences":[{"text":"This is this is it.","start":1904.4249,"end":1905.6449,"sentiment":"neutral","sentiment_score":0.04447574317455292},{"text":"Higher.","start":1906.71,"end":1907.21,"sentiment":"neutral","sentiment_score":0.052615076303482056},{"text":"It's just, like, $1.90 $1,799.47 in tax payable.","start":1907.67,"end":1913.45,"sentiment":"neutral","sentiment_score":0.058215256314724684},{"text":"So it means that our capital gain is something about a 185,000.","start":1913.67,"end":1917.21,"sentiment":"neutral","sentiment_score":0.04072939325124025},{"text":"Absolutely.","start":1924.6951,"end":1925.1951,"sentiment":"neutral","sentiment_score":0.047721926122903824}],"sentiment":"neutral","sentiment_score":0.047303351401178924,"num_words":27,"start":1904.4249,"end":1925.1951},{"sentences":[{"text":"Now the really there are a couple of things that we can do when we get that far to actually sell the house, and what I will do is a limited scope of advice piece at that time.","start":1926.375,"end":1940.11,"sentiment":"neutral","sentiment_score":0.032735954725036494},{"text":"But pending what we actually sell the house for and where things sit is we could do some lump sum contributions into the super fund.","start":1940.57,"end":1952.005,"sentiment":"neutral","sentiment_score":0.023811465352773665},{"text":"And because Paul's not working, we could basically pop 32,009 $32,500 into his super fund and claim it as a tax concession against that capital gain.","start":1952.005,"end":1967.21,"sentiment":"neutral","sentiment_score":-0.04278237172044241},{"text":"But that will be a next year piece of advice that I will actually loop the the your accountant in on when we sell the property.","start":1969.35,"end":1979.225,"sentiment":"neutral","sentiment_score":0.05392873358841126},{"text":"And it'll be after the property is sold, and we know what all of the actual figures are, and we can do it anytime during that financial year.","start":1979.225,"end":1986.345,"sentiment":"neutral","sentiment_score":0.07540437752114874}],"sentiment":"neutral","sentiment_score":0.02965301323447611,"num_words":143,"start":1926.375,"end":1986.345},{"sentences":[{"text":"I'm not too stressed because we'll have the entire financial year to deal with it.","start":1986.345,"end":1990.13,"sentiment":"neutral","sentiment_score":0.010178649177153906},{"text":"So long as you don't go and sell it, you know, in the the May 2028, that would really suck, but that's okay if you do.","start":1990.13,"end":1998.15,"sentiment":"neutral","sentiment_score":-0.06435661089534943},{"text":"So just mean we're we're taking our tails.","start":1999.65,"end":2002.0701,"sentiment":"neutral","sentiment_score":-0.19092937279492617},{"text":"Now ultimately speaking, I do want you guys to try and sell the house earlier than later.","start":2005.125,"end":2011.865,"sentiment":"neutral","sentiment_score":0.07898545813034563},{"text":"However, looking at your tax return, the house is pretty neutral anyway.","start":2011.9249,"end":2016.6649,"sentiment":"neutral","sentiment_score":0.15543239377439022}],"sentiment":"neutral","sentiment_score":0.0020501844298381074,"num_words":78,"start":1986.345,"end":2016.6649},{"sentences":[{"text":"So it even if you do keep the property for an extended period of time, it's not going to affect us tax wise too much because the property is pretty well neutral in terms of you know, it's not positive or negative.","start":2018.5701,"end":2030.81,"sentiment":"neutral","sentiment_score":0.07740409211033866},{"text":"It's a little bit negatively geared.","start":2030.81,"end":2032.51,"sentiment":"neutral","sentiment_score":-0.16937674582004547},{"text":"At least it was in that tax year whether that changed a little bit because we've paid down mortgage and stuff like that.","start":2032.595,"end":2037.8151,"sentiment":"neutral","sentiment_score":-0.09492049544401791},{"text":"It was in that tax year.","start":2039.155,"end":2040.615,"sentiment":"neutral","sentiment_score":-0.0578591829786698},{"text":"Now Me too.","start":2042.915,"end":2048.6301,"sentiment":"neutral","sentiment_score":0.01191299750159184}],"sentiment":"neutral","sentiment_score":-0.0032484513358213007,"num_words":80,"start":2018.5701,"end":2048.6301},{"sentences":[{"text":"Now where the cash all sits.","start":2052.61,"end":2055.11,"sentiment":"neutral","sentiment_score":-0.0023466366498420634},{"text":"So house gets sold, realtor cost, capital gains tax, we pay the Glenfield mortgage because it it has to get paid.","start":2055.25,"end":2062.2148,"sentiment":"neutral","sentiment_score":0.012348580218496778},{"text":"It'll get paid during the settlement.","start":2062.2148,"end":2063.595,"sentiment":"neutral","sentiment_score":0.0239119337250789},{"text":"That should leave us with roughly pending sales cost and everything else about $755,221.","start":2064.295,"end":2071.755,"sentiment":"neutral","sentiment_score":0.0545378638697522},{"text":"Super cute.","start":2073.1748,"end":2073.93,"sentiment":"positive","sentiment_score":0.5732495337724686}],"sentiment":"neutral","sentiment_score":0.046913084260435126,"num_words":49,"start":2052.61,"end":2073.93},{"sentences":[{"text":"Now what I propose that we actually do is we utilize that 700 and let's call it three quarters of an hour, and we add what's called a downsizer contribution into both of your super funds.","start":2075.53,"end":2087.475,"sentiment":"neutral","sentiment_score":0.17597616505291727},{"text":"So it's a $100,000 that can be popped into both of your super funds after the sale of the property.","start":2088.195,"end":2094.0352,"sentiment":"neutral","sentiment_score":0.16961475647985935},{"text":"So that's $200,000 gone out of that.","start":2094.0352,"end":2096.215,"sentiment":"neutral","sentiment_score":0.14140164319958007},{"text":"We utilize a 100,000 more of that money to buy the caravan that we wanna buy.","start":2096.5151,"end":2100.09,"sentiment":"positive","sentiment_score":0.38440404646098614},{"text":"I went on the upper side.","start":2100.33,"end":2101.2102,"sentiment":"neutral","sentiment_score":0.1358700394630432}],"sentiment":"neutral","sentiment_score":0.20803451240062715,"num_words":85,"start":2075.53,"end":2101.2102},{"sentences":[{"text":"I know you know you told me between 80 to a 100, but I figured I'd go on the upper side of that.","start":2101.2102,"end":2106.35,"sentiment":"neutral","sentiment_score":0.10245657598842746},{"text":"And we still have plenty of room to move with that, by the way, but a 100.","start":2107.1301,"end":2111.2102,"sentiment":"neutral","sentiment_score":0.32242508320247426},{"text":"And then we use 3.5 of it to pay off our current resident mortgage.","start":2111.2102,"end":2115.7102,"sentiment":"neutral","sentiment_score":0.1631752960383892},{"text":"That would leave us with by the time we allocate the 200 to the super funds, 100 to the caravan, and the 3.5 to the mortgage, it leaves us with a 100,000 left over from the sale and the 270 we have sitting in the offset.","start":2116.215,"end":2128.955,"sentiment":"neutral","sentiment_score":0.23275061810146208},{"text":"So we have $370,000 to do things with.","start":2131.81,"end":2135.11,"sentiment":"neutral","sentiment_score":0.18997890874743462}],"sentiment":"neutral","sentiment_score":0.20693093990148217,"num_words":108,"start":2101.2102,"end":2135.11},{"sentences":[{"text":"That's where the fund comes in.","start":2137.81,"end":2139.35,"sentiment":"neutral","sentiment_score":0.14186887194712958},{"text":"So the the tables that I have here just kind of, like, dot point and kind of just show where the money's going to sort of explain it all.","start":2140.13,"end":2151.125,"sentiment":"neutral","sentiment_score":0.044561639685055304},{"text":"Why are you blank?","start":2155.78,"end":2156.82,"sentiment":"negative","sentiment_score":-0.3965490832924843},{"text":"You're not blank.","start":2156.82,"end":2157.72,"sentiment":"negative","sentiment_score":-0.4126542309919993},{"text":"You're just pretending to be blank.","start":2157.78,"end":2159.3,"sentiment":"neutral","sentiment_score":-0.282622496287028}],"sentiment":"neutral","sentiment_score":-0.049508192110806704,"num_words":48,"start":2137.81,"end":2159.3},{"sentences":[{"text":"Cool.","start":2159.3,"end":2159.78,"sentiment":"neutral","sentiment_score":0.32611531019210815},{"text":"I'm gonna keep talking.","start":2159.78,"end":2160.66,"sentiment":"neutral","sentiment_score":0.16227314621210098},{"text":"I know what the document says, but I'm gonna assume that I'm saying it in the right order.","start":2160.66,"end":2165.24,"sentiment":"neutral","sentiment_score":0.09948580546511544},{"text":"So what I wanna do after we essentially sell the property and pay the capital gains and deal with everything is just finalize your financial position.","start":2167.375,"end":2179.635,"sentiment":"neutral","sentiment_score":0.1970487173933249},{"text":"So that is a matter of looking at where where we get our cash flow from and what we do with everything moving forward because you guys will have no mortgages overhead and everything will need to get basically refreshed.","start":2180.25,"end":2198.575,"sentiment":"neutral","sentiment_score":0.29869565796107056}],"sentiment":"neutral","sentiment_score":0.22288815015822314,"num_words":89,"start":2159.3,"end":2198.575},{"sentences":[{"text":"So what I wanna do is I wanna refresh our pensions and get everything up and running.","start":2199.5151,"end":2206.2551,"sentiment":"positive","sentiment_score":0.41959653356496024},{"text":"So, Helen, yours will be I believe it is Helen's note.","start":2206.89,"end":2215.69,"sentiment":"neutral","sentiment_score":0.11920238739218224},{"text":"But anyway, what I wanna do is is basically take Helen's account and merge them into one and create just a full straight up pension account.","start":2215.69,"end":2225.6948,"sentiment":"neutral","sentiment_score":0.21238249425704664},{"text":"It'll be it's what's called an allocated pension, so you will be in the same position Paul's in.","start":2226.555,"end":2230.4949,"sentiment":"positive","sentiment_score":0.3711730026536518},{"text":"Hold for you, what actually happens on the sale of the house is we open up a brand new accumulation fund to put that $100,000 downsize of contribution in, and then we reamalgamate the money back into one account.","start":2230.875,"end":2244.8298,"sentiment":"neutral","sentiment_score":0.21357116141380408}],"sentiment":"neutral","sentiment_score":0.2610513650946453,"num_words":111,"start":2199.5151,"end":2244.8298},{"sentences":[{"text":"So it'll all happen from a back end point of view.","start":2245.13,"end":2246.8098,"sentiment":"neutral","sentiment_score":0.23367342217402023},{"text":"The only thing you're gonna see is I'm gonna be sending you applications left, right, and center, and I'm just gonna go say sign this.","start":2246.8098,"end":2252.0352,"sentiment":"neutral","sentiment_score":0.15405114680528642},{"text":"It's for this part of the advice.","start":2252.0352,"end":2253.575,"sentiment":"neutral","sentiment_score":0.14398007733481272},{"text":"Because all of these stages, they're all gonna need applications at the time that we triggered the the, like, the the stage.","start":2255.7952,"end":2264.215,"sentiment":"neutral","sentiment_score":0.06681552952663465},{"text":"Not it's not like I can send everything to you now bulk and get you guys to sign off on it all over the next nine months.","start":2264.7551,"end":2270.9802,"sentiment":"neutral","sentiment_score":-0.06710588923413996}],"sentiment":"neutral","sentiment_score":0.07703945103972017,"num_words":92,"start":2245.13,"end":2270.9802},{"sentences":[{"text":"Of course not.","start":2272.0,"end":2272.6401,"sentiment":"neutral","sentiment_score":-0.08972462639212608},{"text":"That would be too easy.","start":2272.6401,"end":2273.86,"sentiment":"neutral","sentiment_score":-0.06008147299289703},{"text":"You do.","start":2278.7202,"end":2279.2002,"sentiment":"neutral","sentiment_score":0.04926606826484203},{"text":"I know you do.","start":2279.2002,"end":2280.26,"sentiment":"neutral","sentiment_score":0.07546848338097334},{"text":"Yes.","start":2283.625,"end":2284.125,"sentiment":"neutral","sentiment_score":0.07996426522731781}],"sentiment":"neutral","sentiment_score":-0.005947393923997879,"num_words":15,"start":2272.0,"end":2284.125},{"sentences":[{"text":"Nope.","start":2298.35,"end":2298.85,"sentiment":"neutral","sentiment_score":-0.22291314601898193},{"text":"Trust me.","start":2299.55,"end":2300.03,"sentiment":"neutral","sentiment_score":-0.25913091003894806},{"text":"I know all about it because we both talked about it, and I told you you paid premium.","start":2300.03,"end":2303.9702,"sentiment":"neutral","sentiment_score":-0.10372461958063973},{"text":"I I didn't include this I didn't include the the payment from The UK to here.","start":2306.4302,"end":2312.425,"sentiment":"neutral","sentiment_score":-0.1445589903742075},{"text":"A, there there's there's a couple of different layers.","start":2313.0452,"end":2318.105,"sentiment":"neutral","sentiment_score":-0.02937046272887124}],"sentiment":"neutral","sentiment_score":-0.11272817671946857,"num_words":46,"start":2298.35,"end":2318.105},{"sentences":[{"text":"A, whether you intend on keeping the money in The UK so that way when you, like, go and visit family, it's available to you there rather than paying the transfer cost.","start":2318.405,"end":2328.9102,"sentiment":"neutral","sentiment_score":0.06741303816670552},{"text":"And b, it doesn't work the same as the pensions here in Australia.","start":2330.6501,"end":2334.9102,"sentiment":"neutral","sentiment_score":-0.17439839702386123},{"text":"So the amount that you get paid from it changes.","start":2335.29,"end":2338.11,"sentiment":"neutral","sentiment_score":-0.09723327681422234},{"text":"So what I've allocated that money to because, basically, I've estimated based on where it currently fits and what it's doing at the moment because I told you to do the top up additional payments.","start":2338.605,"end":2348.545,"sentiment":"neutral","sentiment_score":-0.032286850522671426},{"text":"It's not acceptable until you're 67, a, but, b, it's gonna be about $350 a week, which is about $18 a year.","start":2349.645,"end":2358.71,"sentiment":"neutral","sentiment_score":-0.06637936906719749}],"sentiment":"neutral","sentiment_score":-0.03279179103472935,"num_words":112,"start":2318.405,"end":2358.71},{"sentences":[{"text":"And what that's gonna do with that, that's just gonna, at 67, give you a little bit more of a of a boost to your income and allow you to go on a little bit more extravagant holidays and stuff like that.","start":2359.81,"end":2370.675,"sentiment":"neutral","sentiment_score":0.3286001501338823},{"text":"So it's you cash flow wise, you guys are so fine.","start":2371.0552,"end":2374.435,"sentiment":"positive","sentiment_score":0.5155736722729423},{"text":"Like, honestly, so fine.","start":2375.5352,"end":2376.735,"sentiment":"positive","sentiment_score":0.4699724540114403},{"text":"By the time you hit 67, you'll basically be on about a $100 a year because of the The UK pension.","start":2376.735,"end":2383.7,"sentiment":"neutral","sentiment_score":0.25316104221911656},{"text":"It is in the document.","start":2383.76,"end":2384.98,"sentiment":"neutral","sentiment_score":0.11503943353891373}],"sentiment":"neutral","sentiment_score":0.32824079001165296,"num_words":83,"start":2359.81,"end":2384.98},{"sentences":[{"text":"I've included a statement there.","start":2385.12,"end":2386.72,"sentiment":"neutral","sentiment_score":0.13610004186630248},{"text":"It's on page 70, which well, I'm nowhere near yet.","start":2386.72,"end":2390.72,"sentiment":"neutral","sentiment_score":0.06627916693687438},{"text":"But, anyway, I'll go back up.","start":2390.72,"end":2392.4202,"sentiment":"neutral","sentiment_score":0.008624700674166283},{"text":"Oh, that big.","start":2399.615,"end":2400.435,"sentiment":"neutral","sentiment_score":-0.008043614526589712},{"text":"Dang.","start":2400.895,"end":2401.395,"sentiment":"neutral","sentiment_score":-0.1331389844417572}],"sentiment":"neutral","sentiment_score":0.04951081018894911,"num_words":25,"start":2385.12,"end":2401.395},{"sentences":[{"text":"No.","start":2402.095,"end":2402.335,"sentiment":"neutral","sentiment_score":-0.14412817358970642},{"text":"You're so fine.","start":2402.335,"end":2403.2148,"sentiment":"neutral","sentiment_score":0.08250296053787072},{"text":"You're so fine.","start":2403.2148,"end":2404.275,"sentiment":"positive","sentiment_score":0.3610171675682068},{"text":"So well, bye bye.","start":2405.4548,"end":2407.9548,"sentiment":"positive","sentiment_score":0.3433982878923416},{"text":"Cool.","start":2409.03,"end":2409.27,"sentiment":"positive","sentiment_score":0.43478408455848694}],"sentiment":"neutral","sentiment_score":0.24956745390469828,"num_words":12,"start":2402.095,"end":2409.27},{"sentences":[{"text":"There.","start":2409.27,"end":2409.77,"sentiment":"neutral","sentiment_score":0.27572885155677795},{"text":"So we're selling the property.","start":2410.6301,"end":2412.1702,"sentiment":"neutral","sentiment_score":0.2959052801132202},{"text":"Because we sell the property, we're freeing up about $60 a year because we're no longer having to deal with the property cost, and we are going to pop some money into the super funds, pay off all the mortgages, and be debt free and happy.","start":2413.51,"end":2430.105,"sentiment":"positive","sentiment_score":0.5370434567980145},{"text":"We have about $370 left over at the end of it all from the property sale offset, everything like that.","start":2430.885,"end":2438.98,"sentiment":"positive","sentiment_score":0.4600816577672958},{"text":"And then what we need to do is we need to commence an account based pension for Helen.","start":2440.4,"end":2446.3198,"sentiment":"neutral","sentiment_score":0.1464106037488414}],"sentiment":"positive","sentiment_score":0.4255142031961845,"num_words":90,"start":2409.27,"end":2446.3198},{"sentences":[{"text":"So what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax free.","start":2446.3198,"end":2461.155,"sentiment":"neutral","sentiment_score":0.15534820672004454},{"text":"So what's gonna happen is we're no longer gonna need need to deal with with any of the the pesky tax stuff.","start":2461.155,"end":2466.8,"sentiment":"neutral","sentiment_score":0.06138907152820717},{"text":"But we look.","start":2466.8,"end":2467.52,"sentiment":"neutral","sentiment_score":0.1237020989259084},{"text":"We still do.","start":2467.52,"end":2468.08,"sentiment":"neutral","sentiment_score":0.22093803187211355},{"text":"Don't worry about it.","start":2468.08,"end":2468.6401,"sentiment":"neutral","sentiment_score":0.28452524170279503}],"sentiment":"neutral","sentiment_score":0.1323551641451934,"num_words":63,"start":2446.3198,"end":2468.6401},{"sentences":[{"text":"But it's not gonna be the headache that it currently is for you both, having to deal with the investment property, having to deal with, you know, getting valuations and all the rest of the rigmarole.","start":2468.6401,"end":2478.82,"sentiment":"neutral","sentiment_score":0.08079403556055492},{"text":"It's gonna be pretty down the line.","start":2480.225,"end":2483.205,"sentiment":"neutral","sentiment_score":0.06786171612995011},{"text":"Now you're pulling a little bit over the minimum for your account.","start":2488.625,"end":2491.825,"sentiment":"neutral","sentiment_score":0.07197933581968148},{"text":"So because you are under 65 by the time we start this, your account minimum is 4%, which based on the account balance you'll have at that time would be about $22,500.","start":2491.825,"end":2505.13,"sentiment":"neutral","sentiment_score":0.08618243935052305},{"text":"We're pulling a little bit over that.","start":2506.8699,"end":2508.675,"sentiment":"neutral","sentiment_score":0.0683692672422954}],"sentiment":"neutral","sentiment_score":0.07961481120041076,"num_words":94,"start":2468.6401,"end":2508.675},{"sentences":[{"text":"We're setting a specific amount because it's what you guys need cash flow wise, not anything else.","start":2508.7551,"end":2513.975,"sentiment":"neutral","sentiment_score":0.10411863511099535},{"text":"Now what I've done is I've done a bit of a table to show where like, how the money kind of will trickle feed through, page 48.","start":2516.195,"end":2529.61,"sentiment":"neutral","sentiment_score":0.04295689260794057},{"text":"So how your account balance migrates moves and eventually by the time we're sort of sixty two sixty three, that account is actually gonna sort of be exhausted.","start":2531.83,"end":2540.855,"sentiment":"neutral","sentiment_score":-0.026763017755001783},{"text":"Sorry.","start":2542.7551,"end":2542.995,"sentiment":"neutral","sentiment_score":-0.05018382519483566},{"text":"62 sorry.","start":2542.995,"end":2543.715,"sentiment":"neutral","sentiment_score":-0.02767121233046055}],"sentiment":"neutral","sentiment_score":0.02766616200407346,"num_words":75,"start":2508.7551,"end":2543.715},{"sentences":[{"text":"9092939293.","start":2543.715,"end":2545.875,"sentiment":"neutral","sentiment_score":-0.005379853304475546},{"text":"Sorry.","start":2545.875,"end":2546.275,"sentiment":"neutral","sentiment_score":-0.05025102943181992},{"text":"Sorry.","start":2546.275,"end":2546.775,"sentiment":"neutral","sentiment_score":-0.06786685436964035},{"text":"Get my numbers right.","start":2547.92,"end":2549.14,"sentiment":"neutral","sentiment_score":-0.0229434953071177},{"text":"That account will be exhausted.","start":2552.48,"end":2553.8599,"sentiment":"neutral","sentiment_score":-0.0341341495513916}],"sentiment":"neutral","sentiment_score":-0.03216187217428038,"num_words":12,"start":2543.715,"end":2553.8599},{"sentences":[{"text":"You have a slightly lower starting balance than what Paul does, but it's okay.","start":2554.72,"end":2558.96,"sentiment":"neutral","sentiment_score":-0.08578636018293244},{"text":"Paul Paul is gonna fold this through for us.","start":2558.96,"end":2561.2798,"sentiment":"neutral","sentiment_score":0.1882024829586347},{"text":"That's right.","start":2561.2798,"end":2561.865,"sentiment":"neutral","sentiment_score":0.33190682530403137},{"text":"And we have a a cute another little savings account on the side anyway.","start":2562.425,"end":2565.565,"sentiment":"positive","sentiment_score":0.5021114136491504},{"text":"So it gives longevity.","start":2566.985,"end":2568.765,"sentiment":"positive","sentiment_score":0.5560376793146133}],"sentiment":"neutral","sentiment_score":0.242100871233053,"num_words":43,"start":2554.72,"end":2568.765},{"sentences":[{"text":"We have plenty of income coming in to support you in terms of of income, and that's only half of our income need.","start":2569.545,"end":2576.845,"sentiment":"positive","sentiment_score":0.4477220048075137},{"text":"If we scroll down past all the risks, warnings, advantages, and disadvantages, we come to polls where, basically, for poll, do the same thing where we merge all the accounts through a refresh because we'll have those two accounts open.","start":2577.32,"end":2594.405,"sentiment":"neutral","sentiment_score":0.13549365266226232},{"text":"We merge both the accounts back together again and restart the account.","start":2595.905,"end":2599.845,"sentiment":"neutral","sentiment_score":0.16082931123673916},{"text":"Oh, that's cute.","start":2603.1099,"end":2605.6099,"sentiment":"positive","sentiment_score":0.7214809656143188},{"text":"The opening balance on the account at that time will be $9.89 because we will have over the last nine months drawn down a little bit of money and then popped a $100,000 into the account from that property sale.","start":2605.91,"end":2620.145,"sentiment":"neutral","sentiment_score":0.12665333626791836}],"sentiment":"neutral","sentiment_score":0.21082949406325313,"num_words":118,"start":2569.545,"end":2620.145},{"sentences":[{"text":"The account balance will be sitting up at $9.89, and then the intention is to draw $37,500 from that account as well.","start":2620.365,"end":2629.36,"sentiment":"neutral","sentiment_score":0.14248945225368848},{"text":"That gives us the $75,000 that from the budget that you guys sent is what you guys need.","start":2629.9802,"end":2639.82,"sentiment":"neutral","sentiment_score":0.15489868612753022},{"text":"So, obviously, less than mortgage pay repayments.","start":2639.82,"end":2642.4802,"sentiment":"neutral","sentiment_score":-0.05629501571612699},{"text":"Your budget is 75,000.","start":2643.555,"end":2645.155,"sentiment":"neutral","sentiment_score":-0.017931394861079752},{"text":"It was short of 75,000, but I gave us a little bit of a buffer.","start":2645.155,"end":2648.775,"sentiment":"neutral","sentiment_score":0.0006799870481093724}],"sentiment":"neutral","sentiment_score":0.08283868812335034,"num_words":66,"start":2620.365,"end":2648.775},{"sentences":[{"text":"If you guys want more, we can definitely accommodate more.","start":2648.915,"end":2651.895,"sentiment":"neutral","sentiment_score":0.15970856454223395},{"text":"It's not gonna be an issue.","start":2653.155,"end":2654.435,"sentiment":"neutral","sentiment_score":0.18366445476810137},{"text":"And, obviously, once you guys do settle into retirement life, you may realize that the budget might not fit, might need a little bit of adjustment, and we can adjust and pivot where needed.","start":2654.435,"end":2663.1602,"sentiment":"neutral","sentiment_score":-0.03569935547078357},{"text":"We have plenty of room to do so.","start":2663.1602,"end":2664.9402,"sentiment":"neutral","sentiment_score":0.13211404904723167},{"text":"So for Paul's, as you can see, the account's still going at 98.","start":2666.12,"end":2669.6602,"sentiment":"neutral","sentiment_score":0.10688486122168027}],"sentiment":"neutral","sentiment_score":0.055376195440619766,"num_words":71,"start":2648.915,"end":2669.6602},{"sentences":[{"text":"We're pretty good.","start":2671.32,"end":2672.4602,"sentiment":"positive","sentiment_score":0.41905877987543744},{"text":"That's that's in a stress.","start":2672.76,"end":2673.9802,"sentiment":"negative","sentiment_score":-0.3758969843387604},{"text":"Now because we are we're gonna have $370,000 at the end of the sale of the property and the distribution of funds to pay the mortgages and all the other bits and pieces and everything.","start":2680.4648,"end":2697.3699,"sentiment":"neutral","sentiment_score":0.03799036552331277},{"text":"What I wanna do is I actually wanna pop that money into a investment account for you both.","start":2697.5898,"end":2702.655,"sentiment":"neutral","sentiment_score":0.23556635114881727},{"text":"It'll be in joint names.","start":2702.815,"end":2704.115,"sentiment":"neutral","sentiment_score":0.1406083583831787}],"sentiment":"neutral","sentiment_score":0.08561500490671306,"num_words":66,"start":2671.32,"end":2704.115},{"sentences":[{"text":"It'll be connected to your hub twenty four super fund, but it is an investment account.","start":2704.175,"end":2707.875,"sentiment":"neutral","sentiment_score":0.09923463244922459},{"text":"Now while there is consideration for the fact that an investment account can incur tax when we sell it.","start":2711.7751,"end":2719.04,"sentiment":"neutral","sentiment_score":-0.16747681482842094},{"text":"The majority of your income stream is gonna come from your superannuation funds.","start":2719.98,"end":2725.2,"sentiment":"neutral","sentiment_score":0.022582937605105914},{"text":"And if we ever do sell down on the investment there, a, it's in joint names, and b, I wouldn't anticipate that you guys are gonna need to sell down on an exuberant amount of money.","start":2725.58,"end":2734.925,"sentiment":"neutral","sentiment_score":-0.07309504205154048},{"text":"So the tax implications are gonna be minimal to not there.","start":2735.305,"end":2738.285,"sentiment":"neutral","sentiment_score":-0.16699101369489322}],"sentiment":"neutral","sentiment_score":-0.06072684040195064,"num_words":95,"start":2704.175,"end":2738.285},{"sentences":[{"text":"Because unless you guys are anticipating, you know, turning around and being like, we need a $100,000 and we wanna take it from there.","start":2741.065,"end":2747.21,"sentiment":"neutral","sentiment_score":0.0006490652449429041},{"text":"If that's the case, you've earned $50,000.","start":2747.4302,"end":2749.4302,"sentiment":"neutral","sentiment_score":0.02656653629881995},{"text":"$50,000 tax is basically equivalent to about $5 worth of tax, call it, just to keep around.","start":2749.4302,"end":2757.435,"sentiment":"neutral","sentiment_score":-0.0065054731333957},{"text":"So we're not gonna be paying an exuberant amount of tax if we do have to liquidate that that asset, and it just adds a little bit of spice to it all.","start":2758.715,"end":2768.2551,"sentiment":"neutral","sentiment_score":0.0047730698715895414},{"text":"The other consideration was that we could pop majority of it into Helen's Superfund under non concessional.","start":2768.7952,"end":2777.51,"sentiment":"neutral","sentiment_score":0.1840184523778803}],"sentiment":"neutral","sentiment_score":0.03476290930945849,"num_words":97,"start":2741.065,"end":2777.51},{"sentences":[{"text":"But what I do wanna do moving forward is in sort of twelve months, two years, after everything settles for you guys and we sell the property and we have everything done and everything's kosher, is I do and it's not included in this advice document, I'll be clear, because I didn't wanna overload you, but I'm talking about it anyway, is do what's called a a recontribution strategy where where which is where we basically take money out of the account, pop it into an IDPS for a day, and then pop it back into the super fund.","start":2778.21,"end":2811.5598,"sentiment":"neutral","sentiment_score":0.18841987742920113},{"text":"And what that does is it converts the funds into a tax free benefit.","start":2811.5598,"end":2819.915,"sentiment":"positive","sentiment_score":0.3353804520198277},{"text":"Now the benefit of that is is whilst I know that you guys are beneficiaries for each other, if anything happens to the other one and then the money that you have in the Superfund for example, if something happens to Helen and she passes away, because Paul has the highest benefit there, the the benefit that would then be paid to the secondary beneficiary would be taxed on the taxable component, which is the most which which which is quite a high amount.","start":2820.5352,"end":2850.6948,"sentiment":"neutral","sentiment_score":0.08905532583594322},{"text":"So what I wanna do is I wanna start trying to get to the point where we can kind of get you guys into a little bit more of a tax effective position.","start":2850.6948,"end":2857.8398,"sentiment":"positive","sentiment_score":0.39331436518466834}],"sentiment":"neutral","sentiment_score":0.1904735461525295,"num_words":230,"start":2778.21,"end":2857.8398},{"sentences":[{"text":"Sorry.","start":2858.0598,"end":2858.5598,"sentiment":"neutral","sentiment_score":0.02934005856513977},{"text":"A little bit more of a tax effective position inside the super fund.","start":2860.8599,"end":2863.98,"sentiment":"neutral","sentiment_score":0.12914645213347214},{"text":"So I don't wanna go eating into the non concessional contribution amount inside your super funds with this 350,000 because I wanna try and get the amount that you have in your super fund to a tax free bit.","start":2863.98,"end":2880.025,"sentiment":"neutral","sentiment_score":0.06753060049735583},{"text":"But while we're doing all of the sell the property and everything like that, I just don't wanna overload it, and it's gonna be a we touch on next year once we know what the property sale and everything looks like.","start":2881.1199,"end":2891.44,"sentiment":"neutral","sentiment_score":0.010618694058460434},{"text":"Because if the market goes for a boom down in Sydney all of a sudden look.","start":2891.44,"end":2895.415,"sentiment":"neutral","sentiment_score":0.011932684341445565}],"sentiment":"neutral","sentiment_score":0.045165697832337835,"num_words":110,"start":2858.0598,"end":2895.415},{"sentences":[{"text":"Not anticipating it doing so.","start":2895.415,"end":2897.275,"sentiment":"neutral","sentiment_score":-0.05183933898806572},{"text":"But who knows?","start":2898.4548,"end":2900.7148,"sentiment":"neutral","sentiment_score":-0.024553580209612846},{"text":"If it does go through a boom or something happens, I just wanna have room to move and and wiggle, and we can we can add pieces of advice to this quite easily.","start":2901.095,"end":2913.98,"sentiment":"neutral","sentiment_score":0.02135867927449219},{"text":"Not easily, but we can we can add to this.","start":2914.5999,"end":2917.02,"sentiment":"neutral","sentiment_score":0.03555290512740612},{"text":"It's a lot easier than taking away from it.","start":2917.5598,"end":2919.9,"sentiment":"neutral","sentiment_score":0.07178599884112676}],"sentiment":"neutral","sentiment_score":0.022893033688887954,"num_words":60,"start":2895.415,"end":2919.9},{"sentences":[{"text":"That's what it is down.","start":2921.48,"end":2922.6199,"sentiment":"neutral","sentiment_score":0.007186906412243843},{"text":"So investments are pretty much really, really similar to what you guys already hold.","start":2924.975,"end":2930.5151,"sentiment":"neutral","sentiment_score":0.18608802450554712},{"text":"It's a a bit of a a move through a lot of the assets that you guys already have in.","start":2931.135,"end":2936.835,"sentiment":"neutral","sentiment_score":0.10532857459038496},{"text":"I've doubled up on the last three, but anyway, it's the same assets as what you guys already hold across some of your your other assets.","start":2938.335,"end":2944.86,"sentiment":"neutral","sentiment_score":0.10424096767718975},{"text":"It's just that it's a little bit different fluidity or the different waiting, and that just gives us a nice cheap overview of the account.","start":2945.32,"end":2957.5652,"sentiment":"neutral","sentiment_score":0.20855433352291583}],"sentiment":"neutral","sentiment_score":0.14079846516251565,"num_words":90,"start":2921.48,"end":2957.5652},{"sentences":[{"text":"I have replicated Helen's risk profile, so a little bit more conservative than what Paul level has been than going to the increase because we don't wanna take risk with this money.","start":2957.5652,"end":2968.7,"sentiment":"neutral","sentiment_score":0.024971016449853778},{"text":"We wanna be pretty chill with it and go from there.","start":2968.7,"end":2972.64,"sentiment":"neutral","sentiment_score":0.03683559494939717},{"text":"Obviously, if we kept it in cash, we'll be sitting at the cash rate.","start":2973.1,"end":2975.92,"sentiment":"neutral","sentiment_score":0.010907459471906935},{"text":"The banks never pay 4%, but for argument's sake, if you were to put it into a term deposit for 4%, you'd be making pretty muchly nothing.","start":2976.14,"end":2985.385,"sentiment":"neutral","sentiment_score":-0.04061159919257517},{"text":"It could be sort of over five years, you'd you'd make not much versus if you if we pop it into the investment, we're looking at more like an eight percent investment return.","start":2986.085,"end":2996.4502,"sentiment":"neutral","sentiment_score":0.11309902144200874}],"sentiment":"neutral","sentiment_score":0.034125837887454234,"num_words":117,"start":2957.5652,"end":2996.4502},{"sentences":[{"text":"I stress tested it as well, and I'm really happy with having this kind of structure to it.","start":2996.4502,"end":3001.83,"sentiment":"positive","sentiment_score":0.6771801561117172},{"text":"And, of course, later down the line, we can always drip feed that money into the super funds later, but I wanna try and focus more on trying to get a lot of the superannuation balance balance into that tax reposition over the next few years rather than push for trickle feeding that money in.","start":3005.2449,"end":3026.5,"sentiment":"neutral","sentiment_score":0.15128067684444516},{"text":"Now Centrelink is totally off the table.","start":3026.5,"end":3029.56,"sentiment":"negative","sentiment_score":-0.5934580436774662},{"text":"Yeah.","start":3033.3,"end":3033.8,"sentiment":"negative","sentiment_score":-0.3391149640083313},{"text":"Yeah.","start":3039.3948,"end":3039.4749,"sentiment":"neutral","sentiment_score":0.0818115621805191}],"sentiment":"neutral","sentiment_score":0.19631915035225997,"num_words":82,"start":2996.4502,"end":3039.4749},{"sentences":[{"text":"Yeah.","start":3039.4749,"end":3039.875,"sentiment":"neutral","sentiment_score":0.1388533115386963},{"text":"It is.","start":3039.875,"end":3040.615,"sentiment":"neutral","sentiment_score":0.18527310341596603},{"text":"But I I I did the research, so I popped it in for you anyway just so you could have a look at where it sits and just give you a kind of a bit of a rundown.","start":3040.835,"end":3049.265,"sentiment":"neutral","sentiment_score":0.09926613881007622},{"text":"So based on all the strategies today, Centrelink's on the table.","start":3050.74,"end":3055.24,"sentiment":"neutral","sentiment_score":0.19709044220772656},{"text":"These are all the assets you kind of hold.","start":3055.38,"end":3057.72,"sentiment":"neutral","sentiment_score":0.14052117947075102}],"sentiment":"neutral","sentiment_score":0.12646226676516845,"num_words":61,"start":3039.4749,"end":3057.72},{"sentences":[{"text":"Obviously, if you upload some of the assets, we can look at what we do with it.","start":3058.5798,"end":3061.8599,"sentiment":"neutral","sentiment_score":0.13939191795447292},{"text":"So if we do end up selling, you know, boat two, motorcycle, and the other car, we could look at maybe popping that money into that investment account in the future and or it's holiday money.","start":3061.8599,"end":3077.11,"sentiment":"neutral","sentiment_score":0.1053302042807142},{"text":"I know that you guys wanted to go to Italy.","start":3077.11,"end":3079.05,"sentiment":"neutral","sentiment_score":0.04467464350163937},{"text":"Italy?","start":3080.55,"end":3081.05,"sentiment":"neutral","sentiment_score":0.03797557204961777},{"text":"It was yeah.","start":3081.19,"end":3081.83,"sentiment":"neutral","sentiment_score":0.04057923456033071}],"sentiment":"neutral","sentiment_score":0.10101506970266798,"num_words":67,"start":3058.5798,"end":3081.83},{"sentences":[{"text":"It is Italy.","start":3081.83,"end":3082.65,"sentiment":"neutral","sentiment_score":0.029856123651067417},{"text":"Sorry.","start":3083.51,"end":3083.83,"sentiment":"neutral","sentiment_score":-0.04720262438058853},{"text":"All of my clients are traveling at the moment.","start":3083.83,"end":3085.59,"sentiment":"neutral","sentiment_score":-0.18220972186989254},{"text":"It's actually really difficult because I'm not.","start":3085.59,"end":3088.09,"sentiment":"negative","sentiment_score":-0.37112304994038176},{"text":"So I know.","start":3090.5652,"end":3092.405,"sentiment":"neutral","sentiment_score":-0.26673761010169983}],"sentiment":"neutral","sentiment_score":-0.21719982304974741,"num_words":23,"start":3081.83,"end":3092.405},{"sentences":[{"text":"It's sad.","start":3092.405,"end":3093.0652,"sentiment":"negative","sentiment_score":-0.3716975152492523},{"text":"So I know you guys want to go to Italy.","start":3093.5251,"end":3095.385,"sentiment":"neutral","sentiment_score":-0.1344207778573036},{"text":"You'll kind of notice there's $20,000 from the house sale that's not accounted for.","start":3095.605,"end":3099.2852,"sentiment":"neutral","sentiment_score":-0.1845593207648822},{"text":"You currently have the liquid funds to be able to do it sitting in the offset, so it is achievable for you guys to do anyway.","start":3099.2852,"end":3105.74,"sentiment":"neutral","sentiment_score":0.017992216234023754},{"text":"It's it's more of a permission piece, I guess, for me saying, yes.","start":3106.0398,"end":3109.48,"sentiment":"neutral","sentiment_score":0.2214964490670424}],"sentiment":"neutral","sentiment_score":-0.02037202830498035,"num_words":65,"start":3092.405,"end":3109.48},{"sentences":[{"text":"You can go to Italy.","start":3109.48,"end":3110.2798,"sentiment":"positive","sentiment_score":0.33953486680984496},{"text":"It's not going to affect you.","start":3110.2798,"end":3111.64,"sentiment":"neutral","sentiment_score":0.3304306889573733},{"text":"You can quite comfortably travel travel there.","start":3111.64,"end":3113.5598,"sentiment":"positive","sentiment_score":0.4982044185910906},{"text":"You can go and do the trip you wanna do, and it's not gonna be an issue.","start":3113.5598,"end":3117.7249,"sentiment":"positive","sentiment_score":0.46726093397421},{"text":"Look.","start":3118.505,"end":3118.825,"sentiment":"neutral","sentiment_score":0.27736544609069824}],"sentiment":"positive","sentiment_score":0.42745807559953797,"num_words":36,"start":3109.48,"end":3118.825},{"sentences":[{"text":"Liquidating assets, the the motorcycle, boat, car would definitely fund the trip.","start":3118.825,"end":3124.605,"sentiment":"positive","sentiment_score":0.35432416448990506},{"text":"House sale gives you a little bit more sitting there.","start":3124.7449,"end":3127.325,"sentiment":"neutral","sentiment_score":0.028506102599203588},{"text":"It's it's not not gonna be an issue for you guys to do that travel.","start":3128.76,"end":3132.1401,"sentiment":"neutral","sentiment_score":0.06082051321864128},{"text":"Now essentially speaking, joint wise, nonfinancial asset as it currently stands, we have 209.","start":3134.52,"end":3140.86,"sentiment":"neutral","sentiment_score":0.025602293932544335},{"text":"Property is excluded from that and on top of it after we obviously sell the investment property.","start":3141.2751,"end":3146.655,"sentiment":"neutral","sentiment_score":-0.013882606783333947}],"sentiment":"neutral","sentiment_score":0.08193656614543322,"num_words":68,"start":3118.825,"end":3146.655},{"sentences":[{"text":"By the time we pay everything down, do all the strategies we wanna do, we'll have sort of $370,000 sitting in cash remaining.","start":3148.955,"end":3156.2224,"sentiment":"neutral","sentiment_score":0.057276133933792946},{"text":"Obviously, we're investing 350 of that.","start":3156.2224,"end":3159.0376,"sentiment":"neutral","sentiment_score":0.06726661200324695},{"text":"And your contribution your superannuation funds after we do all the contributions, we'll be sitting at about 1.5 mil combined.","start":3159.0376,"end":3166.545,"sentiment":"neutral","sentiment_score":0.05875546354800463},{"text":"What we're gonna do is obviously do those pension accounts for both of you, which means that combined, we have $2,884.60 being paid between the two accounts per fortnight into bank accounts, into your bank accounts, which gives you everything we need from there.","start":3167.825,"end":3191.59,"sentiment":"neutral","sentiment_score":0.08568986920131878},{"text":"And then from there, basically, I've just done a joint drawdown strategy to show you based on your ages, based on the total capital of the balance, in this calculation, which is done off a conservative interest.","start":3194.0652,"end":3209.9102,"sentiment":"neutral","sentiment_score":0.08276450039969908}],"sentiment":"neutral","sentiment_score":0.07483615987002849,"num_words":130,"start":3148.955,"end":3209.9102},{"sentences":[{"text":"What the drawdowns would be, fees associated with the account across the years, how it operates, how it runs, and basically when we run out of money and or not, which is and or not because we don't.","start":3211.73,"end":3223.155,"sentiment":"neutral","sentiment_score":-0.00873897912127799},{"text":"Sorry.","start":3226.5151,"end":3227.0151,"sentiment":"neutral","sentiment_score":-0.14560189843177795},{"text":"Yeah.","start":3228.035,"end":3228.5151,"sentiment":"neutral","sentiment_score":-0.06792105734348297},{"text":"Not '98.","start":3228.5151,"end":3229.575,"sentiment":"neutral","sentiment_score":-0.10536327958106995},{"text":"Yeah.","start":3229.795,"end":3230.035,"sentiment":"neutral","sentiment_score":0.044017449021339417}],"sentiment":"neutral","sentiment_score":-0.01656542494243314,"num_words":43,"start":3211.73,"end":3230.035},{"sentences":[{"text":"Ninety eight's doing good.","start":3230.035,"end":3231.335,"sentiment":"neutral","sentiment_score":0.24939492344856262},{"text":"Doing real good.","start":3231.475,"end":3232.535,"sentiment":"positive","sentiment_score":0.4364643196264903},{"text":"Now in this strategy sorry?","start":3237.24,"end":3240.7,"sentiment":"neutral","sentiment_score":-0.0002185588702559471},{"text":"Damn.","start":3247.08,"end":3247.56,"sentiment":"neutral","sentiment_score":0.06921102106571198},{"text":"Well done.","start":3247.56,"end":3248.38,"sentiment":"neutral","sentiment_score":0.18088398873806}],"sentiment":"neutral","sentiment_score":0.1824572571242849,"num_words":15,"start":3230.035,"end":3248.38},{"sentences":[{"text":"Wow.","start":3250.76,"end":3251.26,"sentiment":"positive","sentiment_score":0.36157071590423584},{"text":"That is amazing, actually.","start":3251.32,"end":3254.205,"sentiment":"positive","sentiment_score":0.504740908741951},{"text":"I my my aunt, by not blood, you know, how you have those family members that are friends, but my aunt, her grandmother, 92 oh, sorry.","start":3254.265,"end":3265.545,"sentiment":"neutral","sentiment_score":0.08262554505983224},{"text":"102.","start":3265.545,"end":3266.525,"sentiment":"neutral","sentiment_score":0.05756006762385368},{"text":"Yeah.","start":3268.5898,"end":3268.91,"sentiment":"neutral","sentiment_score":0.2126678228378296}],"sentiment":"neutral","sentiment_score":0.14542504281482913,"num_words":33,"start":3250.76,"end":3268.91},{"sentences":[{"text":"Her hundredth birthday was amazing.","start":3268.91,"end":3270.99,"sentiment":"positive","sentiment_score":0.3789746448397636},{"text":"Watching her neck half a bottle of wine was impressive, actually.","start":3270.99,"end":3274.69,"sentiment":"positive","sentiment_score":0.7146739742972634},{"text":"Just goes to show.","start":3276.27,"end":3277.49,"sentiment":"neutral","sentiment_score":0.2691084071993828},{"text":"But you gotta yeah.","start":3277.71,"end":3278.67,"sentiment":"neutral","sentiment_score":0.07668967358767986},{"text":"You gotta drink your fruit.","start":3278.67,"end":3279.97,"sentiment":"neutral","sentiment_score":0.10570618584752083}],"sentiment":"positive","sentiment_score":0.4023451790984335,"num_words":29,"start":3268.91,"end":3279.97},{"sentences":[{"text":"Yes.","start":3289.715,"end":3290.195,"sentiment":"neutral","sentiment_score":0.035236336290836334},{"text":"So if Paul does do that, look, it doesn't change anything drastically.","start":3290.195,"end":3294.6152,"sentiment":"neutral","sentiment_score":0.01844603397573034},{"text":"It'll be a matter of Paul giving me a call and saying, hey.","start":3296.57,"end":3298.97,"sentiment":"neutral","sentiment_score":0.017492222528044995},{"text":"I have decided to go back to work.","start":3298.97,"end":3300.83,"sentiment":"neutral","sentiment_score":-0.021166675025597215},{"text":"In this document, in the in the all of the outcome wordings and stuff like that, I did address it a little bit.","start":3301.21,"end":3308.205,"sentiment":"neutral","sentiment_score":0.012870111786153006}],"sentiment":"neutral","sentiment_score":0.01071345276738468,"num_words":57,"start":3289.715,"end":3308.205},{"sentences":[{"text":"If Paul decides to go to work, I can't account for that until I know that a, Paul is gonna go to work.","start":3308.7651,"end":3313.405,"sentiment":"neutral","sentiment_score":-0.07855844627255978},{"text":"When does Paul go to work?","start":3313.405,"end":3314.685,"sentiment":"neutral","sentiment_score":-0.013600542520483335},{"text":"How much does Paul end up earning?","start":3314.685,"end":3316.3052,"sentiment":"neutral","sentiment_score":-0.009825687323297774},{"text":"Is he working, or did he go and volunteer for VINI's?","start":3316.685,"end":3319.425,"sentiment":"neutral","sentiment_score":-0.0033914392433044586},{"text":"Please volunteer for VINI's.","start":3319.8052,"end":3320.845,"sentiment":"neutral","sentiment_score":-0.006150350323878229}],"sentiment":"neutral","sentiment_score":-0.03959087379660238,"num_words":51,"start":3308.7651,"end":3320.845},{"sentences":[{"text":"No.","start":3320.845,"end":3321.0051,"sentiment":"neutral","sentiment_score":-0.1042679026722908},{"text":"I'm kidding.","start":3321.0051,"end":3321.485,"sentiment":"neutral","sentiment_score":-0.13931139931082726},{"text":"Don't.","start":3321.485,"end":3321.81,"sentiment":"neutral","sentiment_score":-0.13297611474990845},{"text":"Do whatever you want.","start":3321.97,"end":3322.77,"sentiment":"neutral","sentiment_score":-0.12540276162326336},{"text":"That's okay.","start":3322.77,"end":3323.4302,"sentiment":"neutral","sentiment_score":-0.0021465118043124684}],"sentiment":"neutral","sentiment_score":-0.10217708861455321,"num_words":10,"start":3320.845,"end":3323.4302},{"sentences":[{"text":"Yeah.","start":3327.09,"end":3327.4102,"sentiment":"neutral","sentiment_score":0.0365767665207386},{"text":"Do that.","start":3327.4102,"end":3328.1501,"sentiment":"neutral","sentiment_score":0.030099292285740376},{"text":"So It it's it's not an issue if you if you do end up doing it.","start":3329.33,"end":3332.9302,"sentiment":"neutral","sentiment_score":0.06741733360104263},{"text":"You do need to give me a call, though, like, as soon as you know that you're gonna start work.","start":3332.9302,"end":3336.885,"sentiment":"neutral","sentiment_score":-0.020153942890465258},{"text":"Well, the biggest thing is is you're gonna need to call me because you don't have Superfund.","start":3337.905,"end":3342.805,"sentiment":"neutral","sentiment_score":-0.09951900301829857}],"sentiment":"neutral","sentiment_score":-0.01641873607877642,"num_words":56,"start":3327.09,"end":3342.805},{"sentences":[{"text":"You have a pension account, and a pension account can't can't take money in.","start":3343.1848,"end":3347.125,"sentiment":"neutral","sentiment_score":-0.15379844073738372},{"text":"It can only pay money out.","start":3347.4248,"end":3348.6501,"sentiment":"neutral","sentiment_score":-0.16129513829946518},{"text":"So I need you to call me to say, hello.","start":3348.6501,"end":3351.6301,"sentiment":"neutral","sentiment_score":-0.047181342355906965},{"text":"I started a job, and I need someone to put the money.","start":3351.85,"end":3354.27,"sentiment":"neutral","sentiment_score":-0.03579874165977041},{"text":"So we can do that.","start":3355.2102,"end":3355.9302,"sentiment":"neutral","sentiment_score":-0.0015503935515880584}],"sentiment":"neutral","sentiment_score":-0.08574679343307272,"num_words":47,"start":3343.1848,"end":3355.9302},{"sentences":[{"text":"That's fine.","start":3355.9302,"end":3356.6702,"sentiment":"neutral","sentiment_score":0.04925256595015526},{"text":"It's just when you get to it, we'll do it.","start":3357.2102,"end":3359.985,"sentiment":"neutral","sentiment_score":0.05128776468336582},{"text":"And all we'll do is we'll just do little cute refreshes and stuff like that.","start":3360.465,"end":3366.165,"sentiment":"neutral","sentiment_score":0.10040831764539083},{"text":"Your income that's not me.","start":3367.0251,"end":3371.5251,"sentiment":"neutral","sentiment_score":-0.07686076313257217},{"text":"Sounds like you should take your wife to Italy.","start":3382.73,"end":3384.9102,"sentiment":"neutral","sentiment_score":0.09542382922437456}],"sentiment":"neutral","sentiment_score":0.06321995587247174,"num_words":41,"start":3355.9302,"end":3384.9102},{"sentences":[{"text":"Yeah.","start":3410.53,"end":3411.03,"sentiment":"neutral","sentiment_score":-0.00325366435572505},{"text":"No.","start":3411.6501,"end":3412.1501,"sentiment":"neutral","sentiment_score":-0.07533062249422073},{"text":"Yeah.","start":3421.665,"end":3422.145,"sentiment":"neutral","sentiment_score":-0.020483704283833504},{"text":"No.","start":3422.145,"end":3422.385,"sentiment":"neutral","sentiment_score":-0.08320476114749908},{"text":"I know.","start":3422.385,"end":3422.785,"sentiment":"neutral","sentiment_score":-0.10466114059090614}],"sentiment":"neutral","sentiment_score":-0.06526583891051511,"num_words":6,"start":3410.53,"end":3422.785},{"sentences":[{"text":"I know.","start":3422.785,"end":3423.365,"sentiment":"neutral","sentiment_score":-0.06448418833315372},{"text":"Yeah.","start":3450.5352,"end":3450.935,"sentiment":"neutral","sentiment_score":0.034013256430625916},{"text":"Yeah.","start":3450.935,"end":3451.3352,"sentiment":"neutral","sentiment_score":0.06005914881825447},{"text":"Absolutely.","start":3451.3352,"end":3451.8352,"sentiment":"neutral","sentiment_score":0.06611339002847672},{"text":"If you if you wanna if you wanna end up putting like, selling because what?","start":3452.7751,"end":3457.68,"sentiment":"neutral","sentiment_score":-0.0012683756028612455}],"sentiment":"neutral","sentiment_score":0.0006095892284065485,"num_words":20,"start":3422.785,"end":3457.68},{"sentences":[{"text":"The car you're gonna sell is the $15, the second car, not the main car.","start":3457.82,"end":3463.52,"sentiment":"neutral","sentiment_score":-0.02008344791829586},{"text":"So that's like a $10 car.","start":3463.58,"end":3465.26,"sentiment":"neutral","sentiment_score":-0.028744323334346216},{"text":"The boat's about $8, and then the motorcycle's another 10.","start":3465.26,"end":3468.7,"sentiment":"neutral","sentiment_score":-0.007498238375410438},{"text":"So what's that?","start":3468.7,"end":3469.275,"sentiment":"neutral","sentiment_score":-0.02891682709256808},{"text":"$28.","start":3469.275,"end":3469.9949,"sentiment":"neutral","sentiment_score":-0.037923943251371384}],"sentiment":"neutral","sentiment_score":-0.019239270487534148,"num_words":35,"start":3457.82,"end":3469.9949},{"sentences":[{"text":"Probably not gonna be enough for you to actually buy a motor home unless we're buying a really small one.","start":3469.9949,"end":3475.375,"sentiment":"neutral","sentiment_score":-0.15199714684858917},{"text":"Yeah.","start":3477.355,"end":3477.855,"sentiment":"neutral","sentiment_score":0.13842745125293732},{"text":"But theoretically speaking, you could, if you're comfortable to do so with the fact that you're gonna have a little bit extra income, which realistically knowing what your budget looks like, you should be comfortable, you could take out of your offset.","start":3478.2349,"end":3490.41,"sentiment":"neutral","sentiment_score":0.20840718987442197},{"text":"You just need to know and acknowledge the fact that you're gonna start incurring intro like, more interest on your home loan over the next nine months if you do that, but you could definitely expediate it.","start":3490.47,"end":3500.9749,"sentiment":"neutral","sentiment_score":0.10774369074686153},{"text":"And the only reason I say that you could do it now is because I do know that, a, depending on the type of motor home or caravan or whatever that you're going for, prices of for those are increasing and have been quite aggressively.","start":3500.9749,"end":3514.72,"sentiment":"neutral","sentiment_score":-0.03660777575439877}],"sentiment":"neutral","sentiment_score":0.05648795267374351,"num_words":145,"start":3469.9949,"end":3514.72},{"sentences":[{"text":"So sooner rather than later could be a good idea in that in that realm.","start":3516.46,"end":3520.0,"sentiment":"neutral","sentiment_score":0.14285359357794125},{"text":"Me being able to calculate the difference between I could tell you how much like, how much your mortgage is gonna increase and what interest you're gonna incur over the next nine months if you do that, but I don't know how much the motor home's gonna increase over the next nine months.","start":3521.1,"end":3533.115,"sentiment":"neutral","sentiment_score":-0.08240696190381949},{"text":"That is noncalculable.","start":3533.115,"end":3534.175,"sentiment":"negative","sentiment_score":-0.4276760220527649},{"text":"No.","start":3542.96,"end":3543.1199,"sentiment":"neutral","sentiment_score":-0.2523335814476013},{"text":"It's okay.","start":3543.1199,"end":3543.86,"sentiment":"neutral","sentiment_score":-0.16570953652262688}],"sentiment":"neutral","sentiment_score":-0.05529115943087114,"num_words":74,"start":3516.46,"end":3543.86},{"sentences":[{"text":"But, like, realistically, if you if you buy the caravan in between anywhere between now and when you sell the home, it's hunky dory.","start":3544.24,"end":3550.82,"sentiment":"neutral","sentiment_score":-0.22825344372540712},{"text":"The the biggest part is is just probably starting to talk to the real estate towards the end of this year about the fact that, yes, we wanna sell the home, that we don't wanna put it on the market until, like, say, the end of June.","start":3550.96,"end":3566.47,"sentiment":"neutral","sentiment_score":-0.11410911333687762},{"text":"You could put it on the market at the end of June next year.","start":3566.47,"end":3568.55,"sentiment":"neutral","sentiment_score":0.013249052156295096},{"text":"That's not an issue because there's no way you're going to sell it and settle in two weeks.","start":3568.55,"end":3574.1702,"sentiment":"neutral","sentiment_score":-0.09315816043979591},{"text":"And if and if someone comes to you and says, yeah.","start":3574.3901,"end":3576.3901,"sentiment":"neutral","sentiment_score":-0.0660138272426345}],"sentiment":"neutral","sentiment_score":-0.11455020380386136,"num_words":114,"start":3544.24,"end":3576.3901},{"sentences":[{"text":"We're gonna buy it, settle it cash in in a week, you go, cool.","start":3576.3901,"end":3579.35,"sentiment":"positive","sentiment_score":0.3842265669788633},{"text":"Settlement's on the July 2.","start":3579.35,"end":3580.935,"sentiment":"neutral","sentiment_score":0.17533333003520965},{"text":"And you you just push it to that.","start":3582.7751,"end":3584.395,"sentiment":"positive","sentiment_score":0.37386665865778923},{"text":"So yeah.","start":3586.5352,"end":3586.935,"sentiment":"neutral","sentiment_score":0.20167706161737442},{"text":"So you you could 100% put it on the market early.","start":3586.935,"end":3590.715,"sentiment":"neutral","sentiment_score":0.3129889531569047}],"sentiment":"neutral","sentiment_score":0.3273251116275787,"num_words":40,"start":3576.3901,"end":3590.715},{"sentences":[{"text":"But I had a look at Glenfield Glendale?","start":3592.455,"end":3596.19,"sentiment":"neutral","sentiment_score":0.05503252148628235},{"text":"Glen Glenfield.","start":3596.19,"end":3596.93,"sentiment":"neutral","sentiment_score":0.014987943693995476},{"text":"And and I don't think you're gonna have too much of an issue selling.","start":3598.03,"end":3602.29,"sentiment":"neutral","sentiment_score":-0.18804616135145938},{"text":"Yes.","start":3607.605,"end":3608.085,"sentiment":"neutral","sentiment_score":0.06099368631839752},{"text":"Yes.","start":3608.085,"end":3608.485,"sentiment":"neutral","sentiment_score":0.07466109842061996}],"sentiment":"neutral","sentiment_score":-0.07795213134242938,"num_words":26,"start":3592.455,"end":3608.485},{"sentences":[{"text":"So I don't think you're gonna have any issues selling.","start":3608.485,"end":3610.5051,"sentiment":"neutral","sentiment_score":-0.019789981469511986},{"text":"So you're pretty fine on that front.","start":3611.445,"end":3612.965,"sentiment":"positive","sentiment_score":0.45266176547322956},{"text":"It's just it's a matter of, I guess, personal preference as to when you wanna trigger that.","start":3612.965,"end":3616.585,"sentiment":"neutral","sentiment_score":0.07885732698966474},{"text":"The earlier you sell it, the happier it is.","start":3617.285,"end":3620.585,"sentiment":"positive","sentiment_score":0.37646283043755424},{"text":"That area is not expected to go through a boom at the moment, so and I'll keep an eye on it over the next nine months.","start":3621.3,"end":3628.82,"sentiment":"neutral","sentiment_score":0.03927992914731686}],"sentiment":"neutral","sentiment_score":0.12638769180014514,"num_words":69,"start":3608.485,"end":3628.82},{"sentences":[{"text":"And when we talk in June, if it has triggered a boom, then maybe we wait a little bit.","start":3628.82,"end":3633.08,"sentiment":"neutral","sentiment_score":0.0029495140831721457},{"text":"But at this point, it's not looking to like, it's pretty stable there.","start":3636.005,"end":3639.545,"sentiment":"neutral","sentiment_score":0.015683194192556236},{"text":"So we're pretty good to hold.","start":3640.1648,"end":3644.905,"sentiment":"neutral","sentiment_score":0.26756175607442856},{"text":"But, yeah, cash flow wise, we're good.","start":3645.2048,"end":3647.57,"sentiment":"positive","sentiment_score":0.3553201215607779},{"text":"Money lasts long time.","start":3647.79,"end":3649.4902,"sentiment":"neutral","sentiment_score":0.2794227786362171}],"sentiment":"neutral","sentiment_score":0.11163724069388545,"num_words":49,"start":3628.82,"end":3649.4902},{"sentences":[{"text":"That drawdown strategy is only looking at the super funds.","start":3649.6301,"end":3652.11,"sentiment":"neutral","sentiment_score":0.061040863394737244},{"text":"So if we want extra money, don't forget that that there's a $350,000 sitting in the investment account.","start":3652.11,"end":3656.9902,"sentiment":"neutral","sentiment_score":0.08153004840844208},{"text":"So we can also trickle trickle that through.","start":3656.9902,"end":3659.25,"sentiment":"neutral","sentiment_score":0.12001775577664375},{"text":"The future considerations are those cash out recontribution strategies, maybe adding a little bit more to the investment account depending on what we end up selling those the bikes and stuff for.","start":3661.4849,"end":3671.345,"sentiment":"neutral","sentiment_score":0.08619660791009665},{"text":"I know we're keeping the collectible bike.","start":3671.4048,"end":3673.72,"sentiment":"neutral","sentiment_score":0.06929481668131691}],"sentiment":"neutral","sentiment_score":0.08375262295206388,"num_words":75,"start":3649.6301,"end":3673.72},{"sentences":[{"text":"I know we're keeping the other car.","start":3673.72,"end":3675.0,"sentiment":"neutral","sentiment_score":0.05668435405407633},{"text":"Like, I know that the the big boat, the big car, the big bike, web keeping.","start":3675.0,"end":3679.1,"sentiment":"neutral","sentiment_score":0.05434960825368762},{"text":"But if that changes and you guys wanna sell and liquidate them later, we can do so, and it's just a matter of what do we do with the money at that time.","start":3680.2,"end":3687.4202,"sentiment":"neutral","sentiment_score":0.08078546460830804},{"text":"And I already sort of have dot pointed a few strategies as to what we do, where we either invest it, we can put in away, anything like that.","start":3688.0552,"end":3695.5952,"sentiment":"neutral","sentiment_score":0.10426761929331155},{"text":"I think the biggest consideration for the future advice where we do the recontribution strategies, and it'll be stepped out a little bit slowly and we'll just concentrate on that as an area, is it's for our state planning side of things.","start":3696.215,"end":3710.06,"sentiment":"neutral","sentiment_score":0.16534756833598727}],"sentiment":"neutral","sentiment_score":0.10945404230022994,"num_words":127,"start":3673.72,"end":3710.06},{"sentences":[{"text":"Now the good thing is is that we're we're very much liquidating things a lot.","start":3710.52,"end":3714.3,"sentiment":"positive","sentiment_score":0.40827024976412457},{"text":"Realistically speaking, I've kept to your budget that you've set, and I am so happy once we get to end of end of this financial year.","start":3715.2651,"end":3724.725,"sentiment":"positive","sentiment_score":0.6647893694730905},{"text":"If you guys do sit down and go, you know, what we wanna be a little bit more what's the opposite word to frugal?","start":3724.7852,"end":3731.0,"sentiment":"neutral","sentiment_score":0.006741646211594343},{"text":"Frivolous.","start":3734.4202,"end":3734.9202,"sentiment":"neutral","sentiment_score":-0.2034083604812622},{"text":"Thank you.","start":3734.98,"end":3735.72,"sentiment":"neutral","sentiment_score":0.24905462563037872}],"sentiment":"positive","sentiment_score":0.35095702577382326,"num_words":68,"start":3710.52,"end":3735.72},{"sentences":[{"text":"We do wanna be a little bit more frivolous, then we can be so.","start":3737.1401,"end":3741.8801,"sentiment":"neutral","sentiment_score":-0.03223479179931538},{"text":"Then we we can increase the amount that we draw down on our super funds.","start":3742.7751,"end":3746.235,"sentiment":"neutral","sentiment_score":0.10958273857831954},{"text":"We can say stuff it to the kids.","start":3746.375,"end":3748.5352,"sentiment":"neutral","sentiment_score":0.13954627327620983},{"text":"We're not leaving any money behind.","start":3748.5352,"end":3750.695,"sentiment":"neutral","sentiment_score":0.016255348299940426},{"text":"You have the house and spend our money.","start":3750.695,"end":3754.7952,"sentiment":"neutral","sentiment_score":0.0021167334634810686}],"sentiment":"neutral","sentiment_score":0.047515492886304855,"num_words":51,"start":3737.1401,"end":3754.7952},{"sentences":[{"text":"So sorry.","start":3765.66,"end":3766.8801,"sentiment":"neutral","sentiment_score":-0.05443589389324188},{"text":"The biggest thing is is there's plenty there's plenty of an of an estate to leave behind for the kids.","start":3771.02,"end":3776.135,"sentiment":"neutral","sentiment_score":0.14424698799848557},{"text":"It's it's it's really not an issue between the fact that we've the PPR, like, the the primary residence house that can get liquidated and split or they can, you know, turn into an investment property and split the the dividends, other income.","start":3776.275,"end":3792.6,"sentiment":"neutral","sentiment_score":0.1654834660679795},{"text":"It's a fully paid off property, whether, you know, us doing those recontribution strategies now or so niche rather than later means that we're putting the money into a tax reposition.","start":3792.6,"end":3803.925,"sentiment":"neutral","sentiment_score":0.21679702521331848},{"text":"So it gives them more money for anything that is left over.","start":3803.925,"end":3806.825,"sentiment":"neutral","sentiment_score":0.22904528925816217}],"sentiment":"neutral","sentiment_score":0.17926952097978857,"num_words":108,"start":3765.66,"end":3806.825},{"sentences":[{"text":"All of those considerations are for them.","start":3806.965,"end":3809.045,"sentiment":"neutral","sentiment_score":0.13487043338162558},{"text":"But realistically speaking, if you guys wanna increase from 75,000 to $80.85, even 90, we're still really comfortable.","start":3809.045,"end":3815.8398,"sentiment":"neutral","sentiment_score":0.25454330237375367},{"text":"If you guys turn around and go, no.","start":3818.46,"end":3819.9,"sentiment":"neutral","sentiment_score":-0.0026200630236417055},{"text":"We're actually gonna hit some really big, like, Europe hit holidays, and we're gonna you know, our budget for our holiday is not, like a 10 holiday a year.","start":3819.9,"end":3828.485,"sentiment":"neutral","sentiment_score":0.006901090900445807},{"text":"It's now a $30 holiday a year.","start":3828.485,"end":3830.5852,"sentiment":"neutral","sentiment_score":0.016554673069289753}],"sentiment":"neutral","sentiment_score":0.08436125101170679,"num_words":69,"start":3806.965,"end":3830.5852},{"sentences":[{"text":"If we're gonna go and do a really big one, then we can accommodate that.","start":3830.725,"end":3834.3252,"sentiment":"neutral","sentiment_score":0.12714922005931537},{"text":"We can also just do it as an ad hoc.","start":3834.3252,"end":3835.925,"sentiment":"neutral","sentiment_score":0.15428398102521895},{"text":"So if you just turn around and say, hey.","start":3835.925,"end":3837.365,"sentiment":"neutral","sentiment_score":0.06519622003866567},{"text":"This year, we're going to blah.","start":3837.365,"end":3838.985,"sentiment":"neutral","sentiment_score":0.025712171879907448},{"text":"We wanna pull the money.","start":3839.0452,"end":3840.0051,"sentiment":"neutral","sentiment_score":0.0640119545161724}],"sentiment":"neutral","sentiment_score":0.10024837545222706,"num_words":45,"start":3830.725,"end":3840.0051},{"sentences":[{"text":"I could just pull it right across the two accounts.","start":3840.0051,"end":3842.5852,"sentiment":"neutral","sentiment_score":0.05533527359366417},{"text":"Okay.","start":3849.63,"end":3850.13,"sentiment":"neutral","sentiment_score":0.2525942921638489},{"text":"So all in all, I guess, highlight are and my favorite page is probably page which page is it?","start":3851.3098,"end":3859.425,"sentiment":"neutral","sentiment_score":0.12038095354249603},{"text":"Page 81.","start":3859.4849,"end":3860.625,"sentiment":"neutral","sentiment_score":0.015360639430582523},{"text":"It hurts me when we start getting into the high numbers, but it's a how to implement the advice step by step.","start":3863.085,"end":3868.4648,"sentiment":"neutral","sentiment_score":-0.13479218073189259}],"sentiment":"neutral","sentiment_score":0.0029347860771748754,"num_words":54,"start":3840.0051,"end":3868.4648},{"sentences":[{"text":"So it has each of the the time frames, the dates, the bits and pieces.","start":3868.845,"end":3874.39,"sentiment":"neutral","sentiment_score":0.10988827173908551},{"text":"It steps it out so that way it's easy to flow.","start":3874.6099,"end":3877.19,"sentiment":"neutral","sentiment_score":0.16705478964881462},{"text":"And at any point when, you know, me or my team gives you a call to say, hey.","start":3877.81,"end":3881.17,"sentiment":"neutral","sentiment_score":0.021730148181733158},{"text":"I need this form signed because we're doing blah.","start":3881.17,"end":3883.3499,"sentiment":"neutral","sentiment_score":-0.022768650617864396},{"text":"I can be like, it's point seven of the stage one or it's paid.","start":3883.97,"end":3888.715,"sentiment":"neutral","sentiment_score":0.018809227272868156}],"sentiment":"neutral","sentiment_score":0.05873851874259425,"num_words":67,"start":3868.845,"end":3888.715},{"sentences":[{"text":"It's point two of stage two.","start":3888.715,"end":3890.415,"sentiment":"neutral","sentiment_score":0.011410458944737911},{"text":"So stage one is obviously from now until end of financial year.","start":3892.715,"end":3896.635,"sentiment":"neutral","sentiment_score":0.004605510582526525},{"text":"Stage two triggers the June, July of stay of 2027.","start":3896.635,"end":3901.74,"sentiment":"neutral","sentiment_score":0.015348349884152412},{"text":"So selling the property, we don't sell until July, but we can obviously put it on the market a little bit early.","start":3901.96,"end":3907.02,"sentiment":"neutral","sentiment_score":0.02439539490098303},{"text":"Downside the contributions and everything else triggers on the back of the property.","start":3907.7998,"end":3912.0598,"sentiment":"neutral","sentiment_score":-0.07614722532721666}],"sentiment":"neutral","sentiment_score":-0.002793696221141588,"num_words":63,"start":3888.715,"end":3912.0598},{"sentences":[{"text":"It's it's just when you guys want to or when you guys start triggering things, I need you guys to just communicate with me, email me.","start":3912.4949,"end":3919.6348,"sentiment":"neutral","sentiment_score":0.012882093540751018},{"text":"So let me know.","start":3920.9749,"end":3922.015,"sentiment":"neutral","sentiment_score":0.029986503534018993},{"text":"The biggest thing that I'm going to ask is if you can cc info in, so info at financial, just because my emails get hammered daily.","start":3922.015,"end":3931.63,"sentiment":"neutral","sentiment_score":-0.10401515605357978},{"text":"And if I spend a day not looking at my emails, which happens more and more these days, I get back to my emails, have 700 of them, and then I, you know, they get they get they get buried quickly.","start":3932.8098,"end":3945.005,"sentiment":"neutral","sentiment_score":-0.059237841925606494},{"text":"Whereas if you if you email info as well, I have all all of the admin have access to that, and they pop your name into my calendar, which means that I'm there.","start":3946.265,"end":3957.165,"sentiment":"neutral","sentiment_score":0.14508283567247968}],"sentiment":"neutral","sentiment_score":0.0008420649772653215,"num_words":130,"start":3912.4949,"end":3957.165},{"sentences":[{"text":"The other thing you can do is just if you ever like, if you ever want to meet with me, just send me through a calendar invite because it pops up into my calendar, and I'll just I'll give you a call.","start":3957.5498,"end":3968.21,"sentiment":"neutral","sentiment_score":0.12123892252289113},{"text":"And and that works nicely too.","start":3970.155,"end":3971.835,"sentiment":"neutral","sentiment_score":0.18833414713541666},{"text":"No.","start":3971.835,"end":3972.075,"sentiment":"neutral","sentiment_score":-0.08651868253946304},{"text":"That's okay.","start":3972.075,"end":3972.815,"sentiment":"neutral","sentiment_score":-0.0075563875725492835},{"text":"Kaden Kaden messaged me.","start":3973.195,"end":3974.875,"sentiment":"neutral","sentiment_score":0.0025238506495952606}],"sentiment":"neutral","sentiment_score":0.11146370133977722,"num_words":55,"start":3957.5498,"end":3974.875},{"sentences":[{"text":"He's like, you realize that Helen's emailed you?","start":3974.875,"end":3976.635,"sentiment":"neutral","sentiment_score":-0.026789497991558164},{"text":"I was like, no.","start":3976.635,"end":3977.2751,"sentiment":"neutral","sentiment_score":-0.18805432692170143},{"text":"She hasn't.","start":3977.2751,"end":3977.835,"sentiment":"neutral","sentiment_score":-0.19853773713111877},{"text":"He's like, yes.","start":3977.835,"end":3978.475,"sentiment":"neutral","sentiment_score":-0.11127518614133199},{"text":"She has.","start":3978.475,"end":3979.135,"sentiment":"neutral","sentiment_score":-0.13753895461559296}],"sentiment":"neutral","sentiment_score":-0.10381643334403634,"num_words":19,"start":3974.875,"end":3979.135},{"sentences":[{"text":"I was like, oh, no.","start":3979.195,"end":3980.475,"sentiment":"neutral","sentiment_score":-0.19670897126197814},{"text":"No.","start":3980.475,"end":3980.955,"sentiment":"neutral","sentiment_score":-0.28884419798851013},{"text":"No, Helen.","start":3980.955,"end":3981.855,"sentiment":"neutral","sentiment_score":-0.18410280533134937},{"text":"Yeah.","start":3994.7349,"end":3995.2349,"sentiment":"neutral","sentiment_score":-0.14835301041603088},{"text":"I was gonna say, if you so the second the second document so there's 82 85 pages?","start":4005.695,"end":4011.8499,"sentiment":"neutral","sentiment_score":-0.06857632330673583}],"sentiment":"neutral","sentiment_score":-0.1136440450612169,"num_words":26,"start":3979.195,"end":4011.8499},{"sentences":[{"text":"Eighty four pages?","start":4012.15,"end":4013.1099,"sentiment":"neutral","sentiment_score":-0.014290835708379745},{"text":"Eighty five?","start":4013.1099,"end":4013.5898,"sentiment":"neutral","sentiment_score":-0.016935420222580433},{"text":"Eighty five.","start":4013.5898,"end":4014.95,"sentiment":"neutral","sentiment_score":-0.059040384367108345},{"text":"Too many.","start":4014.95,"end":4015.69,"sentiment":"neutral","sentiment_score":-0.17222514748573303},{"text":"Ages in that document.","start":4016.55,"end":4017.69,"sentiment":"neutral","sentiment_score":-0.13650057092308998}],"sentiment":"neutral","sentiment_score":-0.08348282268987252,"num_words":13,"start":4012.15,"end":4017.69},{"sentences":[{"text":"If in the second document, which is the appendix, that's attached, if you scroll down a little bit more, that has some of, like, the calculations for the alternatives that I considered, which is sort of, like, your position now versus if you drop down to part time, if we sold your PPR instead of your investment property and you then bought another smaller house.","start":4018.07,"end":4039.6,"sentiment":"neutral","sentiment_score":-0.014407112943724943},{"text":"Realistically, housing prices in your area that you live in are unstable.","start":4039.6,"end":4048.26,"sentiment":"neutral","sentiment_score":-0.1955804821724693},{"text":"Like, it it it burned.","start":4050.345,"end":4051.805,"sentiment":"negative","sentiment_score":-0.4556176722049713},{"text":"And for you guys to downsize was a little bit hard for me to look at.","start":4052.825,"end":4058.905,"sentiment":"neutral","sentiment_score":-0.33000857196748257},{"text":"I looked at a bunch of different properties.","start":4058.905,"end":4060.425,"sentiment":"neutral","sentiment_score":-0.1381839755922556}],"sentiment":"neutral","sentiment_score":-0.11270873060994693,"num_words":106,"start":4018.07,"end":4060.425},{"sentences":[{"text":"I looked at estimates.","start":4060.425,"end":4061.385,"sentiment":"neutral","sentiment_score":-0.07495421823114157},{"text":"I talked to one of my property guys trying to figure out where we could go, what we could do.","start":4061.385,"end":4066.62,"sentiment":"neutral","sentiment_score":-0.12080670557916165},{"text":"And at this point, I literally turned around to Caden and was talking and my power planner was talking about your your file and going, at this point, I think Helen, Paul, and I should just go house hunting together.","start":4067.56,"end":4077.98,"sentiment":"neutral","sentiment_score":-0.009304148145020008},{"text":"I'm like, it looks like it's gonna work out better than me sitting on the Internet trying to figure it out.","start":4080.425,"end":4085.0051,"sentiment":"neutral","sentiment_score":0.027205792743535268},{"text":"So yeah.","start":4086.985,"end":4087.5452,"sentiment":"neutral","sentiment_score":0.1848636269569397}],"sentiment":"neutral","sentiment_score":-0.024678942629660684,"num_words":87,"start":4060.425,"end":4087.5452},{"sentences":[{"text":"So look.","start":4087.5452,"end":4088.2651,"sentiment":"neutral","sentiment_score":0.2802274599671364},{"text":"If you guys do ever wanna It's a when you guys are wanting to do it.","start":4088.2651,"end":4097.41,"sentiment":"neutral","sentiment_score":-0.10016921535134315},{"text":"Yeah.","start":4098.75,"end":4098.9897,"sentiment":"neutral","sentiment_score":0.0633171871304512},{"text":"The the biggest the biggest comfort the biggest comfort point for your PPR is that it's it's capital gains free.","start":4098.9897,"end":4109.395,"sentiment":"neutral","sentiment_score":0.24335110187530518},{"text":"We're not gonna pay any capital gains tax.","start":4109.395,"end":4110.995,"sentiment":"neutral","sentiment_score":-0.05318241799250245}],"sentiment":"neutral","sentiment_score":0.07367292244700675,"num_words":47,"start":4087.5452,"end":4110.995},{"sentences":[{"text":"It's just the sales and then the repurchase of another property that's the painful part because, obviously, new property stamped due and stuff like that.","start":4110.995,"end":4117.635,"sentiment":"neutral","sentiment_score":-0.09557098794728518},{"text":"The sale obviously has a lot less cost associated with it.","start":4117.635,"end":4121.33,"sentiment":"neutral","sentiment_score":0.17759307609363037},{"text":"You've got your real estate fee and conveyancer.","start":4121.33,"end":4123.83,"sentiment":"neutral","sentiment_score":0.07909646350890398},{"text":"But on the, obviously, purchase side, you've got all the transfer taxes and the searches and the conveyancer costs and and and and and and.","start":4124.77,"end":4133.35,"sentiment":"neutral","sentiment_score":0.013201925009489059},{"text":"But you'll be doing a cash sale, so it's not too too bad.","start":4134.015,"end":4136.895,"sentiment":"neutral","sentiment_score":0.15908463241962287}],"sentiment":"neutral","sentiment_score":0.03164840479404098,"num_words":82,"start":4110.995,"end":4136.895},{"sentences":[{"text":"It's just depending on what you can sell for and buy for.","start":4136.895,"end":4140.575,"sentiment":"neutral","sentiment_score":0.08171265013515949},{"text":"I know that your PPR is in around that same sort of 1.45, 1.5 mark.","start":4140.575,"end":4145.395,"sentiment":"neutral","sentiment_score":-0.0019092661639054616},{"text":"I think I actually had a look at it.","start":4146.75,"end":4147.79,"sentiment":"neutral","sentiment_score":-0.005224013494120704},{"text":"I think it's sort of sitting somewhere around the 1.63 at the moment, to be honest, but when we spoke, you had quoted to me about 1.45, 1.5.","start":4147.79,"end":4157.25,"sentiment":"neutral","sentiment_score":-0.020457693076293384},{"text":"So your PPR is increasing value a bit, but, again, the valuation I get versus what you actually get for it on market, totally different.","start":4158.19,"end":4166.715,"sentiment":"neutral","sentiment_score":-0.004098892435431481}],"sentiment":"neutral","sentiment_score":0.0025798760752162235,"num_words":89,"start":4136.895,"end":4166.715},{"sentences":[{"text":"Can only go so far.","start":4170.295,"end":4171.5947,"sentiment":"neutral","sentiment_score":0.07117863520979881},{"text":"So that appendix, I think is about 22 pages worth.","start":4172.0547,"end":4174.9204,"sentiment":"neutral","sentiment_score":0.0522251907736063},{"text":"It's just the alterations of the alternatives that I considered when I was going through the plan, and it's also like, the links to each of the investments that I've recommended on and each of the accounts and then some general tidbits and information.","start":4174.9204,"end":4189.915,"sentiment":"neutral","sentiment_score":0.15783542309972373},{"text":"Now I am 1000% not expecting you guys to sign this straight off the bat because there is a lot in it.","start":4190.375,"end":4196.5547,"sentiment":"neutral","sentiment_score":0.1304624839262529},{"text":"You know, just a casual 107 pages combined.","start":4196.855,"end":4199.675,"sentiment":"neutral","sentiment_score":0.04688306665048003}],"sentiment":"neutral","sentiment_score":0.12436115595229556,"num_words":89,"start":4170.295,"end":4199.675},{"sentences":[{"text":"There's a lot of there's there's a lot of bits and pieces to it.","start":4201.68,"end":4203.68,"sentiment":"neutral","sentiment_score":-0.032897929927068095},{"text":"There's a lot of moving parts.","start":4203.68,"end":4204.98,"sentiment":"neutral","sentiment_score":-0.055507813269893326},{"text":"Now if you do decide to go ahead with all of it or with some of it, you'll notice in the sign in on the sign page of the SOA, there is a authority to proceed.","start":4205.2,"end":4216.865,"sentiment":"neutral","sentiment_score":0.07650590098152558},{"text":"There's a text box there that enables you to type in words.","start":4216.9253,"end":4219.9053,"sentiment":"neutral","sentiment_score":0.0647286723057429},{"text":"So you can type in, we don't wanna go ahead with this.","start":4220.125,"end":4223.325,"sentiment":"neutral","sentiment_score":-0.04279654317845901}],"sentiment":"neutral","sentiment_score":0.027797251078300177,"num_words":80,"start":4201.68,"end":4223.325},{"sentences":[{"text":"We wanna hold off on this, whatever the case may be.","start":4223.325,"end":4226.365,"sentiment":"neutral","sentiment_score":-0.016728669320317833},{"text":"Obviously, it did the trigger points.","start":4226.365,"end":4228.41,"sentiment":"neutral","sentiment_score":-0.038361914455890656},{"text":"I'm gonna talk to you anyway because this document carries us over more than twelve months.","start":4228.5703,"end":4234.5903,"sentiment":"neutral","sentiment_score":-0.023377932142466307},{"text":"I'm gonna talk to you anyway throughout each point to be like, hey.","start":4235.93,"end":4239.79,"sentiment":"neutral","sentiment_score":0.045572868906534635},{"text":"You know, you guys are like, I'm selling the house.","start":4240.33,"end":4242.195,"sentiment":"neutral","sentiment_score":-0.00735606700181961}],"sentiment":"neutral","sentiment_score":-0.00480977031734905,"num_words":56,"start":4223.325,"end":4242.195},{"sentences":[{"text":"We're like, cool.","start":4242.195,"end":4242.675,"sentiment":"neutral","sentiment_score":0.08387383818626404},{"text":"So the sale of the house triggers this, this, this, and this.","start":4242.675,"end":4244.835,"sentiment":"neutral","sentiment_score":0.060882676392793655},{"text":"We're still comfortable to go ahead with each of these.","start":4244.835,"end":4246.855,"sentiment":"neutral","sentiment_score":0.18017847165465356},{"text":"And because there's gonna be application documents for everything we need to go through, we're gonna be able to do that.","start":4246.995,"end":4252.295,"sentiment":"neutral","sentiment_score":0.2947442467723574},{"text":"Now if you're happy to trigger stage one, and it's it's it's upon your it's upon your time frame, really.","start":4252.915,"end":4260.37,"sentiment":"neutral","sentiment_score":0.24201810285449027}],"sentiment":"neutral","sentiment_score":0.2093028725322449,"num_words":66,"start":4242.195,"end":4260.37},{"sentences":[{"text":"If you're happy to trigger stage one, realistically, the the thing that I need is bank details from you both, which I'm happy for you to email me after you've had a chance to sit down, talk, and Glenn and I have been talking here for an hour and a quarter.","start":4260.9897,"end":4275.035,"sentiment":"positive","sentiment_score":0.3831279082041161},{"text":"Sit down, talk, and then you can email me with the bank details, and I can pre fill out those forms for the pension accounts so we can get the full allocated pension to Paul and then that partial transition to retirement strategy set up for Helen.","start":4275.815,"end":4293.7397,"sentiment":"neutral","sentiment_score":0.2817593600521696},{"text":"And I can do up the sales tax letter and so on and so forth.","start":4293.7397,"end":4296.7197,"sentiment":"neutral","sentiment_score":0.05287122962375482},{"text":"So the company shares it's just this financial year, really, it it you you have time.","start":4303.915,"end":4308.555,"sentiment":"neutral","sentiment_score":0.0641212014015764},{"text":"It's this financial year.","start":4308.555,"end":4309.515,"sentiment":"neutral","sentiment_score":0.05059994664043188}],"sentiment":"neutral","sentiment_score":0.26168135860304637,"num_words":133,"start":4260.9897,"end":4309.515},{"sentences":[{"text":"If you have any questions when it comes down to it or you, you know, you you wanna sort of talk about it or or, you know, you get a statement from them, because I know you've accumulated them over a long time.","start":4309.515,"end":4322.23,"sentiment":"neutral","sentiment_score":0.03970752340243306},{"text":"You can let me know.","start":4323.57,"end":4324.87,"sentiment":"neutral","sentiment_score":0.09900549650192261},{"text":"But sitting down there with the account and having a having a talk to them, I looked at the highest possible tax capital gains that you could pay, which would basically be as if you had not like, it's $30 worth of cap like, $30 worth of capital gains added to your income.","start":4325.57,"end":4341.3,"sentiment":"neutral","sentiment_score":0.025744748600530176},{"text":"It pushes you into $70 worth of income.","start":4341.3,"end":4343.46,"sentiment":"neutral","sentiment_score":0.15710865333676338},{"text":"It's not it's not a lot.","start":4343.46,"end":4344.7397,"sentiment":"neutral","sentiment_score":-0.276745468378067}],"sentiment":"neutral","sentiment_score":0.027507122444069904,"num_words":115,"start":4309.515,"end":4344.7397},{"sentences":[{"text":"Like, I'm it's really not a lot.","start":4344.7397,"end":4347.0596,"sentiment":"neutral","sentiment_score":-0.27380780449935366},{"text":"And the disposing of them now rather than holding them is just it just liquidate things and get you in a better position.","start":4347.0596,"end":4353.0,"sentiment":"neutral","sentiment_score":-0.11658471660769504},{"text":"It gives you $30 worth of a a cash buffer.","start":4353.46,"end":4356.28,"sentiment":"neutral","sentiment_score":0.2802969664335251},{"text":"That's $30 closer to buying a caravan.","start":4356.575,"end":4358.605,"sentiment":"neutral","sentiment_score":0.21132740804127284},{"text":"That's fine.","start":4380.17,"end":4381.07,"sentiment":"positive","sentiment_score":0.3863214999437332}],"sentiment":"neutral","sentiment_score":0.009322477694676846,"num_words":49,"start":4344.7397,"end":4381.07},{"sentences":[{"text":"If you have any questions or you you wanna know anything, just send through an email, and I'll I'll we can organize another call or I can respond in in text either either way, depending on how complex it is, and go from there.","start":4381.21,"end":4392.195,"sentiment":"neutral","sentiment_score":0.11947674778374759},{"text":"Okay?","start":4392.195,"end":4392.695,"sentiment":"neutral","sentiment_score":0.07974223792552948},{"text":"That's okay.","start":4397.4746,"end":4398.295,"sentiment":"neutral","sentiment_score":0.22329463809728622},{"text":"No.","start":4403.0503,"end":4403.45,"sentiment":"neutral","sentiment_score":-0.21153315901756287},{"text":"Who who needs sleep?","start":4403.45,"end":4404.49,"sentiment":"negative","sentiment_score":-0.34083016216754913}],"sentiment":"neutral","sentiment_score":0.08093181940225455,"num_words":52,"start":4381.21,"end":4404.49},{"sentences":[{"text":"Sleep for the dead.","start":4404.49,"end":4405.47,"sentiment":"negative","sentiment_score":-0.41812507063150406},{"text":"We're okay.","start":4405.93,"end":4406.67,"sentiment":"neutral","sentiment_score":0.17724909633398056},{"text":"I've no.","start":4409.45,"end":4410.25,"sentiment":"neutral","sentiment_score":-0.2231014296412468},{"text":"I really do.","start":4410.25,"end":4411.15,"sentiment":"neutral","sentiment_score":-0.08351202805836995},{"text":"And I hope your son has unfired me, by the way.","start":4411.21,"end":4413.63,"sentiment":"neutral","sentiment_score":-0.06224143911491741}],"sentiment":"neutral","sentiment_score":-0.12269985743544319,"num_words":22,"start":4404.49,"end":4413.63},{"sentences":[{"text":"I think so too.","start":4420.775,"end":4421.995,"sentiment":"neutral","sentiment_score":0.11383351497352123},{"text":"That's okay, my darlings.","start":4429.11,"end":4430.15,"sentiment":"positive","sentiment_score":0.6812467277050018},{"text":"You guys have a lovely rest of the day, and shout out if you need anything.","start":4430.15,"end":4433.85,"sentiment":"positive","sentiment_score":0.5807098047807813},{"text":"Okay.","start":4435.19,"end":4435.69,"sentiment":"neutral","sentiment_score":0.16991791129112244},{"text":"Oh, yeah.","start":4438.0947,"end":4438.5747,"sentiment":"neutral","sentiment_score":0.18766024708747864}],"sentiment":"positive","sentiment_score":0.4821080093582471,"num_words":27,"start":4420.775,"end":4438.5747},{"sentences":[{"text":"I've got a full agenda today, but that's alright.","start":4438.5747,"end":4440.755,"sentiment":"neutral","sentiment_score":0.24624399178557926},{"text":"We love it.","start":4441.0547,"end":4441.9546,"sentiment":"positive","sentiment_score":0.7789251605669657},{"text":"Bye, guys.","start":4444.815,"end":4445.5547,"sentiment":"neutral","sentiment_score":0.24690265953540802},{"text":"Bye.","start":4448.255,"end":4448.755,"sentiment":"neutral","sentiment_score":-0.0734071135520935}],"sentiment":"neutral","sentiment_score":0.3315579742193222,"num_words":15,"start":4438.5747,"end":4448.755}]}}]},{"alternatives":[{"transcript":"Hello? Good. But it's I've got you down to Turner And Freeman. I don't know why. Okay. I was just alright. Helen's with me now. Hi, Luther. I'm fine. Thanks. Yourself? Just a little bit on the cool side. Someone opens up the front door in the morning to get a nice breeze through the house when it's one degree. One degree. I'm just gonna close the door. I'm frozen. So Yep. Just a little bit. Just a little bit. It's like walking it's like walking to the dairy counter at Costco. I've just received two emails from you, Larissa, about signing the paperwork. Okay. Okay. No worries. Statement. Yes. Okay. Alright. Not a problem. Far away. Okay. So it's Helen Hobbs, 24th Of The 126319 8th Street, This 0.2284. Oh, sorry. Paul Hobbs. Date of birth? Twenty thirty eleven sixty two nineteen eight Bierce Point. Yeah. I I I struggle to remember it. Well, sort of wanna be retired, but I don't know if I wanna be retired because since I said retired because we need this. We need this. We need this. When are you coming down? And I have not stopped traveling to and from Melbourne for the last three months. Yeah. Yep. Okay. Cool. Yep. Okay. Yep. Yeah. Yeah. Yeah. Yep. Okay. Yep. Yep. Yeah. Okay. Yep. Yes. Yes. Yes. Yep. It does. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. That's fine. Yeah. Hold on. Yes. Yep. Thank you. Yep. Awesome. I don't know. That's fine. Everything makes perfect sense so far. Well done. When just one question. When you mentioned on zero capital gains, that doesn't that doesn't include the investment property when we go to sell that guy, does it? Yeah. Yeah. Yeah. Sorry. Sorry. Yeah. Alright. Yep. Yeah. Yeah. Yep. Yes. Yep. Yep. Yep. Okay. Okay. Okay. Yes. Yep. Okay. Yep. Yep. Yep. Thank you. I appreciate that. No. You did really well, actually, because it's very, very compacted, but, no, it makes sense. So I've I've clicked through it very, very quickly. But I I have one quick question which you might cover later on or it might not be part of it. But because I've got long service leave and I've also got an abundance of sick leave, I'm trying to be a bit prudent and start using my sick leave at the moment in lots of different ways. But I've got probably about two and a half, three months worth of long service leave. So do I have to take that before the end of June? Do I do that after July? Okay. Yep. That's correct. Yep. Right. Okay. That sounds good. Yep. Yeah. Yep. Yep. Right. Okay. So, ideally, I could give mine I could give my notice in for the June 30 and then no. And then take long service leave for that next period of two and a half months, which would take me to mid September and then basically just not go back to work. Yeah. Okay. Yep. Yep. Yeah. Idaho. Yeah. But that's to be done after the July 1 because they they I've gotta get that's totally keeping me. So I I give my notice in in June, but I have to either accept the payout for in the July 1 onwards, or I do the long service leave where it just winds itself down. On your own long service leave, you're telling me 27. There's financial here 27 that you're gonna retire. 2627 or 2728? 2728. Yes. I'm trying it so I retired the July 1, not June? You go on long service. Right. And then you tell them you're resigning in the financial year of 2728. Midway through next year. 2627. That's the financial year we're currently in. That's right. You go on long service leave in your current financial year. When the long service leave then extends over into the new financial year, you then tell them you're going to resign. You're you're retiring in the new financial year, not this current month. Is that right, Luisa? Yes. Rest assured? Yes. Right. Yes. Yes. I'm just calling. Okay. No worries. Thank you. Oh, that's fine. Thank you. If you yeah. No. I appreciate that. Thank you, Lisa. Yes. Okay. Okay. Yep. Yep. Yep. Not sure. Yep. Okay. What? Yep. Yep. Yep. That's good. I'm supposed to. Oh, you're funny. Yeah. That's good. At 10%. Yeah. Okay. It's better than the 50% if I was employed. Yeah. Yep. Yep. Yep. Yes. Not a few Yep. Yep. Yep. Yep. Yes. Yeah. Mhmm. Okay. We've got a book with the accountant soon as well. We're a bit late this year. So yeah. Yep. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. No. Of course not. Yeah. I get that. Just trying to bring the rest really quickly. I'll also have a UK pension. So I ended up paying the kind of the class c contributions to The UK that they've now received and put into my pension account, I presume. So there will be an income coming from UK for my UK pension. I don't know if that's what you you need to know. You won't get that to be seven now. Oh, no. No. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Okay. Fair enough. Yes. Okay. Thank you. No. No. You're fine. You're fine. As I said, I just thought of it as you were you were talking, and I'm like, I better quickly ask. So now I take care of that. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Okay. Yep. Yep. Yes. Yep. Yep. Yep. Yeah. Correct. Yeah. Yep. Yes. Yep. Yeah. They're not Yeah. No. Yep. Yep. Yep. Yes. Yeah. Yeah. Yep. Okay. Cool. Yep. Yeah. I've gathered that. It would never be happening. I just like, all the money disappear. Yes. I've been working on that. At. Yeah. Yeah. Yep. 63. Yep. Ouch. Yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Cool. Yep. And it's not always it's not that long. '98 is very old. '98 is very old. Very good. Yes. Yeah. How many 98 year olds are? Actually, I know a crew now. Yeah. I know a few, actually. I've just our neighbors and mothers of 104. Yeah. Yeah. Yes. Wow. Amazing. That's even better. Yeah. Yeah. So what happens if just say Paul goes and gets another job next week? Oh. Yep. I'm not online to continue to the golf course at the moment, so I'm already here. I'm on to the golf course. Yeah. Yeah. No. Correct. Yes. Yeah. Yeah. It's just yeah. Yeah. Yeah. Yeah. That's fine. That's fine. It's just something that's been going through my head. Yeah. Like, trying to find things to do while not working very hard. It's an early it's early stages. So going to play golf, going to volunteer, going to paint houses, you know, it will run out. So I've gotta go for it. Yeah. It's just well, she's still work. My son is laughing. It's so soft and special. She's still working. We have charity to run, so we really can't just disappear for four weeks. I can't walk service less, I can't use. Oh, yeah. Well, you're going to your sister's birthday. Up. Well, that that's next year and not for September. So so going through a landing to holidays. We never take holidays together, Narissa. That's why it's so funny. We've always done it separately because Paul's always worked, and he's never taken time off. He became a workaholic. So I've done all my holidays by myself, so that's why it's so funny. Sorry. You you're unaware. That actually leads me to another question, and that is we were very lucky to go together to a caravan show where Paul was looking at RVs and got very excited about one and was bored alone whether he got it or not. Well, not the expenses. But just a scenario, just say he sells the car, like, next week, he sells the car, the boat, the bike, and that money is enough to go and buy an RV. Is that something he can do? Okay. Yeah. Yeah. Not my income. Yes. Yeah. No. No. No. That's what I'm doing. Correct. Correct. No. Yep. I know. Exactly what? Yes. Right. And that's why I wasn't doing it. Second comment. That needs to know where we stand anyway, so thank you for that. Cool. Yep. Yep. No. You're correct. No. Exactly right. Okay. Cool. Yep. Yeah. Glenn. No. It doesn't follow-up. Oh, yeah. Put on it. It's been two weeks. Yeah. Yes. Yes. Yes. Yep. Yes. Yes. Frivolous. Frivolous. No. I've got to work here. Yeah. Are we You're fired. My son just said you're fired. Not really. Not really. You will, Mary. Thank you. Yes. Okay. Yeah. Okay. Cool. Thank you, Louisa. Yes. Yep. Okay. Alright. Wonderful. Yep. It's all good news. Thank you, Luisa. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yes. Okay. Not a problem. Yes. Okay. Alright. Not good. Thank you. No. You're alright, sweet. You we knew that you were chasing your tail. I think I was just more desperate to know. I've been asked nonstop at work. You're not retiring yet, are you? Please don't retire. Please don't go. And I'm not I'm over it. I I wanna get out right now. We've just got new management, new setup, and whatever, and I hate it with a passion. But I can stomach it for nine months or even less than that on Thursday. 85. Yep. Yep. Yep. Yeah. Yeah. No. It's all good. I'm not gonna go past time, and we're not gonna downsize at the present time. So it it is what it is. Well, I'm more than happy to wait within a month. So yeah. That's that's fine. Yes. Yes. Yeah. Yeah. Okay. Yeah. Exactly. Yes. Yep. Yep. Yep. Yep. Okay. Yeah. Yep. Yeah. Yeah. Cool. Alright. Cool. Yep. Yep. Yep. Okay. Alright. No problem. Well, I'll have a look at it this afternoon. The first thing I gotta do is sell the company shares. Yeah. Yeah. Yeah. Yes. Yep. No. Yep. Yep. Yep. Exactly. Yep. Okay. Wonderful. Alright. We'll have a look at it all this afternoon. I was gonna read it over the weekend while I'm cooking brisket. No. You've got grandchildren. You won't have a chance to to read it. Mhmm. We'll have a look at it this afternoon while it's quiet and get back to you ASAP so I think we can start moving. Yeah. Okay. Okay. Thank you. Alright. Awesome, Luis. So thank you ever so much for your time. And, hopefully, this is one less thing on your agenda, and you get to sleep tonight. You love it, really. It's a challenge. No. He's alright. I think he's just rubbing his hands going, woohoo. I've got rich parents. Yay. He's just bought his third investment property. Right? Yeah. He's doing alright. So no. Alright. Well, thank you ever so much for your time. We will. You're welcome. To all the rest of your meetings too. Alright. Well, take it easy. Alright. Take care of yourself. Thanks, Louisa. Bye bye. 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Good. But it's I've got you down to Turner And Freeman. I don't know why. Okay.\n\nI was just alright. Helen's with me now. Hi, Luther. I'm fine. Thanks.\n\nYourself? Just a little bit on the cool side. Someone opens up the front door in the morning to get a nice breeze through the house when it's one degree. One degree. I'm just gonna close the door.\n\nI'm frozen. So Yep. Just a little bit. Just a little bit. It's like walking it's like walking to the dairy counter at Costco.\n\nI've just received two emails from you, Larissa, about signing the paperwork. Okay. Okay. No worries. Statement.\n\nYes. Okay. Alright. Not a problem. Far away.\n\nOkay. So it's Helen Hobbs, 24th Of The 126319 8th Street, This 0.2284. Oh, sorry. Paul Hobbs. Date of birth?\n\nTwenty thirty eleven sixty two nineteen eight Bierce Point. Yeah. I I I struggle to remember it. Well, sort of wanna be retired, but I don't know if I wanna be retired because since I said retired because we need this. We need this.\n\nWe need this. When are you coming down? And I have not stopped traveling to and from Melbourne for the last three months. Yeah. Yep.\n\nOkay. Cool. Yep. Okay. Yep.\n\nYeah. Yeah. Yeah. Yep. Okay.\n\nYep. Yep. Yeah. Okay. Yep.\n\nYes. Yes. Yes. Yep. It does.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nThat's fine. Yeah. Hold on. Yes. Yep.\n\nThank you. Yep. Awesome. I don't know. That's fine.\n\nEverything makes perfect sense so far. Well done. When just one question. When you mentioned on zero capital gains, that doesn't that doesn't include the investment property when we go to sell that guy, does it? Yeah.\n\nYeah. Yeah. Sorry. Sorry. Yeah.\n\nAlright. Yep. Yeah. Yeah. Yep.\n\nYes. Yep. Yep. Yep. Okay.\n\nOkay. Okay. Yes. Yep. Okay.\n\nYep. Yep. Yep. Thank you. I appreciate that.\n\nNo. You did really well, actually, because it's very, very compacted, but, no, it makes sense. So I've I've clicked through it very, very quickly. But I I have one quick question which you might cover later on or it might not be part of it. But because I've got long service leave and I've also got an abundance of sick leave, I'm trying to be a bit prudent and start using my sick leave at the moment in lots of different ways.\n\nBut I've got probably about two and a half, three months worth of long service leave. So do I have to take that before the end of June? Do I do that after July? Okay. Yep.\n\nThat's correct. Yep. Right. Okay. That sounds good.\n\nYep. Yeah. Yep. Yep. Right.\n\nOkay. So, ideally, I could give mine I could give my notice in for the June 30 and then no. And then take long service leave for that next period of two and a half months, which would take me to mid September and then basically just not go back to work. Yeah. Okay.\n\nYep. Yep. Yeah. Idaho. Yeah.\n\nBut that's to be done after the July 1 because they they I've gotta get that's totally keeping me. So I I give my notice in in June, but I have to either accept the payout for in the July 1 onwards, or I do the long service leave where it just winds itself down. On your own long service leave, you're telling me 27. There's financial here 27 that you're gonna retire. 2627 or 2728?\n\n2728. Yes. I'm trying it so I retired the July 1, not June? You go on long service. Right.\n\nAnd then you tell them you're resigning in the financial year of 2728. Midway through next year. 2627. That's the financial year we're currently in. That's right.\n\nYou go on long service leave in your current financial year. When the long service leave then extends over into the new financial year, you then tell them you're going to resign. You're you're retiring in the new financial year, not this current month. Is that right, Luisa? Yes.\n\nRest assured? Yes. Right. Yes. Yes.\n\nI'm just calling. Okay. No worries. Thank you. Oh, that's fine.\n\nThank you. If you yeah. No. I appreciate that. Thank you, Lisa.\n\nYes. Okay. Okay. Yep. Yep.\n\nYep. Not sure. Yep. Okay. What?\n\nYep. Yep. Yep. That's good. I'm supposed to.\n\nOh, you're funny. Yeah. That's good. At 10%. Yeah.\n\nOkay. It's better than the 50% if I was employed. Yeah. Yep. Yep.\n\nYep. Yes. Not a few Yep. Yep. Yep.\n\nYep. Yes. Yeah. Mhmm. Okay.\n\nWe've got a book with the accountant soon as well. We're a bit late this year. So yeah. Yep. Yep.\n\nYep. Yes. Yes. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. No. Of course not. Yeah. I get that.\n\nJust trying to bring the rest really quickly. I'll also have a UK pension. So I ended up paying the kind of the class c contributions to The UK that they've now received and put into my pension account, I presume. So there will be an income coming from UK for my UK pension. I don't know if that's what you you need to know.\n\nYou won't get that to be seven now. Oh, no. No. Yep. Yep.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nOkay. Fair enough. Yes. Okay. Thank you.\n\nNo. No. You're fine. You're fine. As I said, I just thought of it as you were you were talking, and I'm like, I better quickly ask.\n\nSo now I take care of that. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Okay. Yep. Yep.\n\nYes. Yep. Yep. Yep. Yeah.\n\nCorrect. Yeah. Yep. Yes. Yep.\n\nYeah. They're not Yeah. No. Yep. Yep.\n\nYep. Yes. Yeah. Yeah. Yep.\n\nOkay. Cool. Yep. Yeah. I've gathered that.\n\nIt would never be happening. I just like, all the money disappear. Yes. I've been working on that. At.\n\nYeah. Yeah. Yep. 63. Yep.\n\nOuch. Yeah. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nCool. Yep. And it's not always it's not that long. '98 is very old. '98 is very old.\n\nVery good. Yes. Yeah. How many 98 year olds are? Actually, I know a crew now.\n\nYeah. I know a few, actually. I've just our neighbors and mothers of 104. Yeah. Yeah.\n\nYes. Wow. Amazing. That's even better. Yeah.\n\nYeah. So what happens if just say Paul goes and gets another job next week? Oh. Yep. I'm not online to continue to the golf course at the moment, so I'm already here.\n\nI'm on to the golf course. Yeah. Yeah. No. Correct.\n\nYes. Yeah. Yeah. It's just yeah. Yeah.\n\nYeah. Yeah. That's fine. That's fine. It's just something that's been going through my head.\n\nYeah. Like, trying to find things to do while not working very hard. It's an early it's early stages. So going to play golf, going to volunteer, going to paint houses, you know, it will run out. So I've gotta go for it.\n\nYeah. It's just well, she's still work. My son is laughing. It's so soft and special. She's still working.\n\nWe have charity to run, so we really can't just disappear for four weeks. I can't walk service less, I can't use. Oh, yeah. Well, you're going to your sister's birthday. Up.\n\nWell, that that's next year and not for September. So so going through a landing to holidays. We never take holidays together, Narissa. That's why it's so funny. We've always done it separately because Paul's always worked, and he's never taken time off.\n\nHe became a workaholic. So I've done all my holidays by myself, so that's why it's so funny. Sorry. You you're unaware. That actually leads me to another question, and that is we were very lucky to go together to a caravan show where Paul was looking at RVs and got very excited about one and was bored alone whether he got it or not.\n\nWell, not the expenses. But just a scenario, just say he sells the car, like, next week, he sells the car, the boat, the bike, and that money is enough to go and buy an RV. Is that something he can do? Okay. Yeah.\n\nYeah. Not my income. Yes. Yeah. No.\n\nNo. No. That's what I'm doing. Correct. Correct.\n\nNo. Yep. I know. Exactly what? Yes.\n\nRight. And that's why I wasn't doing it. Second comment. That needs to know where we stand anyway, so thank you for that. Cool.\n\nYep. Yep. No. You're correct. No.\n\nExactly right. Okay. Cool. Yep. Yeah.\n\nGlenn. No. It doesn't follow-up. Oh, yeah. Put on it.\n\nIt's been two weeks. Yeah. Yes. Yes. Yes.\n\nYep. Yes. Yes. Frivolous. Frivolous.\n\nNo. I've got to work here. Yeah. Are we You're fired. My son just said you're fired.\n\nNot really. Not really. You will, Mary. Thank you. Yes.\n\nOkay. Yeah. Okay. Cool. Thank you, Louisa.\n\nYes. Yep. Okay. Alright. Wonderful.\n\nYep. It's all good news. Thank you, Luisa. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nYes. Okay. Not a problem. Yes. Okay.\n\nAlright. Not good. Thank you. No. You're alright, sweet.\n\nYou we knew that you were chasing your tail. I think I was just more desperate to know. I've been asked nonstop at work. You're not retiring yet, are you? Please don't retire.\n\nPlease don't go. And I'm not I'm over it. I I wanna get out right now. We've just got new management, new setup, and whatever, and I hate it with a passion. But I can stomach it for nine months or even less than that on Thursday.\n\n85. Yep. Yep. Yep. Yeah.\n\nYeah. No. It's all good. I'm not gonna go past time, and we're not gonna downsize at the present time. So it it is what it is.\n\nWell, I'm more than happy to wait within a month. So yeah. That's that's fine. Yes. Yes.\n\nYeah. Yeah. Okay. Yeah. Exactly.\n\nYes. Yep. Yep. Yep. Yep.\n\nOkay. Yeah. Yep. Yeah. Yeah.\n\nCool. Alright. Cool. Yep. Yep.\n\nYep. Okay. Alright. No problem. Well, I'll have a look at it this afternoon.\n\nThe first thing I gotta do is sell the company shares. Yeah. Yeah. Yeah. Yes.\n\nYep. No. Yep. Yep. Yep.\n\nExactly. Yep. Okay. Wonderful. Alright.\n\nWe'll have a look at it all this afternoon. I was gonna read it over the weekend while I'm cooking brisket. No. You've got grandchildren. You won't have a chance to to read it.\n\nMhmm. We'll have a look at it this afternoon while it's quiet and get back to you ASAP so I think we can start moving. Yeah. Okay. Okay.\n\nThank you. Alright. Awesome, Luis. So thank you ever so much for your time. And, hopefully, this is one less thing on your agenda, and you get to sleep tonight.\n\nYou love it, really. It's a challenge. No. He's alright. I think he's just rubbing his hands going, woohoo.\n\nI've got rich parents. Yay. He's just bought his third investment property. Right? Yeah.\n\nHe's doing alright. So no. Alright. Well, thank you ever so much for your time. We will.\n\nYou're welcome. To all the rest of your meetings too. Alright. Well, take it easy. Alright.\n\nTake care of yourself. Thanks, Louisa. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.029800239950418472},{"text":"Good.","start":5.12,"end":5.52,"sentiment":"positive","sentiment_score":0.4720593690872192},{"text":"But it's I've got you down to Turner And Freeman.","start":5.52,"end":7.68,"sentiment":"neutral","sentiment_score":0.05534582585096359},{"text":"I don't know why.","start":7.68,"end":8.74,"sentiment":"neutral","sentiment_score":-0.17656517773866653},{"text":"Okay.","start":15.535,"end":16.035,"sentiment":"neutral","sentiment_score":0.08469872176647186}],"sentiment":"neutral","sentiment_score":0.02551505166818114,"num_words":17,"start":1.28,"end":16.035},{"sentences":[{"text":"I was just alright.","start":17.535,"end":19.315,"sentiment":"neutral","sentiment_score":0.12315506674349308},{"text":"Helen's with me now.","start":19.455,"end":20.755001,"sentiment":"neutral","sentiment_score":0.146603774279356},{"text":"Hi, Luther.","start":23.695,"end":24.494999,"sentiment":"neutral","sentiment_score":0.21688160300254822},{"text":"I'm fine.","start":24.494999,"end":24.975,"sentiment":"neutral","sentiment_score":0.32982657849788666},{"text":"Thanks.","start":24.975,"end":25.295,"sentiment":"positive","sentiment_score":0.45296710729599}],"sentiment":"neutral","sentiment_score":0.2019552949529428,"num_words":13,"start":17.535,"end":25.295},{"sentences":[{"text":"Yourself?","start":25.295,"end":25.795,"sentiment":"neutral","sentiment_score":0.18140074610710144},{"text":"Just a little bit on the cool side.","start":30.96,"end":32.82,"sentiment":"neutral","sentiment_score":0.11838290560990572},{"text":"Someone opens up the front door in the morning to get a nice breeze through the house when it's one degree.","start":33.84,"end":38.739998,"sentiment":"neutral","sentiment_score":0.197317521132174},{"text":"One 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all good.","start":4087.51,"end":4088.07,"sentiment":"positive","sentiment_score":0.4384296735127767},{"text":"I'm not gonna go past time, and we're not gonna downsize at the present time.","start":4088.07,"end":4092.17,"sentiment":"neutral","sentiment_score":-0.2443479632337888},{"text":"So it it is what it is.","start":4092.6301,"end":4094.71,"sentiment":"neutral","sentiment_score":-0.11325204053095408}],"sentiment":"neutral","sentiment_score":-0.14426840896959658,"num_words":27,"start":4049.025,"end":4094.71},{"sentences":[{"text":"Well, I'm more than happy to wait within a month.","start":4094.71,"end":4096.995,"sentiment":"neutral","sentiment_score":-0.08682716302573681},{"text":"So yeah.","start":4098.275,"end":4098.915,"sentiment":"neutral","sentiment_score":0.03422827273607254},{"text":"That's that's fine.","start":4098.915,"end":4101.895,"sentiment":"neutral","sentiment_score":0.17333373675743738},{"text":"Yes.","start":4115.6196,"end":4116.1196,"sentiment":"neutral","sentiment_score":0.00863480195403099},{"text":"Yes.","start":4121.54,"end":4122.04,"sentiment":"neutral","sentiment_score":0.07743768393993378}],"sentiment":"neutral","sentiment_score":-0.01139655227170271,"num_words":17,"start":4094.71,"end":4122.04},{"sentences":[{"text":"Yeah.","start":4140.5747,"end":4140.99,"sentiment":"neutral","sentiment_score":0.03813944756984711},{"text":"Yeah.","start":4152.0303,"end":4152.5303,"sentiment":"neutral","sentiment_score":-0.006183450110256672},{"text":"Okay.","start":4153.47,"end":4153.97,"sentiment":"neutral","sentiment_score":0.0008862409740686417},{"text":"Yeah.","start":4165.5947,"end":4166.0947,"sentiment":"neutral","sentiment_score":0.08109067380428314},{"text":"Exactly.","start":4167.3,"end":4167.8,"sentiment":"neutral","sentiment_score":0.18895594775676727}],"sentiment":"neutral","sentiment_score":0.0605777719989419,"num_words":5,"start":4140.5747,"end":4167.8},{"sentences":[{"text":"Yes.","start":4167.86,"end":4168.36,"sentiment":"neutral","sentiment_score":0.1570756584405899},{"text":"Yep.","start":4179.38,"end":4179.88,"sentiment":"neutral","sentiment_score":0.13675543665885925},{"text":"Yep.","start":4197.09,"end":4197.59,"sentiment":"neutral","sentiment_score":0.06407897174358368},{"text":"Yep.","start":4217.205,"end":4217.705,"sentiment":"neutral","sentiment_score":0.050613097846508026},{"text":"Yep.","start":4223.525,"end":4223.605,"sentiment":"neutral","sentiment_score":0.005263518076390028}],"sentiment":"neutral","sentiment_score":0.08275733655318618,"num_words":5,"start":4167.86,"end":4223.605},{"sentences":[{"text":"Okay.","start":4223.605,"end":4224.105,"sentiment":"neutral","sentiment_score":-0.01193983480334282},{"text":"Yeah.","start":4225.525,"end":4225.98,"sentiment":"neutral","sentiment_score":-0.014093332923948765},{"text":"Yep.","start":4234.94,"end":4235.44,"sentiment":"neutral","sentiment_score":0.031437769532203674},{"text":"Yeah.","start":4245.065,"end":4245.565,"sentiment":"neutral","sentiment_score":0.10912591218948364},{"text":"Yeah.","start":4246.665,"end":4247.165,"sentiment":"neutral","sentiment_score":0.16088461875915527}],"sentiment":"neutral","sentiment_score":0.0550830265507102,"num_words":5,"start":4223.605,"end":4247.165},{"sentences":[{"text":"Cool.","start":4247.225,"end":4247.725,"sentiment":"positive","sentiment_score":0.3375672996044159},{"text":"Alright.","start":4252.51,"end":4253.01,"sentiment":"neutral","sentiment_score":0.2115478962659836},{"text":"Cool.","start":4253.07,"end":4253.57,"sentiment":"neutral","sentiment_score":0.320598840713501},{"text":"Yep.","start":4256.67,"end":4257.17,"sentiment":"neutral","sentiment_score":0.26187628507614136},{"text":"Yep.","start":4267.995,"end":4268.495,"sentiment":"neutral","sentiment_score":0.08823695033788681}],"sentiment":"neutral","sentiment_score":0.24396545439958572,"num_words":5,"start":4247.225,"end":4268.495},{"sentences":[{"text":"Yep.","start":4275.275,"end":4275.775,"sentiment":"neutral","sentiment_score":0.2623322606086731},{"text":"Okay.","start":4294.02,"end":4294.52,"sentiment":"neutral","sentiment_score":0.060876015573740005},{"text":"Alright.","start":4296.885,"end":4297.2847,"sentiment":"neutral","sentiment_score":0.11012355983257294},{"text":"No problem.","start":4297.2847,"end":4297.7646,"sentiment":"neutral","sentiment_score":0.18029415607452393},{"text":"Well, I'll have a look at it this afternoon.","start":4297.7646,"end":4299.385,"sentiment":"neutral","sentiment_score":0.14363159156507915}],"sentiment":"neutral","sentiment_score":0.1490431765892676,"num_words":14,"start":4275.275,"end":4299.385},{"sentences":[{"text":"The first thing I gotta do is sell the company shares.","start":4299.445,"end":4301.7046,"sentiment":"neutral","sentiment_score":0.05288381925360723},{"text":"Yeah.","start":4302.005,"end":4302.485,"sentiment":"neutral","sentiment_score":0.050082460045814514},{"text":"Yeah.","start":4302.485,"end":4302.985,"sentiment":"neutral","sentiment_score":0.05303993448615074},{"text":"Yeah.","start":4308.8047,"end":4309.3047,"sentiment":"neutral","sentiment_score":0.05822678655385971},{"text":"Yes.","start":4322.8096,"end":4323.3096,"sentiment":"neutral","sentiment_score":0.09698881208896636}],"sentiment":"neutral","sentiment_score":0.056004000330964726,"num_words":15,"start":4299.445,"end":4323.3096},{"sentences":[{"text":"Yep.","start":4325.195,"end":4325.695,"sentiment":"neutral","sentiment_score":0.10526464879512788},{"text":"No.","start":4347.2197,"end":4347.7197,"sentiment":"neutral","sentiment_score":-0.25696825981140137},{"text":"Yep.","start":4353.265,"end":4353.765,"sentiment":"neutral","sentiment_score":0.2117147147655487},{"text":"Yep.","start":4358.625,"end":4358.865,"sentiment":"neutral","sentiment_score":0.12502968311309814},{"text":"Yep.","start":4358.865,"end":4359.105,"sentiment":"neutral","sentiment_score":0.14378096163272858}],"sentiment":"neutral","sentiment_score":0.06576434969902038,"num_words":5,"start":4325.195,"end":4359.105},{"sentences":[{"text":"Exactly.","start":4359.105,"end":4359.605,"sentiment":"neutral","sentiment_score":0.24068251252174375},{"text":"Yep.","start":4360.065,"end":4360.565,"sentiment":"neutral","sentiment_score":0.24026422202587128},{"text":"Okay.","start":4360.865,"end":4361.365,"sentiment":"positive","sentiment_score":0.5170263051986694},{"text":"Wonderful.","start":4361.585,"end":4362.085,"sentiment":"positive","sentiment_score":0.6938883662223816},{"text":"Alright.","start":4362.465,"end":4362.785,"sentiment":"positive","sentiment_score":0.4047866761684418}],"sentiment":"positive","sentiment_score":0.41932961642742156,"num_words":5,"start":4359.105,"end":4362.785},{"sentences":[{"text":"We'll have a look at it all this afternoon.","start":4362.785,"end":4364.805,"sentiment":"positive","sentiment_score":0.39193517963091534},{"text":"I was gonna read it over the weekend while I'm cooking brisket.","start":4365.37,"end":4367.71,"sentiment":"neutral","sentiment_score":0.21745090931653976},{"text":"No.","start":4367.85,"end":4368.01,"sentiment":"neutral","sentiment_score":-0.25786569714546204},{"text":"You've got grandchildren.","start":4368.01,"end":4368.91,"sentiment":"negative","sentiment_score":-0.34182509779930115},{"text":"You won't have a chance to to read it.","start":4369.05,"end":4371.45,"sentiment":"neutral","sentiment_score":-0.22787179383966658}],"sentiment":"neutral","sentiment_score":0.08243059980518677,"num_words":34,"start":4362.785,"end":4371.45},{"sentences":[{"text":"Mhmm.","start":4371.45,"end":4371.95,"sentiment":"neutral","sentiment_score":-0.07708889245986938},{"text":"We'll have a look at it this afternoon while it's quiet and get back to you ASAP so I think we can start moving.","start":4372.25,"end":4378.65,"sentiment":"neutral","sentiment_score":0.20237205984691778},{"text":"Yeah.","start":4378.65,"end":4379.025,"sentiment":"neutral","sentiment_score":0.2526537775993347},{"text":"Okay.","start":4389.8247,"end":4390.3247,"sentiment":"neutral","sentiment_score":0.043976373970508575},{"text":"Okay.","start":4392.545,"end":4392.8647,"sentiment":"neutral","sentiment_score":0.18308386206626892}],"sentiment":"neutral","sentiment_score":0.18784123419650964,"num_words":28,"start":4371.45,"end":4392.8647},{"sentences":[{"text":"Thank you.","start":4392.8647,"end":4393.265,"sentiment":"positive","sentiment_score":0.5054774880409241},{"text":"Alright.","start":4393.265,"end":4393.505,"sentiment":"positive","sentiment_score":0.4137922525405884},{"text":"Awesome, Luis.","start":4393.505,"end":4394.225,"sentiment":"positive","sentiment_score":0.7251129150390625},{"text":"So thank you ever so much for your time.","start":4394.225,"end":4396.36,"sentiment":"positive","sentiment_score":0.7395301130082872},{"text":"And, hopefully, this is one less thing on your agenda, and you get to sleep tonight.","start":4396.36,"end":4401.66,"sentiment":"neutral","sentiment_score":0.2637426611036062}],"sentiment":"positive","sentiment_score":0.45835422178109486,"num_words":30,"start":4392.8647,"end":4401.66},{"sentences":[{"text":"You love it, really.","start":4407.0,"end":4407.88,"sentiment":"positive","sentiment_score":0.6589002013206482},{"text":"It's a challenge.","start":4407.88,"end":4408.78,"sentiment":"neutral","sentiment_score":0.08098269999027252},{"text":"No.","start":4414.235,"end":4414.475,"sentiment":"neutral","sentiment_score":-0.09645533561706544},{"text":"He's alright.","start":4414.475,"end":4415.295,"sentiment":"neutral","sentiment_score":-0.03698563715443015},{"text":"I think he's just rubbing his hands going, woohoo.","start":4415.355,"end":4417.695,"sentiment":"neutral","sentiment_score":-0.024726474036773045}],"sentiment":"neutral","sentiment_score":0.1308202120524488,"num_words":19,"start":4407.0,"end":4417.695},{"sentences":[{"text":"I've got rich parents.","start":4417.835,"end":4418.955,"sentiment":"neutral","sentiment_score":0.19252718053758144},{"text":"Yay.","start":4418.955,"end":4419.275,"sentiment":"positive","sentiment_score":0.5515112280845642},{"text":"He's just bought his third investment property.","start":4419.275,"end":4421.355,"sentiment":"neutral","sentiment_score":0.2237531617283821},{"text":"Right?","start":4421.355,"end":4421.855,"sentiment":"neutral","sentiment_score":0.09130866825580596},{"text":"Yeah.","start":4422.235,"end":4422.635,"sentiment":"neutral","sentiment_score":0.1271134912967682}],"sentiment":"neutral","sentiment_score":0.2218795887061528,"num_words":14,"start":4417.835,"end":4422.635},{"sentences":[{"text":"He's doing alright.","start":4422.635,"end":4423.6147,"sentiment":"neutral","sentiment_score":0.1284437601764997},{"text":"So no.","start":4423.755,"end":4424.975,"sentiment":"neutral","sentiment_score":-0.050046656280756},{"text":"Alright.","start":4425.46,"end":4425.78,"sentiment":"neutral","sentiment_score":0.13362286984920502},{"text":"Well, thank you ever so much for your time.","start":4425.78,"end":4427.96,"sentiment":"positive","sentiment_score":0.630129873752594},{"text":"We will.","start":4432.7397,"end":4433.5596,"sentiment":"neutral","sentiment_score":0.2669786959886551}],"sentiment":"positive","sentiment_score":0.3896462996216381,"num_words":17,"start":4422.635,"end":4433.5596},{"sentences":[{"text":"You're welcome.","start":4433.86,"end":4434.42,"sentiment":"positive","sentiment_score":0.3918728530406952},{"text":"To all the rest of your meetings too.","start":4434.82,"end":4436.5996,"sentiment":"neutral","sentiment_score":0.20289159659296274},{"text":"Alright.","start":4441.545,"end":4442.045,"sentiment":"positive","sentiment_score":0.4025028347969055},{"text":"Well, take it easy.","start":4442.105,"end":4443.165,"sentiment":"positive","sentiment_score":0.48955124616622925},{"text":"Alright.","start":4443.8647,"end":4444.2646,"sentiment":"neutral","sentiment_score":0.2755439281463623}],"sentiment":"neutral","sentiment_score":0.3151956391520798,"num_words":16,"start":4433.86,"end":4444.2646},{"sentences":[{"text":"Take care of yourself.","start":4444.2646,"end":4445.145,"sentiment":"positive","sentiment_score":0.3338400200009346},{"text":"Thanks, Louisa.","start":4445.145,"end":4446.045,"sentiment":"positive","sentiment_score":0.5171533524990082},{"text":"Bye bye.","start":4446.1846,"end":4446.925,"sentiment":"neutral","sentiment_score":0.23363298177719116},{"text":"Bye.","start":4447.145,"end":4447.645,"sentiment":"neutral","sentiment_score":0.15195533633232117}],"sentiment":"neutral","sentiment_score":0.33209867609871757,"num_words":9,"start":4444.2646,"end":4447.645}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Paul, Larissa with you. How are you going?\n\nChannel 1: Good. But it's I've got you down to Turner And Freeman. I don't know why.\n\nChannel 0: I mean, be anyone you want me to be, really.\n\nChannel 1: Okay. I was just alright. Helen's with me now.\n\nChannel 0: Perfect. Hi, Helen. How are you going?\n\nChannel 1: Hi, Luther. I'm fine. Thanks. Yourself?\n\nChannel 0: Yeah. Not bad. How how is Canberra going? Nice and cold?\n\nChannel 1: Just a little bit on the cool side. Someone opens up the front door in the morning to get a nice breeze through the house when it's one degree.\n\nChannel 0: One one one degree.\n\nChannel 1: One degree. I'm\n\nChannel 0: Just\n\nChannel 1: just gonna\n\nChannel 0: one.\n\nChannel 1: close the door. I'm frozen.\n\nChannel 0: Okay. Yeah. That's\n\nChannel 1: So\n\nChannel 0: that's fair. That's\n\nChannel 1: Yep.\n\nChannel 0: that's a little bit nippy, guys.\n\nChannel 1: Just a little bit. Just a little bit. It's\n\nChannel 0: I'm\n\nChannel 1: like\n\nChannel 0: not\n\nChannel 1: walking\n\nChannel 0: gonna lie.\n\nChannel 1: it's like walking to the dairy counter at Costco.\n\nChannel 0: That's yep. That's there.\n\nChannel 1: I've just received\n\nChannel 0: Yes.\n\nChannel 1: two emails from you, Larissa, about signing the paperwork.\n\nChannel 0: That is that's just the SOA that we're gonna go through. I figured I'd get it to you while we could so we could talk through it. You obviously\n\nChannel 1: Okay.\n\nChannel 0: don't have to sign it. So you it's just a little bit easier to do it all in one.\n\nChannel 1: Okay. No worries. Statement.\n\nChannel 0: Rather than me, like, talk numbers at you the whole time, figured it was a little bit easier to kind of so you could read and ask questions as we go through.\n\nChannel 1: Yes. Okay. Alright. Not a problem. Far away.\n\nChannel 0: Perfect. Well, before I do jump into it, even though I've jumped the gun, I do need to let you know that our calls are recorded. And if I could just get you to confirm security, just date of birth for both of you when someone say the address on file.\n\nChannel 1: Okay. So it's Helen Hobbs, 24th Of The 126319 8th Street, This 0.2284.\n\nChannel 0: Perfect.\n\nChannel 1: Oh, sorry. Paul Hobbs. Date of birth? Twenty thirty eleven sixty two nineteen eight\n\nChannel 0: Yep.\n\nChannel 1: Bierce Point.\n\nChannel 0: No. You're perfect. I love I love that we forgot our our date of birth for a hot second.\n\nChannel 1: Yeah. I I I struggle to remember it.\n\nChannel 0: That's Okay. I get it. We're retired. The brain shuts down.\n\nChannel 1: Well, sort of wanna be retired, but I don't know if I wanna be retired because since I said retired because we need this. We need this. We need this. When are you coming down? And I have not stopped traveling to and from Melbourne for the last three months.\n\nChannel 0: You know what? That's fine. Live live that life. That sounds great. Because you get to do things on your own time.\n\nMeans you can say, oh, no. I'm a bit busy this week.\n\nChannel 1: Yeah.\n\nChannel 0: Anyway, let's jump into it. So, basically, what I'm gonna do is I'm gonna give a high level overview of everything, and then we'll get down into the nitty gritty. But essentially speaking, from all the conversations we've had, basically, Paul wanted to retire and you have. Helen, we spoke about looking to either drop down hours and wanting to retire pretty soon.\n\nChannel 1: Yep.\n\nChannel 0: What what I've looked at is all the options for you to drop down your hours, retire now, everything like that. And realistically speaking, what I'm recommending from a high level is that we finish out this financial year and you retire at the end of this financial year.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Okay? Now if you wanna work a little bit longer, if you do wanna drop down your hours after this financial year, it does change a few things, but high level overview, that's basically what I'm recommending as we do. So I only got nine months left\n\nChannel 1: Yep.\n\nChannel 0: and then you can pack that pack that away and finish working yourself. That makes sure that we have enough assets, enough income to be able to do everything we're wanting to do. It gives us the income we need to be able to survive based on the budget you've given me. I gave you a little bit of an extra buffer in terms of an income drawdown as well because realistically, things happen and sometimes we splurge, and you guys deserve to do so.\n\nChannel 1: Okay.\n\nChannel 0: So the things I haven't taken into consideration is I know you guys said that you're willing to and you're obviously looking to sell the existing caravan, the noncollectible motorcycle, the second boat, and\n\nChannel 1: Yep.\n\nChannel 0: probably the second vehicle. I haven't considered those just because the timeline for you guys to actually sell them is when it happens.\n\nChannel 1: Yeah.\n\nChannel 0: But we can, obviously, 100% circle around and do something with it. And I do have a couple of ideas on what we can do. It'll just depend on when you guys actually wanna trigger those sales\n\nChannel 1: Yeah.\n\nChannel 0: as to what's gonna happen on that front.\n\nChannel 1: Yeah.\n\nChannel 0: Now at the crux of it, and if you're going through with me, the first 12 pages are just basically me replicating information you already know. So it's page 13 of the document, of that statement of advice document. And what I wanna do is basically this financial year, pretty much the as soon as we can is transition you into what's called a TTR or a present retirement strategy, Helen. Helen.\n\nChannel 1: Yep.\n\nChannel 0: And what I wanna do is I just wanna get some a little bit of tax effectiveness happening where we take your income from your employer, pop it into your super fund, and and draw down from your superannuation fund as a secondary income. So essentially speaking, what that's gonna mean is you're gonna have two income sources coming in being paid to you rather than just the one from your employer.\n\nChannel 1: Okay.\n\nChannel 0: Essentially speaking, at a high level because I don't I don't wanna read verbatim all of the words to you. It it it's in a document and everything. But what that means is that essentially, you're going to salary sacrifice $841.54 per fortnight. So that's\n\nChannel 1: Yep.\n\nChannel 0: gonna come out of your gross income, which equates to $21,880 across the So\n\nChannel 1: Yep.\n\nChannel 0: that's gonna drop your gross income down, which means that your taxable income is only gonna be about $66, which means you're gonna pay about $7,000 less in income tax.\n\nChannel 1: Yeah.\n\nChannel 0: And then we replace that lost income with a pension drawdown for $594.66. And you end up taking home actually a little bit more than what you are currently from that income source. So I\n\nChannel 1: Okay.\n\nChannel 0: increase your income by sort of about $600 across the year. We're not talking lots, but a little bit right now. Now this is all in stage one. So all of all of these this point is all what is what's happening or what I'm recommending that we do from basically now until the end of this financial year. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Now essentially, what this is gonna do is this saves on tax. So we end up saving I should know the number. I've only looked at it 15,000 times. $3,720 roughly in in tax across the your taxable income and your superannuation tax. Because when the money goes into your superannuation fund, it does get taxed, but it gets taxed at that lower superannuation rate of 15% rather than your current rate of\n\nChannel 1: Yes.\n\nChannel 0: income tax, which you're sitting on the 37 rate.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So it's just giving you that little bit of a a tax buffer, putting more into your super fund, and you're drawing out less because we're fading on that tax on that side of things. Does that make sense?\n\nChannel 1: Yep. It does.\n\nChannel 0: Perfect. So I wanna do that. Then for Paul, what I wanna do is I wanna set up an account based pension. So we get a little bit income coming to you guys at the moment for the next nine months just to be able to keep up with the expenses that we have. So it basically, we take the entirety of your balance that you currently have, and we push that over from an accumulation phase into an account based pension phase.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: this financial year, I also recommend that now that we've ceased employment with your ex employer that we look at selling the company shares. Because your income this financial year has essentially been 42 and chain,\n\nChannel 1: Yep.\n\nChannel 0: you're in a really low tax bracket. So we can sell those sell those\n\nChannel 1: Yep.\n\nChannel 0: shares because I know they're about $30 worth and\n\nChannel 1: Yep.\n\nChannel 0: obviously that fluctuates. But there's there's about $30 worth. The capital gains, because you've been accumulating them slowly over your employment term, will all be calculated, like, differently across the term of the ownership.\n\nChannel 1: Yep.\n\nChannel 0: But I recommend we sell them now. That way, they're liquidated and you're done with the company, so to speak.\n\nChannel 1: Yep.\n\nChannel 0: And it means that we're not gonna be holding them for a longer period of time than what we need to. The tax laws change moving forward soon, and I just think it's better if we get offload those now and just reconsolidate things a little bit tidier\n\nChannel 1: Yep.\n\nChannel 0: than to keep holding on to them.\n\nChannel 1: Yep.\n\nChannel 0: Now what I wanna do is I wanna pull what is essentially it's $2,765.40 from the pension account per fortnight over the next sort of nineteen fortnights\n\nChannel 1: Yep.\n\nChannel 0: remaining in the financial year.\n\nChannel 1: Okay.\n\nChannel 0: Okay? So what that's gonna do is just give you guys that little bit more comfortable income stream while we have the mortgages going on\n\nChannel 1: Yep.\n\nChannel 0: and every closure.\n\nChannel 1: Yep.\n\nChannel 0: Now that is basically the income side of things covered. And then what I wanna do is just do a little bit of a change to our super funds. Now because, Paul, we're moving you into a account based pension,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: you are capital gains free. So\n\nChannel 1: Yep.\n\nChannel 0: doesn't matter what we do in that account based pension, you're completely capital gains free. I can sell every single asset and liquidate all of it and buy again, and you paid sorry. Hiccups. You paid\n\nChannel 1: Yep.\n\nChannel 0: nothing in tax.\n\nChannel 1: Yep.\n\nChannel 0: Helen, because you are still in an accumulation and working, had to be very selective as to what assets I sold down and how I distributed the funds because otherwise, the capital gains tax could be sort of the most capital gains you would have paid was about $5. And considering we're so close to retirement, it made no sense for us to liquidate a a tax implication to that degree\n\nChannel 1: Yep.\n\nChannel 0: now. So I picked I was very, very choosy about how I redistributed things. And my ultimate goal with both of you was to get rid of anything that was a little bit under like, on any underlying funds that just weren't pulling their weight performance wise and also to drop the overall cost of the operation of the fund. So\n\nChannel 1: Yep.\n\nChannel 0: a couple of the assets that you were you were invested in previously were just a little bit costly. They were doing well. Don't get me wrong. Like, it's not like they weren't pulling their weight performance wise, but they they were, like, 1% in an investment cost\n\nChannel 1: Yeah.\n\nChannel 0: where I can could redistribute that and cut that into cents. So that's what I had an aim of doing was to basically redistribute the cost, just decrease it down, and I've been able to do that. So whole I did a full overhaul of your investment portfolio, dropping the investment fee from $36.35 across the year down to $15.14.\n\nChannel 1: That's fine.\n\nChannel 0: So massive like, it's it's $2,100 in savings across the account across the year in that investment fee positioning,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Hold\n\nChannel 0: the\n\nChannel 1: on.\n\nChannel 0: investment fees are all built into the actual operational cost of the account. So it's not something you always see, but they do they do exist, and I always\n\nChannel 1: Yes.\n\nChannel 0: wanna make sure that I can account for that. It's not something you don't necessarily always see when you're looking at a at a report on the account, but it's something that I take into consideration and I look at because some of the investment can be costly\n\nChannel 1: Yep.\n\nChannel 0: from an underlying cost base, and I wanna make sure I consider that in the overall operations of it. So I considered how that all looks across the account and was able to, yeah, literally cut it in more than half, which was actually amazing. Now, Helen, I was able to drop yours from 1622. Oh, computer's loading. That's fine.\n\nDown to it's 900 and change. So it ends up being a $681 savings\n\nChannel 1: Thank you.\n\nChannel 0: across the account, which is fantastic.\n\nChannel 1: Yep. Awesome.\n\nChannel 0: And we were able to save some stuff. Now performance wise, Paul, your your your performance across historical performance data increases by that 2% year on year. Helen, yours is actually pretty much in line with each other. Like, I it's because I haven't changed too much of the assets around. It's just I had more of a focus to Helen on actually looking at the the the investment cost than the performance because the performance was really working well within your your investment.\n\nIt was just a matter of that performance cost was a little bit higher than what I would not necessarily like, I guess. Now is everything making sense, or am I running a million miles an hour because I'm somehow living on two hours sleep?\n\nChannel 1: I don't know. That's fine. Everything makes perfect sense so far. Well done. When just\n\nChannel 0: Now\n\nChannel 1: one question. When you mentioned\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: on zero capital gains, that\n\nChannel 0: Yes.\n\nChannel 1: doesn't that doesn't include the investment property when we go to sell that guy, does it?\n\nChannel 0: No. That's just within the that's just within the\n\nChannel 1: Yeah.\n\nChannel 0: the the the superannuation account. Yeah. I'll I'll get I'll get to the investment copy. Don't you worry. It's coming.\n\nChannel 1: Yeah. Yeah. Sorry. Sorry.\n\nChannel 0: No. Don't apologize. Not at all. Fire questions away. I'm always happy to answer questions.\n\nAbsolutely. Now I'm on sort of page 33 ish because I've\n\nChannel 1: Yeah.\n\nChannel 0: I've read this document that many times. I'm kind of back to front and upside down with it. What\n\nChannel 1: Alright.\n\nChannel 0: happens when you write it? Now on page 33, there's, like, a buy sell spread. So it shows what assets I'm getting rid of, what assets I'm rebalancing. So for example with polls you're a little bit underweight in gold so I'm buying a little bit of gold. I'm buying a little bit more in one of the cool composite bonds that you have.\n\nI'm\n\nChannel 1: Yep.\n\nChannel 0: so I'm dumping or I'm I'm getting rid of the Bennelong asset. It's an Australian investment asset. Its performance has been pretty air.\n\nChannel 1: Yeah.\n\nChannel 0: It's doing okay. It's just been air and it's 1% investment fee. BHYB, which is the banking hybrid, banking\n\nChannel 1: Yeah.\n\nChannel 0: hybrids are being phased out within the next it's 2022. I'm sorry. 2032\n\nChannel 1: Yep.\n\nChannel 0: that they're being phased out. So rather than wait for the asset to be phased out, I'd rather get rid of it now while it's performing well and while the asset is actually sitting in a good price point rather\n\nChannel 1: Yes.\n\nChannel 0: than waiting for it to be phased out and you get to whatever the replacement ends up being. Legislatively, they're being phased out not just with the investment manager, it's across the board banking hybrid. So I made the choice to get rid of that. I'm swapping the tech and lithium asset for a cyber security, so moving more a little bit into the AI sector\n\nChannel 1: Yep.\n\nChannel 0: than the system and then just diversifying a little bit out into some, like, Europe, Japan, stuff like that. So nothing crazy per se going on. Just literally just a little bit of a redistribution of assets across the board.\n\nChannel 1: Yep.\n\nChannel 0: Helen, for some ungodly reason, my computer is loading slowly. But, Helen, I've done what I've done is you have a ClearBridge infrastructure income fund. Paul has it too. I've dumped it completely from Paul Paul's. But that's pretty much the only thing I'm actually getting rid of under yours is I'm getting rid of the infrastructure income fund, and I'm swapping\n\nChannel 1: Yep.\n\nChannel 0: it for a much cheaper hedge ETF, which is a it's a global infrastructure fund. It's just it's it's that's where the majority of the the cost is coming from with your account. The BHYB, I haven't gotten rid of out of your account yet because it's performed well. If I dump it from your account now while we're not in pension phase, capital gains starts hitting us.\n\nChannel 1: Okay.\n\nChannel 0: And it's it's not huge if I just dump that, but I'd rather just hold off. It's performing well. It's just I would like to make a move and a pivot on it eventually, and that'll sort of come in a few months' time.\n\nChannel 1: Okay.\n\nChannel 0: And by a few months, I mean, probably closer to 12. So rather than overcomplicate things by saying let's do this now and then this in twelve months, I just figured I'd stage one, and I have left myself a nice note as to where I wanna head next year anyway. And I figured I'd hold off and depending on how the market goes, we might I might change that anyway.\n\nChannel 1: Okay.\n\nChannel 0: I looked at too many things to be able to wrap my head around, but it's okay. So that's where the assets fit from that perspective. So not a huge amount of changes. Just for you, it's literally just a a straight one for one swap. I'm\n\nChannel 1: Yes.\n\nChannel 0: not rebalancing anything in your account because, again, triggers capital gains, so I don't wanna push that rebalance. It's not too far off kilter in terms of asset holdings. You're a little bit high in gold, but that's not like, like, I'm I'm okay with that at the moment. It's not anything too bad. And we're only gonna ride that for for nine months, basically, because what I wanna do is we're gonna connect later late June at the latest\n\nChannel 1: Yep.\n\nChannel 0: to basically touch base, make sure that you're all happy to pack up and go from there.\n\nChannel 1: Okay.\n\nChannel 0: Now does all of that make sense? Like, that's that side of things is pretty straightforward in\n\nChannel 1: Yep.\n\nChannel 0: terms of where we're sitting. Because it's it's literally Paul's already retired. We're\n\nChannel 1: Yep.\n\nChannel 0: gonna sell the company shares,\n\nChannel 1: Yep.\n\nChannel 0: set up a set up an account for him and get some money paying to you guys. And then for you, it's gonna be a set up set up a partial pension account. And then you're gonna have two income streams. One from your employer, one from the pension account. I will draft up the letter for the salary sacrifice so that way you can just hand that straight to to work and do it all.\n\nChannel 1: Thank you.\n\nChannel 0: That way you don't have to think about numbers and read through a 85 page document to find it again.\n\nChannel 1: I appreciate that.\n\nChannel 0: Look, I tried to keep it small.\n\nChannel 1: No. You did really well, actually, because it's very, very compacted, but, no, it makes sense. So I've I've clicked through it very, very quickly. But I I have one quick question which you might cover later on or it might not be part of it. But\n\nChannel 0: Yep.\n\nChannel 1: because I've got long service leave and I've also got an abundance of sick leave, I'm trying to be a bit prudent and start using my sick leave at the moment in lots of different ways. But I've got probably about two and a half, three months worth of long service\n\nChannel 0: Long\n\nChannel 1: leave.\n\nChannel 0: term.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: do I have to take that before the end of June? Do I do\n\nChannel 0: No.\n\nChannel 1: that\n\nChannel 0: And\n\nChannel 1: after July?\n\nChannel 0: I did I did I did consider it. I haven't included it in the document here, but I did consider it.\n\nChannel 1: Okay.\n\nChannel 0: And realistically, because your which I was asked to touch on anyway, so we'll just we'll kinda circle down to it anyway. Because your share of the property is so low,\n\nChannel 1: Yep.\n\nChannel 0: because you only have 10% whereas Paul has 90,\n\nChannel 1: That's correct.\n\nChannel 0: It it actually works out nicely if you do continue working next year. Because realistically\n\nChannel 1: Yep.\n\nChannel 0: so stage two of the document is the twenty twenty seven, twenty twenty eight financial year,\n\nChannel 1: Right.\n\nChannel 0: which is essentially in July, first and foremost, hey, Helen. You're done with work. Retire.\n\nChannel 1: Okay. That sounds good.\n\nChannel 0: Yeah. And with that, you can take your long service leave. So you could you basically hang up the hat in in, say, June, what whatever week would work for you, and start taking your long service leave.\n\nChannel 1: Yep.\n\nChannel 0: It depends on your company, and this is the part that I got stuck on a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: It depends on your company and how willing they are to do things because there's two ways to take long service leave. You can either get paid out a lump sum, which if it's a lump sum, we're definitely gonna make sure that it's paid in the 2728 financial year.\n\nChannel 1: Yep.\n\nChannel 0: If it's a if if they can pay an income stream, then\n\nChannel 1: Yep.\n\nChannel 0: it's it it's fine because it'll just be, you know, weekly fortnightly payments, and it's not gonna like, it still ends up being the same amount of money. But if you quit work in the June and they try and pay your long service later's lump sum, it's just gonna mess up the tax year for this current financial tax year.\n\nChannel 1: Right. Okay. So, ideally, I could give mine I could give my notice in for the June 30 and then no. And then take long service leave for that next period of two and a half months, which would take me to mid\n\nChannel 0: Yep.\n\nChannel 1: September and then basically just not go back to work.\n\nChannel 0: Correct. Yep. And\n\nChannel 1: Yeah.\n\nChannel 0: not go\n\nChannel 1: Okay.\n\nChannel 0: back to work and and and be done. And the long service leave the the fun part about it is if they pay it in in installments, you actually accrue annual leave\n\nChannel 1: Yep.\n\nChannel 0: as well. So it means that after two and a half months worth of long service leave, you'll then have an allotment of annual leave on the back of that, which,\n\nChannel 1: Yep.\n\nChannel 0: you know, 2.5 is basically gonna be sort of a week's worth\n\nChannel 1: Yeah.\n\nChannel 0: of annual leave.\n\nChannel 1: Idaho.\n\nChannel 0: Yes. Two weeks? No. It'll be half a week. Half a week?\n\nHalf a week. Half a week worth of annual leave that'll be accrued during that period that you can then get paid out as well. So it's back and forth super funny, but\n\nChannel 1: Yeah. But\n\nChannel 0: that\n\nChannel 1: that's\n\nChannel 0: sort\n\nChannel 1: to\n\nChannel 0: of that\n\nChannel 1: be\n\nChannel 0: side\n\nChannel 1: done\n\nChannel 0: of thing.\n\nChannel 1: after the July 1 because they they I've gotta\n\nChannel 0: Correct.\n\nChannel 1: get\n\nChannel 0: Yeah.\n\nChannel 1: that's totally keeping me. So I I give my notice in in June, but I have to either accept the payout for in the July 1 onwards, or I do the long service leave where it just winds itself down. On your own long service leave, you're telling me 27. There's financial here 27 that you're gonna retire. 2627 or 2728?\n\n2728.\n\nChannel 0: Twenty 07/28.\n\nChannel 1: Yes. I'm trying it so I retired the July 1, not June? You go on long\n\nChannel 0: Yes.\n\nChannel 1: service.\n\nChannel 0: Yes. So it'll be the June 30, the July 1, whichever whichever works out.\n\nChannel 1: Right. And then you tell them you're resigning in the financial year of 2728. Midway through next year.\n\nChannel 0: Yep.\n\nChannel 1: 2627. That's the financial year we're currently in. That's right. You go on long service leave in your current financial year. When the long service leave then extends over into the new financial year, you then tell them you're going to resign.\n\nYou're you're retiring in the new financial year,\n\nChannel 0: Yep.\n\nChannel 1: not this current month.\n\nChannel 0: Yep.\n\nChannel 1: Is that right, Luisa?\n\nChannel 0: That's correct. Paul's got it right. So, basically, you at the like, however how many weeks you need to give them notice, you would say at the you know, it might be May. You might turn around and say, hey. I'm gonna take my long service leave.\n\nI'm gonna\n\nChannel 1: Yes.\n\nChannel 0: start my long service leave on the\n\nChannel 1: Rest\n\nChannel 0: 20\n\nChannel 1: assured?\n\nChannel 0: June 8.\n\nChannel 1: Yes. Right.\n\nChannel 0: And I'm gonna start my long service leave on the July 5, whatever whichever date you wanna sort of call it because that unfortunately, the the this financial year finishes in on a midweek.\n\nChannel 1: Yes.\n\nChannel 0: But you would then start your long service leave and just continue through your long service leave. I'm assuming you probably have a four week notice period to tell them you're quitting. Yep. So halfway through your long service leave, you'll just turn around and say, hey. By the way, I resign.\n\nThanks.\n\nChannel 1: Yes. I'm just calling. Okay. No worries. Thank you.\n\nChannel 0: That's okay. Look. I could pretty much draft up your your your letters of retirement if you want and put the dates on them that you have to send them.\n\nChannel 1: Oh, that's fine. Thank you. If you yeah. No. I appreciate that.\n\nThank you, Lisa.\n\nChannel 0: That's okay. So you retire and you run your long service leave. Now because they're gonna meet again at the, like, June like, mid June this\n\nChannel 1: Yes.\n\nChannel 0: year before you go on your long service leave, we can kinda touch base as to how your employer is gonna pay you out because you may turn around and give notice or your intending intended long service leave, and your employer may say, hey. Be honest. Are you retiring? And you you may, depending on how you're feeling, actually turn around and say, yes. I am retiring.\n\nAnd they may then make the decision to lump sum pay it. It's not an issue if they lump sum pay it so long as we get make sure that they pay it next financial year, so 2728 after the July 1, then it's all kosher.\n\nChannel 1: Okay.\n\nChannel 0: It's just dependent on how it all falls, how honest you wanna be with them. I have, like, four clients that are retiring within the next nine months on the government a month ago, and they're all sort of different. It's just it's employer based.\n\nChannel 1: Okay.\n\nChannel 0: Now the reason it's important is because of, obviously, the intention to sell the investment property. Now I went off a basis of 1.45. I know you guys have previously told me it's about 1.4 worth\n\nChannel 1: Yep.\n\nChannel 0: of the house, but I'm I had a look in the area and I had a look at property growth rates, then I increased it a little bit. I think my calculations ended up being, like, 1.452 something rather. So I rounded it because I hate dealing with non round numbers. It makes things messy. So I went off a value of one four five.\n\nI looked at realtor costs down in I use in the in Sydney as a base. I know that Glenfield's not quite in, but I went with the highest possible realtor cost as a percentage. I added on marketing cost and a conveyancer. That's really all the cost that you're gonna incur when it comes to the property sale\n\nChannel 1: Yep.\n\nChannel 0: until you obviously get to settlement and depending on how much of the rates you paid and how much of the blah blah blah and everything else that's due or overpaid or whatever the case may be. That'll get settled at settlement, and that's not something I can calculate unless I knew the exact date you were gonna settle.\n\nChannel 1: Yep.\n\nChannel 0: And that's conveyance's job, not mine. That's\n\nChannel 1: Not\n\nChannel 0: why you\n\nChannel 1: sure.\n\nChannel 0: pay them. So what I got was we sell the house for $14.05. Obviously, if this figure changes, it does change things a little bit, but irrespective, we deal with sort of the bulk of it. It's $14.05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012. 90% of the property is owned by Paul, 10% owned by Helen.\n\nThe sale price of $14.05 will result in a 145,000 of that sale being allocated to Helen and that remainder 1.305 being allocated to Paul. The sales cost gets split across as well, so 5 to Helen, 45 to Paul. The purchase price is split. So of that $409,649.60 is Helen's, $3,686.40 is Paul, which means that after everything's said and done, the capital gain allocation ends up being $495.20 to Helen and $4,456.80 to Paul, which means that at the combination of it all, Helen's paying $5 well, just $58.41 of tax because the capital gain is what you add to your your income. Obviously, neither of you have an income for that\n\nChannel 1: Yep.\n\nChannel 0: financial year, so then it carries over. So, Helen, if you do end up getting a lump sum payout, you know, with your long service leave, any of that, that's why I'm not fast. Because you have such a small holding of the property,\n\nChannel 1: Okay.\n\nChannel 0: you earning a little bit more income from, you know, three months worth of\n\nChannel 1: What?\n\nChannel 0: well, two and a half, but, you know, three months worth of long service leave isn't going to push us into a silly area at all. You're not gonna be jumping brackets is the main part,\n\nChannel 1: Yep.\n\nChannel 0: which is good.\n\nChannel 1: Yep. Yep. That's good.\n\nChannel 0: So we stay in\n\nChannel 1: I'm supposed\n\nChannel 0: the same brackets\n\nChannel 1: to.\n\nChannel 0: we're currently in. Paul, you're obviously, you know, little little bit higher, just a smidge. Nothing crazy.\n\nChannel 1: Oh, you're funny.\n\nChannel 0: Yeah. This is this is it. Higher. It's just, like, $1.90 $1,799.47 in tax payable. So it means that our capital gain is something about a 185,000.\n\nChannel 1: Yeah. That's good. At 10%. Yeah. Okay.\n\nIt's better than the 50% if I was employed. Yeah.\n\nChannel 0: Absolutely. Now the really there are a couple of things that we can do when we get that far to actually sell the house, and what I will do is a limited scope of advice piece at that time. But pending what we actually sell the house for and where things sit is we could do some lump sum contributions into the super fund. And because Paul's not working, we could basically pop 32,009 $32,500 into his super fund and claim it as a tax concession against that capital gain.\n\nChannel 1: Yep.\n\nChannel 0: But that will be a next year piece\n\nChannel 1: Yep.\n\nChannel 0: of advice\n\nChannel 1: Yep.\n\nChannel 0: that I will actually loop the the your accountant in on when we sell the property. And it'll be after the property is sold, and we know what all of the actual figures are, and we can do it anytime during that financial year. I'm not too stressed because we'll\n\nChannel 1: Yes.\n\nChannel 0: have the entire financial year to deal with it. So long as you don't go and sell it, you know, in the the May 2028, that would really suck, but that's okay if you do.\n\nChannel 1: Not\n\nChannel 0: So\n\nChannel 1: a\n\nChannel 0: just\n\nChannel 1: few\n\nChannel 0: mean we're we're taking our tails.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now ultimately speaking, I do want you guys to try and sell the house earlier\n\nChannel 1: Yep.\n\nChannel 0: than later. However, looking at your tax return, the house is pretty neutral anyway. So it even if you do keep the property for an extended period of time, it's not going to affect us tax wise too much because the property is pretty well neutral in terms\n\nChannel 1: Yep.\n\nChannel 0: of you know, it's not positive or negative. It's a little bit negatively geared. At least\n\nChannel 1: Yes.\n\nChannel 0: it was in that tax year whether that changed a little bit because we've paid down mortgage and stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: It was in that tax year.\n\nChannel 1: Mhmm. Okay. We've\n\nChannel 0: Now\n\nChannel 1: got a book with the accountant soon as well. We're a bit late this year. So\n\nChannel 0: Me too.\n\nChannel 1: yeah.\n\nChannel 0: Now where the cash all sits. So house gets sold, realtor cost, capital gains tax, we pay the Glenfield mortgage because it\n\nChannel 1: Yep.\n\nChannel 0: it has to get paid. It'll get paid during the settlement. That should\n\nChannel 1: Yep.\n\nChannel 0: leave us with roughly pending sales cost and everything else about $755,221.\n\nChannel 1: Yep.\n\nChannel 0: Super cute. Now what I propose that we actually do is we utilize that 700 and let's call it three quarters of an hour,\n\nChannel 1: Yes.\n\nChannel 0: and we add what's called a downsizer contribution into both of your super funds. So it's a $100,000 that can be popped into both of your super funds\n\nChannel 1: Yes.\n\nChannel 0: after the sale of the property. So that's $200,000 gone out of that.\n\nChannel 1: Yep.\n\nChannel 0: We utilize a 100,000 more of that money to buy the caravan that we wanna buy. I went on the upper side. I know you know you told me between 80 to a\n\nChannel 1: Yep.\n\nChannel 0: 100, but\n\nChannel 1: Yep.\n\nChannel 0: I figured I'd go on the upper side of that. And we still have plenty of room to move with that, by the way, but a 100. And then we use 3.5 of it to pay off our current resident mortgage.\n\nChannel 1: Yep.\n\nChannel 0: That would leave us with by the time we allocate the 200 to the super funds, 100 to the caravan, and the 3.5 to the mortgage, it leaves us with a 100,000 left over from the sale and the\n\nChannel 1: Yep.\n\nChannel 0: 270 we have sitting in the offset.\n\nChannel 1: Yep.\n\nChannel 0: So we have $370,000 to do things with.\n\nChannel 1: Yep.\n\nChannel 0: That's where the fund comes in. So the the tables that I have here just kind of, like, dot point and kind of just show where the money's going\n\nChannel 1: Yep.\n\nChannel 0: to sort of explain it all. Why are you blank? You're not blank. You're just pretending to be blank. Cool.\n\nI'm gonna keep talking. I know what the document says, but I'm gonna assume that I'm saying it in the right order. So what I wanna do after we essentially sell the property and pay the capital gains and deal with everything is just finalize your financial position. So that is a matter of looking at where where we get our cash flow from and\n\nChannel 1: Yep.\n\nChannel 0: what we do with everything moving forward because you guys will have no mortgages overhead and everything will need to get basically refreshed.\n\nChannel 1: Yep.\n\nChannel 0: So what I wanna do is I wanna refresh our pensions and get everything up and running.\n\nChannel 1: Yep.\n\nChannel 0: So, Helen,\n\nChannel 1: Yep.\n\nChannel 0: yours will be I believe it is Helen's note. But anyway, what I wanna do is is basically take Helen's account and merge them into one and create just a full straight up pension account.\n\nChannel 1: Yep.\n\nChannel 0: It'll be it's what's called an allocated pension, so you will be in the same position Paul's in. Hold for you, what actually happens on the sale of the house is we open up a brand new accumulation fund to put that $100,000 downsize of contribution in,\n\nChannel 1: Yep.\n\nChannel 0: and then we reamalgamate the money back into one\n\nChannel 1: Yep.\n\nChannel 0: account. So it'll all happen from a back end point of view. The only thing you're gonna see is I'm gonna be sending you applications left, right, and center, and I'm just gonna go say sign this. It's for this part of the advice.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Because all of these stages, they're all gonna need applications at the time that we triggered the the, like, the the stage.\n\nChannel 1: Yeah.\n\nChannel 0: Not it's not like I can send everything to you now bulk and get you guys to sign off on it all\n\nChannel 1: No.\n\nChannel 0: over\n\nChannel 1: Of course\n\nChannel 0: the\n\nChannel 1: not.\n\nChannel 0: next nine months.\n\nChannel 1: Yeah. I get\n\nChannel 0: Of\n\nChannel 1: that.\n\nChannel 0: course not. That would be too\n\nChannel 1: Just\n\nChannel 0: easy.\n\nChannel 1: trying to bring the rest really quickly. I'll also have a UK pension. So I ended up\n\nChannel 0: You\n\nChannel 1: paying\n\nChannel 0: do. I\n\nChannel 1: the\n\nChannel 0: know\n\nChannel 1: kind\n\nChannel 0: you do.\n\nChannel 1: of the class c contributions to The UK that they've now\n\nChannel 0: Yes.\n\nChannel 1: received and put into my pension account, I presume. So there will be an income coming from UK for my UK pension. I don't know if that's what you you need to know. You won't get that to be seven now.\n\nChannel 0: Nope.\n\nChannel 1: Oh, no.\n\nChannel 0: Trust\n\nChannel 1: No.\n\nChannel 0: me. I know all about it because we both talked about it, and I told you you paid premium.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I I didn't include this I didn't include the the payment from The UK to here. A, there there's there's a couple of different layers. A, whether you intend on keeping the money in The UK so that way when you, like, go and visit family, it's available to you there\n\nChannel 1: Yep.\n\nChannel 0: rather than paying the transfer cost.\n\nChannel 1: Yeah.\n\nChannel 0: And b, it doesn't work the same as the pensions here in Australia. So the amount that you get paid from it changes. So what I've allocated that money to because, basically, I've estimated based on where it currently fits and what it's doing at the moment because I told you to do the top up additional payments. It's not acceptable until you're 67, a,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: but, b, it's gonna be about $350 a week, which is about $18 a year.\n\nChannel 1: Yeah.\n\nChannel 0: And what that's gonna do with that, that's just gonna, at 67, give you a little bit more of a of a boost to your income and allow\n\nChannel 1: Okay.\n\nChannel 0: you to go on a little bit more extravagant holidays and stuff like that.\n\nChannel 1: Fair enough.\n\nChannel 0: So it's you cash flow wise, you guys are so fine.\n\nChannel 1: Yes.\n\nChannel 0: Like, honestly, so fine. By the time you hit 67, you'll basically be on about a $100 a year because of the The UK pension. It is in the document. I've included a statement there. It's on page 70,\n\nChannel 1: Okay.\n\nChannel 0: which\n\nChannel 1: Thank\n\nChannel 0: well,\n\nChannel 1: you.\n\nChannel 0: I'm nowhere near yet. But, anyway, I'll go back up.\n\nChannel 1: No. No. You're fine. You're fine. As I said, I just thought of it as you were you were talking, and I'm like, I better quickly ask.\n\nSo now\n\nChannel 0: Oh, that\n\nChannel 1: I take\n\nChannel 0: big.\n\nChannel 1: care of that.\n\nChannel 0: Dang. No. You're so fine. You're so fine. So well, bye bye.\n\nCool. There. So we're selling the property. Because we sell the property, we're freeing up about $60 a year because we're no longer having to deal with the property cost, and we are going to pop some money into the super funds, pay off all the mortgages, and be debt free and happy. We have about $370 left over at the end of it all from the property sale offset, everything like that.\n\nChannel 1: Yep.\n\nChannel 0: And then what we need to do is we need to commence an account based pension for Helen. So what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax\n\nChannel 1: Yeah.\n\nChannel 0: free. So what's\n\nChannel 1: Yeah.\n\nChannel 0: gonna happen is we're no longer gonna need need to deal with with any of the the pesky tax stuff. But we look. We still do. Don't worry about it. But it's not gonna be the headache\n\nChannel 1: Yeah.\n\nChannel 0: that it currently is for you both, having to\n\nChannel 1: Yeah.\n\nChannel 0: deal with the investment property, having to deal with, you know, getting valuations and all the rest of the rigmarole. It's gonna be pretty down the line. Now you're pulling a little bit over the minimum for your account. So because you are under 65 by the time we start this, your account minimum is 4%, which based on the account balance you'll have at that time would be about $22,500. We're pulling a little bit over that.\n\nWe're setting a specific amount because it's what you guys need cash flow wise, not anything else.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now what I've done is I've done a bit of a table to show where like, how the money kind of will trickle feed through, page 48. So how your account balance migrates moves and eventually by the time we're sort of sixty two sixty three, that account is actually gonna sort of be exhausted.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. 62 sorry. 9092939293. Sorry. Sorry.\n\nGet my numbers right. That account will be exhausted. You have a slightly lower starting balance than what Paul does, but it's okay. Paul Paul is gonna fold this through for us. That's right.\n\nAnd we have a a cute another little savings account on the side anyway. So it gives longevity. We have plenty of income coming in to support you in terms of of income, and that's only half of our income need. If we scroll down past all the risks, warnings, advantages, and disadvantages, we come to polls where, basically, for poll, do the same thing where we merge all the accounts through a refresh because we'll have those two accounts open. We merge both the accounts back together again and restart the account.\n\nOh, that's cute. The opening balance on the account at that time will be $9.89 because we will have over the last nine months drawn down a little bit of money and then popped a $100,000 into the account from that property sale. The\n\nChannel 1: Yeah.\n\nChannel 0: account balance will be sitting up at $9.89, and then the intention is to draw $37,500 from that account as well. That gives us the $75,000 that from the budget that you guys sent\n\nChannel 1: Yep.\n\nChannel 0: is what you guys need. So, obviously, less than mortgage pay repayments.\n\nChannel 1: Yeah.\n\nChannel 0: Your budget is 75,000. It was short of 75,000, but I gave us a little bit of a buffer. If you guys\n\nChannel 1: Yeah.\n\nChannel 0: want more, we can definitely accommodate more. It's not gonna be an issue. And, obviously, once you guys do settle into retirement life, you may realize that the budget might not fit, might need a little bit of adjustment, and we can adjust and pivot where needed. We have plenty of room to do so. So for Paul's, as you can see, the account's still going at 98.\n\nWe're pretty good. That's that's in a stress. Now because we are we're gonna have $370,000 at the end of the sale of the property and the distribution of funds to pay the mortgages and all the other bits and pieces and everything. What I wanna do is I actually wanna pop that money into a investment account for you both. It'll be in joint names.\n\nIt'll be connected to your hub twenty four super fund, but it is an investment account. Now while there is consideration for the fact that an investment account can incur tax when we sell it.\n\nChannel 1: Yeah.\n\nChannel 0: The majority of your income stream is gonna come from your superannuation funds. And if we ever do sell down on the investment there, a, it's in joint names, and b, I wouldn't anticipate that you guys are gonna need to sell down on an exuberant amount of money. So the tax implications are gonna be minimal to not there.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Because unless you guys are anticipating, you know, turning around and being like, we need a $100,000 and we wanna take it from there. If that's the case, you've earned $50,000. $50,000 tax is basically equivalent to about $5 worth of tax, call it,\n\nChannel 1: Yeah.\n\nChannel 0: just to keep around. So we're not gonna be paying an exuberant amount of tax if we do have to liquidate that that asset,\n\nChannel 1: Okay.\n\nChannel 0: and it just adds a little bit of spice to it all.\n\nChannel 1: Yep.\n\nChannel 0: The other consideration was that we could pop majority of it into Helen's Superfund under non concessional. But\n\nChannel 1: Yep.\n\nChannel 0: what I do wanna do moving forward is in sort of twelve months, two years, after everything settles for you guys and we sell the property and we have everything done and everything's kosher, is I do and it's not included in this advice document, I'll be clear, because I didn't wanna overload you, but I'm talking about it anyway, is do what's called a a recontribution strategy where\n\nChannel 1: Yes.\n\nChannel 0: where which is where we basically take money out of the account, pop it into an IDPS for a day, and then pop it back into the super fund. And\n\nChannel 1: Yep.\n\nChannel 0: what that does is it converts the funds into a tax free benefit.\n\nChannel 1: Yep.\n\nChannel 0: Now the benefit of that is is whilst I know that you guys are beneficiaries for each other, if anything happens to the other one and then the money that you have in the Superfund for example, if something happens to Helen and she passes away,\n\nChannel 1: Yep. Yeah.\n\nChannel 0: because Paul has the highest benefit there, the the benefit that would then be paid to the secondary beneficiary would be taxed on\n\nChannel 1: Correct.\n\nChannel 0: the taxable\n\nChannel 1: Yeah.\n\nChannel 0: component, which is the most which which which is quite a high amount. So what I wanna do is I wanna start trying to get to the point where we can kind of get you guys into a little bit more of a tax effective position. Sorry. A little bit more of a tax effective position inside the super fund. So\n\nChannel 1: Yep.\n\nChannel 0: I don't wanna go eating into the non concessional contribution amount inside your super funds with this 350,000 because I wanna try and get the amount that you have in your super fund to a tax free\n\nChannel 1: Yes.\n\nChannel 0: bit.\n\nChannel 1: Yep.\n\nChannel 0: But while we're doing all of the sell the property and everything like that, I just don't wanna overload it, and it's gonna be a we touch on next year once we know\n\nChannel 1: Yeah.\n\nChannel 0: what the property sale and everything looks like. Because if the market goes for a boom down in Sydney all of a sudden look. Not anticipating it doing so. But who knows?\n\nChannel 1: They're\n\nChannel 0: If\n\nChannel 1: not\n\nChannel 0: it does go through a boom or something happens,\n\nChannel 1: Yeah.\n\nChannel 0: I just wanna have room to move and and wiggle, and we can we can\n\nChannel 1: No.\n\nChannel 0: add pieces of advice to this quite\n\nChannel 1: Yep.\n\nChannel 0: easily. Not easily, but we can we can add to this. It's a lot easier than taking away from it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: That's what it is down. So investments are pretty much really, really similar to what you guys already hold. It's a a bit of a a move through a lot of the assets that you guys already have in. I've doubled up on the last three, but anyway, it's the same assets as what you guys already hold across some of your your other assets. It's just that it's a little bit different fluidity or the different waiting,\n\nChannel 1: Yes.\n\nChannel 0: and that just gives us a nice cheap overview of the account. I have replicated Helen's risk profile, so a little bit more conservative than what Paul level has been than going to the increase because we don't wanna take risk with this money. We wanna be pretty chill with it\n\nChannel 1: Yeah.\n\nChannel 0: and go from there. Obviously, if we kept it in cash, we'll be sitting at the cash rate. The banks never pay 4%, but\n\nChannel 1: Yeah.\n\nChannel 0: for argument's sake, if you were to put it into a term deposit for 4%, you'd be making pretty muchly nothing. It could be sort of over five years, you'd you'd make not much\n\nChannel 1: Yep.\n\nChannel 0: versus if you if we pop it into the investment, we're looking at more like an eight percent investment return. I stress tested it as well, and I'm really happy with having this kind of structure to it.\n\nChannel 1: Okay. Cool.\n\nChannel 0: And, of course, later down the line, we can always drip feed that money into the super funds later, but\n\nChannel 1: Yep.\n\nChannel 0: I wanna try and focus more on trying to get a lot of the superannuation balance balance into that tax reposition over the next few years rather than push for trickle feeding that money in. Now Centrelink is totally off the table.\n\nChannel 1: Yeah. I've gathered that. It would never be happening. I just\n\nChannel 0: Yeah.\n\nChannel 1: like, all the money disappear. Yes. I've been working on that.\n\nChannel 0: Yeah. Yeah. It is. But I I I did the research, so I popped it in for you anyway just so you could have a look at where it sits and just give you a kind of a bit of a rundown.\n\nChannel 1: At.\n\nChannel 0: So based on all the strategies today, Centrelink's on the table. These are all the assets you kind of hold. Obviously, if you upload some of the assets, we can look at what we do with it. So if we do end up selling, you know, boat two, motorcycle,\n\nChannel 1: Yeah.\n\nChannel 0: and the other car, we\n\nChannel 1: Yeah.\n\nChannel 0: could look at maybe popping that money into that investment account in the future and or it's holiday money. I know that you guys wanted to go to Italy.\n\nChannel 1: Yep.\n\nChannel 0: Italy? It was yeah. It is Italy.\n\nChannel 1: 63.\n\nChannel 0: Sorry.\n\nChannel 1: Yep.\n\nChannel 0: All of my clients are traveling at the moment. It's actually really difficult because I'm not.\n\nChannel 1: Ouch.\n\nChannel 0: So I know. It's sad. So I know you guys want to go to Italy. You'll kind of notice there's $20,000 from the house sale that's not accounted for. You currently have the liquid funds to be able to do it sitting in the offset, so it is achievable for you guys to do anyway.\n\nIt's\n\nChannel 1: Yeah.\n\nChannel 0: it's more of a permission piece, I guess, for me saying, yes. You can go to Italy. It's not going to affect you. You can quite comfortably travel travel there. You can go and do the trip you wanna do,\n\nChannel 1: Yep.\n\nChannel 0: and it's not gonna be an issue. Look. Liquidating assets, the the motorcycle, boat, car would definitely fund the trip. House\n\nChannel 1: Yep.\n\nChannel 0: sale gives you a little bit more sitting there. It's it's not not gonna be an issue for you guys to do that travel.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now essentially speaking, joint wise, nonfinancial asset as it currently stands, we have 209. Property is excluded from that and on top of it after we obviously sell the investment property. By the time we pay everything down, do all the strategies we wanna do, we'll have sort of $370,000 sitting in cash remaining. Obviously, we're investing 350 of that. And your contribution your superannuation funds after we do all the contributions, we'll be sitting at about 1.5 mil\n\nChannel 1: Yep.\n\nChannel 0: combined. What we're gonna do is obviously do those pension accounts for both of you,\n\nChannel 1: Yep.\n\nChannel 0: which means that combined, we have $2,884.60 being paid between the two accounts per fortnight into bank accounts, into your bank accounts, which gives you everything we need from there.\n\nChannel 1: Yep. Yep. Cool.\n\nChannel 0: And then from there, basically, I've just done a joint drawdown strategy to show you based on your ages, based on the total capital of the balance, in this calculation, which is done off a conservative interest.\n\nChannel 1: Yep.\n\nChannel 0: What the drawdowns would be, fees associated with the account across the years, how it operates, how it runs, and basically when we run out of money and or not, which is and or not because we\n\nChannel 1: And\n\nChannel 0: don't.\n\nChannel 1: it's not always it's not that long. '98 is very old.\n\nChannel 0: Sorry.\n\nChannel 1: '98 is\n\nChannel 0: Yeah.\n\nChannel 1: very old.\n\nChannel 0: Not '98. Yeah. Ninety eight's doing good. Doing real good.\n\nChannel 1: Very good. Yes. Yeah. How many 98 year olds are? Actually, I\n\nChannel 0: Now\n\nChannel 1: know a\n\nChannel 0: in\n\nChannel 1: crew now.\n\nChannel 0: this strategy\n\nChannel 1: Yeah.\n\nChannel 0: sorry?\n\nChannel 1: I know a few, actually. I've just our neighbors and mothers of 104. Yeah.\n\nChannel 0: Damn. Well done.\n\nChannel 1: Yeah.\n\nChannel 0: Wow. That is amazing, actually. I my my aunt, by not blood, you know, how you have those family members that\n\nChannel 1: Yes.\n\nChannel 0: are friends, but my aunt, her grandmother, 92 oh, sorry. 102.\n\nChannel 1: Wow.\n\nChannel 0: Yeah. Her\n\nChannel 1: Amazing.\n\nChannel 0: hundredth birthday was amazing. Watching her neck half a bottle of wine was impressive, actually.\n\nChannel 1: That's even\n\nChannel 0: Just\n\nChannel 1: better.\n\nChannel 0: goes to show. But you gotta yeah. You gotta drink your fruit.\n\nChannel 1: Yeah. Yeah. So what happens if just say Paul goes and gets another job next week? Oh.\n\nChannel 0: Yes. So if Paul does do that, look, it doesn't change anything drastically. It'll be a matter of Paul giving me a call and saying, hey. I have decided to go back to work.\n\nChannel 1: Yep.\n\nChannel 0: In this document, in the in the all of the outcome wordings and stuff like that, I did address it a little bit. If Paul decides to go to work, I can't account for that until I know that a, Paul is gonna go to work. When does Paul go to work? How much does Paul end up earning? Is he working, or did he go and volunteer for VINI's?\n\nPlease volunteer for VINI's. No. I'm kidding. Don't.\n\nChannel 1: I'm not\n\nChannel 0: Do whatever\n\nChannel 1: online\n\nChannel 0: you want.\n\nChannel 1: to\n\nChannel 0: That's\n\nChannel 1: continue\n\nChannel 0: okay.\n\nChannel 1: to the golf course at the moment, so I'm already here.\n\nChannel 0: Yeah. Do that.\n\nChannel 1: I'm on to the\n\nChannel 0: So\n\nChannel 1: golf\n\nChannel 0: It\n\nChannel 1: course.\n\nChannel 0: it's it's not an issue if you if you do end up doing it. You do need to give me a call, though, like, as soon as you know that you're gonna start work.\n\nChannel 1: Yeah.\n\nChannel 0: Well,\n\nChannel 1: Yeah.\n\nChannel 0: the biggest thing is is you're gonna need to call me because you don't have Superfund. You have a pension account, and a pension account can't can't take money in. It\n\nChannel 1: No.\n\nChannel 0: can only pay money out. So I need\n\nChannel 1: Correct.\n\nChannel 0: you to call me to say, hello. I started a job,\n\nChannel 1: Yes.\n\nChannel 0: and I need someone to put the money. So we can do that. That's fine.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: It's\n\nChannel 1: It's\n\nChannel 0: just\n\nChannel 1: just\n\nChannel 0: when\n\nChannel 1: yeah.\n\nChannel 0: you get to it, we'll do it.\n\nChannel 1: Yeah.\n\nChannel 0: And all we'll do is we'll just do little cute refreshes\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: and\n\nChannel 1: That's\n\nChannel 0: stuff\n\nChannel 1: fine.\n\nChannel 0: like that.\n\nChannel 1: It's just something\n\nChannel 0: Your\n\nChannel 1: that's been\n\nChannel 0: income\n\nChannel 1: going through my head. Yeah. Like, trying to find things\n\nChannel 0: that's\n\nChannel 1: to\n\nChannel 0: not\n\nChannel 1: do\n\nChannel 0: me.\n\nChannel 1: while not working very hard. It's an early it's early stages. So going to play golf, going to volunteer, going to paint houses, you know, it will run out. So I've gotta go for it. Yeah.\n\nChannel 0: Sounds\n\nChannel 1: It's\n\nChannel 0: like you should take your wife to Italy.\n\nChannel 1: just well, she's still work. My son is laughing. It's so soft and special. She's still working. We have charity to run, so we really can't just disappear for four weeks.\n\nI can't walk service less, I can't use. Oh, yeah. Well, you're going to your sister's birthday. Up. Well, that that's next year and not for September.\n\nSo so going through a landing to holidays. We never take holidays together, Narissa. That's why it's so funny. We've always\n\nChannel 0: Yeah.\n\nChannel 1: done it separately\n\nChannel 0: No.\n\nChannel 1: because Paul's always worked, and he's never taken time off. He became a workaholic. So I've done all my holidays by myself, so that's why it's so funny. Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: You you're\n\nChannel 0: No. I\n\nChannel 1: unaware.\n\nChannel 0: know. I know.\n\nChannel 1: That actually leads me to another question, and that is we were very lucky to go together to a caravan show where Paul was looking at RVs and got very excited about one and was bored alone whether he got it or not. Well, not the expenses. But just a scenario, just say he sells the car, like, next week, he sells the car, the boat, the bike, and that money is enough to go and buy an RV. Is that something he can do?\n\nChannel 0: Yeah. Yeah. Absolutely. If\n\nChannel 1: Okay.\n\nChannel 0: you if you wanna if you wanna end up putting like, selling because what? The car you're gonna sell is the $15, the second\n\nChannel 1: Yeah.\n\nChannel 0: car,\n\nChannel 1: Yeah.\n\nChannel 0: not the main car.\n\nChannel 1: Not my\n\nChannel 0: So that's\n\nChannel 1: income.\n\nChannel 0: like a $10 car. The boat's about $8, and then the\n\nChannel 1: Yes.\n\nChannel 0: motorcycle's another 10. So what's that? $28. Probably not gonna be enough for you to actually buy a\n\nChannel 1: Yeah.\n\nChannel 0: motor\n\nChannel 1: No.\n\nChannel 0: home unless\n\nChannel 1: No. No.\n\nChannel 0: we're buying a really\n\nChannel 1: That's\n\nChannel 0: small\n\nChannel 1: what\n\nChannel 0: one.\n\nChannel 1: I'm doing.\n\nChannel 0: Yeah. But theoretically speaking, you could, if you're comfortable to do so with the fact that you're gonna have a little bit extra income, which realistically knowing what your budget looks like, you should be comfortable, you could take out of your offset. You just need to know and acknowledge the fact that you're gonna start incurring intro like, more interest on your home loan over the next nine months if you do that, but you could definitely expediate it.\n\nChannel 1: Correct. Correct.\n\nChannel 0: And\n\nChannel 1: No.\n\nChannel 0: the only reason I say that you could do it now is because I do know that, a, depending on the type of motor home or caravan or whatever that you're going for, prices of for those are increasing and have\n\nChannel 1: Yep.\n\nChannel 0: been quite aggressively. So sooner rather than later could be a good idea in that in that realm. Me being able to calculate the difference between I could tell you how much like, how much your mortgage is gonna increase and what interest you're gonna incur over the next nine months\n\nChannel 1: I know.\n\nChannel 0: if\n\nChannel 1: Exactly\n\nChannel 0: you do that,\n\nChannel 1: what?\n\nChannel 0: but I don't know how much the motor home's gonna increase over the next nine months. That is noncalculable.\n\nChannel 1: Yes. Right. And that's why I wasn't doing it. Second comment. That needs to know where we stand anyway, so thank you for that.\n\nChannel 0: No. It's okay.\n\nChannel 1: Cool.\n\nChannel 0: But, like, realistically, if you if you buy the caravan in between anywhere between now and when you sell the home, it's hunky dory. The the biggest\n\nChannel 1: Yep.\n\nChannel 0: part is is just probably starting to talk to the real estate towards the end of this year about the fact that, yes, we wanna sell the home,\n\nChannel 1: Yep.\n\nChannel 0: that we don't wanna put it on the market until, like, say, the end of June. You could put it on the market at the end of June next year. That's not an issue because there's no way you're going to sell it and settle\n\nChannel 1: No.\n\nChannel 0: in two\n\nChannel 1: You're\n\nChannel 0: weeks.\n\nChannel 1: correct. No.\n\nChannel 0: And\n\nChannel 1: Exactly\n\nChannel 0: if and if\n\nChannel 1: right.\n\nChannel 0: someone comes to you and says, yeah. We're gonna buy it, settle it cash in in a week, you go, cool. Settlement's on the July 2.\n\nChannel 1: Okay. Cool.\n\nChannel 0: And you you just push it to that.\n\nChannel 1: Yep.\n\nChannel 0: So yeah. So you you could 100% put it on the market early. But I had a look at Glenfield Glendale? Glen Glenfield.\n\nChannel 1: Yeah. Glenn.\n\nChannel 0: And and I don't think you're gonna have too much of an issue selling.\n\nChannel 1: No. It doesn't follow-up. Oh, yeah. Put on it. It's been two weeks.\n\nYeah.\n\nChannel 0: Yes. Yes. So I don't think you're gonna have any issues selling. So you're pretty fine on that front. It's just it's a matter of, I guess, personal preference as to when you wanna trigger that.\n\nThe earlier you sell it, the happier it is. That area is not expected to go through a boom at the moment, so and I'll keep an eye on it over the next nine months. And when we talk in June, if it has triggered a boom, then maybe we wait a little bit. But at this point, it's not looking to like, it's pretty stable there.\n\nChannel 1: Yes.\n\nChannel 0: So we're pretty good to hold. But, yeah, cash flow wise, we're good. Money lasts long time. That drawdown strategy is only looking at the super funds. So if we want extra money, don't forget that that there's a $350,000 sitting in the investment account.\n\nSo we can also trickle trickle that through. The future considerations are those cash out recontribution strategies, maybe adding a little bit more to the investment\n\nChannel 1: Yes.\n\nChannel 0: account depending on what we end up selling those the bikes and stuff\n\nChannel 1: Yes.\n\nChannel 0: for. I know we're keeping the collectible bike. I know we're keeping the other car. Like, I know that the the big boat, the big car, the big bike, web keeping. But if that changes and you guys wanna sell and liquidate them later, we can do so, and it's just a matter of what do we do with the money at that time.\n\nAnd I already sort of have dot pointed a few strategies as to what we do, where\n\nChannel 1: Yep.\n\nChannel 0: we either invest it, we can put in away, anything like that. I think the biggest consideration for the future advice where we do the recontribution strategies, and it'll be stepped out a little bit slowly and we'll just concentrate on that as an area, is it's for our state planning side of things.\n\nChannel 1: Yes.\n\nChannel 0: Now the good thing is is that we're we're very much liquidating things a lot. Realistically speaking, I've kept to your budget that you've set, and I am so happy once we get to end of end of this financial year. If\n\nChannel 1: Yes.\n\nChannel 0: you guys do sit down and go, you know, what we wanna be a little bit more what's the opposite word to frugal?\n\nChannel 1: Frivolous. Frivolous.\n\nChannel 0: Frivolous. Thank you. We do wanna\n\nChannel 1: No. I've\n\nChannel 0: be\n\nChannel 1: got\n\nChannel 0: a little\n\nChannel 1: to work\n\nChannel 0: bit\n\nChannel 1: here.\n\nChannel 0: more frivolous,\n\nChannel 1: Yeah.\n\nChannel 0: then we can be so. Then we we can increase the amount that we draw down on our super funds. We can say stuff it to the kids. We're not leaving any money behind. You have the house\n\nChannel 1: Are we\n\nChannel 0: and spend\n\nChannel 1: You're\n\nChannel 0: our money.\n\nChannel 1: fired. My son just said you're fired. Not really. Not really.\n\nChannel 0: So sorry.\n\nChannel 1: You will, Mary.\n\nChannel 0: The biggest thing is is there's plenty there's plenty of an of an estate to leave behind for the kids. It's\n\nChannel 1: Thank\n\nChannel 0: it's\n\nChannel 1: you.\n\nChannel 0: it's really not an issue between the fact that we've the PPR, like, the the primary residence house\n\nChannel 1: Yes.\n\nChannel 0: that can get liquidated and split or they can, you know, turn into an investment property and split the the dividends, other income. It's a fully paid off property, whether, you know, us doing those recontribution strategies now or so niche rather than later means that we're putting the money into a tax reposition. So it gives them more money for anything that is left over. All of those considerations are for them. But realistically\n\nChannel 1: Okay.\n\nChannel 0: speaking, if you guys wanna increase from 75,000 to $80.85, even 90, we're still really comfortable.\n\nChannel 1: Yeah. Okay. Cool. Thank you, Louisa.\n\nChannel 0: If you guys turn around and go, no. We're actually gonna hit some really big, like, Europe hit holidays, and we're gonna you know, our budget for our holiday is not, like a 10 holiday a year. It's now a $30 holiday a year. If we're gonna\n\nChannel 1: Yes.\n\nChannel 0: go and do a really big one, then we can accommodate that. We can also just do it as an ad hoc. So if you just turn around and say, hey. This year, we're going to blah. We wanna pull the money.\n\nI could just pull it right across the two accounts.\n\nChannel 1: Yep. Okay. Alright. Wonderful. Yep.\n\nIt's all good news. Thank you, Luisa.\n\nChannel 0: Okay. So all in all, I guess, highlight are and my favorite page is probably page which page is it? Page 81.\n\nChannel 1: Yep.\n\nChannel 0: It hurts me when we start getting into the high numbers, but it's a how to implement the advice step by step. So it has each of the the time frames, the dates, the bits and pieces. It steps it out so that way it's easy to flow.\n\nChannel 1: Yep.\n\nChannel 0: And at any point when, you know, me or my team gives you a call to say, hey. I need this form signed because we're doing blah. I\n\nChannel 1: Yep.\n\nChannel 0: can be like, it's point seven of the stage one or it's\n\nChannel 1: Yep.\n\nChannel 0: paid. It's point two of stage two. So stage one is obviously from now until end of financial year. Stage two triggers the June, July of stay of 2027. So selling the property, we don't sell until July, but we can obviously put it on the market a little bit early.\n\nChannel 1: Yep.\n\nChannel 0: Downside the contributions and everything else triggers on the back of the property.\n\nChannel 1: Yep. Yes.\n\nChannel 0: It's it's just when you guys want to or when you guys start triggering things, I need you guys to just communicate\n\nChannel 1: Yes.\n\nChannel 0: with me, email me. So let me know. The biggest thing that I'm going to ask is if you can cc info in, so info at financial, just because my emails get hammered daily.\n\nChannel 1: Okay.\n\nChannel 0: And if I spend a day not looking at my emails, which happens more and more these days, I get back to my emails, have 700 of them, and then I, you know, they get they get they get buried quickly.\n\nChannel 1: Not a problem.\n\nChannel 0: Whereas if you if you email info as well, I have all all of the admin have access to that, and they pop your name into my calendar, which\n\nChannel 1: Yes.\n\nChannel 0: means that I'm there. The other thing you can do is just if you ever like, if you ever want to meet with me, just send me through a calendar invite because it pops up into my calendar, and I'll just I'll give you a call.\n\nChannel 1: Okay. Alright. Not good.\n\nChannel 0: And and that works nicely too. No. That's okay. Kaden Kaden messaged me. He's like, you realize that Helen's emailed you?\n\nI was like, no. She hasn't. He's like, yes. She has. I was like, oh, no.\n\nChannel 1: Thank\n\nChannel 0: No. No,\n\nChannel 1: you. No.\n\nChannel 0: Helen.\n\nChannel 1: You're alright, sweet. You we knew that you were chasing your tail. I think I was just more desperate to know. I've been asked nonstop at work. You're not retiring yet, are you?\n\nPlease don't retire. Please don't go. And I'm not I'm over it.\n\nChannel 0: Yeah.\n\nChannel 1: I I wanna get out right now. We've just got new management, new setup, and whatever, and I hate it with a passion. But I can stomach it for nine months or even less\n\nChannel 0: I was\n\nChannel 1: than\n\nChannel 0: gonna\n\nChannel 1: that\n\nChannel 0: say, if you\n\nChannel 1: on Thursday.\n\nChannel 0: so the second the second document so there's 82 85 pages?\n\nChannel 1: 85.\n\nChannel 0: Eighty four pages?\n\nChannel 1: Yep.\n\nChannel 0: Eighty five? Eighty five. Too many. Ages in that document. If in the second document, which is the appendix, that's attached,\n\nChannel 1: Yep.\n\nChannel 0: if you scroll down a little bit more, that has some of, like, the calculations for the alternatives that I considered, which is sort of, like, your position now versus if you drop down to part time, if we sold your PPR instead of your investment property and you then bought another smaller\n\nChannel 1: Yep.\n\nChannel 0: house. Realistically, housing prices in your area that you live\n\nChannel 1: Yeah.\n\nChannel 0: in are unstable.\n\nChannel 1: Yeah.\n\nChannel 0: Like, it it it burned. And for you guys to downsize was a\n\nChannel 1: No.\n\nChannel 0: little bit hard for me to look at. I looked at a bunch of different properties. I looked at estimates. I talked to one of my property guys trying to figure out where we could go, what we could do. And at this point, I literally turned around to Caden and was talking and my power planner was talking about your your file and going, at this point, I think Helen, Paul, and I should just go house hunting together.\n\nI'm like, it looks like it's gonna work out better than me sitting on the Internet trying to figure it out. So yeah.\n\nChannel 1: It's\n\nChannel 0: So\n\nChannel 1: all good.\n\nChannel 0: look.\n\nChannel 1: I'm not\n\nChannel 0: If\n\nChannel 1: gonna\n\nChannel 0: you\n\nChannel 1: go\n\nChannel 0: guys\n\nChannel 1: past\n\nChannel 0: do ever\n\nChannel 1: time,\n\nChannel 0: wanna\n\nChannel 1: and we're not gonna downsize at the present time. So it it is what it is. Well,\n\nChannel 0: It's\n\nChannel 1: I'm more\n\nChannel 0: a when\n\nChannel 1: than\n\nChannel 0: you\n\nChannel 1: happy\n\nChannel 0: guys are\n\nChannel 1: to wait\n\nChannel 0: wanting\n\nChannel 1: within a month.\n\nChannel 0: to do it.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: The\n\nChannel 1: that's\n\nChannel 0: the biggest the biggest comfort\n\nChannel 1: fine.\n\nChannel 0: the biggest comfort point for your PPR is that it's it's capital gains free. We're not gonna pay any capital gains tax. It's just the sales and then the repurchase of another property that's the painful part because, obviously,\n\nChannel 1: Yes.\n\nChannel 0: new property stamped due and stuff like that. The sale obviously has a lot less cost associated with it. You've\n\nChannel 1: Yes.\n\nChannel 0: got your real estate fee and conveyancer. But on the, obviously, purchase side, you've got all the transfer taxes and the searches and the conveyancer costs and and and and and and. But you'll be doing a cash sale, so it's not too too bad. It's just depending on what you can sell for and buy for.\n\nChannel 1: Yeah.\n\nChannel 0: I know that your PPR is in around that same sort of 1.45, 1.5 mark. I think I actually had a look at it. I think it's sort of sitting somewhere around the 1.63 at the\n\nChannel 1: Yeah.\n\nChannel 0: moment, to be honest, but when we\n\nChannel 1: Okay.\n\nChannel 0: spoke, you had quoted to me about 1.45, 1.5. So your PPR is increasing value a bit, but, again, the valuation I get versus what you actually get for it on market,\n\nChannel 1: Yeah.\n\nChannel 0: totally different.\n\nChannel 1: Exactly. Yes.\n\nChannel 0: Can only go so far. So that appendix, I think is about 22 pages worth. It's just the alterations of the alternatives that I considered when I\n\nChannel 1: Yep.\n\nChannel 0: was going through the plan, and it's also like, the links to each of the investments that I've recommended on and each of the accounts and then some general tidbits and information. Now I am 1000% not expecting you guys to sign this straight off the bat because there is a lot in it. You know,\n\nChannel 1: Yep.\n\nChannel 0: just a casual 107 pages combined. There's a lot of there's there's a lot of bits and pieces to it. There's a lot of moving parts. Now if you do decide to go ahead with all of it or with some of it, you'll notice in the sign in on the sign page of the SOA, there is a authority to proceed. There's a\n\nChannel 1: Yep.\n\nChannel 0: text box there that enables you to type in words. So you can type in, we don't wanna go ahead with this. We\n\nChannel 1: Yep.\n\nChannel 0: wanna\n\nChannel 1: Okay.\n\nChannel 0: hold off on this, whatever\n\nChannel 1: Yeah.\n\nChannel 0: the case may be. Obviously, it did the trigger points. I'm gonna talk to you anyway because this document carries us over more than twelve months.\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna talk to you anyway throughout each point to be like, hey. You know, you guys are like, I'm selling the house. We're like, cool. So the sale of the house triggers this, this, this, and this. We're still\n\nChannel 1: Yeah.\n\nChannel 0: comfortable to go ahead with each of these.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Cool.\n\nChannel 0: because there's gonna be application documents for everything we need to go through, we're gonna be able to do that.\n\nChannel 1: Alright.\n\nChannel 0: Now\n\nChannel 1: Cool.\n\nChannel 0: if you're happy to trigger stage one,\n\nChannel 1: Yep.\n\nChannel 0: and it's it's it's upon your it's upon your time frame, really. If you're happy to trigger stage one, realistically, the the thing that I need is bank details from you both,\n\nChannel 1: Yep.\n\nChannel 0: which I'm happy for you to email me after you've had a chance to sit down, talk, and Glenn and I have been talking here for an hour and a quarter.\n\nChannel 1: Yep.\n\nChannel 0: Sit down, talk, and then you can email me with the bank details, and I can pre fill out those forms for the pension accounts so we can get the full allocated pension to Paul and then that partial transition to retirement strategy set up for Helen. And I can\n\nChannel 1: Okay.\n\nChannel 0: do up the sales tax letter and so on and so forth.\n\nChannel 1: Alright. No problem. Well, I'll have a look at it this afternoon. The first thing I gotta do is sell the company shares. Yeah.\n\nYeah.\n\nChannel 0: So the company shares it's just this financial year, really, it it you you have time. It's this\n\nChannel 1: Yeah.\n\nChannel 0: financial year. If you have any questions when it comes down to it or you, you know, you you wanna sort of talk about it or or, you know, you get a statement from them, because I know you've accumulated them over a long time.\n\nChannel 1: Yes.\n\nChannel 0: You can let me know.\n\nChannel 1: Yep.\n\nChannel 0: But sitting down there with the account and having a having a talk to them, I looked at the highest possible tax capital gains that you could pay, which would basically be as if you had not like, it's $30 worth of cap like, $30 worth of capital gains added to your income. It pushes you into $70 worth of income. It's not it's not a lot. Like, I'm it's really not a lot. And\n\nChannel 1: No.\n\nChannel 0: the disposing of them now rather than holding them is just it just liquidate things and get you in a better position.\n\nChannel 1: Yep.\n\nChannel 0: It gives you $30 worth of a a cash buffer. That's $30 closer to buying a caravan.\n\nChannel 1: Yep. Yep. Exactly. Yep. Okay.\n\nWonderful. Alright. We'll have a look at it all this afternoon. I was gonna read it over the weekend while I'm cooking brisket. No.\n\nYou've got grandchildren. You won't have a chance to to read it. Mhmm. We'll have a look at it this afternoon while it's quiet and get back to you ASAP so I think we can start moving. Yeah.\n\nChannel 0: That's fine. If you have any questions or you you wanna know anything, just send through an email, and I'll I'll we can organize another call or I can respond in in text either either way, depending on how\n\nChannel 1: Okay.\n\nChannel 0: complex it is, and go from there. Okay?\n\nChannel 1: Okay. Thank you. Alright. Awesome, Luis. So thank you ever so much for your time.\n\nAnd, hopefully, this\n\nChannel 0: That's\n\nChannel 1: is\n\nChannel 0: okay.\n\nChannel 1: one less thing on your agenda, and you get to sleep tonight.\n\nChannel 0: No. Who who needs sleep? Sleep for the dead. We're okay.\n\nChannel 1: You love it, really. It's a challenge.\n\nChannel 0: I've no. I really do. And I hope your son has unfired me, by the way.\n\nChannel 1: No. He's alright. I think he's just rubbing his hands going, woohoo. I've got rich parents. Yay.\n\nHe's just bought his third investment\n\nChannel 0: I\n\nChannel 1: property.\n\nChannel 0: think so\n\nChannel 1: Right?\n\nChannel 0: too.\n\nChannel 1: Yeah. He's doing alright. So no. Alright. Well, thank you ever so much for your time.\n\nChannel 0: That's okay, my darlings. You guys have a lovely rest of the day, and shout\n\nChannel 1: We\n\nChannel 0: out if\n\nChannel 1: will.\n\nChannel 0: you need anything.\n\nChannel 1: You're welcome. To all the rest\n\nChannel 0: Okay.\n\nChannel 1: of your meetings too.\n\nChannel 0: Oh, yeah. I've got a full agenda today, but that's alright. We love it.\n\nChannel 1: Alright. Well, take it easy. Alright. Take care of\n\nChannel 0: Bye,\n\nChannel 1: yourself.\n\nChannel 0: guys.\n\nChannel 1: Thanks, Louisa. Bye bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.029800239950418472}],"sentiment":"neutral","sentiment_score":0.029800239950418472,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi.","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.1091776043176651},{"text":"Paul, Larissa with you.","start":3.12,"end":4.4,"sentiment":"neutral","sentiment_score":0.15159348584711552},{"text":"How are you going?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.20815377682447433}],"sentiment":"neutral","sentiment_score":0.1720185172226694,"channel":0,"num_words":9,"start":2.56,"end":5.2999997},{"sentences":[{"text":"Good.","start":5.12,"end":5.52,"sentiment":"positive","sentiment_score":0.4720593690872192},{"text":"But it's I've got you down to Turner And Freeman.","start":5.52,"end":7.68,"sentiment":"neutral","sentiment_score":0.05534582585096359},{"text":"I don't know why.","start":7.68,"end":8.74,"sentiment":"neutral","sentiment_score":-0.17656517773866653}],"sentiment":"neutral","sentiment_score":0.0212837944428126,"channel":1,"num_words":15,"start":5.12,"end":8.74},{"sentences":[{"text":"I mean, be anyone you want me to be, really.","start":12.32,"end":15.235,"sentiment":"neutral","sentiment_score":-0.06117423437535763}],"sentiment":"neutral","sentiment_score":-0.06117423437535763,"channel":0,"num_words":10,"start":12.32,"end":15.235},{"sentences":[{"text":"Okay.","start":15.535,"end":16.035,"sentiment":"neutral","sentiment_score":0.08469872176647186},{"text":"I was just alright.","start":17.535,"end":19.315,"sentiment":"neutral","sentiment_score":0.12315506674349308},{"text":"Helen's with me now.","start":19.455,"end":20.755001,"sentiment":"neutral","sentiment_score":0.146603774279356}],"sentiment":"neutral","sentiment_score":0.1293037873175409,"channel":1,"num_words":9,"start":15.535,"end":20.755001},{"sentences":[{"text":"Perfect.","start":21.535,"end":22.035,"sentiment":"positive","sentiment_score":0.5098335146903992},{"text":"Hi, Helen.","start":22.095,"end":22.735,"sentiment":"neutral","sentiment_score":0.27316202968358994},{"text":"How are you going?","start":22.735,"end":23.634998,"sentiment":"neutral","sentiment_score":0.2186090610921383}],"sentiment":"neutral","sentiment_score":0.2757991169180189,"channel":0,"num_words":7,"start":21.535,"end":23.634998},{"sentences":[{"text":"Hi, Luther.","start":23.695,"end":24.494999,"sentiment":"neutral","sentiment_score":0.21688160300254822},{"text":"I'm fine.","start":24.494999,"end":24.975,"sentiment":"neutral","sentiment_score":0.32982657849788666},{"text":"Thanks.","start":24.975,"end":25.295,"sentiment":"positive","sentiment_score":0.45296710729599},{"text":"Yourself?","start":25.295,"end":25.795,"sentiment":"neutral","sentiment_score":0.18140074610710144}],"sentiment":"neutral","sentiment_score":0.28796403606732685,"channel":1,"num_words":6,"start":23.695,"end":25.795},{"sentences":[{"text":"Yeah.","start":27.0,"end":27.24,"sentiment":"neutral","sentiment_score":0.1585257351398468},{"text":"Not bad.","start":27.24,"end":27.960001,"sentiment":"neutral","sentiment_score":0.21281717717647552},{"text":"How how is Canberra going?","start":27.960001,"end":29.64,"sentiment":"neutral","sentiment_score":0.152461501955986},{"text":"Nice and cold?","start":29.64,"end":30.54,"sentiment":"neutral","sentiment_score":0.15833430488904318}],"sentiment":"neutral","sentiment_score":0.16558822853998703,"channel":0,"num_words":11,"start":27.0,"end":30.54},{"sentences":[{"text":"Just a little bit on the cool side.","start":30.96,"end":32.82,"sentiment":"neutral","sentiment_score":0.11838290560990572},{"text":"Someone opens up the front door in the morning to get a nice breeze through the house when it's one degree.","start":33.84,"end":38.739998,"sentiment":"neutral","sentiment_score":0.197317521132174}],"sentiment":"neutral","sentiment_score":0.17554245478120342,"channel":1,"num_words":29,"start":30.96,"end":38.739998},{"sentences":[{"text":"One one one degree.","start":40.36,"end":41.98,"sentiment":"neutral","sentiment_score":0.0313550578430295}],"sentiment":"neutral","sentiment_score":0.0313550578430295,"channel":0,"num_words":4,"start":40.36,"end":41.98},{"sentences":[{"text":"One 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frozen.","start":45.035,"end":45.855,"sentiment":"neutral","sentiment_score":-0.0733957327902317}],"sentiment":"neutral","sentiment_score":-0.05986653566360474,"channel":1,"num_words":5,"start":44.235,"end":45.855},{"sentences":[{"text":"Okay.","start":47.225,"end":47.725,"sentiment":"neutral","sentiment_score":0.036963313817977905},{"text":"Yeah.","start":47.945,"end":48.445,"sentiment":"neutral","sentiment_score":0.04205722361803055},{"text":"That's","start":48.905,"end":49.405,"sentiment":"neutral","sentiment_score":0.053162187337875366}],"sentiment":"neutral","sentiment_score":0.04406090825796127,"channel":0,"num_words":3,"start":47.225,"end":49.405},{"sentences":[{"text":"So","start":49.195,"end":49.434998,"sentiment":"neutral","sentiment_score":0.07988712191581726}],"sentiment":"neutral","sentiment_score":0.07988712191581726,"channel":1,"num_words":1,"start":49.195,"end":49.434998},{"sentences":[{"text":"that's fair.","start":49.704998,"end":50.684998,"sentiment":"neutral","sentiment_score":0.0725550651550293},{"text":"That's","start":50.985,"end":51.385,"sentiment":"neutral","sentiment_score":0.027763990685343742}],"sentiment":"neutral","sentiment_score":0.057624706998467445,"channel":0,"num_words":3,"start":49.704998,"end":51.385},{"sentences":[{"text":"Yep.","start":51.355,"end":51.855,"sentiment":"neutral","sentiment_score":-0.005560568533837795}],"sentiment":"neutral","sentiment_score":-0.005560568533837795,"channel":1,"num_words":1,"start":51.355,"end":51.855},{"sentences":[{"text":"that's a little bit nippy, guys.","start":51.385,"end":52.925,"sentiment":"negative","sentiment_score":-0.36215126017729443}],"sentiment":"negative","sentiment_score":-0.36215126017729443,"channel":0,"num_words":6,"start":51.385,"end":52.925},{"sentences":[{"text":"Just a little bit.","start":53.195,"end":54.155,"sentiment":"neutral","sentiment_score":-0.19198403880000114},{"text":"Just a little 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lie.","start":55.145,"end":55.89,"sentiment":"neutral","sentiment_score":-0.23068152368068695}],"sentiment":"neutral","sentiment_score":-0.23068152368068695,"channel":0,"num_words":2,"start":55.145,"end":55.89},{"sentences":[{"text":"it's like walking to the dairy counter at Costco.","start":56.210003,"end":58.550003,"sentiment":"neutral","sentiment_score":-0.12379050337606007}],"sentiment":"neutral","sentiment_score":-0.12379050337606007,"channel":1,"num_words":9,"start":56.210003,"end":58.550003},{"sentences":[{"text":"That's yep.","start":61.809998,"end":61.89,"sentiment":"neutral","sentiment_score":-0.10414575412869453},{"text":"That's there.","start":61.89,"end":62.71,"sentiment":"neutral","sentiment_score":-0.03707536216825247}],"sentiment":"neutral","sentiment_score":-0.0706105581484735,"channel":0,"num_words":4,"start":61.809998,"end":62.71},{"sentences":[{"text":"I've just received","start":63.65,"end":64.630005,"sentiment":"neutral","sentiment_score":0.031175960476199787}],"sentiment":"neutral","sentiment_score":0.031175960476199787,"channel":1,"num_words":3,"start":63.65,"end":64.630005},{"sentences":[{"text":"Yes.","start":64.369995,"end":64.869995,"sentiment":"neutral","sentiment_score":0.07462254911661148}],"sentiment":"neutral","sentiment_score":0.07462254911661148,"channel":0,"num_words":1,"start":64.369995,"end":64.869995},{"sentences":[{"text":"two emails from you, Larissa, about signing the paperwork.","start":65.01,"end":68.23,"sentiment":"neutral","sentiment_score":0.06193560568822755}],"sentiment":"neutral","sentiment_score":0.06193560568822755,"channel":1,"num_words":9,"start":65.01,"end":68.23},{"sentences":[{"text":"That is that's just the SOA that we're gonna go through.","start":69.745,"end":72.545,"sentiment":"neutral","sentiment_score":0.06664575399322943},{"text":"I figured I'd get it to you while we could so we could talk through 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one.","start":77.424995,"end":80.885,"sentiment":"neutral","sentiment_score":0.11967030007924352}],"sentiment":"neutral","sentiment_score":0.10882570006345448,"channel":0,"num_words":19,"start":76.545,"end":80.885},{"sentences":[{"text":"Okay.","start":81.035,"end":81.535,"sentiment":"neutral","sentiment_score":0.07715380936861038},{"text":"No worries.","start":81.675,"end":82.415,"sentiment":"neutral","sentiment_score":0.07363668084144592},{"text":"Statement.","start":84.29,"end":84.79,"sentiment":"neutral","sentiment_score":0.07228958606719971}],"sentiment":"neutral","sentiment_score":0.07417918927967548,"channel":1,"num_words":4,"start":81.035,"end":84.79},{"sentences":[{"text":"Rather than me, like, talk numbers at you the whole time, figured it was a little bit easier to kind of so you could read and ask questions as we go through.","start":85.99,"end":93.61,"sentiment":"neutral","sentiment_score":0.09684336837381124}],"sentiment":"neutral","sentiment_score":0.09684336837381124,"channel":0,"num_words":32,"start":85.99,"end":93.61},{"sentences":[{"text":"Yes.","start":93.33,"end":93.83,"sentiment":"neutral","sentiment_score":0.05768892541527748},{"text":"Okay.","start":93.97,"end":94.369995,"sentiment":"neutral","sentiment_score":0.05479170009493828},{"text":"Alright.","start":94.369995,"end":94.77,"sentiment":"neutral","sentiment_score":0.07711248099803925},{"text":"Not a problem.","start":94.77,"end":95.57,"sentiment":"neutral","sentiment_score":0.06860982502500217},{"text":"Far away.","start":95.57,"end":96.31,"sentiment":"neutral","sentiment_score":0.00741036981344223}],"sentiment":"neutral","sentiment_score":0.051280415151268244,"channel":1,"num_words":8,"start":93.33,"end":96.31},{"sentences":[{"text":"Perfect.","start":97.034996,"end":97.275,"sentiment":"neutral","sentiment_score":0.2470487654209137},{"text":"Well, before I do jump into it, even though I've jumped the gun, I do need to let you know that our calls are recorded.","start":97.275,"end":103.534996,"sentiment":"neutral","sentiment_score":0.03875240497291088},{"text":"And if I could just get you to confirm security, just date of birth for both of you when someone say the address on file.","start":104.075,"end":111.134995,"sentiment":"neutral","sentiment_score":0.04925714939832687}],"sentiment":"neutral","sentiment_score":0.04798603185689917,"channel":0,"num_words":51,"start":97.034996,"end":111.134995},{"sentences":[{"text":"Okay.","start":111.765,"end":112.265,"sentiment":"neutral","sentiment_score":0.033709071576595306},{"text":"So it's Helen Hobbs, 24th Of The 126319 8th Street, This 0.2284.","start":112.840004,"end":120.06,"sentiment":"neutral","sentiment_score":0.03586563110972444}],"sentiment":"neutral","sentiment_score":0.035699741914868355,"channel":1,"num_words":13,"start":111.765,"end":120.06},{"sentences":[{"text":"Perfect.","start":121.18,"end":121.68,"sentiment":"neutral","sentiment_score":0.19689109921455383}],"sentiment":"neutral","sentiment_score":0.19689109921455383,"channel":0,"num_words":1,"start":121.18,"end":121.68},{"sentences":[{"text":"Oh, sorry.","start":123.48,"end":124.22,"sentiment":"neutral","sentiment_score":0.019531648606061935},{"text":"Paul Hobbs.","start":124.6,"end":125.5,"sentiment":"neutral","sentiment_score":0.002974725328385829},{"text":"Date of birth?","start":126.205,"end":126.924995,"sentiment":"neutral","sentiment_score":-0.0073389686294831336},{"text":"Twenty thirty eleven sixty two nineteen eight","start":126.924995,"end":130.605,"sentiment":"neutral","sentiment_score":0.010440452157386712}],"sentiment":"neutral","sentiment_score":0.006862786220153794,"channel":1,"num_words":14,"start":123.48,"end":130.605},{"sentences":[{"text":"Yep.","start":130.445,"end":130.945,"sentiment":"neutral","sentiment_score":0.025892257690429688}],"sentiment":"neutral","sentiment_score":0.025892257690429688,"channel":0,"num_words":1,"start":130.445,"end":130.945},{"sentences":[{"text":"Bierce Point.","start":131.08499,"end":131.905,"sentiment":"neutral","sentiment_score":0.039716001600027084}],"sentiment":"neutral","sentiment_score":0.039716001600027084,"channel":1,"num_words":2,"start":131.08499,"end":131.905},{"sentences":[{"text":"No.","start":132.605,"end":132.845,"sentiment":"neutral","sentiment_score":-0.022475864738225937},{"text":"You're perfect.","start":132.845,"end":133.585,"sentiment":"positive","sentiment_score":0.44379496574401855},{"text":"I love I love that we forgot our our date of birth for a hot second.","start":135.885,"end":139.105,"sentiment":"positive","sentiment_score":0.582021052017808}],"sentiment":"positive","sentiment_score":0.5356553104755125,"channel":0,"num_words":19,"start":132.605,"end":139.105},{"sentences":[{"text":"Yeah.","start":139.645,"end":140.045,"sentiment":"neutral","sentiment_score":0.014687974005937576},{"text":"I I I struggle to remember 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fine.","start":163.105,"end":164.005,"sentiment":"neutral","sentiment_score":0.33105215430259705},{"text":"Live live that life.","start":164.465,"end":165.425,"sentiment":"positive","sentiment_score":0.543323241174221},{"text":"That sounds great.","start":165.425,"end":166.405,"sentiment":"positive","sentiment_score":0.767466684182485},{"text":"Because you get to do things on your own time.","start":167.105,"end":168.88,"sentiment":"positive","sentiment_score":0.47834674417972567}],"sentiment":"positive","sentiment_score":0.4584174178202044,"channel":0,"num_words":22,"start":161.985,"end":168.88},{"sentences":[{"text":"Means you can say, oh, no.","start":168.88,"end":170.24,"sentiment":"neutral","sentiment_score":0.1518205770601829},{"text":"I'm a bit busy this week.","start":170.24,"end":171.7,"sentiment":"neutral","sentiment_score":-0.10099067042271297}],"sentiment":"neutral","sentiment_score":0.025414953318734963,"channel":0,"num_words":12,"start":168.88,"end":171.7},{"sentences":[{"text":"Yeah.","start":171.99501,"end":172.49501,"sentiment":"neutral","sentiment_score":0.00909268856048584}],"sentiment":"neutral","sentiment_score":0.00909268856048584,"channel":1,"num_words":1,"start":171.99501,"end":172.49501},{"sentences":[{"text":"Anyway, let's jump into it.","start":174.95999,"end":176.4,"sentiment":"neutral","sentiment_score":0.07650807201862335},{"text":"So, basically, what I'm gonna do is I'm gonna give a high level overview of everything, and then we'll get down into the nitty gritty.","start":176.4,"end":183.685,"sentiment":"neutral","sentiment_score":0.11609901189804077},{"text":"But essentially speaking, from all the conversations we've had, basically, Paul wanted to retire and you 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do.","start":216.245,"end":225.65,"sentiment":"neutral","sentiment_score":0.14458361000586778},{"text":"So I only got nine months left","start":226.34999,"end":228.76999,"sentiment":"neutral","sentiment_score":0.0890783720782825}],"sentiment":"neutral","sentiment_score":0.13605180176648687,"channel":0,"num_words":47,"start":215.285,"end":228.76999},{"sentences":[{"text":"Yep.","start":229.24,"end":229.74,"sentiment":"neutral","sentiment_score":0.07667850703001022}],"sentiment":"neutral","sentiment_score":0.07667850703001022,"channel":1,"num_words":1,"start":229.24,"end":229.74},{"sentences":[{"text":"and then you can pack that pack that away and finish working yourself.","start":230.18999,"end":234.12999,"sentiment":"neutral","sentiment_score":0.17963100740542778},{"text":"That makes sure that we have enough assets, enough income to be able to do everything we're wanting to do.","start":235.685,"end":240.745,"sentiment":"neutral","sentiment_score":0.29698859751224516},{"text":"It gives us the income we need to be able to survive based on the budget you've given me.","start":241.045,"end":245.92499,"sentiment":"positive","sentiment_score":0.3335594304821586},{"text":"I gave you a little bit of an extra buffer in terms of an income drawdown as well because realistically, things happen and sometimes we splurge, and you guys deserve to do so.","start":245.92499,"end":256.56,"sentiment":"neutral","sentiment_score":0.2590138451619582}],"sentiment":"neutral","sentiment_score":0.272471307247307,"channel":0,"num_words":85,"start":230.18999,"end":256.56},{"sentences":[{"text":"Okay.","start":256.88,"end":257.38,"sentiment":"neutral","sentiment_score":0.1793200969696045}],"sentiment":"neutral","sentiment_score":0.1793200969696045,"channel":1,"num_words":1,"start":256.88,"end":257.38},{"sentences":[{"text":"So the things I haven't taken into consideration is I know you guys said that you're willing to and you're obviously looking to sell the existing caravan, the noncollectible motorcycle, the second boat, and","start":257.74,"end":272.335,"sentiment":"neutral","sentiment_score":0.0426772619214128}],"sentiment":"neutral","sentiment_score":0.0426772619214128,"channel":0,"num_words":34,"start":257.74,"end":272.335},{"sentences":[{"text":"Yep.","start":272.155,"end":272.655,"sentiment":"neutral","sentiment_score":0.06409487873315811}],"sentiment":"neutral","sentiment_score":0.06409487873315811,"channel":1,"num_words":1,"start":272.155,"end":272.655},{"sentences":[{"text":"probably the second vehicle.","start":272.335,"end":273.69498,"sentiment":"neutral","sentiment_score":0.03676358889788389},{"text":"I haven't considered those just because the timeline for you guys to actually sell them is when it 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that essentially, you're going to salary sacrifice $841.54 per fortnight.","start":362.485,"end":371.88,"sentiment":"neutral","sentiment_score":-0.07693941618005434},{"text":"So that's","start":372.1,"end":372.42,"sentiment":"neutral","sentiment_score":0.08459357917308807}],"sentiment":"neutral","sentiment_score":-0.06149000275052256,"channel":0,"num_words":45,"start":354.965,"end":372.42},{"sentences":[{"text":"Yep.","start":372.415,"end":372.915,"sentiment":"neutral","sentiment_score":0.11113612353801729}],"sentiment":"neutral","sentiment_score":0.11113612353801729,"channel":1,"num_words":1,"start":372.415,"end":372.915},{"sentences":[{"text":"gonna come out of your gross income, which equates to $21,880 across the 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recommending that we do from basically now until the end of this financial year.","start":424.47,"end":432.71,"sentiment":"neutral","sentiment_score":0.18448864957017283},{"text":"Okay?","start":432.71,"end":433.21,"sentiment":"neutral","sentiment_score":0.14683467149734497}],"sentiment":"neutral","sentiment_score":0.187052202783525,"channel":0,"num_words":60,"start":415.155,"end":433.21},{"sentences":[{"text":"Yep.","start":433.62,"end":434.12,"sentiment":"neutral","sentiment_score":0.23076558113098145}],"sentiment":"neutral","sentiment_score":0.23076558113098145,"channel":1,"num_words":1,"start":433.62,"end":434.12},{"sentences":[{"text":"Now essentially, what this is gonna do is this saves on tax.","start":435.11002,"end":440.545,"sentiment":"neutral","sentiment_score":0.28289172053337097},{"text":"So we end up saving I should know the number.","start":440.545,"end":444.545,"sentiment":"neutral","sentiment_score":0.32582599520683286},{"text":"I've only looked at it 15,000 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we get a little bit income coming to you guys at the moment for the next nine months just to be able to keep up with the expenses that we have.","start":496.67,"end":505.91498,"sentiment":"neutral","sentiment_score":0.25070834532380104},{"text":"So it basically, we take the entirety of your balance that you currently have, and we push that over from an accumulation phase into an account based pension 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I take into consideration and I look at because some of the investment can be costly","start":774.13,"end":783.58997,"sentiment":"neutral","sentiment_score":0.005143063357816293}],"sentiment":"neutral","sentiment_score":0.0178238424899367,"channel":0,"num_words":48,"start":771.055,"end":783.58997},{"sentences":[{"text":"Yep.","start":783.935,"end":784.435,"sentiment":"neutral","sentiment_score":-0.00416675116866827}],"sentiment":"neutral","sentiment_score":-0.00416675116866827,"channel":1,"num_words":1,"start":783.935,"end":784.435},{"sentences":[{"text":"from an underlying cost base, and I wanna make sure I consider that in the overall operations of it.","start":784.37,"end":789.875,"sentiment":"neutral","sentiment_score":0.03755577663449865},{"text":"So I considered how that all looks across the account and was able to, yeah, literally cut it in more than half, which was actually 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fantastic.","start":825.585,"end":828.645,"sentiment":"positive","sentiment_score":0.6924733320871989}],"sentiment":"positive","sentiment_score":0.6924733320871989,"channel":0,"num_words":6,"start":825.585,"end":828.645},{"sentences":[{"text":"Yep.","start":829.83997,"end":830.31995,"sentiment":"positive","sentiment_score":0.47909170389175415},{"text":"Awesome.","start":830.31995,"end":830.81995,"sentiment":"positive","sentiment_score":0.7049523591995239}],"sentiment":"positive","sentiment_score":0.592022031545639,"channel":1,"num_words":2,"start":829.83997,"end":830.81995},{"sentences":[{"text":"And we were able to save some stuff.","start":832.06,"end":834.32,"sentiment":"positive","sentiment_score":0.513338047079742},{"text":"Now performance wise, Paul, your your your performance across historical performance data increases by that 2% year on year.","start":834.62,"end":848.40497,"sentiment":"positive","sentiment_score":0.3765040745860652},{"text":"Helen, yours is actually pretty much in line with each other.","start":848.46497,"end":851.82495,"sentiment":"positive","sentiment_score":0.5709257396784696},{"text":"Like, I it's because I haven't changed too much of the assets around.","start":851.82495,"end":855.44495,"sentiment":"neutral","sentiment_score":0.21336614455168063},{"text":"It's just I had more of a focus to Helen on actually looking at the the the investment cost than the performance because the performance was really working well within your your investment.","start":856.14496,"end":869.54004,"sentiment":"neutral","sentiment_score":0.32365753614541254}],"sentiment":"positive","sentiment_score":0.368987184550081,"channel":0,"num_words":84,"start":832.06,"end":869.54004},{"sentences":[{"text":"It was just a matter of that performance cost was a little bit higher than what I would not necessarily like, I guess.","start":869.92004,"end":875.655,"sentiment":"neutral","sentiment_score":0.00487752760881963},{"text":"Now is everything making sense, or am I 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that","start":898.25,"end":901.45,"sentiment":"neutral","sentiment_score":-0.0023337366059422494}],"sentiment":"neutral","sentiment_score":-0.0023337366059422494,"channel":1,"num_words":5,"start":898.25,"end":901.45},{"sentences":[{"text":"Yes.","start":901.41003,"end":901.845,"sentiment":"neutral","sentiment_score":-0.002885216847062111}],"sentiment":"neutral","sentiment_score":-0.002885216847062111,"channel":0,"num_words":1,"start":901.41003,"end":901.845},{"sentences":[{"text":"doesn't that doesn't include the investment property when we go to sell that guy, does it?","start":901.45,"end":905.505,"sentiment":"neutral","sentiment_score":-0.015319350874051452}],"sentiment":"neutral","sentiment_score":-0.015319350874051452,"channel":1,"num_words":16,"start":901.45,"end":905.505},{"sentences":[{"text":"No.","start":906.165,"end":906.40497,"sentiment":"neutral","sentiment_score":-0.04200740158557892},{"text":"That's just within the that's just within the","start":906.40497,"end":908.425,"sentiment":"neutral","sentiment_score":-0.013490962504874915}],"sentiment":"neutral","sentiment_score":-0.016659455736064248,"channel":0,"num_words":9,"start":906.165,"end":908.425},{"sentences":[{"text":"Yeah.","start":908.78503,"end":909.28503,"sentiment":"neutral","sentiment_score":0.0035486631095409393}],"sentiment":"neutral","sentiment_score":0.0035486631095409393,"channel":1,"num_words":1,"start":908.78503,"end":909.28503},{"sentences":[{"text":"the the the superannuation account.","start":908.805,"end":911.365,"sentiment":"neutral","sentiment_score":0.0055093146860599514},{"text":"Yeah.","start":911.365,"end":911.685,"sentiment":"neutral","sentiment_score":0.03827591985464096},{"text":"I'll I'll get I'll get to the investment copy.","start":911.685,"end":913.52496,"sentiment":"neutral","sentiment_score":0.026096940454509523},{"text":"Don't you 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apologize.","start":917.33,"end":918.07,"sentiment":"neutral","sentiment_score":-0.0769277773797512},{"text":"Not at all.","start":918.29004,"end":919.11005,"sentiment":"neutral","sentiment_score":-0.043014343827962875},{"text":"Fire questions away.","start":919.17004,"end":920.21,"sentiment":"neutral","sentiment_score":0.02350592116514842},{"text":"I'm always happy to answer questions.","start":920.21,"end":921.91003,"sentiment":"neutral","sentiment_score":0.29094843069712323}],"sentiment":"neutral","sentiment_score":0.09907054801781973,"channel":0,"num_words":15,"start":916.93005,"end":921.91003},{"sentences":[{"text":"Absolutely.","start":922.37006,"end":922.87006,"sentiment":"neutral","sentiment_score":0.13983570039272308},{"text":"Now I'm on sort of page 33 ish because 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just I would like to make a move and a pivot on it eventually, and that'll sort of come in a few months' time.","start":1108.3049,"end":1116.1799,"sentiment":"neutral","sentiment_score":0.2306778210401535}],"sentiment":"neutral","sentiment_score":0.12893110191957516,"channel":0,"num_words":44,"start":1101.985,"end":1116.1799},{"sentences":[{"text":"Okay.","start":1116.13,"end":1116.63,"sentiment":"neutral","sentiment_score":0.03615719825029373}],"sentiment":"neutral","sentiment_score":0.03615719825029373,"channel":1,"num_words":1,"start":1116.13,"end":1116.63},{"sentences":[{"text":"And by a few months, I mean, probably closer to 12.","start":1116.1799,"end":1118.44,"sentiment":"neutral","sentiment_score":0.08727166598493402},{"text":"So rather than overcomplicate things by saying let's do this now and then this in twelve months, I just figured I'd stage one, and I have left myself a nice note as to where I wanna head next year anyway.","start":1118.98,"end":1127.64,"sentiment":"neutral","sentiment_score":0.21309633888304233},{"text":"And I figured I'd hold off and depending on how the market goes, we might I might change that anyway.","start":1127.8151,"end":1132.0751,"sentiment":"neutral","sentiment_score":0.07726962044835091}],"sentiment":"neutral","sentiment_score":0.15534132802990122,"channel":0,"num_words":71,"start":1116.1799,"end":1132.0751},{"sentences":[{"text":"Okay.","start":1132.605,"end":1133.105,"sentiment":"neutral","sentiment_score":0.1319698989391327}],"sentiment":"neutral","sentiment_score":0.1319698989391327,"channel":1,"num_words":1,"start":1132.605,"end":1133.105},{"sentences":[{"text":"I looked at too many things to be able to wrap my head around, but it's okay.","start":1134.135,"end":1138.155,"sentiment":"neutral","sentiment_score":0.09636509725276161},{"text":"So that's where the assets fit from that perspective.","start":1139.8301,"end":1142.0701,"sentiment":"neutral","sentiment_score":0.2170950108104282},{"text":"So not a huge amount of changes.","start":1142.0701,"end":1143.8501,"sentiment":"neutral","sentiment_score":0.09176723552601677},{"text":"Just for you, it's literally just a a straight one for one swap.","start":1143.99,"end":1147.13,"sentiment":"neutral","sentiment_score":0.2831789002968715},{"text":"I'm","start":1147.67,"end":1147.8301,"sentiment":"neutral","sentiment_score":0.2077505588531494}],"sentiment":"neutral","sentiment_score":0.17284060982947655,"channel":0,"num_words":47,"start":1134.135,"end":1147.8301},{"sentences":[{"text":"Yes.","start":1147.69,"end":1148.19,"sentiment":"neutral","sentiment_score":0.22729051113128665}],"sentiment":"neutral","sentiment_score":0.22729051113128665,"channel":1,"num_words":1,"start":1147.69,"end":1148.19},{"sentences":[{"text":"not rebalancing anything in your account because, again, triggers capital gains, so I don't wanna push that rebalance.","start":1147.8301,"end":1152.65,"sentiment":"neutral","sentiment_score":0.09979420610600048},{"text":"It's not too far off kilter in terms of asset holdings.","start":1154.5449,"end":1158.705,"sentiment":"neutral","sentiment_score":0.13685880533673547},{"text":"You're a little bit high in gold, but that's not like, like, I'm I'm okay with that at the moment.","start":1158.705,"end":1165.985,"sentiment":"neutral","sentiment_score":0.2188358012586832},{"text":"It's not anything too bad.","start":1165.985,"end":1167.6901,"sentiment":"neutral","sentiment_score":0.28334082663059235},{"text":"And we're only gonna ride that for for nine months, basically, because what I wanna do is we're gonna connect later late June at the latest","start":1167.91,"end":1178.0901,"sentiment":"positive","sentiment_score":0.3668941253652939}],"sentiment":"neutral","sentiment_score":0.23293012483045458,"channel":0,"num_words":80,"start":1147.8301,"end":1178.0901},{"sentences":[{"text":"Yep.","start":1178.5299,"end":1179.0299,"sentiment":"positive","sentiment_score":0.3356174826622009}],"sentiment":"positive","sentiment_score":0.3356174826622009,"channel":1,"num_words":1,"start":1178.5299,"end":1179.0299},{"sentences":[{"text":"to basically touch base, make sure that you're all happy to pack up and go from there.","start":1179.005,"end":1183.425,"sentiment":"positive","sentiment_score":0.4002108433667351}],"sentiment":"positive","sentiment_score":0.4002108433667351,"channel":0,"num_words":17,"start":1179.005,"end":1183.425},{"sentences":[{"text":"Okay.","start":1183.73,"end":1184.23,"sentiment":"neutral","sentiment_score":0.21222034096717832}],"sentiment":"neutral","sentiment_score":0.21222034096717832,"channel":1,"num_words":1,"start":1183.73,"end":1184.23},{"sentences":[{"text":"Now does all of that make sense?","start":1186.045,"end":1191.885,"sentiment":"neutral","sentiment_score":0.22059794621808188},{"text":"Like, that's that side of things is pretty straightforward in","start":1191.885,"end":1195.7101,"sentiment":"positive","sentiment_score":0.3842637687921524}],"sentiment":"neutral","sentiment_score":0.3168719594969469,"channel":0,"num_words":17,"start":1186.045,"end":1195.7101},{"sentences":[{"text":"Yep.","start":1195.585,"end":1196.085,"sentiment":"neutral","sentiment_score":0.31315290927886963}],"sentiment":"neutral","sentiment_score":0.31315290927886963,"channel":1,"num_words":1,"start":1195.585,"end":1196.085},{"sentences":[{"text":"terms of where we're sitting.","start":1195.7101,"end":1197.17,"sentiment":"neutral","sentiment_score":0.24905990958213806},{"text":"Because it's it's literally Paul's already retired.","start":1197.31,"end":1200.2101,"sentiment":"neutral","sentiment_score":0.212196341582707},{"text":"We're","start":1200.5901,"end":1200.75,"sentiment":"neutral","sentiment_score":0.2017892599105835}],"sentiment":"neutral","sentiment_score":0.22557409222309405,"channel":0,"num_words":13,"start":1195.7101,"end":1200.75},{"sentences":[{"text":"Yep.","start":1200.705,"end":1201.205,"sentiment":"neutral","sentiment_score":0.21517732739448547}],"sentiment":"neutral","sentiment_score":0.21517732739448547,"channel":1,"num_words":1,"start":1200.705,"end":1201.205},{"sentences":[{"text":"gonna sell the company shares,","start":1200.75,"end":1204.6101,"sentiment":"neutral","sentiment_score":0.20976040065288543}],"sentiment":"neutral","sentiment_score":0.20976040065288543,"channel":0,"num_words":5,"start":1200.75,"end":1204.6101},{"sentences":[{"text":"Yep.","start":1204.99,"end":1205.49,"sentiment":"neutral","sentiment_score":0.2406052201986313}],"sentiment":"neutral","sentiment_score":0.2406052201986313,"channel":1,"num_words":1,"start":1204.99,"end":1205.49},{"sentences":[{"text":"set up a set up an account for him and get some money paying to you guys.","start":1205.4701,"end":1210.245,"sentiment":"neutral","sentiment_score":0.28886715103598204},{"text":"And then for you, it's gonna be a set up set up a partial pension account.","start":1210.785,"end":1217.605,"sentiment":"neutral","sentiment_score":0.20798816997557878},{"text":"And then you're gonna have two income streams.","start":1218.4651,"end":1220.4651,"sentiment":"neutral","sentiment_score":0.2247573398053646},{"text":"One from your employer, one from the pension account.","start":1220.4651,"end":1223.605,"sentiment":"neutral","sentiment_score":0.20238899191220602},{"text":"I will draft up the letter for the salary sacrifice so that way you can just hand that straight to to work and do it all.","start":1224.8099,"end":1231.71,"sentiment":"positive","sentiment_score":0.3887077569961548}],"sentiment":"neutral","sentiment_score":0.2890067580891283,"channel":0,"num_words":76,"start":1205.4701,"end":1231.71},{"sentences":[{"text":"Thank you.","start":1231.94,"end":1232.6,"sentiment":"positive","sentiment_score":0.6894602477550507}],"sentiment":"positive","sentiment_score":0.6894602477550507,"channel":1,"num_words":2,"start":1231.94,"end":1232.6},{"sentences":[{"text":"That way you don't have to think about numbers and read through a 85 page document to find it again.","start":1233.77,"end":1238.835,"sentiment":"positive","sentiment_score":0.5352947309613227}],"sentiment":"positive","sentiment_score":0.5352947309613227,"channel":0,"num_words":20,"start":1233.77,"end":1238.835},{"sentences":[{"text":"I appreciate that.","start":1240.1,"end":1241.32,"sentiment":"positive","sentiment_score":0.5993018945058187}],"sentiment":"positive","sentiment_score":0.5993018945058187,"channel":1,"num_words":3,"start":1240.1,"end":1241.32},{"sentences":[{"text":"Look, I tried to keep it small.","start":1243.375,"end":1244.915,"sentiment":"neutral","sentiment_score":0.08155584867511477}],"sentiment":"neutral","sentiment_score":0.08155584867511477,"channel":0,"num_words":7,"start":1243.375,"end":1244.915},{"sentences":[{"text":"No.","start":1245.465,"end":1245.7849,"sentiment":"neutral","sentiment_score":-0.014072846621274948},{"text":"You did really well, actually, because it's very, very compacted, but, no, it makes sense.","start":1245.7849,"end":1250.0249,"sentiment":"positive","sentiment_score":0.5237131218115488},{"text":"So I've I've clicked through it very, very quickly.","start":1250.0249,"end":1252.4249,"sentiment":"positive","sentiment_score":0.4383945133950975},{"text":"But I I have one quick question which you might cover later on or it might not be part of it.","start":1252.4249,"end":1257.63,"sentiment":"neutral","sentiment_score":-0.10753019544340316},{"text":"But","start":1257.71,"end":1257.95,"sentiment":"neutral","sentiment_score":-0.00271771103143692}],"sentiment":"neutral","sentiment_score":0.2026877188460624,"channel":1,"num_words":47,"start":1245.465,"end":1257.95},{"sentences":[{"text":"Yep.","start":1257.74,"end":1258.24,"sentiment":"neutral","sentiment_score":0.005150142125785351}],"sentiment":"neutral","sentiment_score":0.005150142125785351,"channel":0,"num_words":1,"start":1257.74,"end":1258.24},{"sentences":[{"text":"because I've got long service leave and I've also got an abundance of sick leave, I'm trying to be a bit prudent and start using my sick leave at the moment in lots of different ways.","start":1257.95,"end":1268.99,"sentiment":"neutral","sentiment_score":-0.14478399956391919},{"text":"But I've got probably about two and a half, three months worth of long 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I have to take that before the end of June?","start":1276.0549,"end":1279.0349,"sentiment":"neutral","sentiment_score":-0.020116447725079277},{"text":"Do I 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July?","start":1281.735,"end":1282.475,"sentiment":"neutral","sentiment_score":-0.04525123909115791}],"sentiment":"neutral","sentiment_score":-0.04525123909115791,"channel":1,"num_words":2,"start":1281.735,"end":1282.475},{"sentences":[{"text":"I did I did I did consider it.","start":1283.86,"end":1286.68,"sentiment":"neutral","sentiment_score":0.08026079321280122},{"text":"I haven't included it in the document here, but I did consider it.","start":1286.82,"end":1290.045,"sentiment":"neutral","sentiment_score":0.012004416722517747}],"sentiment":"neutral","sentiment_score":0.038006845861673355,"channel":0,"num_words":21,"start":1283.86,"end":1290.045},{"sentences":[{"text":"Okay.","start":1290.18,"end":1290.68,"sentiment":"neutral","sentiment_score":0.07567772269248962}],"sentiment":"neutral","sentiment_score":0.07567772269248962,"channel":1,"num_words":1,"start":1290.18,"end":1290.68},{"sentences":[{"text":"And realistically, because your which I was asked to touch on anyway, so we'll 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correct.","start":1304.025,"end":1304.765,"sentiment":"neutral","sentiment_score":0.29563482105731964}],"sentiment":"neutral","sentiment_score":0.29563482105731964,"channel":1,"num_words":2,"start":1304.025,"end":1304.765},{"sentences":[{"text":"It it actually works out nicely if you do continue working next year.","start":1304.51,"end":1311.47,"sentiment":"positive","sentiment_score":0.5279591152301202},{"text":"Because realistically","start":1311.47,"end":1312.37,"sentiment":"neutral","sentiment_score":0.15039349347352982}],"sentiment":"positive","sentiment_score":0.4776170323292414,"channel":0,"num_words":15,"start":1304.51,"end":1312.37},{"sentences":[{"text":"Yep.","start":1312.105,"end":1312.605,"sentiment":"neutral","sentiment_score":0.10816317051649094}],"sentiment":"neutral","sentiment_score":0.10816317051649094,"channel":1,"num_words":1,"start":1312.105,"end":1312.605},{"sentences":[{"text":"so stage two of the document is the twenty twenty seven, twenty twenty eight 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basically hang up the hat in in, say, June, what whatever week would work for you, and start taking your long service leave.","start":1333.7001,"end":1341.48,"sentiment":"neutral","sentiment_score":0.11753827029908145}],"sentiment":"neutral","sentiment_score":0.12600717673960485,"channel":0,"num_words":38,"start":1330.18,"end":1341.48},{"sentences":[{"text":"Yep.","start":1342.2051,"end":1342.38,"sentiment":"neutral","sentiment_score":0.06989487260580063}],"sentiment":"neutral","sentiment_score":0.06989487260580063,"channel":1,"num_words":1,"start":1342.2051,"end":1342.38},{"sentences":[{"text":"It depends on your company, and this is the part that I got stuck on a little 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right, Luisa?","start":1539.8201,"end":1541.04,"sentiment":"neutral","sentiment_score":0.03860963601619005}],"sentiment":"neutral","sentiment_score":0.03860963601619005,"channel":1,"num_words":4,"start":1539.8201,"end":1541.04},{"sentences":[{"text":"That's correct.","start":1542.26,"end":1542.8201,"sentiment":"neutral","sentiment_score":0.095521941781044},{"text":"Paul's got it right.","start":1542.8201,"end":1543.7001,"sentiment":"neutral","sentiment_score":0.06644784566015005},{"text":"So, basically, you at the like, however how many weeks you need to give them notice, you would say at the you know, it might be May.","start":1543.7001,"end":1551.62,"sentiment":"neutral","sentiment_score":-0.0012496171036252268},{"text":"You might turn around and say, hey.","start":1551.62,"end":1553.3,"sentiment":"neutral","sentiment_score":-0.009360373918233173},{"text":"I'm gonna take my long service 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halfway through your long service leave, you'll just turn around and say, hey.","start":1584.64,"end":1587.625,"sentiment":"neutral","sentiment_score":-0.055850209668278694},{"text":"By the way, I resign.","start":1587.625,"end":1588.605,"sentiment":"neutral","sentiment_score":-0.08689027428627014}],"sentiment":"neutral","sentiment_score":-0.035255495727492064,"channel":0,"num_words":52,"start":1572.7999,"end":1588.605},{"sentences":[{"text":"Thanks.","start":1588.665,"end":1589.165,"sentiment":"neutral","sentiment_score":0.06788307428359985}],"sentiment":"neutral","sentiment_score":0.06788307428359985,"channel":0,"num_words":1,"start":1588.665,"end":1589.165},{"sentences":[{"text":"Yes.","start":1588.775,"end":1589.275,"sentiment":"neutral","sentiment_score":0.0395796075463295},{"text":"I'm just 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them.","start":1596.345,"end":1601.965,"sentiment":"neutral","sentiment_score":0.09546844012759349}],"sentiment":"neutral","sentiment_score":0.10386324338614941,"channel":0,"num_words":30,"start":1593.785,"end":1601.965},{"sentences":[{"text":"Oh, that's fine.","start":1602.8201,"end":1603.54,"sentiment":"neutral","sentiment_score":0.20570191740989685},{"text":"Thank you.","start":1603.54,"end":1604.28,"sentiment":"neutral","sentiment_score":0.3169851154088974},{"text":"If you yeah.","start":1607.3,"end":1609.235,"sentiment":"neutral","sentiment_score":0.11860449860493343},{"text":"No.","start":1609.235,"end":1609.3949,"sentiment":"neutral","sentiment_score":0.01668412983417511},{"text":"I appreciate that.","start":1609.3949,"end":1610.0349,"sentiment":"neutral","sentiment_score":0.10531689474980037}],"sentiment":"neutral","sentiment_score":0.16162702441215515,"channel":1,"num_words":12,"start":1602.8201,"end":1610.0349},{"sentences":[{"text":"Thank you, Lisa.","start":1610.0349,"end":1610.9349,"sentiment":"neutral","sentiment_score":0.29688529173533124}],"sentiment":"neutral","sentiment_score":0.29688529173533124,"channel":1,"num_words":3,"start":1610.0349,"end":1610.9349},{"sentences":[{"text":"That's okay.","start":1612.24,"end":1612.98,"sentiment":"neutral","sentiment_score":0.20676400512456894},{"text":"So you retire and you run your long service leave.","start":1613.6,"end":1617.0599,"sentiment":"neutral","sentiment_score":0.08219611123204232},{"text":"Now because they're gonna meet again at the, like, June like, mid June this","start":1619.475,"end":1624.755,"sentiment":"neutral","sentiment_score":0.0830096070255552}],"sentiment":"neutral","sentiment_score":0.09221629311258976,"channel":0,"num_words":26,"start":1612.24,"end":1624.755},{"sentences":[{"text":"Yes.","start":1624.7001,"end":1625.2001,"sentiment":"neutral","sentiment_score":0.09214726090431212}],"sentiment":"neutral","sentiment_score":0.09214726090431212,"channel":1,"num_words":1,"start":1624.7001,"end":1625.2001},{"sentences":[{"text":"year before you go on your long service leave, we can kinda touch base as to how your employer is gonna pay you out because you may turn around and give notice or your intending intended long service leave, and your employer may say, hey.","start":1624.755,"end":1639.4501,"sentiment":"neutral","sentiment_score":0.054782621852225724},{"text":"Be honest.","start":1640.39,"end":1641.03,"sentiment":"neutral","sentiment_score":0.00867253914475441},{"text":"Are you 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kosher.","start":1649.105,"end":1658.725,"sentiment":"neutral","sentiment_score":0.3229013400919297}],"sentiment":"neutral","sentiment_score":0.2986829442822415,"channel":0,"num_words":46,"start":1646.465,"end":1658.725},{"sentences":[{"text":"Okay.","start":1659.2,"end":1659.615,"sentiment":"neutral","sentiment_score":0.18577823042869568}],"sentiment":"neutral","sentiment_score":0.18577823042869568,"channel":1,"num_words":1,"start":1659.2,"end":1659.615},{"sentences":[{"text":"It's just dependent on how it all falls, how honest you wanna be with them.","start":1659.7101,"end":1663.73,"sentiment":"neutral","sentiment_score":0.13542464176813762},{"text":"I have, like, four clients that are retiring within the next nine months on the government a month ago, and they're all sort of different.","start":1663.9501,"end":1670.27,"sentiment":"neutral","sentiment_score":0.07794636860489845},{"text":"It's just it's employer based.","start":1670.27,"end":1671.81,"sentiment":"neutral","sentiment_score":0.04457372799515724}],"sentiment":"neutral","sentiment_score":0.09339772181378471,"channel":0,"num_words":45,"start":1659.7101,"end":1671.81},{"sentences":[{"text":"Okay.","start":1672.495,"end":1672.995,"sentiment":"neutral","sentiment_score":0.07460439950227737}],"sentiment":"neutral","sentiment_score":0.07460439950227737,"channel":1,"num_words":1,"start":1672.495,"end":1672.995},{"sentences":[{"text":"Now the reason it's important is because of, obviously, the intention to sell the investment property.","start":1673.115,"end":1679.615,"sentiment":"neutral","sentiment_score":0.01654157997108996},{"text":"Now I went off a basis of 1.45.","start":1682.155,"end":1687.615,"sentiment":"neutral","sentiment_score":-0.0005985472816973925},{"text":"I know you guys have previously told me it's about 1.4 worth","start":1688.05,"end":1691.83,"sentiment":"neutral","sentiment_score":0.005248476207877199}],"sentiment":"neutral","sentiment_score":0.008968294882732961,"channel":0,"num_words":36,"start":1673.115,"end":1691.83},{"sentences":[{"text":"Yep.","start":1691.5549,"end":1692.0549,"sentiment":"neutral","sentiment_score":0.009361586533486845}],"sentiment":"neutral","sentiment_score":0.009361586533486845,"channel":1,"num_words":1,"start":1691.5549,"end":1692.0549},{"sentences":[{"text":"of the house, but I'm I had a look in the area and I had a look at property growth rates, then I increased it a little bit.","start":1691.97,"end":1699.99,"sentiment":"neutral","sentiment_score":-0.019828022258090123},{"text":"I think my calculations ended up being, like, 1.452 something rather.","start":1700.29,"end":1707.365,"sentiment":"neutral","sentiment_score":-0.04497571662068367},{"text":"So I rounded it because I hate dealing with non round numbers.","start":1707.985,"end":1712.005,"sentiment":"neutral","sentiment_score":-0.2177966982126236},{"text":"It makes things messy.","start":1713.585,"end":1714.645,"sentiment":"negative","sentiment_score":-0.34612949937582016},{"text":"So I went off a value of one four five.","start":1717.77,"end":1720.3501,"sentiment":"neutral","sentiment_score":-0.03980604857206345}],"sentiment":"neutral","sentiment_score":-0.08378548258199142,"channel":0,"num_words":65,"start":1691.97,"end":1720.3501},{"sentences":[{"text":"I looked at realtor costs down in I use in the in Sydney as a base.","start":1723.13,"end":1730.5349,"sentiment":"neutral","sentiment_score":-0.019785620621405542},{"text":"I know that Glenfield's not quite in, but I went with the highest possible realtor cost as a percentage.","start":1730.5349,"end":1738.1549,"sentiment":"neutral","sentiment_score":-0.02741968278822146},{"text":"I added on marketing cost and a conveyancer.","start":1739.4149,"end":1741.595,"sentiment":"neutral","sentiment_score":-0.015506434952840209},{"text":"That's really all the cost that you're gonna incur when it comes to the property sale","start":1742.16,"end":1746.66,"sentiment":"neutral","sentiment_score":-0.0382595332339406}],"sentiment":"neutral","sentiment_score":-0.026673693462448606,"channel":0,"num_words":59,"start":1723.13,"end":1746.66},{"sentences":[{"text":"Yep.","start":1747.1951,"end":1747.6951,"sentiment":"neutral","sentiment_score":-0.02526505291461945}],"sentiment":"neutral","sentiment_score":-0.02526505291461945,"channel":1,"num_words":1,"start":1747.1951,"end":1747.6951},{"sentences":[{"text":"until you obviously get to settlement and depending on how much of the rates you paid and how much of the blah blah blah and everything else that's due or overpaid or whatever the case may be.","start":1747.28,"end":1756.125,"sentiment":"neutral","sentiment_score":-0.11826192909801328},{"text":"That'll get settled at settlement, and that's not something I can calculate unless I knew the exact date you were gonna settle.","start":1756.205,"end":1760.785,"sentiment":"neutral","sentiment_score":-0.17317823743955654}],"sentiment":"neutral","sentiment_score":-0.1387391966151989,"channel":0,"num_words":59,"start":1747.28,"end":1760.785},{"sentences":[{"text":"Yep.","start":1761.09,"end":1761.59,"sentiment":"neutral","sentiment_score":0.04598361253738403}],"sentiment":"neutral","sentiment_score":0.04598361253738403,"channel":1,"num_words":1,"start":1761.09,"end":1761.59},{"sentences":[{"text":"And that's conveyance's job, not mine.","start":1763.005,"end":1764.945,"sentiment":"neutral","sentiment_score":0.022310708339015644},{"text":"That's","start":1765.725,"end":1765.885,"sentiment":"neutral","sentiment_score":-0.01971191912889481}],"sentiment":"neutral","sentiment_score":0.016307475843599865,"channel":0,"num_words":7,"start":1763.005,"end":1765.885},{"sentences":[{"text":"Not","start":1765.81,"end":1766.05,"sentiment":"neutral","sentiment_score":-0.08100517094135284}],"sentiment":"neutral","sentiment_score":-0.08100517094135284,"channel":1,"num_words":1,"start":1765.81,"end":1766.05},{"sentences":[{"text":"why 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marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012.","start":1778.54,"end":1792.225,"sentiment":"neutral","sentiment_score":0.018360468526852542},{"text":"90% of the property is owned by Paul, 10% owned by Helen.","start":1793.485,"end":1796.61,"sentiment":"neutral","sentiment_score":0.04126107335711519}],"sentiment":"neutral","sentiment_score":-0.0026032298851709863,"channel":0,"num_words":77,"start":1766.205,"end":1796.61},{"sentences":[{"text":"The sale price of $14.05 will result in a 145,000 of that sale being allocated to Helen and that remainder 1.305 being allocated to Paul.","start":1796.61,"end":1808.625,"sentiment":"neutral","sentiment_score":0.0460549783706665},{"text":"The sales cost gets split across as well, so 5 to Helen, 45 to Paul.","start":1808.945,"end":1814.165,"sentiment":"neutral","sentiment_score":0.014104358727733295},{"text":"The purchase price is split.","start":1815.105,"end":1816.725,"sentiment":"neutral","sentiment_score":0.00630149245262146},{"text":"So of that $409,649.60 is Helen's, $3,686.40 is Paul, which means that after everything's said and done, the capital gain allocation ends up being $495.20 to Helen and $4,456.80 to Paul, which means that at the combination of it all, Helen's paying $5 well, just $58.41 of tax because the capital gain is what you add to your your income.","start":1816.865,"end":1851.9,"sentiment":"neutral","sentiment_score":0.025251363900800548},{"text":"Obviously, neither of you have an income for 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of","start":1868.085,"end":1872.485,"sentiment":"neutral","sentiment_score":-0.001936525638614382}],"sentiment":"neutral","sentiment_score":-0.001936525638614382,"channel":0,"num_words":14,"start":1868.085,"end":1872.485},{"sentences":[{"text":"What?","start":1872.74,"end":1873.24,"sentiment":"neutral","sentiment_score":-0.008055189624428749}],"sentiment":"neutral","sentiment_score":-0.008055189624428749,"channel":1,"num_words":1,"start":1872.74,"end":1873.24},{"sentences":[{"text":"well, two and a half, but, you know, three months worth of long service leave isn't going to push us into a silly area at all.","start":1872.805,"end":1880.76,"sentiment":"neutral","sentiment_score":-0.07664206265830077},{"text":"You're not gonna be jumping brackets is the main 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take","start":2399.79,"end":2400.11,"sentiment":"neutral","sentiment_score":-0.006225507706403732}],"sentiment":"neutral","sentiment_score":-0.006225507706403732,"channel":1,"num_words":2,"start":2399.79,"end":2400.11},{"sentences":[{"text":"big.","start":2399.935,"end":2400.435,"sentiment":"neutral","sentiment_score":0.019879717379808422}],"sentiment":"neutral","sentiment_score":0.019879717379808422,"channel":0,"num_words":1,"start":2399.935,"end":2400.435},{"sentences":[{"text":"care of that.","start":2400.11,"end":2401.1,"sentiment":"neutral","sentiment_score":-0.06328400472799937}],"sentiment":"neutral","sentiment_score":-0.06328400472799937,"channel":1,"num_words":3,"start":2400.11,"end":2401.1},{"sentences":[{"text":"Dang.","start":2400.895,"end":2401.395,"sentiment":"neutral","sentiment_score":-0.1331389844417572},{"text":"No.","start":2402.095,"end":2402.335,"sentiment":"neutral","sentiment_score":-0.14412817358970642},{"text":"You're so fine.","start":2402.335,"end":2403.2148,"sentiment":"neutral","sentiment_score":0.08250296053787072},{"text":"You're so fine.","start":2403.2148,"end":2404.275,"sentiment":"positive","sentiment_score":0.3610171675682068},{"text":"So well, bye bye.","start":2405.4548,"end":2407.9548,"sentiment":"positive","sentiment_score":0.3433982878923416}],"sentiment":"neutral","sentiment_score":0.20224053148801127,"channel":0,"num_words":12,"start":2400.895,"end":2407.9548},{"sentences":[{"text":"Cool.","start":2409.03,"end":2409.27,"sentiment":"positive","sentiment_score":0.43478408455848694},{"text":"There.","start":2409.27,"end":2409.77,"sentiment":"neutral","sentiment_score":0.27572885155677795},{"text":"So we're selling the property.","start":2410.6301,"end":2412.1702,"sentiment":"neutral","sentiment_score":0.2959052801132202},{"text":"Because we sell the property, we're freeing up about $60 a year because we're no longer having to deal with the property cost, and we are going to pop some money into the super funds, pay off all the mortgages, and be debt free and happy.","start":2413.51,"end":2430.105,"sentiment":"positive","sentiment_score":0.5370434567980145},{"text":"We have about $370 left over at the end of it all from the property sale offset, everything like that.","start":2430.885,"end":2438.98,"sentiment":"positive","sentiment_score":0.4600816577672958}],"sentiment":"positive","sentiment_score":0.4944612534895335,"channel":0,"num_words":73,"start":2409.03,"end":2438.98},{"sentences":[{"text":"Yep.","start":2439.1748,"end":2439.6748,"sentiment":"neutral","sentiment_score":0.19317665696144104}],"sentiment":"neutral","sentiment_score":0.19317665696144104,"channel":1,"num_words":1,"start":2439.1748,"end":2439.6748},{"sentences":[{"text":"And then what we need to do is we need to commence an account based pension for Helen.","start":2440.4,"end":2446.3198,"sentiment":"neutral","sentiment_score":0.1464106037488414},{"text":"So what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax","start":2446.3198,"end":2460.6748,"sentiment":"neutral","sentiment_score":0.15264314313729604}],"sentiment":"neutral","sentiment_score":0.15030594086662555,"channel":0,"num_words":48,"start":2440.4,"end":2460.6748},{"sentences":[{"text":"Yeah.","start":2460.47,"end":2460.97,"sentiment":"neutral","sentiment_score":0.20035332441329956}],"sentiment":"neutral","sentiment_score":0.20035332441329956,"channel":1,"num_words":1,"start":2460.47,"end":2460.97},{"sentences":[{"text":"free.","start":2460.6748,"end":2461.155,"sentiment":"neutral","sentiment_score":0.2365001142024994},{"text":"So 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account.","start":2488.625,"end":2491.825,"sentiment":"neutral","sentiment_score":0.07197933581968148},{"text":"So because you are under 65 by the time we start this, your account minimum is 4%, which based on the account balance you'll have at that time would be about $22,500.","start":2491.825,"end":2505.13,"sentiment":"neutral","sentiment_score":0.08618243935052305},{"text":"We're pulling a little bit over that.","start":2506.8699,"end":2508.675,"sentiment":"neutral","sentiment_score":0.0683692672422954}],"sentiment":"neutral","sentiment_score":0.05703755066945003,"channel":0,"num_words":78,"start":2471.9202,"end":2508.675},{"sentences":[{"text":"We're setting a specific amount because it's what you guys need cash flow wise, not anything 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okay.","start":2554.72,"end":2558.96,"sentiment":"neutral","sentiment_score":-0.08578636018293244},{"text":"Paul Paul is gonna fold this through for us.","start":2558.96,"end":2561.2798,"sentiment":"neutral","sentiment_score":0.1882024829586347},{"text":"That's right.","start":2561.2798,"end":2561.865,"sentiment":"neutral","sentiment_score":0.33190682530403137}],"sentiment":"neutral","sentiment_score":0.026299477226155644,"channel":0,"num_words":34,"start":2547.92,"end":2561.865},{"sentences":[{"text":"And we have a a cute another little savings account on the side anyway.","start":2562.425,"end":2565.565,"sentiment":"positive","sentiment_score":0.5021114136491504},{"text":"So it gives longevity.","start":2566.985,"end":2568.765,"sentiment":"positive","sentiment_score":0.5560376793146133},{"text":"We have plenty of income coming in to support you in terms of of income, and that's only half of our income need.","start":2569.545,"end":2576.845,"sentiment":"positive","sentiment_score":0.4477220048075137},{"text":"If we scroll down past all the risks, warnings, advantages, and disadvantages, we come to polls where, basically, for poll, do the same thing where we merge all the accounts through a refresh because we'll have those two accounts open.","start":2577.32,"end":2594.405,"sentiment":"neutral","sentiment_score":0.13549365266226232},{"text":"We merge both the accounts back together again and restart the account.","start":2595.905,"end":2599.845,"sentiment":"neutral","sentiment_score":0.16082931123673916}],"sentiment":"neutral","sentiment_score":0.2892582200026961,"channel":0,"num_words":93,"start":2562.425,"end":2599.845},{"sentences":[{"text":"Oh, that's cute.","start":2603.1099,"end":2605.6099,"sentiment":"positive","sentiment_score":0.7214809656143188},{"text":"The opening balance on the account at that time will be $9.89 because we will have over the last nine months drawn down a 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everything.","start":2680.4648,"end":2697.3699,"sentiment":"neutral","sentiment_score":0.03799036552331277},{"text":"What I wanna do is I actually wanna pop that money into a investment account for you both.","start":2697.5898,"end":2702.655,"sentiment":"neutral","sentiment_score":0.23556635114881727},{"text":"It'll be in joint names.","start":2702.815,"end":2704.115,"sentiment":"neutral","sentiment_score":0.1406083583831787}],"sentiment":"neutral","sentiment_score":0.08561500490671306,"channel":0,"num_words":66,"start":2671.32,"end":2704.115},{"sentences":[{"text":"It'll be connected to your hub twenty four super fund, but it is an investment account.","start":2704.175,"end":2707.875,"sentiment":"neutral","sentiment_score":0.09923463244922459},{"text":"Now while there is consideration for the fact that an investment account can incur tax when we sell 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$50,000.","start":2747.4302,"end":2749.4302,"sentiment":"neutral","sentiment_score":0.02656653629881995},{"text":"$50,000 tax is basically equivalent to about $5 worth of tax, call it,","start":2749.4302,"end":2756.01,"sentiment":"neutral","sentiment_score":-0.01968687830063013}],"sentiment":"neutral","sentiment_score":-0.0012360476804050531,"channel":0,"num_words":44,"start":2741.065,"end":2756.01},{"sentences":[{"text":"Yeah.","start":2756.11,"end":2756.61,"sentiment":"neutral","sentiment_score":0.05834581330418587}],"sentiment":"neutral","sentiment_score":0.05834581330418587,"channel":1,"num_words":1,"start":2756.11,"end":2756.61},{"sentences":[{"text":"just to keep around.","start":2756.23,"end":2757.435,"sentiment":"neutral","sentiment_score":0.036334093660116196},{"text":"So we're not gonna be paying an exuberant amount of tax if we do have to liquidate that that asset,","start":2758.715,"end":2762.975,"sentiment":"neutral","sentiment_score":-0.2525540117174387}],"sentiment":"neutral","sentiment_score":-0.20440599415451288,"channel":0,"num_words":24,"start":2756.23,"end":2762.975},{"sentences":[{"text":"Okay.","start":2763.23,"end":2763.73,"sentiment":"positive","sentiment_score":0.3608148396015167}],"sentiment":"positive","sentiment_score":0.3608148396015167,"channel":1,"num_words":1,"start":2763.23,"end":2763.73},{"sentences":[{"text":"and it just adds a little bit of spice to it 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Louisa.","start":4445.145,"end":4446.045,"sentiment":"positive","sentiment_score":0.5171533524990082},{"text":"Bye bye.","start":4446.1846,"end":4446.925,"sentiment":"neutral","sentiment_score":0.23363298177719116},{"text":"Bye.","start":4447.145,"end":4447.645,"sentiment":"neutral","sentiment_score":0.15195533633232117}],"sentiment":"neutral","sentiment_score":0.33070560097694396,"channel":1,"num_words":5,"start":4445.145,"end":4447.645},{"sentences":[{"text":"Bye.","start":4448.255,"end":4448.755,"sentiment":"neutral","sentiment_score":-0.0734071135520935}],"sentiment":"neutral","sentiment_score":-0.0734071135520935,"channel":0,"num_words":1,"start":4448.255,"end":4448.755}]},"summary":{"result":"success","short":"The speakers emphasize the importance of maintaining a low tax bracket and decreasing investment fees for retirement plans. They also discuss retirement plans, including updating accounts and creating a full-time pension account. The focus is on communication and updating accounts, communication via email, and maximizing retirement savings and savings accounts. The speakers emphasize the need for a statement of agreement and a statement of authority, including a cash buffer, bank details, and a statement of agreement. They end the conversation with pleasantries and goodbyes."},"intents":{"segments":[{"text":"Paul, Larissa with you. How are you going? Good. But it's I've got you down to Turner And Freeman. I don't know why. I mean, be anyone you want me to be, really. Okay.","start_word":2,"end_word":35,"intents":[{"intent":"Offer assistance","confidence_score":0.011433072}]},{"text":"Rather than me, like, talk numbers at you the whole time, figured it was a little bit easier to kind of so you could read and ask questions as we go through. Yes. Okay.","start_word":221,"end_word":254,"intents":[{"intent":"Ask questions","confidence_score":0.0013899448}]},{"text":"Well, before I do jump into it, even though I've jumped the gun, I do need to let you know that our calls are recorded. And if I could just get you to confirm security, just date of birth for both of you when someone say the address on file. Okay.","start_word":262,"end_word":312,"intents":[{"intent":"Confirm identity","confidence_score":0.541854}]},{"text":"So the things I haven't taken into consideration is I know you guys said that you're willing to and you're obviously looking to sell the existing caravan, the noncollectible motorcycle, the second boat, and Yep. probably the second vehicle.","start_word":715,"end_word":753,"intents":[{"intent":"Sell caravan","confidence_score":0.5586031}]},{"text":"Now at the crux of it, and if you're going through with me, the first 12 pages are just basically me replicating information you already know. So it's page 13 of the document, of that statement of advice document.","start_word":821,"end_word":859,"intents":[{"intent":"Propose lettering","confidence_score":0.0000022492982},{"intent":"Propose presentation in document","confidence_score":0.0000012937385},{"intent":"Provide information","confidence_score":0.011003308}]},{"text":"So it's page 13 of the document, of that statement of advice document.","start_word":847,"end_word":859,"intents":[{"intent":"Explain document","confidence_score":0.085920565}]},{"text":"And what I wanna do is basically this financial year, pretty much the as soon as we can is transition you into what's called a TTR or a present retirement strategy, Helen. Helen.","start_word":860,"end_word":892,"intents":[{"intent":"Transition to ttr","confidence_score":0.053283878}]},{"text":"And what I wanna do is I just wanna get some a little bit of tax effectiveness happening where we take your income from your employer, pop it into your super fund, and and draw down from your superannuation fund as a secondary income.","start_word":894,"end_word":937,"intents":[{"intent":"Benefit from tax savings","confidence_score":0.000044134642},{"intent":"Get secondary income","confidence_score":0.17065772}]},{"text":"Essentially speaking, at a high level because I don't I don't wanna read verbatim all of the words to you. It it it's in a document and everything.","start_word":967,"end_word":994,"intents":[{"intent":"Explain language","confidence_score":0.0066528292}]},{"text":"gonna come out of your gross income, which equates to $21,880 across the So Yep.","start_word":1013,"end_word":1027,"intents":[{"intent":"Represent earnings","confidence_score":0.000007889281}]},{"text":"that's gonna drop your gross income down, which means that your taxable income is only gonna be about $66, which means you're gonna pay about $7,000 less in income tax. Yeah.","start_word":1029,"end_word":1059,"intents":[{"intent":"Reduce income","confidence_score":0.0013826111}]},{"text":"So we can sell those sell those Yep. shares because I know they're about $30 worth and Yep.","start_word":1412,"end_word":1429,"intents":[{"intent":"Sell yep shares","confidence_score":0.83982486}]},{"text":"So we can sell those sell those Yep. shares because I know they're about $30 worth and Yep. obviously that fluctuates. But there's there's about $30 worth. The capital gains, because you've been accumulating them slowly over your employment term, will all be calculated, like, differently across the term of the ownership. Yep.","start_word":1412,"end_word":1464,"intents":[{"intent":"Sell assets and liquidate","confidence_score":0.050738264}]},{"text":"But I recommend we sell them now. That way, they're liquidated and you're done with the company, so to speak.","start_word":1465,"end_word":1484,"intents":[{"intent":"Consolidate and sell yep shares","confidence_score":0.00031600552}]},{"text":"Now what I wanna do is I wanna pull what is essentially it's $2,765.40 from the pension account per fortnight over the next sort of nineteen fortnights Yep. remaining in the financial year.","start_word":1543,"end_word":1575,"intents":[{"intent":"Pull income","confidence_score":0.1634596}]},{"text":"And then what I wanna do is just do a little bit of a change to our super funds.","start_word":1617,"end_word":1635,"intents":[{"intent":"Change super funds","confidence_score":0.5108377}]},{"text":"And my ultimate goal with both of you was to get rid of anything that was a little bit under like, on any underlying funds that just weren't pulling their weight performance wise and also to drop the overall cost of the operation of the fund.","start_word":1783,"end_word":1828,"intents":[{"intent":"Reduce fund cost","confidence_score":0.0070583834}]},{"text":"Now performance wise, Paul, your your your performance across historical performance data increases by that 2% year on year.","start_word":2138,"end_word":2156,"intents":[{"intent":"Evaluate performance","confidence_score":0.109378725}]},{"text":"I'm swapping the tech and lithium asset for a cyber security, so moving more a little bit into the AI sector Yep.","start_word":2594,"end_word":2615,"intents":[{"intent":"Move to ai sector","confidence_score":0.0013481328}]},{"text":"And by a few months, I mean, probably closer to 12. So rather than overcomplicate things by saying let's do this now and then this in twelve months, I just figured I'd stage one, and I have left myself a nice note as to where I wanna head next year anyway. And I figured I'd hold off and depending on how the market goes, we might I might change that anyway.","start_word":2835,"end_word":2905,"intents":[{"intent":"Plan transition","confidence_score":0.0025807072}]},{"text":"because I've got long service leave and I've also got an abundance of sick leave, I'm trying to be a bit prudent and start using my sick leave at the moment in lots of different ways. But I've got probably about two and a half, three months worth of long service Long leave. term.","start_word":3247,"end_word":3300,"intents":[{"intent":"Discuss long service leave and benefits","confidence_score":0.00066222734},{"intent":"Consider long service leave","confidence_score":0.09706867}]},{"text":"It depends on your company and how willing they are to do things because there's two ways to take long service leave. You can either get paid out a lump sum, which if it's a lump sum, we're definitely gonna make sure that it's paid in the 2728 financial year. Yep.","start_word":3497,"end_word":3547,"intents":[{"intent":"Confirm payment method","confidence_score":0.05249107}]},{"text":"I could pretty much draft up your your your letters of retirement if you want and put the dates on them that you have to send them.","start_word":4174,"end_word":4200,"intents":[{"intent":"Inform about retirement plan","confidence_score":0.05854655}]},{"text":"Now the reason it's important is because of, obviously, the intention to sell the investment property.","start_word":4404,"end_word":4419,"intents":[{"intent":"Sell property","confidence_score":0.022138966}]},{"text":"I think my calculations ended up being, like, 1.452 something rather.","start_word":4469,"end_word":4479,"intents":[{"intent":"Calculate cost","confidence_score":0.21037962}]},{"text":"That'll get settled at settlement, and that's not something I can calculate unless I knew the exact date you were gonna settle. Yep.","start_word":4603,"end_word":4625,"intents":[{"intent":"Discuss settlement date","confidence_score":0.0061876033}]},{"text":"So what I got was we sell the house for $14.05. Obviously, if this figure changes, it does change things a little bit, but irrespective, we deal with sort of the bulk of it.","start_word":4639,"end_word":4672,"intents":[{"intent":"Deal with bulk of expenses","confidence_score":0.007994123}]},{"text":"05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012. 90% of the property is owned by Paul, 10% owned by Helen.","start_word":4675,"end_word":4714,"intents":[{"intent":"Indicate the status of the property","confidence_score":0.000009858368}]},{"text":"05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012. 90% of the property is owned by Paul, 10% owned by Helen. The sale price of $14.","start_word":4675,"end_word":4719,"intents":[{"intent":"Explain state of the property","confidence_score":0.00032201427},{"intent":"Explain the property ownership and ownership","confidence_score":0.02259507}]},{"text":"05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012. 90% of the property is owned by Paul, 10% owned by Helen. The sale price of $14.05 will result in a 145,000 of that sale being allocated to Helen and that remainder 1.305 being allocated to Paul.","start_word":4675,"end_word":4739,"intents":[{"intent":"Discuss sale price and costs","confidence_score":0.0000026674784},{"intent":"Explain purchase price and share capital gains and income","confidence_score":1.9059443e-7}]},{"text":"So of that $409,649.60 is Helen's, $3,686.40 is Paul, which means that after everything's said and done, the capital gain allocation ends up being $495.20 to Helen and $4,456.80 to Paul, which means that at the combination of it all, Helen's paying $5 well, just $58.41 of tax because the capital gain is what you add to your your income.","start_word":4759,"end_word":4818,"intents":[{"intent":"Explain the difference between capital gains and losses","confidence_score":0.000037409536}]},{"text":"At 10%. Yeah.","start_word":4993,"end_word":4995,"intents":[{"intent":"Express gratitude for the information","confidence_score":0.00035970774}]},{"text":"Now the really there are a couple of things that we can do when we get that far to actually sell the house, and what I will do is a limited scope of advice piece at that time.","start_word":5009,"end_word":5046,"intents":[{"intent":"Discuss selling house","confidence_score":0.003807685}]},{"text":"Now ultimately speaking, I do want you guys to try and sell the house earlier Yep. than later.","start_word":5209,"end_word":5226,"intents":[{"intent":"Plan to sell house earlier","confidence_score":0.003554584}]},{"text":"However, looking at your tax return, the house is pretty neutral anyway. So it even if you do keep the property for an extended period of time, it's not going to affect us tax wise too much because the property is pretty well neutral in terms Yep.","start_word":5227,"end_word":5273,"intents":[{"intent":"Reflect on tax return","confidence_score":0.00046849885}]},{"text":"So house gets sold, realtor cost, capital gains tax, we pay the Glenfield mortgage because it Yep. it has to get paid. It'll get paid during the settlement. That should Yep.","start_word":5348,"end_word":5378,"intents":[{"intent":"Discuss cash settlement","confidence_score":0.018386824}]},{"text":"leave us with roughly pending sales cost and everything else about $755,221. Yep.","start_word":5379,"end_word":5391,"intents":[{"intent":"Provide information about pending transactions","confidence_score":0.0000011269008}]},{"text":"Now what I propose that we actually do is we utilize that 700 and let's call it three quarters of an hour, Yes.","start_word":5395,"end_word":5417,"intents":[{"intent":"Utilize 700","confidence_score":0.3617863}]},{"text":"and we add what's called a downsizer contribution into both of your super funds.","start_word":5417,"end_word":5430,"intents":[{"intent":"Add downsizer contribution","confidence_score":0.964554}]},{"text":"So what I wanna do after we essentially sell the property and pay the capital gains and deal with everything is just finalize your financial position.","start_word":5668,"end_word":5693,"intents":[{"intent":"Sell property","confidence_score":0.223379},{"intent":"Finalize financial position","confidence_score":0.38601333}]},{"text":"But anyway, what I wanna do is is basically take Helen's account and merge them into one and create just a full straight up pension account. Yep.","start_word":5767,"end_word":5793,"intents":[{"intent":"Create pension account","confidence_score":0.084541574}]},{"text":"So what I've allocated that money to because, basically, I've estimated based on where it currently fits and what it's doing at the moment because I told you to do the top up additional payments.","start_word":6151,"end_word":6185,"intents":[{"intent":"Allocate funds","confidence_score":0.0034560543}]},{"text":"So we're selling the property. Because we sell the property, we're freeing up about $60 a year because we're no longer having to deal with the property cost, and we are going to pop some money into the super funds, pay off all the mortgages, and be debt free and happy. We have about $370 left over at the end of it all from the property sale offset, everything like that. Yep.","start_word":6373,"end_word":6444,"intents":[{"intent":"Sell property","confidence_score":0.17953809}]},{"text":"And then what we need to do is we need to commence an account based pension for Helen.","start_word":6445,"end_word":6462,"intents":[{"intent":"Start account","confidence_score":0.30236048}]},{"text":"So what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax Yeah.","start_word":6464,"end_word":6494,"intents":[{"intent":"Merge accounts","confidence_score":0.7477388}]},{"text":"So what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax Yeah. free.","start_word":6464,"end_word":6495,"intents":[{"intent":"Provide information","confidence_score":0.020185363},{"intent":"Provide information","confidence_score":0.040055826}]},{"text":"Now what I've done is I've done a bit of a table to show where like, how the money kind of will trickle feed through, page 48. So how your account balance migrates moves and eventually by the time we're sort of sixty two sixty three, that account is actually gonna sort of be exhausted. Yep. Sorry.","start_word":6643,"end_word":6699,"intents":[{"intent":"Perform calculations","confidence_score":0.0016089036}]},{"text":"The opening balance on the account at that time will be $9.89 because we will have over the last nine months drawn down a little bit of money and then popped a $100,000 into the account from that property sale.","start_word":6835,"end_word":6874,"intents":[{"intent":"Draw money","confidence_score":0.16348323}]},{"text":"Your budget is 75,000. It was short of 75,000, but I gave us a little bit of a buffer. If you guys Yeah. want more, we can definitely accommodate more. It's not gonna be an issue. And, obviously, once you guys do settle into retirement life, you may realize that the budget might not fit, might need a little bit of adjustment, and we can adjust and pivot where needed.","start_word":6925,"end_word":6994,"intents":[{"intent":"Adjust budget","confidence_score":0.42722565}]},{"text":"What I wanna do is I actually wanna pop that money into a investment account for you both. It'll be in joint names. It'll be connected to your hub twenty four super fund, but it is an investment account.","start_word":7059,"end_word":7097,"intents":[{"intent":"Add to portfolio","confidence_score":0.028836295},{"intent":"Transfer money to investment account","confidence_score":0.008889468}]},{"text":"what that does is it converts the funds into a tax free benefit. Yep.","start_word":7383,"end_word":7396,"intents":[{"intent":"Recommend tax conversion","confidence_score":0.0007694053}]},{"text":"But while we're doing all of the sell the property and everything like that, I just don't wanna overload it, and it's gonna be a we touch on next year once we know Yeah. what the property sale and everything looks like. Because if the market goes for a boom down in Sydney all of a sudden look. Not anticipating it doing so.","start_word":7575,"end_word":7637,"intents":[{"intent":"Analyze property market","confidence_score":0.026059173}]},{"text":"sale gives you a little bit more sitting there. It's it's not not gonna be an issue for you guys to do that travel. Yep.","start_word":8293,"end_word":8317,"intents":[{"intent":"Schedule travel plans","confidence_score":0.0011254308}]},{"text":"So what happens if just say Paul goes and gets another job next week? Oh. Yes. So if Paul does do that, look, it doesn't change anything drastically. It'll be a matter of Paul giving me a call and saying, hey. I have decided to go back to work. Yep.","start_word":8661,"end_word":8710,"intents":[{"intent":"Suggest calling paul's decision","confidence_score":0.0006174682}]},{"text":"So if Paul does do that, look, it doesn't change anything drastically. It'll be a matter of Paul giving me a call and saying, hey. I have decided to go back to work. Yep.","start_word":8677,"end_word":8710,"intents":[{"intent":"Ask about paul's decision to go back to work","confidence_score":0.00075243466}]},{"text":"In this document, in the in the all of the outcome wordings and stuff like that, I did address it a little bit.","start_word":8711,"end_word":8733,"intents":[{"intent":"Address and resolve job situation","confidence_score":0.00027081187}]},{"text":"If Paul decides to go to work, I can't account for that until I know that a, Paul is gonna go to work.","start_word":8734,"end_word":8756,"intents":[{"intent":"Provide instructions on paul's decision","confidence_score":0.0022438231}]},{"text":"If Paul decides to go to work, I can't account for that until I know that a, Paul is gonna go to work. When does Paul go to work?","start_word":8734,"end_word":8762,"intents":[{"intent":"Provide information on paul's decision","confidence_score":0.015159016},{"intent":"Provide information about paul's decision","confidence_score":0.031688858}]},{"text":"and I need someone to put the money. So we can do that. That's fine. Yeah.","start_word":8912,"end_word":8927,"intents":[{"intent":"Express need for someone to put money in","confidence_score":0.006489205}]},{"text":"And all we'll do is we'll just do little cute refreshes Yeah.","start_word":8943,"end_word":8954,"intents":[{"intent":"Introduce paul to refresh the conversation","confidence_score":0.00008118691}]},{"text":"But just a scenario, just say he sells the car, like, next week, he sells the car, the boat, the bike, and that money is enough to go and buy an RV. Is that something he can do? Yeah. Yeah.","start_word":9201,"end_word":9240,"intents":[{"intent":"Discuss car sales and purchase options","confidence_score":0.00002284433}]},{"text":"But theoretically speaking, you could, if you're comfortable to do so with the fact that you're gonna have a little bit extra income, which realistically knowing what your budget looks like, you should be comfortable, you could take out of your offset.","start_word":9328,"end_word":9369,"intents":[{"intent":"Determine financial implications","confidence_score":0.000006798208}]},{"text":"We're gonna buy it, settle it cash in in a week, you go, cool.","start_word":9682,"end_word":9695,"intents":[{"intent":"Plan for settlements in a week","confidence_score":3.0515956e-8}]},{"text":"So you you could 100% put it on the market early. But I had a look at Glenfield Glendale? Glen Glenfield. Yeah.","start_word":9713,"end_word":9734,"intents":[{"intent":"Check market situation","confidence_score":0.0009587756}]},{"text":"So I don't think you're gonna have any issues selling. So you're pretty fine on that front. It's just it's a matter of, I guess, personal preference as to when you wanna trigger that. The earlier you sell it, the happier it is.","start_word":9766,"end_word":9808,"intents":[{"intent":"Express preference for selling","confidence_score":0.016237644}]},{"text":"That drawdown strategy is only looking at the super funds. So if we want extra money, don't forget that that there's a $350,000 sitting in the investment account. So we can also trickle trickle that through. The future considerations are those cash out recontribution strategies, maybe adding a little bit more to the investment Yes.","start_word":9885,"end_word":9939,"intents":[{"intent":"Explain cash flow strategy","confidence_score":0.0025901503}]},{"text":"The future considerations are those cash out recontribution strategies, maybe adding a little bit more to the investment Yes.","start_word":9921,"end_word":9939,"intents":[{"intent":"Discuss future considerations","confidence_score":0.24690542},{"intent":"Clarify future strategy","confidence_score":0.0067261914}]},{"text":"So all in all, I guess, highlight are and my favorite page is probably page which page is it? Page 81. Yep.","start_word":10493,"end_word":10514,"intents":[{"intent":"Highlight benefits","confidence_score":0.000022869805}]},{"text":"It hurts me when we start getting into the high numbers, but it's a how to implement the advice step by step. So it has each of the the time frames, the dates, the bits and pieces. It steps it out so that way it's easy to flow. Yep.","start_word":10515,"end_word":10563,"intents":[{"intent":"Implement advice","confidence_score":0.5214638}]},{"text":"And at any point when, you know, me or my team gives you a call to say, hey. I need this form signed because we're doing blah. I Yep.","start_word":10564,"end_word":10592,"intents":[{"intent":"Send form","confidence_score":0.04750752}]},{"text":"The biggest thing that I'm going to ask is if you can cc info in, so info at financial, just because my emails get hammered daily. Okay.","start_word":10704,"end_word":10730,"intents":[{"intent":"Specify information","confidence_score":0.0000060601037},{"intent":"Discuss finance","confidence_score":0.00026991728}]},{"text":"Realistically, housing prices in your area that you live Yeah. in are unstable.","start_word":11081,"end_word":11093,"intents":[{"intent":"Address housing prices","confidence_score":0.016159607}]},{"text":"So that appendix, I think is about 22 pages worth. It's just the alterations of the alternatives that I considered when I Yep. was going through the plan, and it's also like, the links to each of the investments that I've recommended on and each of the accounts and then some general tidbits and information.","start_word":11483,"end_word":11537,"intents":[{"intent":"Analyze plan contents","confidence_score":0.007955359}]},{"text":"The first thing I gotta do is sell the company shares. Yeah. Yeah.","start_word":11910,"end_word":11922,"intents":[{"intent":"Sell company shares","confidence_score":0.038670566}]},{"text":"But sitting down there with the account and having a having a talk to them, I looked at the highest possible tax capital gains that you could pay, which would basically be as if you had not like, it's $30 worth of cap like, $30 worth of capital gains added to your income. It pushes you into $70 worth of income.","start_word":11994,"end_word":12054,"intents":[{"intent":"Discuss tax capital gains","confidence_score":0.27005193}]},{"text":"We'll have a look at it all this afternoon. I was gonna read it over the weekend while I'm cooking brisket.","start_word":12117,"end_word":12137,"intents":[{"intent":"Book review","confidence_score":0.00079175073}]},{"text":"I was gonna read it over the weekend while I'm cooking brisket.","start_word":12126,"end_word":12137,"intents":[{"intent":"Confirm reading","confidence_score":0.025648043}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Paul, Larissa with you. How are you going?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.14852608740329742},{"text":"Good.","start_word":10,"end_word":10,"sentiment":"positive","sentiment_score":0.4720593690872192},{"text":"But it's I've got you down to Turner And Freeman. I don't know why. I mean, be anyone you want me to be, really. Okay. I was just alright. Helen's with me now.","start_word":11,"end_word":43,"sentiment":"neutral","sentiment_score":0.018449068069458008},{"text":"Perfect.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.5098335146903992},{"text":"Hi, Helen. How are you going? Hi, Luther. I'm fine.","start_word":45,"end_word":54,"sentiment":"neutral","sentiment_score":0.2611689567565918},{"text":"Thanks.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.45296710729599},{"text":"Yourself? Yeah. Not bad. How how is Canberra going? Nice and cold? Just a little bit on the cool side. Someone opens up the front door in the morning to get a nice breeze through the house when it's one degree. One one one degree. One degree. I'm Just just gonna one. close the door. I'm frozen. Okay. Yeah. That's So that's fair. That's Yep.","start_word":56,"end_word":120,"sentiment":"neutral","sentiment_score":0.09504709392786026},{"text":"that's a little bit nippy, guys.","start_word":121,"end_word":126,"sentiment":"negative","sentiment_score":-0.3839096426963806},{"text":"Just a little bit. Just a little bit. It's I'm like not walking gonna lie. it's like walking to the dairy counter at Costco. That's yep. That's there. I've just received Yes. two emails from you, Larissa, about signing the paperwork. That is that's just the SOA that we're gonna go through. I figured I'd get it to you while we could so we could talk through it. You obviously Okay. don't have to sign it. So you it's just a little bit easier to do it all in one. Okay. No worries. Statement. Rather than me, like, talk numbers at you the whole time, figured it was a little bit easier to kind of so you could read and ask questions as we go through. Yes. Okay. Alright. Not a problem. Far away. Perfect. Well, before I do jump into it, even though I've jumped the gun, I do need to let you know that our calls are recorded. And if I could just get you to confirm security, just date of birth for both of you when someone say the address on file. Okay. So it's Helen Hobbs, 24th Of The 126319 8th Street, This 0.2284. Perfect. Oh, sorry. Paul Hobbs. Date of birth? Twenty thirty eleven sixty two nineteen eight Yep. Bierce Point. No.","start_word":127,"end_word":343,"sentiment":"neutral","sentiment_score":0.030282697584565883},{"text":"You're perfect. I love I love that we forgot our our date of birth for a hot second.","start_word":344,"end_word":361,"sentiment":"positive","sentiment_score":0.5538470149040222},{"text":"Yeah. I I I struggle to remember it. That's Okay. I get it. We're retired.","start_word":362,"end_word":376,"sentiment":"neutral","sentiment_score":-0.06746578216552734},{"text":"The brain shuts down.","start_word":377,"end_word":380,"sentiment":"negative","sentiment_score":-0.3629527986049652},{"text":"Well, sort of wanna be retired, but I don't know if I wanna be retired because since I said retired because we need this. We need this. We need this. When are you coming down? And I have not stopped traveling to and from Melbourne for the last three months. You know what? That's fine.","start_word":381,"end_word":435,"sentiment":"neutral","sentiment_score":0.00910503789782524},{"text":"Live live that life. That sounds great. Because you get to do things on your own time.","start_word":436,"end_word":452,"sentiment":"positive","sentiment_score":0.546222984790802},{"text":"Means you can say, oh, no. I'm a bit busy this week. Yeah. Anyway, let's jump into it. So, basically, what I'm gonna do is I'm gonna give a high level overview of everything, and then we'll get down into the nitty gritty. But essentially speaking, from all the conversations we've had, basically, Paul wanted to retire and you have. Helen, we spoke about looking to either drop down hours and wanting to retire pretty soon. Yep. What what I've looked at is all the options for you to drop down your hours, retire now, everything like that. And realistically speaking, what I'm recommending from a high level is that we finish out this financial year and you retire at the end of this financial year. Okay. Cool. Okay? Now if you wanna work a little bit longer, if you do wanna drop down your hours after this financial year, it does change a few things, but high level overview, that's basically what I'm recommending as we do. So I only got nine months left Yep. and then you can pack that pack that away and finish working yourself. That makes sure that we have enough assets, enough income to be able to do everything we're wanting to do.","start_word":453,"end_word":661,"sentiment":"neutral","sentiment_score":0.12371352314949036},{"text":"It gives us the income we need to be able to survive based on the budget you've given me.","start_word":662,"end_word":680,"sentiment":"positive","sentiment_score":0.3484452962875366},{"text":"I gave you a little bit of an extra buffer in terms of an income drawdown as well because realistically, things happen and sometimes we splurge, and you guys deserve to do so. Okay. So the things I haven't taken into consideration is I know you guys said that you're willing to and you're obviously looking to sell the existing caravan, the noncollectible motorcycle, the second boat, and Yep. probably the second vehicle. I haven't considered those just because the timeline for you guys to actually sell them is when it happens. Yeah. But we can, obviously, 100% circle around and do something with it.","start_word":681,"end_word":785,"sentiment":"neutral","sentiment_score":0.10408487915992735},{"text":"And I do have a couple of ideas on what we can do.","start_word":786,"end_word":798,"sentiment":"positive","sentiment_score":0.3556422293186188},{"text":"It'll just depend on when you guys actually wanna trigger those sales Yeah. as to what's gonna happen on that front. Yeah. Now at the crux of it, and if you're going through with me, the first 12 pages are just basically me replicating information you already know. So it's page 13 of the document, of that statement of advice document. And what I wanna do is basically this financial year, pretty much the as soon as we can is transition you into what's called a TTR or a present retirement strategy, Helen. Helen. Yep. And what I wanna do is I just wanna get some a little bit of tax effectiveness happening where we take your income from your employer, pop it into your super fund, and and draw down from your superannuation fund as a secondary income. So essentially speaking, what that's gonna mean is you're gonna have two income sources coming in being paid to you rather than just the one from your employer. Okay. Essentially speaking, at a high level because I don't I don't wanna read verbatim all of the words to you. It it it's in a document and everything. But what that means is that essentially, you're going to salary sacrifice $841.54 per fortnight. So that's Yep. gonna come out of your gross income, which equates to $21,880 across the So Yep. that's gonna drop your gross income down, which means that your taxable income is only gonna be about $66, which means you're gonna pay about $7,000 less in income tax. Yeah. And then we replace that lost income with a pension drawdown for $594.66. And you end up taking home actually a little bit more than what you are currently from that income source. So I Okay.","start_word":799,"end_word":1094,"sentiment":"neutral","sentiment_score":0.09094700674098488},{"text":"increase your income by sort of about $600 across the year.","start_word":1095,"end_word":1105,"sentiment":"positive","sentiment_score":0.35306957364082336},{"text":"We're not talking lots, but a little bit right now. Now this is all in stage one. So all of all of these this point is all what is what's happening or what I'm recommending that we do from basically now until the end of this financial year. Okay? Yep. Now essentially, what this is gonna do is this saves on tax. So we end up saving I should know the number. I've only looked at it 15,000 times. $3,720 roughly in in tax across the your taxable income and your superannuation tax. Because when the money goes into your superannuation fund, it does get taxed, but it gets taxed at that lower superannuation rate of 15% rather than your current rate of Yes. income tax, which you're sitting on the 37 rate. Yes. Yes. So it's just giving you that little bit of a a tax buffer, putting more into your super fund, and you're drawing out less because we're fading on that tax on that side of things. Does that make sense? Yep. It does.","start_word":1106,"end_word":1282,"sentiment":"neutral","sentiment_score":0.09643828123807908},{"text":"Perfect. So I wanna do that.","start_word":1283,"end_word":1288,"sentiment":"positive","sentiment_score":0.4257648885250091},{"text":"Then for Paul, what I wanna do is I wanna set up an account based pension. So we get a little bit income coming to you guys at the moment for the next nine months just to be able to keep up with the expenses that we have. So it basically, we take the entirety of your balance that you currently have, and we push that over from an accumulation phase into an account based pension phase. Now Yep. this financial year, I also recommend that now that we've ceased employment with your ex employer that we look at selling the company shares. Because your income this financial year has essentially been 42 and chain, Yep. you're in a really low tax bracket. So we can sell those sell those Yep. shares because I know they're about $30 worth and Yep. obviously that fluctuates. But there's there's about $30 worth. The capital gains, because you've been accumulating them slowly over your employment term, will all be calculated, like, differently across the term of the ownership. Yep. But I recommend we sell them now. That way, they're liquidated and you're done with the company, so to speak. Yep. And it means that we're not gonna be holding them for a longer period of time than what we need to. The tax laws change moving forward soon, and I just think it's better if we get offload those now and just reconsolidate things a little bit tidier Yep. than to keep holding on to them. Yep. Now what I wanna do is I wanna pull what is essentially it's $2,765.40 from the pension account per fortnight over the next sort of nineteen fortnights Yep. remaining in the financial year. Okay. Okay? So what that's gonna do is just give you guys that little bit more comfortable income stream while we have the mortgages going on Yep. and every closure. Yep. Now that is basically the income side of things covered. And then what I wanna do is just do a little bit of a change to our super funds. Now because, Paul, we're moving you into a account based pension, Mhmm. Yep. you are capital gains free. So Yep. doesn't matter what we do in that account based pension, you're completely capital gains free. I can sell every single asset and liquidate all of it and buy again, and you paid sorry. Hiccups. You paid Yep. nothing in tax. Yep. Helen, because you are still in an accumulation and working, had to be very selective as to what assets I sold down and how I distributed the funds because otherwise, the capital gains tax could be sort of the most capital gains you would have paid was about $5. And considering we're so close to retirement, it made no sense for us to liquidate a a tax implication to that degree Yep. now. So I picked I was very, very choosy about how I redistributed things. And my ultimate goal with both of you was to get rid of anything that was a little bit under like, on any underlying funds that just weren't pulling their weight performance wise and also to drop the overall cost of the operation of the fund. So Yep. a couple of the assets that you were you were invested in previously were just a little bit costly. They were doing well. Don't get me wrong. Like, it's not like they weren't pulling their weight performance wise, but they they were, like, 1% in an investment cost Yeah. where I can could redistribute that and cut that into cents. So that's what I had an aim of doing was to basically redistribute the cost, just decrease it down, and I've been able to do that. So whole I did a full overhaul of your investment portfolio, dropping the investment fee from $36.35 across the year down to $15.14.","start_word":1289,"end_word":1939,"sentiment":"neutral","sentiment_score":0.05630626337754378},{"text":"That's fine.","start_word":1940,"end_word":1941,"sentiment":"positive","sentiment_score":0.34104469418525696},{"text":"So massive like, it's it's $2,100 in savings across the account across the year in that investment fee positioning, Yeah. which Hold the on. investment fees are all built into the actual operational cost of the account. So it's not something you always see, but they do they do exist, and I always Yes. wanna make sure that I can account for that. It's not something you don't necessarily always see when you're looking at a at a report on the account, but it's something that I take into consideration and I look at because some of the investment can be costly Yep. from an underlying cost base, and I wanna make sure I consider that in the overall operations of it.","start_word":1942,"end_word":2063,"sentiment":"neutral","sentiment_score":0.07650840282440186},{"text":"So I considered how that all looks across the account and was able to, yeah, literally cut it in more than half, which was actually amazing.","start_word":2064,"end_word":2089,"sentiment":"positive","sentiment_score":0.40217921137809753},{"text":"Now, Helen, I was able to drop yours from 1622. Oh, computer's loading. That's fine. Down to it's 900 and change.","start_word":2090,"end_word":2110,"sentiment":"neutral","sentiment_score":0.20627489686012268},{"text":"So it ends up being a $681 savings Thank you. across the account, which is fantastic. Yep. Awesome. And we were able to save some stuff. Now performance wise, Paul, your your your performance across historical performance data increases by that 2% year on year. Helen, yours is actually pretty much in line with each other.","start_word":2111,"end_word":2166,"sentiment":"positive","sentiment_score":0.48366853488343103},{"text":"Like, I it's because I haven't changed too much of the assets around. It's just I had more of a focus to Helen on actually looking at the the the investment cost than the performance because the performance was really working well within your your investment. It was just a matter of that performance cost was a little bit higher than what I would not necessarily like, I guess. Now is everything making sense, or am I running a million miles an hour because I'm somehow living on two hours sleep? I don't know. That's fine.","start_word":2167,"end_word":2262,"sentiment":"neutral","sentiment_score":0.1796724498271942},{"text":"Everything makes perfect sense so far.","start_word":2263,"end_word":2268,"sentiment":"positive","sentiment_score":0.5146631598472595},{"text":"Well done. When just Now one question. When you mentioned Yes. Absolutely. on zero capital gains, that Yes. doesn't that doesn't include the investment property when we go to sell that guy, does it? No. That's just within the that's just within the Yeah. the the the superannuation account. Yeah. I'll I'll get I'll get to the investment copy. Don't you worry. It's coming. Yeah. Yeah. Sorry. Sorry. No. Don't apologize. Not at all. Fire questions away. I'm always happy to answer questions. Absolutely. Now I'm on sort of page 33 ish because I've Yeah. I've read this document that many times. I'm kind of back to front and upside down with it. What Alright. happens when you write it? Now on page 33, there's, like, a buy sell spread. So it shows what assets I'm getting rid of, what assets I'm rebalancing. So for example with polls you're a little bit underweight in gold so I'm buying a little bit of gold. I'm buying a little bit more in one of the cool composite bonds that you have. I'm Yep. so I'm dumping or I'm I'm getting rid of the Bennelong asset. It's an Australian investment asset. Its performance has been pretty air. Yeah. It's doing okay. It's just been air and it's 1% investment fee. BHYB, which is the banking hybrid, banking Yeah. hybrids are being phased out within the next it's 2022. I'm sorry. 2032 Yep. that they're being phased out. So rather than wait for the asset to be phased out, I'd rather get rid of it now while it's performing well and while the asset is actually sitting in a good price point rather Yes. than waiting for it to be phased out and you get to whatever the replacement ends up being. Legislatively, they're being phased out not just with the investment manager, it's across the board banking hybrid. So I made the choice to get rid of that. I'm swapping the tech and lithium asset for a cyber security, so moving more a little bit into the AI sector Yep. than the system and then just diversifying a little bit out into some, like, Europe, Japan, stuff like that. So nothing crazy per se going on. Just literally just a little bit of a redistribution of assets across the board. Yep. Helen, for some ungodly reason, my computer is loading slowly. But, Helen, I've done what I've done is you have a ClearBridge infrastructure income fund. Paul has it too. I've dumped it completely from Paul Paul's. But that's pretty much the only thing I'm actually getting rid of under yours is I'm getting rid of the infrastructure income fund, and I'm swapping Yep. it for a much cheaper hedge ETF, which is a it's a global infrastructure fund. It's just it's it's that's where the majority of the the cost is coming from with your account. The BHYB, I haven't gotten rid of out of your account yet because it's performed well. If I dump it from your account now while we're not in pension phase, capital gains starts hitting us. Okay. And it's it's not huge if I just dump that, but I'd rather just hold off.","start_word":2269,"end_word":2804,"sentiment":"neutral","sentiment_score":-0.017849310169191057},{"text":"It's performing well.","start_word":2805,"end_word":2807,"sentiment":"positive","sentiment_score":0.37125128507614136},{"text":"It's just I would like to make a move and a pivot on it eventually, and that'll sort of come in a few months' time. Okay. And by a few months, I mean, probably closer to 12. So rather than overcomplicate things by saying let's do this now and then this in twelve months, I just figured I'd stage one, and I have left myself a nice note as to where I wanna head next year anyway. And I figured I'd hold off and depending on how the market goes, we might I might change that anyway. Okay. I looked at too many things to be able to wrap my head around, but it's okay. So that's where the assets fit from that perspective. So not a huge amount of changes. Just for you, it's literally just a a straight one for one swap. I'm Yes. not rebalancing anything in your account because, again, triggers capital gains, so I don't wanna push that rebalance. It's not too far off kilter in terms of asset holdings. You're a little bit high in gold, but that's not like, like, I'm I'm okay with that at the moment. It's not anything too bad.","start_word":2808,"end_word":3007,"sentiment":"neutral","sentiment_score":0.17340105295181274},{"text":"And we're only gonna ride that for for nine months, basically, because what I wanna do is we're gonna connect later late June at the latest Yep. to basically touch base, make sure that you're all happy to pack up and go from there.","start_word":3008,"end_word":3051,"sentiment":"positive","sentiment_score":0.3836735785007477},{"text":"Okay. Now does all of that make sense?","start_word":3052,"end_word":3059,"sentiment":"neutral","sentiment_score":0.2177475243806839},{"text":"Like, that's that side of things is pretty straightforward in Yep.","start_word":3060,"end_word":3070,"sentiment":"positive","sentiment_score":0.3558337688446045},{"text":"terms of where we're sitting. Because it's it's literally Paul's already retired. We're Yep. gonna sell the company shares, Yep. set up a set up an account for him and get some money paying to you guys. And then for you, it's gonna be a set up set up a partial pension account. And then you're gonna have two income streams. One from your employer, one from the pension account.","start_word":3071,"end_word":3140,"sentiment":"neutral","sentiment_score":0.23003441095352173},{"text":"I will draft up the letter for the salary sacrifice so that way you can just hand that straight to to work and do it all. Thank you. That way you don't have to think about numbers and read through a 85 page document to find it again. I appreciate that.","start_word":3141,"end_word":3191,"sentiment":"positive","sentiment_score":0.478779137134552},{"text":"Look, I tried to keep it small. No.","start_word":3192,"end_word":3199,"sentiment":"neutral","sentiment_score":0.06591436266899109},{"text":"You did really well, actually, because it's very, very compacted, but, no, it makes sense. So I've I've clicked through it very, very quickly.","start_word":3200,"end_word":3223,"sentiment":"positive","sentiment_score":0.4848843812942505},{"text":"But I I have one quick question which you might cover later on or it might not be part of it. But Yep. because I've got long service leave and I've also got an abundance of sick leave, I'm trying to be a bit prudent and start using my sick leave at the moment in lots of different ways. But I've got probably about two and a half, three months worth of long service Long leave. term. So Yes. do I have to take that before the end of June? Do I do No. that And after July? I did I did I did consider it. I haven't included it in the document here, but I did consider it. Okay. And realistically, because your which I was asked to touch on anyway, so we'll just we'll kinda circle down to it anyway. Because your share of the property is so low, Yep. because you only have 10% whereas Paul has 90, That's correct.","start_word":3224,"end_word":3386,"sentiment":"neutral","sentiment_score":-0.030217666178941727},{"text":"It it actually works out nicely if you do continue working next year.","start_word":3387,"end_word":3399,"sentiment":"positive","sentiment_score":0.5214864015579224},{"text":"Because realistically Yep. so stage two of the document is the twenty twenty seven, twenty twenty eight financial year, Right. which is essentially in July, first and foremost, hey, Helen. You're done with work. Retire. Okay.","start_word":3400,"end_word":3435,"sentiment":"neutral","sentiment_score":0.09095551073551178},{"text":"That sounds good.","start_word":3436,"end_word":3438,"sentiment":"positive","sentiment_score":0.396300733089447},{"text":"Yeah. And with that, you can take your long service leave. So you could you basically hang up the hat in in, say, June, what whatever week would work for you, and start taking your long service leave. Yep. It depends on your company, and this is the part that I got stuck on a little bit. Yeah. It depends on your company and how willing they are to do things because there's two ways to take long service leave. You can either get paid out a lump sum, which if it's a lump sum, we're definitely gonna make sure that it's paid in the 2728 financial year. Yep. If it's a if if they can pay an income stream, then Yep. it's it it's fine because it'll just be, you know, weekly fortnightly payments, and it's not gonna like, it still ends up being the same amount of money.","start_word":3439,"end_word":3588,"sentiment":"neutral","sentiment_score":0.0916046702861786},{"text":"But if you quit work in the June and they try and pay your long service later's lump sum, it's just gonna mess up the tax year for this current financial tax year.","start_word":3589,"end_word":3621,"sentiment":"negative","sentiment_score":-0.5415256023406982},{"text":"Right. Okay. So, ideally, I could give mine I could give my notice in for the June 30 and then no. And then take long service leave for that next period of two and a half months, which would take me to mid Yep. September and then basically just not go back to work. Correct. Yep. And Yeah. not go Okay. back to work and and and be done. And the long service leave the the fun part about it is if they pay it in in installments, you actually accrue annual leave Yep. as well. So it means that after two and a half months worth of long service leave, you'll then have an allotment of annual leave on the back of that, which, Yep. you know, 2.5 is basically gonna be sort of a week's worth Yeah. of annual leave. Idaho. Yes. Two weeks? No. It'll be half a week. Half a week? Half a week. Half a week worth of annual leave that'll be accrued during that period that you can then get paid out as well. So it's back and forth super funny, but Yeah. But that that's sort to of that be side done of thing. after the July 1 because they they I've gotta Correct. get Yeah. that's totally keeping me. So I I give my notice in in June, but I have to either accept the payout for in the July 1 onwards, or I do the long service leave where it just winds itself down. On your own long service leave, you're telling me 27. There's financial here 27 that you're gonna retire. 2627 or 2728? 2728. Twenty 07/28. Yes. I'm trying it so I retired the July 1, not June? You go on long Yes. service. Yes. So it'll be the June 30, the July 1, whichever whichever works out. Right. And then you tell them you're resigning in the financial year of 2728. Midway through next year. Yep. 2627. That's the financial year we're currently in. That's right. You go on long service leave in your current financial year. When the long service leave then extends over into the new financial year, you then tell them you're going to resign. You're you're retiring in the new financial year, Yep. not this current month. Yep. Is that right, Luisa? That's correct. Paul's got it right. So, basically, you at the like, however how many weeks you need to give them notice, you would say at the you know, it might be May. You might turn around and say, hey. I'm gonna take my long service leave. I'm gonna Yes. start my long service leave on the Rest 20 assured? June 8. Yes. Right. And I'm gonna start my long service leave on the July 5, whatever whichever date you wanna sort of call it because that unfortunately, the the this financial year finishes in on a midweek. Yes. But you would then start your long service leave and just continue through your long service leave. I'm assuming you probably have a four week notice period to tell them you're quitting. Yep. So halfway through your long service leave, you'll just turn around and say, hey. By the way, I resign. Thanks. Yes. I'm just calling. Okay. No worries. Thank you. That's okay. Look. I could pretty much draft up your your your letters of retirement if you want and put the dates on them that you have to send them. Oh, that's fine. Thank you. If you yeah. No. I appreciate that. Thank you, Lisa. That's okay. So you retire and you run your long service leave. Now because they're gonna meet again at the, like, June like, mid June this Yes. year before you go on your long service leave, we can kinda touch base as to how your employer is gonna pay you out because you may turn around and give notice or your intending intended long service leave, and your employer may say, hey. Be honest. Are you retiring? And you you may, depending on how you're feeling, actually turn around and say, yes. I am retiring. And they may then make the decision to lump sum pay it. It's not an issue if they lump sum pay it so long as we get make sure that they pay it next financial year, so 2728 after the July 1, then it's all kosher. Okay. It's just dependent on how it all falls, how honest you wanna be with them. I have, like, four clients that are retiring within the next nine months on the government a month ago, and they're all sort of different. It's just it's employer based. Okay. Now the reason it's important is because of, obviously, the intention to sell the investment property. Now I went off a basis of 1.45. I know you guys have previously told me it's about 1.4 worth Yep. of the house, but I'm I had a look in the area and I had a look at property growth rates, then I increased it a little bit. I think my calculations ended up being, like, 1.452 something rather. So I rounded it because I hate dealing with non round numbers.","start_word":3622,"end_word":4491,"sentiment":"neutral","sentiment_score":0.028338594224047043},{"text":"It makes things messy.","start_word":4492,"end_word":4495,"sentiment":"negative","sentiment_score":-0.34031152725219727},{"text":"So I went off a value of one four five. I looked at realtor costs down in I use in the in Sydney as a base. I know that Glenfield's not quite in, but I went with the highest possible realtor cost as a percentage. I added on marketing cost and a conveyancer. That's really all the cost that you're gonna incur when it comes to the property sale Yep. until you obviously get to settlement and depending on how much of the rates you paid and how much of the blah blah blah and everything else that's due or overpaid or whatever the case may be. That'll get settled at settlement, and that's not something I can calculate unless I knew the exact date you were gonna settle. Yep. And that's conveyance's job, not mine. That's Not why you sure. pay them. So what I got was we sell the house for $14.05. Obviously, if this figure changes, it does change things a little bit, but irrespective, we deal with sort of the bulk of it. It's $14.05 realtor marketing conveyancer cost of $50 Based on that sale so we bought the house for it was landed package of $4.00 $9,600 back in the 2012. 90% of the property is owned by Paul, 10% owned by Helen. The sale price of $14.05 will result in a 145,000 of that sale being allocated to Helen and that remainder 1.305 being allocated to Paul. The sales cost gets split across as well, so 5 to Helen, 45 to Paul. The purchase price is split. So of that $409,649.60 is Helen's, $3,686.40 is Paul, which means that after everything's said and done, the capital gain allocation ends up being $495.20 to Helen and $4,456.80 to Paul, which means that at the combination of it all, Helen's paying $5 well, just $58.41 of tax because the capital gain is what you add to your your income. Obviously, neither of you have an income for that Yep. financial year, so then it carries over. So, Helen, if you do end up getting a lump sum payout, you know, with your long service leave, any of that, that's why I'm not fast. Because you have such a small holding of the property, Okay. you earning a little bit more income from, you know, three months worth of What? well, two and a half, but, you know, three months worth of long service leave isn't going to push us into a silly area at all. You're not gonna be jumping brackets is the main part, Yep. which is good. Yep. Yep. That's good. So we stay in I'm supposed the same brackets to. we're currently in. Paul, you're obviously, you know, little little bit higher, just a smidge. Nothing crazy. Oh, you're funny. Yeah. This is this is it. Higher. It's just, like, $1.90 $1,799.47 in tax payable. So it means that our capital gain is something about a 185,000. Yeah.","start_word":4496,"end_word":4990,"sentiment":"neutral","sentiment_score":-0.02215105297721245},{"text":"That's good.","start_word":4991,"end_word":4992,"sentiment":"positive","sentiment_score":0.5007302165031433},{"text":"At 10%. Yeah. Okay. It's better than the 50% if I was employed. Yeah.","start_word":4993,"end_word":5006,"sentiment":"neutral","sentiment_score":0.2692667245864868},{"text":"Absolutely.","start_word":5007,"end_word":5007,"sentiment":"positive","sentiment_score":0.37312063574790955},{"text":"Now the really there are a couple of things that we can do when we get that far to actually sell the house, and what I will do is a limited scope of advice piece at that time. But pending what we actually sell the house for and where things sit is we could do some lump sum contributions into the super fund. And because Paul's not working, we could basically pop 32,009 $32,500 into his super fund and claim it as a tax concession against that capital gain. Yep. But that will be a next year piece Yep. of advice Yep. that I will actually loop the the your accountant in on when we sell the property. And it'll be after the property is sold, and we know what all of the actual figures are, and we can do it anytime during that financial year. I'm not too stressed because we'll Yes. have the entire financial year to deal with it. So long as you don't go and sell it, you know, in the the May 2028, that would really suck, but that's okay if you do. Not So a just few mean we're we're taking our tails. Yep. Yep. Now ultimately speaking, I do want you guys to try and sell the house earlier Yep. than later. However, looking at your tax return, the house is pretty neutral anyway. So it even if you do keep the property for an extended period of time, it's not going to affect us tax wise too much because the property is pretty well neutral in terms Yep. of you know, it's not positive or negative. It's a little bit negatively geared. At least Yes. it was in that tax year whether that changed a little bit because we've paid down mortgage and stuff like that. Yeah. It was in that tax year. Mhmm. Okay. We've Now got a book with the accountant soon as well. We're a bit late this year. So Me too. yeah. Now where the cash all sits. So house gets sold, realtor cost, capital gains tax, we pay the Glenfield mortgage because it Yep. it has to get paid. It'll get paid during the settlement. That should Yep. leave us with roughly pending sales cost and everything else about $755,221. Yep.","start_word":5008,"end_word":5391,"sentiment":"neutral","sentiment_score":0.010259198024868963},{"text":"Super cute.","start_word":5392,"end_word":5393,"sentiment":"positive","sentiment_score":0.650589108467102},{"text":"Now what I propose that we actually do is we utilize that 700 and let's call it three quarters of an hour, Yes. and we add what's called a downsizer contribution into both of your super funds. So it's a $100,000 that can be popped into both of your super funds Yes. after the sale of the property. So that's $200,000 gone out of that.","start_word":5394,"end_word":5458,"sentiment":"neutral","sentiment_score":0.17492958903312683},{"text":"Yep. We utilize a 100,000 more of that money to buy the caravan that we wanna buy.","start_word":5459,"end_word":5475,"sentiment":"positive","sentiment_score":0.3808777630329132},{"text":"I went on the upper side. I know you know you told me between 80 to a Yep. 100, but Yep. I figured I'd go on the upper side of that. And we still have plenty of room to move with that, by the way, but a 100. And then we use 3.5 of it to pay off our current resident mortgage. Yep. That would leave us with by the time we allocate the 200 to the super funds, 100 to the caravan, and the 3.5 to the mortgage, it leaves us with a 100,000 left over from the sale and the Yep. 270 we have sitting in the offset. Yep. So we have $370,000 to do things with. Yep. That's where the fund comes in. So the the tables that I have here just kind of, like, dot point and kind of just show where the money's going Yep. to sort of explain it all.","start_word":5476,"end_word":5631,"sentiment":"neutral","sentiment_score":0.16485090553760529},{"text":"Why are you blank? You're not blank.","start_word":5632,"end_word":5638,"sentiment":"negative","sentiment_score":-0.4099760949611664},{"text":"You're just pretending to be blank. Cool. I'm gonna keep talking. I know what the document says, but I'm gonna assume that I'm saying it in the right order. So what I wanna do after we essentially sell the property and pay the capital gains and deal with everything is just finalize your financial position. So that is a matter of looking at where where we get our cash flow from and Yep. what we do with everything moving forward because you guys will have no mortgages overhead and everything will need to get basically refreshed.","start_word":5639,"end_word":5734,"sentiment":"neutral","sentiment_score":0.17177249491214752},{"text":"Yep. So what I wanna do is I wanna refresh our pensions and get everything up and running.","start_word":5735,"end_word":5752,"sentiment":"positive","sentiment_score":0.410808801651001},{"text":"Yep. So, Helen, Yep. yours will be I believe it is Helen's note. But anyway, what I wanna do is is basically take Helen's account and merge them into one and create just a full straight up pension account.","start_word":5753,"end_word":5791,"sentiment":"neutral","sentiment_score":0.1886463612318039},{"text":"Yep. It'll be it's what's called an allocated pension, so you will be in the same position Paul's in.","start_word":5792,"end_word":5810,"sentiment":"positive","sentiment_score":0.3534892201423645},{"text":"Hold for you, what actually happens on the sale of the house is we open up a brand new accumulation fund to put that $100,000 downsize of contribution in, Yep. and then we reamalgamate the money back into one Yep. account. So it'll all happen from a back end point of view. The only thing you're gonna see is I'm gonna be sending you applications left, right, and center, and I'm just gonna go say sign this. It's for this part of the advice. Yep. Yeah. Because all of these stages, they're all gonna need applications at the time that we triggered the the, like, the the stage. Yeah. Not it's not like I can send everything to you now bulk and get you guys to sign off on it all No. over Of course the not. next nine months. Yeah. I get Of that. course not. That would be too Just easy. trying to bring the rest really quickly. I'll also have a UK pension. So I ended up You paying do. I the know kind you do. of the class c contributions to The UK that they've now Yes. received and put into my pension account, I presume. So there will be an income coming from UK for my UK pension. I don't know if that's what you you need to know. You won't get that to be seven now. Nope. Oh, no. Trust No. me. I know all about it because we both talked about it, and I told you you paid premium. Yep. Yep. I I didn't include this I didn't include the the payment from The UK to here. A, there there's there's a couple of different layers. A, whether you intend on keeping the money in The UK so that way when you, like, go and visit family, it's available to you there Yep. rather than paying the transfer cost. Yeah. And b, it doesn't work the same as the pensions here in Australia. So the amount that you get paid from it changes. So what I've allocated that money to because, basically, I've estimated based on where it currently fits and what it's doing at the moment because I told you to do the top up additional payments. It's not acceptable until you're 67, a, Yeah. Yep. but, b, it's gonna be about $350 a week, which is about $18 a year. Yeah.","start_word":5811,"end_word":6210,"sentiment":"neutral","sentiment_score":0.025105920461937783},{"text":"And what that's gonna do with that, that's just gonna, at 67, give you a little bit more of a of a boost to your income and allow Okay.","start_word":6211,"end_word":6239,"sentiment":"positive","sentiment_score":0.3369426131248474},{"text":"you to go on a little bit more extravagant holidays and stuff like that.","start_word":6240,"end_word":6253,"sentiment":"neutral","sentiment_score":0.2876528203487396},{"text":"Fair enough. So it's you cash flow wise, you guys are so fine. Yes. Like, honestly, so fine.","start_word":6254,"end_word":6271,"sentiment":"positive","sentiment_score":0.4646839499473572},{"text":"By the time you hit 67, you'll basically be on about a $100 a year because of the The UK pension. It is in the document. I've included a statement there. It's on page 70, Okay.","start_word":6272,"end_word":6307,"sentiment":"neutral","sentiment_score":0.1809987723827362},{"text":"which Thank well, you.","start_word":6308,"end_word":6311,"sentiment":"positive","sentiment_score":0.38140901923179626},{"text":"I'm nowhere near yet. But, anyway, I'll go back up. No. No. You're fine. You're fine. As I said, I just thought of it as you were you were talking, and I'm like, I better quickly ask. So now Oh, that I take big. care of that. Dang. No. You're so fine.","start_word":6312,"end_word":6363,"sentiment":"neutral","sentiment_score":0.010647601447999476},{"text":"You're so fine. So well, bye bye. Cool.","start_word":6364,"end_word":6371,"sentiment":"positive","sentiment_score":0.3614115118980408},{"text":"There. So we're selling the property.","start_word":6372,"end_word":6377,"sentiment":"neutral","sentiment_score":0.2934717833995819},{"text":"Because we sell the property, we're freeing up about $60 a year because we're no longer having to deal with the property cost, and we are going to pop some money into the super funds, pay off all the mortgages, and be debt free and happy. We have about $370 left over at the end of it all from the property sale offset, everything like that.","start_word":6378,"end_word":6443,"sentiment":"positive","sentiment_score":0.5109993815422058},{"text":"Yep. And then what we need to do is we need to commence an account based pension for Helen. So what that means is we basically merge everything into one, and your account based pension will end up paying you $1,442.30 per fortnight or $37,500 across the year, tax Yeah. free. So what's Yeah. gonna happen is we're no longer gonna need need to deal with with any of the the pesky tax stuff. But we look. We still do. Don't worry about it. But it's not gonna be the headache Yeah. that it currently is for you both, having to Yeah. deal with the investment property, having to deal with, you know, getting valuations and all the rest of the rigmarole. It's gonna be pretty down the line. Now you're pulling a little bit over the minimum for your account. So because you are under 65 by the time we start this, your account minimum is 4%, which based on the account balance you'll have at that time would be about $22,500. We're pulling a little bit over that. We're setting a specific amount because it's what you guys need cash flow wise, not anything else. Yeah. Yeah. Now what I've done is I've done a bit of a table to show where like, how the money kind of will trickle feed through, page 48. So how your account balance migrates moves and eventually by the time we're sort of sixty two sixty three, that account is actually gonna sort of be exhausted. Yep. Sorry. 62 sorry. 9092939293. Sorry. Sorry. Get my numbers right. That account will be exhausted. You have a slightly lower starting balance than what Paul does, but it's okay. Paul Paul is gonna fold this through for us. That's right.","start_word":6444,"end_word":6738,"sentiment":"neutral","sentiment_score":0.08090758005441245},{"text":"And we have a a cute another little savings account on the side anyway. So it gives longevity. We have plenty of income coming in to support you in terms of of income, and that's only half of our income need.","start_word":6739,"end_word":6779,"sentiment":"positive","sentiment_score":0.47161707282066345},{"text":"If we scroll down past all the risks, warnings, advantages, and disadvantages, we come to polls where, basically, for poll, do the same thing where we merge all the accounts through a refresh because we'll have those two accounts open. We merge both the accounts back together again and restart the account.","start_word":6780,"end_word":6831,"sentiment":"neutral","sentiment_score":0.13502632081508636},{"text":"Oh, that's cute.","start_word":6832,"end_word":6834,"sentiment":"positive","sentiment_score":0.7363883852958679},{"text":"The opening balance on the account at that time will be $9.89 because we will have over the last nine months drawn down a little bit of money and then popped a $100,000 into the account from that property sale. The Yeah. account balance will be sitting up at $9.89, and then the intention is to draw $37,500 from that account as well. That gives us the $75,000 that from the budget that you guys sent Yep. is what you guys need. So, obviously, less than mortgage pay repayments. Yeah. Your budget is 75,000. It was short of 75,000, but I gave us a little bit of a buffer. If you guys Yeah. want more, we can definitely accommodate more. It's not gonna be an issue. And, obviously, once you guys do settle into retirement life, you may realize that the budget might not fit, might need a little bit of adjustment, and we can adjust and pivot where needed. We have plenty of room to do so. So for Paul's, as you can see, the account's still going at 98.","start_word":6835,"end_word":7015,"sentiment":"neutral","sentiment_score":0.08092886954545975},{"text":"We're pretty good.","start_word":7016,"end_word":7018,"sentiment":"positive","sentiment_score":0.431306928396225},{"text":"That's that's in a stress.","start_word":7019,"end_word":7023,"sentiment":"negative","sentiment_score":-0.35508647561073303},{"text":"Now because we are we're gonna have $370,000 at the end of the sale of the property and the distribution of funds to pay the mortgages and all the other bits and pieces and everything. What I wanna do is I actually wanna pop that money into a investment account for you both. It'll be in joint names. It'll be connected to your hub twenty four super fund, but it is an investment account. Now while there is consideration for the fact that an investment account can incur tax when we sell it. Yeah. The majority of your income stream is gonna come from your superannuation funds. And if we ever do sell down on the investment there, a, it's in joint names, and b, I wouldn't anticipate that you guys are gonna need to sell down on an exuberant amount of money. So the tax implications are gonna be minimal to not there. Yeah. Okay. Because unless you guys are anticipating, you know, turning around and being like, we need a $100,000 and we wanna take it from there. If that's the case, you've earned $50,000. $50,000 tax is basically equivalent to about $5 worth of tax, call it, Yeah. just to keep around. So we're not gonna be paying an exuberant amount of tax if we do have to liquidate that that asset, Okay.","start_word":7024,"end_word":7249,"sentiment":"neutral","sentiment_score":-0.013735214990060942},{"text":"and it just adds a little bit of spice to it all.","start_word":7250,"end_word":7261,"sentiment":"positive","sentiment_score":0.4327823221683502},{"text":"Yep. The other consideration was that we could pop majority of it into Helen's Superfund under non concessional. But Yep. what I do wanna do moving forward is in sort of twelve months, two years, after everything settles for you guys and we sell the property and we have everything done and everything's kosher, is I do and it's not included in this advice document, I'll be clear, because I didn't wanna overload you, but I'm talking about it anyway, is do what's called a a recontribution strategy where Yes. where which is where we basically take money out of the account, pop it into an IDPS for a day, and then pop it back into the super fund. And Yep.","start_word":7262,"end_word":7382,"sentiment":"neutral","sentiment_score":0.1903780698776245},{"text":"what that does is it converts the funds into a tax free benefit.","start_word":7383,"end_word":7395,"sentiment":"positive","sentiment_score":0.3390873074531555},{"text":"Yep. Now the benefit of that is is whilst I know that you guys are beneficiaries for each other, if anything happens to the other one and then the money that you have in the Superfund for example, if something happens to Helen and she passes away, Yep. Yeah. because Paul has the highest benefit there, the the benefit that would then be paid to the secondary beneficiary would be taxed on Correct. the taxable Yeah. component, which is the most which which which is quite a high amount.","start_word":7396,"end_word":7484,"sentiment":"neutral","sentiment_score":0.09368278086185455},{"text":"So what I wanna do is I wanna start trying to get to the point where we can kind of get you guys into a little bit more of a tax effective position.","start_word":7485,"end_word":7517,"sentiment":"positive","sentiment_score":0.391838937997818},{"text":"Sorry. A little bit more of a tax effective position inside the super fund. So Yep. I don't wanna go eating into the non concessional contribution amount inside your super funds with this 350,000 because I wanna try and get the amount that you have in your super fund to a tax free Yes. bit. Yep. But while we're doing all of the sell the property and everything like that, I just don't wanna overload it, and it's gonna be a we touch on next year once we know Yeah. what the property sale and everything looks like. Because if the market goes for a boom down in Sydney all of a sudden look. Not anticipating it doing so. But who knows? They're If not it does go through a boom or something happens, Yeah. I just wanna have room to move and and wiggle, and we can we can No. add pieces of advice to this quite Yep. easily. Not easily, but we can we can add to this. It's a lot easier than taking away from it. Yep. Yep. That's what it is down. So investments are pretty much really, really similar to what you guys already hold. It's a a bit of a a move through a lot of the assets that you guys already have in. I've doubled up on the last three, but anyway, it's the same assets as what you guys already hold across some of your your other assets. It's just that it's a little bit different fluidity or the different waiting, Yes.","start_word":7518,"end_word":7777,"sentiment":"neutral","sentiment_score":0.057563064648554874},{"text":"and that just gives us a nice cheap overview of the account.","start_word":7778,"end_word":7789,"sentiment":"positive","sentiment_score":0.3869338929653168},{"text":"I have replicated Helen's risk profile, so a little bit more conservative than what Paul level has been than going to the increase because we don't wanna take risk with this money. We wanna be pretty chill with it Yeah. and go from there. Obviously, if we kept it in cash, we'll be sitting at the cash rate. The banks never pay 4%, but Yeah. for argument's sake, if you were to put it into a term deposit for 4%, you'd be making pretty muchly nothing. It could be sort of over five years, you'd you'd make not much Yep. versus if you if we pop it into the investment, we're looking at more like an eight percent investment return.","start_word":7790,"end_word":7909,"sentiment":"neutral","sentiment_score":0.0300289373844862},{"text":"I stress tested it as well, and I'm really happy with having this kind of structure to it. Okay. Cool.","start_word":7910,"end_word":7929,"sentiment":"positive","sentiment_score":0.6467788815498352},{"text":"And, of course, later down the line, we can always drip feed that money into the super funds later, but Yep. I wanna try and focus more on trying to get a lot of the superannuation balance balance into that tax reposition over the next few years rather than push for trickle feeding that money in.","start_word":7930,"end_word":7985,"sentiment":"neutral","sentiment_score":0.15430165827274325},{"text":"Now Centrelink is totally off the table.","start_word":7986,"end_word":7992,"sentiment":"negative","sentiment_score":-0.5763937830924988},{"text":"Yeah. I've gathered that.","start_word":7993,"end_word":7996,"sentiment":"neutral","sentiment_score":-0.2774619162082672},{"text":"It would never be happening. I just Yeah. like, all the money disappear.","start_word":7997,"end_word":8009,"sentiment":"negative","sentiment_score":-0.4259531795978546},{"text":"Yes. I've been working on that. Yeah. Yeah. It is. But I I I did the research, so I popped it in for you anyway just so you could have a look at where it sits and just give you a kind of a bit of a rundown. At. So based on all the strategies today, Centrelink's on the table. These are all the assets you kind of hold. Obviously, if you upload some of the assets, we can look at what we do with it. So if we do end up selling, you know, boat two, motorcycle, Yeah. and the other car, we Yeah. could look at maybe popping that money into that investment account in the future and or it's holiday money. I know that you guys wanted to go to Italy. Yep. Italy? It was yeah. It is Italy. 63. Sorry. Yep. All of my clients are traveling at the moment.","start_word":8010,"end_word":8163,"sentiment":"neutral","sentiment_score":0.08531931787729263},{"text":"It's actually really difficult because I'm not. Ouch.","start_word":8164,"end_word":8171,"sentiment":"negative","sentiment_score":-0.3602542281150818},{"text":"So I know.","start_word":8172,"end_word":8174,"sentiment":"neutral","sentiment_score":-0.26373159885406494},{"text":"It's sad.","start_word":8175,"end_word":8176,"sentiment":"negative","sentiment_score":-0.37990108132362366},{"text":"So I know you guys want to go to Italy. You'll kind of notice there's $20,000 from the house sale that's not accounted for. You currently have the liquid funds to be able to do it sitting in the offset, so it is achievable for you guys to do anyway. It's Yeah. it's more of a permission piece, I guess, for me saying, yes.","start_word":8177,"end_word":8240,"sentiment":"neutral","sentiment_score":-0.0005534928641282022},{"text":"You can go to Italy. It's not going to affect you. You can quite comfortably travel travel there. You can go and do the trip you wanna do, Yep. and it's not gonna be an issue.","start_word":8241,"end_word":8276,"sentiment":"positive","sentiment_score":0.4236981868743897},{"text":"Look.","start_word":8277,"end_word":8277,"sentiment":"neutral","sentiment_score":0.27736544609069824},{"text":"Liquidating assets, the the motorcycle, boat, car would definitely fund the trip.","start_word":8278,"end_word":8289,"sentiment":"positive","sentiment_score":0.34473732113838196},{"text":"House Yep. sale gives you a little bit more sitting there. It's it's not not gonna be an issue for you guys to do that travel. Yep. Okay. Now essentially speaking, joint wise, nonfinancial asset as it currently stands, we have 209. Property is excluded from that and on top of it after we obviously sell the investment property. By the time we pay everything down, do all the strategies we wanna do, we'll have sort of $370,000 sitting in cash remaining. Obviously, we're investing 350 of that. And your contribution your superannuation funds after we do all the contributions, we'll be sitting at about 1.5 mil Yep. combined. What we're gonna do is obviously do those pension accounts for both of you, Yep. which means that combined, we have $2,884.60 being paid between the two accounts per fortnight into bank accounts, into your bank accounts, which gives you everything we need from there. Yep. Yep. Cool. And then from there, basically, I've just done a joint drawdown strategy to show you based on your ages, based on the total capital of the balance, in this calculation, which is done off a conservative interest. Yep. What the drawdowns would be, fees associated with the account across the years, how it operates, how it runs, and basically when we run out of money and or not, which is and or not because we And don't. it's not always it's not that long. '98 is very old. Sorry. '98 is Yeah. very old. Not '98. Yeah. Ninety eight's doing good.","start_word":8290,"end_word":8547,"sentiment":"neutral","sentiment_score":0.04255046545304069},{"text":"Doing real good. Very good.","start_word":8548,"end_word":8552,"sentiment":"positive","sentiment_score":0.4201660752296448},{"text":"Yes. Yeah. How many 98 year olds are? Actually, I Now know a in crew now. this strategy Yeah. sorry? I know a few, actually. I've just our neighbors and mothers of 104. Yeah. Damn. Well done. Yeah.","start_word":8553,"end_word":8590,"sentiment":"neutral","sentiment_score":0.019087575376033783},{"text":"Wow. That is amazing, actually.","start_word":8591,"end_word":8595,"sentiment":"positive","sentiment_score":0.4585188627243042},{"text":"I my my aunt, by not blood, you know, how you have those family members that Yes. are friends, but my aunt, her grandmother, 92 oh, sorry. 102. Wow. Yeah.","start_word":8596,"end_word":8625,"sentiment":"neutral","sentiment_score":0.08648911863565445},{"text":"Her Amazing. hundredth birthday was amazing. Watching her neck half a bottle of wine was impressive, actually. That's even Just better.","start_word":8626,"end_word":8646,"sentiment":"positive","sentiment_score":0.6099508489881244},{"text":"goes to show. But you gotta yeah. You gotta drink your fruit. Yeah. Yeah. So what happens if just say Paul goes and gets another job next week? Oh. Yes. So if Paul does do that, look, it doesn't change anything drastically. It'll be a matter of Paul giving me a call and saying, hey. I have decided to go back to work. Yep. In this document, in the in the all of the outcome wordings and stuff like that, I did address it a little bit. If Paul decides to go to work, I can't account for that until I know that a, Paul is gonna go to work. When does Paul go to work? How much does Paul end up earning? Is he working, or did he go and volunteer for VINI's? Please volunteer for VINI's. No. I'm kidding. Don't. I'm Do not whatever online you want. to That's continue okay. to the golf course at the moment, so I'm already here. Yeah. Do that. I'm on to the So golf It course. it's it's not an issue if you if you do end up doing it. You do need to give me a call, though, like, as soon as you know that you're gonna start work. Yeah. Well, Yeah. the biggest thing is is you're gonna need to call me because you don't have Superfund. You have a pension account, and a pension account can't can't take money in. It No. can only pay money out. So I need Correct. you to call me to say, hello. I started a job, Yes. and I need someone to put the money. So we can do that. That's fine. Yeah. Yeah. It's It's just just when yeah. you get to it, we'll do it. Yeah. And all we'll do is we'll just do little cute refreshes Yeah. Yeah. That's fine. and That's stuff fine. like that. It's just something Your that's been income going through my head. Yeah. Like, trying to find things that's to not do me. while not working very hard. It's an early it's early stages. So going to play golf, going to volunteer, going to paint houses, you know, it will run out. So I've gotta go for it. Yeah. Sounds It's like you should take your wife to Italy.","start_word":8647,"end_word":9031,"sentiment":"neutral","sentiment_score":-0.012345210564407436},{"text":"just well, she's still work. My son is laughing. It's so soft and special. She's still working.","start_word":9032,"end_word":9048,"sentiment":"positive","sentiment_score":0.5013571977615356},{"text":"We have charity to run, so we really can't just disappear for four weeks. I can't walk service less, I can't use. Oh, yeah. Well, you're going to your sister's birthday. Up. Well, that that's next year and not for September. So so going through a landing to holidays. We never take holidays together, Narissa. That's why it's so funny. We've always Yeah. done it separately No. because Paul's always worked, and he's never taken time off. He became a workaholic. So I've done all my holidays by myself, so that's why it's so funny. Sorry. Yeah. You you're No. I unaware. know. I know. That actually leads me to another question, and that is we were very lucky to go together to a caravan show where Paul was looking at RVs and got very excited about one and was bored alone whether he got it or not. Well, not the expenses. But just a scenario, just say he sells the car, like, next week, he sells the car, the boat, the bike, and that money is enough to go and buy an RV. Is that something he can do? Yeah. Yeah. Absolutely. If Okay. you if you wanna if you wanna end up putting like, selling because what? The car you're gonna sell is the $15, the second Yeah. car, Yeah. not the main car. Not my So that's income. like a $10 car. The boat's about $8, and then the Yes. motorcycle's another 10. So what's that? $28. Probably not gonna be enough for you to actually buy a Yeah. motor No. home unless No. No. we're buying a really That's small what one. I'm doing. Yeah. But theoretically speaking, you could, if you're comfortable to do so with the fact that you're gonna have a little bit extra income, which realistically knowing what your budget looks like, you should be comfortable, you could take out of your offset. You just need to know and acknowledge the fact that you're gonna start incurring intro like, more interest on your home loan over the next nine months if you do that, but you could definitely expediate it. Correct. Correct. And No. the only reason I say that you could do it now is because I do know that, a, depending on the type of motor home or caravan or whatever that you're going for, prices of for those are increasing and have Yep. been quite aggressively. So sooner rather than later could be a good idea in that in that realm. Me being able to calculate the difference between I could tell you how much like, how much your mortgage is gonna increase and what interest you're gonna incur over the next nine months I know. if Exactly you do that, what? but I don't know how much the motor home's gonna increase over the next nine months.","start_word":9049,"end_word":9527,"sentiment":"neutral","sentiment_score":0.0012980348475292978},{"text":"That is noncalculable.","start_word":9528,"end_word":9530,"sentiment":"negative","sentiment_score":-0.37480005621910095},{"text":"Yes. Right. And that's why I wasn't doing it. Second comment. That needs to know where we stand anyway, so thank you for that. No. It's okay. Cool. But, like, realistically, if you if you buy the caravan in between anywhere between now and when you sell the home, it's hunky dory. The the biggest Yep. part is is just probably starting to talk to the real estate towards the end of this year about the fact that, yes, we wanna sell the home, Yep. that we don't wanna put it on the market until, like, say, the end of June. You could put it on the market at the end of June next year. That's not an issue because there's no way you're going to sell it and settle No. in two You're weeks. correct. No. And Exactly if and if right. someone comes to you and says, yeah.","start_word":9531,"end_word":9680,"sentiment":"neutral","sentiment_score":-0.11753184348344804},{"text":"We're gonna buy it, settle it cash in in a week, you go, cool.","start_word":9681,"end_word":9694,"sentiment":"positive","sentiment_score":0.39301952719688416},{"text":"Settlement's on the July 2. Okay.","start_word":9695,"end_word":9700,"sentiment":"neutral","sentiment_score":0.2303998172283173},{"text":"Cool. And you you just push it to that.","start_word":9701,"end_word":9709,"sentiment":"positive","sentiment_score":0.3979744017124176},{"text":"Yep. So yeah. So you you could 100% put it on the market early. But I had a look at Glenfield Glendale? Glen Glenfield. Yeah. Glenn. And and I don't think you're gonna have too much of an issue selling. No. It doesn't follow-up. Oh, yeah. Put on it. It's been two weeks. Yeah. Yes. Yes. So I don't think you're gonna have any issues selling.","start_word":9710,"end_word":9775,"sentiment":"neutral","sentiment_score":-0.000827573414426297},{"text":"So you're pretty fine on that front.","start_word":9776,"end_word":9782,"sentiment":"positive","sentiment_score":0.4495905041694641},{"text":"It's just it's a matter of, I guess, personal preference as to when you wanna trigger that.","start_word":9783,"end_word":9799,"sentiment":"neutral","sentiment_score":0.09424564987421036},{"text":"The earlier you sell it, the happier it is.","start_word":9800,"end_word":9808,"sentiment":"positive","sentiment_score":0.3683134913444519},{"text":"That area is not expected to go through a boom at the moment, so and I'll keep an eye on it over the next nine months. And when we talk in June, if it has triggered a boom, then maybe we wait a little bit. But at this point, it's not looking to like, it's pretty stable there. Yes. So we're pretty good to hold.","start_word":9809,"end_word":9873,"sentiment":"neutral","sentiment_score":0.04773014411330223},{"text":"But, yeah, cash flow wise, we're good.","start_word":9874,"end_word":9880,"sentiment":"positive","sentiment_score":0.36892709136009216},{"text":"Money lasts long time. That drawdown strategy is only looking at the super funds. So if we want extra money, don't forget that that there's a $350,000 sitting in the investment account. So we can also trickle trickle that through. The future considerations are those cash out recontribution strategies, maybe adding a little bit more to the investment Yes. account depending on what we end up selling those the bikes and stuff Yes. for. I know we're keeping the collectible bike. I know we're keeping the other car. Like, I know that the the big boat, the big car, the big bike, web keeping. But if that changes and you guys wanna sell and liquidate them later, we can do so, and it's just a matter of what do we do with the money at that time. And I already sort of have dot pointed a few strategies as to what we do, where Yep. we either invest it, we can put in away, anything like that. I think the biggest consideration for the future advice where we do the recontribution strategies, and it'll be stepped out a little bit slowly and we'll just concentrate on that as an area, is it's for our state planning side of things. Yes.","start_word":9881,"end_word":10090,"sentiment":"neutral","sentiment_score":0.10542788321063631},{"text":"Now the good thing is is that we're we're very much liquidating things a lot. Realistically speaking, I've kept to your budget that you've set, and I am so happy once we get to end of end of this financial year.","start_word":10091,"end_word":10131,"sentiment":"positive","sentiment_score":0.5416836142539978},{"text":"If Yes. you guys do sit down and go, you know, what we wanna be a little bit more what's the opposite word to frugal? Frivolous. Frivolous. Frivolous. Thank you. We do wanna No. I've be got a little to work bit here. more frivolous, Yeah. then we can be so. Then we we can increase the amount that we draw down on our super funds. We can say stuff it to the kids. We're not leaving any money behind. You have the house Are we and spend You're our money. fired. My son just said you're fired. Not really. Not really. So sorry. You will, Mary. The biggest thing is is there's plenty there's plenty of an of an estate to leave behind for the kids.","start_word":10132,"end_word":10258,"sentiment":"neutral","sentiment_score":-0.002417174633592367},{"text":"It's Thank it's you.","start_word":10259,"end_word":10262,"sentiment":"positive","sentiment_score":0.3614658117294311},{"text":"it's really not an issue between the fact that we've the PPR, like, the the primary residence house Yes. that can get liquidated and split or they can, you know, turn into an investment property and split the the dividends, other income. It's a fully paid off property, whether, you know, us doing those recontribution strategies now or so niche rather than later means that we're putting the money into a tax reposition. So it gives them more money for anything that is left over. All of those considerations are for them. But realistically Okay. speaking, if you guys wanna increase from 75,000 to $80.85, even 90, we're still really comfortable. Yeah. Okay.","start_word":10263,"end_word":10375,"sentiment":"neutral","sentiment_score":0.19931335747241977},{"text":"Cool. Thank you, Louisa.","start_word":10376,"end_word":10379,"sentiment":"positive","sentiment_score":0.4244486689567566},{"text":"If you guys turn around and go, no. We're actually gonna hit some really big, like, Europe hit holidays, and we're gonna you know, our budget for our holiday is not, like a 10 holiday a year. It's now a $30 holiday a year. If we're gonna Yes. go and do a really big one, then we can accommodate that. We can also just do it as an ad hoc. So if you just turn around and say, hey. This year, we're going to blah. We wanna pull the money. I could just pull it right across the two accounts. Yep. Okay.","start_word":10380,"end_word":10481,"sentiment":"neutral","sentiment_score":0.05309568053367091},{"text":"Alright. Wonderful. Yep. It's all good news. Thank you, Luisa.","start_word":10482,"end_word":10491,"sentiment":"positive","sentiment_score":0.6579494476318359},{"text":"Okay. So all in all, I guess, highlight are and my favorite page is probably page which page is it? Page 81. Yep. It hurts me when we start getting into the high numbers, but it's a how to implement the advice step by step. So it has each of the the time frames, the dates, the bits and pieces. It steps it out so that way it's easy to flow. Yep. And at any point when, you know, me or my team gives you a call to say, hey. I need this form signed because we're doing blah. I Yep. can be like, it's point seven of the stage one or it's Yep. paid. It's point two of stage two. So stage one is obviously from now until end of financial year. Stage two triggers the June, July of stay of 2027. So selling the property, we don't sell until July, but we can obviously put it on the market a little bit early. Yep. Downside the contributions and everything else triggers on the back of the property. Yep. Yes. It's it's just when you guys want to or when you guys start triggering things, I need you guys to just communicate Yes. with me, email me. So let me know. The biggest thing that I'm going to ask is if you can cc info in, so info at financial, just because my emails get hammered daily. Okay. And if I spend a day not looking at my emails, which happens more and more these days, I get back to my emails, have 700 of them, and then I, you know, they get they get they get buried quickly. Not a problem. Whereas if you if you email info as well, I have all all of the admin have access to that, and they pop your name into my calendar, which Yes. means that I'm there. The other thing you can do is just if you ever like, if you ever want to meet with me, just send me through a calendar invite because it pops up into my calendar, and I'll just I'll give you a call. Okay. Alright. Not good. And and that works nicely too. No. That's okay. Kaden Kaden messaged me. He's like, you realize that Helen's emailed you? I was like, no. She hasn't. He's like, yes. She has. I was like, oh, no. Thank No. No, you. No. Helen. You're alright, sweet. You we knew that you were chasing your tail. I think I was just more desperate to know. I've been asked nonstop at work. You're not retiring yet, are you?","start_word":10492,"end_word":10930,"sentiment":"neutral","sentiment_score":-0.007335303933624865},{"text":"Please don't retire. Please don't go. And I'm not I'm over it.","start_word":10931,"end_word":10942,"sentiment":"negative","sentiment_score":-0.42976561188697815},{"text":"Yeah. I I wanna get out right now. We've just got new management, new setup, and whatever, and I hate it with a passion. But I can stomach it for nine months or even less I was than gonna that say, if you on Thursday. so the second the second document so there's 82 85 pages? 85. Eighty four pages? Yep. Eighty five? Eighty five. Too many. Ages in that document. If in the second document, which is the appendix, that's attached, Yep. if you scroll down a little bit more, that has some of, like, the calculations for the alternatives that I considered, which is sort of, like, your position now versus if you drop down to part time, if we sold your PPR instead of your investment property and you then bought another smaller Yep. house. Realistically, housing prices in your area that you live Yeah.","start_word":10943,"end_word":11090,"sentiment":"neutral","sentiment_score":-0.0722834822797292},{"text":"in are unstable. Yeah. Like, it it it burned.","start_word":11091,"end_word":11099,"sentiment":"negative","sentiment_score":-0.4540083706378937},{"text":"And for you guys to downsize was a No.","start_word":11100,"end_word":11108,"sentiment":"neutral","sentiment_score":-0.2662995457649231},{"text":"little bit hard for me to look at.","start_word":11109,"end_word":11116,"sentiment":"negative","sentiment_score":-0.4023633599281311},{"text":"I looked at a bunch of different properties. I looked at estimates. I talked to one of my property guys trying to figure out where we could go, what we could do. And at this point, I literally turned around to Caden and was talking and my power planner was talking about your your file and going, at this point, I think Helen, Paul, and I should just go house hunting together. I'm like, it looks like it's gonna work out better than me sitting on the Internet trying to figure it out. So yeah.","start_word":11117,"end_word":11211,"sentiment":"neutral","sentiment_score":-0.024483999237418175},{"text":"It's So all good.","start_word":11212,"end_word":11215,"sentiment":"positive","sentiment_score":0.3987587094306946},{"text":"look. I'm not If gonna you go guys past do ever time, wanna and we're not gonna downsize at the present time. So it it is what it is. Well, It's I'm more a when than you happy guys are to wait wanting within a month. to do it. So yeah. Yeah. That's The that's the biggest the biggest comfort fine. the biggest comfort point for your PPR is that it's it's capital gains free. We're not gonna pay any capital gains tax. It's just the sales and then the repurchase of another property that's the painful part because, obviously, Yes. new property stamped due and stuff like that. The sale obviously has a lot less cost associated with it. You've Yes. got your real estate fee and conveyancer. But on the, obviously, purchase side, you've got all the transfer taxes and the searches and the conveyancer costs and and and and and and. But you'll be doing a cash sale, so it's not too too bad. It's just depending on what you can sell for and buy for. Yeah. I know that your PPR is in around that same sort of 1.45, 1.5 mark. I think I actually had a look at it. I think it's sort of sitting somewhere around the 1.63 at the Yeah. moment, to be honest, but when we Okay. spoke, you had quoted to me about 1.45, 1.5. So your PPR is increasing value a bit, but, again, the valuation I get versus what you actually get for it on market, Yeah. totally different. Exactly. Yes. Can only go so far. So that appendix, I think is about 22 pages worth. It's just the alterations of the alternatives that I considered when I Yep. was going through the plan, and it's also like, the links to each of the investments that I've recommended on and each of the accounts and then some general tidbits and information. Now I am 1000% not expecting you guys to sign this straight off the bat because there is a lot in it. You know, Yep. just a casual 107 pages combined. There's a lot of there's there's a lot of bits and pieces to it. There's a lot of moving parts. Now if you do decide to go ahead with all of it or with some of it, you'll notice in the sign in on the sign page of the SOA, there is a authority to proceed. There's a Yep. text box there that enables you to type in words. So you can type in, we don't wanna go ahead with this. We Yep. wanna Okay. hold off on this, whatever Yeah. the case may be. Obviously, it did the trigger points. I'm gonna talk to you anyway because this document carries us over more than twelve months. Yep. I'm gonna talk to you anyway throughout each point to be like, hey. You know, you guys are like, I'm selling the house. We're like, cool. So the sale of the house triggers this, this, this, and this. We're still Yeah. comfortable to go ahead with each of these. Yeah. And Cool. because there's gonna be application documents for everything we need to go through, we're gonna be able to do that. Alright. Now Cool. if you're happy to trigger stage one, Yep. and it's it's it's upon your it's upon your time frame, really. If you're happy to trigger stage one, realistically, the the thing that I need is bank details from you both, Yep.","start_word":11216,"end_word":11802,"sentiment":"neutral","sentiment_score":0.05862977436792861},{"text":"which I'm happy for you to email me after you've had a chance to sit down, talk, and Glenn and I have been talking here for an hour and a quarter.","start_word":11803,"end_word":11833,"sentiment":"positive","sentiment_score":0.5265471339225769},{"text":"Yep. Sit down, talk, and then you can email me with the bank details, and I can pre fill out those forms for the pension accounts so we can get the full allocated pension to Paul and then that partial transition to retirement strategy set up for Helen. And I can Okay. do up the sales tax letter and so on and so forth. Alright. No problem. Well, I'll have a look at it this afternoon. The first thing I gotta do is sell the company shares. Yeah. Yeah. So the company shares it's just this financial year, really, it it you you have time. It's this Yeah. financial year. If you have any questions when it comes down to it or you, you know, you you wanna sort of talk about it or or, you know, you get a statement from them, because I know you've accumulated them over a long time. Yes. You can let me know. Yep. But sitting down there with the account and having a having a talk to them, I looked at the highest possible tax capital gains that you could pay, which would basically be as if you had not like, it's $30 worth of cap like, $30 worth of capital gains added to your income. It pushes you into $70 worth of income. It's not it's not a lot. Like, I'm it's really not a lot. And No. the disposing of them now rather than holding them is just it just liquidate things and get you in a better position. Yep. It gives you $30 worth of a a cash buffer. That's $30 closer to buying a caravan. Yep. Yep. Exactly. Yep.","start_word":11834,"end_word":12113,"sentiment":"neutral","sentiment_score":0.07165541499853134},{"text":"Okay. Wonderful. Alright. We'll have a look at it all this afternoon.","start_word":12114,"end_word":12125,"sentiment":"positive","sentiment_score":0.43265220522880554},{"text":"I was gonna read it over the weekend while I'm cooking brisket. No.","start_word":12126,"end_word":12138,"sentiment":"neutral","sentiment_score":0.16323736310005188},{"text":"You've got grandchildren.","start_word":12139,"end_word":12141,"sentiment":"negative","sentiment_score":-0.3338165283203125},{"text":"You won't have a chance to to read it. Mhmm. We'll have a look at it this afternoon while it's quiet and get back to you ASAP so I think we can start moving. Yeah.","start_word":12142,"end_word":12176,"sentiment":"neutral","sentiment_score":0.09064460865088872},{"text":"That's fine.","start_word":12177,"end_word":12178,"sentiment":"positive","sentiment_score":0.39360103011131287},{"text":"If you have any questions or you you wanna know anything, just send through an email, and I'll I'll we can organize another call or I can respond in in text either either way, depending on how Okay. complex it is, and go from there. Okay? Okay.","start_word":12179,"end_word":12225,"sentiment":"neutral","sentiment_score":0.1210692822933197},{"text":"Thank you. Alright. Awesome, Luis. So thank you ever so much for your time.","start_word":12226,"end_word":12239,"sentiment":"positive","sentiment_score":0.6526728272438049},{"text":"And, hopefully, this That's is okay. one less thing on your agenda, and you get to sleep tonight. No.","start_word":12240,"end_word":12258,"sentiment":"neutral","sentiment_score":0.2173898220062256},{"text":"Who who needs sleep? Sleep for the dead.","start_word":12259,"end_word":12266,"sentiment":"negative","sentiment_score":-0.3694244921207428},{"text":"We're okay.","start_word":12267,"end_word":12268,"sentiment":"neutral","sentiment_score":0.16076445579528809},{"text":"You love it, really.","start_word":12269,"end_word":12272,"sentiment":"positive","sentiment_score":0.6542611122131348},{"text":"It's a challenge. I've no. I really do. And I hope your son has unfired me, by the way. No. He's alright. I think he's just rubbing his hands going, woohoo. I've got rich parents.","start_word":12273,"end_word":12307,"sentiment":"neutral","sentiment_score":-0.013756753876805304},{"text":"Yay.","start_word":12308,"end_word":12308,"sentiment":"positive","sentiment_score":0.5515112280845642},{"text":"He's just bought his third investment I property. think so Right? too. Yeah. He's doing alright. So no. Alright.","start_word":12309,"end_word":12327,"sentiment":"neutral","sentiment_score":0.13558967411518097},{"text":"Well, thank you ever so much for your time. That's okay, my darlings. You guys have a lovely rest of the day, and shout We out if will.","start_word":12328,"end_word":12355,"sentiment":"positive","sentiment_score":0.6127143502235413},{"text":"you need anything.","start_word":12356,"end_word":12358,"sentiment":"neutral","sentiment_score":0.26896458864212036},{"text":"You're welcome.","start_word":12359,"end_word":12360,"sentiment":"positive","sentiment_score":0.3855504393577576},{"text":"To all the rest Okay. of your meetings too. Oh, yeah. I've got a full agenda today, but that's alright.","start_word":12361,"end_word":12380,"sentiment":"neutral","sentiment_score":0.22623570263385773},{"text":"We love it. Alright. Well, take it easy.","start_word":12381,"end_word":12388,"sentiment":"positive","sentiment_score":0.549808144569397},{"text":"Alright. Take care of Bye, yourself. guys.","start_word":12389,"end_word":12395,"sentiment":"neutral","sentiment_score":0.28770753741264343},{"text":"Thanks, Louisa.","start_word":12396,"end_word":12397,"sentiment":"positive","sentiment_score":0.5030331015586853},{"text":"Bye bye. Bye. Bye.","start_word":12398,"end_word":12401,"sentiment":"neutral","sentiment_score":0.18547885119915009}],"average":{"sentiment":"neutral","sentiment_score":0.07389211145192255}}}}