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So I've got Veronica, who is Ben's adviser here. And then what we're gonna do is we're I've got Ben on the other line. We're just gonna merge the calls, and what we're going to do from there is just have a general conversation about the IDPS only and about possible options we have available to us and just kind of be all in it together. Okay? So fine. All of us have kids, but we all understand. Perfect. Alright. Well, just to remind you, our calls are recorded, and what I'm gonna do is I'm gonna merge this call now. Cool. Alright. Ben and Hailey, you're on the line. Larissa and Veronica here on this side. Hey, guys. Perfect. So what I wanted to, I guess, talk about was the own the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names. Now as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only. Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward. Is that correct? Yes. Okay. I'm I'm more than happy for you to clarify. Yep. So from from a from a general perspective only, with the account as it currently stands, 5050% ownership. If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then, for, like, for example, say, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT. Yeah. Yeah. So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be. The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be, I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids. Is that correct, Sam? Yes. That's correct. Yeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself. But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond. And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons. So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in. So for to to explain that, I guess, is that you could liquidate the money. The money goes into a pool, and then whatever tax needs to be paid from that pool is paid. And then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben, $50 as Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just less for you guys to independently pay those taxes. And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money. And Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money. So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that. I know the kids are still quite young. So in ten years' time, probably not gonna be looking to touch that money, but it's over ten like, ten years plus for those child bonds. That's okay. So do the kids so do the kids need to pay tax on that if it goes to the across to the child one? Do do Yeah. The kids No. So how it happens is do you remember back in the day you'd be old enough. Do you remember back in the day where you had, like, your Commonwealth, DollarMite accounts? Yep. And you had the account, and it was in your name, but mom and dad, mom and dad were basically the trustees of that account? Yep. And mom and dad had to sign off on everything for that money to come out. Uh-huh. Same kind of concept. So with the child builder, is it a very spec specific I am tripping over that word today. It's a very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult basically trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has. And then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen. Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out the ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25. So let's just say at 18, you're happy for the kids to get access to that account. The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder. The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account. They are able to play with that money as much as they want without paying any tax on the draw withdrawings. So it the accounts are what is called tax paid after ten years. And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them. And then by the time they do get to earning age where they have a job and, you know, maybe they not might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so. Nor Capital Gains. Correct? Yes. Nor Capital Gains. Correct. Yep. So what would be or is there a monthly contribution that is needed to be made? You don't have to know. So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made. But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in. Sounds convoluted, but it just kind of just make sure you don't pay the tax. That's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account. So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is. If you didn't put any money in, that's fine. If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah. But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again. That's all it is. It's not the end of the world, especially when the can I ask how old are the kids? I'm actually not familiar. So That's fine. Six and eight. Okay. Yeah. So if you yeah. So, I mean, look. Realistically, what I what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're wanting to do. Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids, or I I set up IDPSs and and investment accounts for my kids back when they were born. And then, you know, in the last few years, I set up a bond. With tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule. 125% rule. Sorry. So that is just, like, some options that we can explore Yep. Absolutely. You know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to chop the account in half. It's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted. Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with. Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment. The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now. But, yeah, converting that IDPS and and pushing it over to the kids from an investment point of view is not gonna work No. Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay. So I guess You're the same. What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess. Unless you have an answer, then I'm more than comfortable for you to put it out there. But what is the intention with this account, and how do you want it to be split and used for? And once you figured that out between the two of you, it'll give a really clear answer because the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that. Or the third option is, yeah, it goes to one person over the other, and there's compensation in some way. The the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents. Yep. Yep. The intent from it, from the 150,000 that was put in there was for the kids to for them, for their future. So, ideally, everything is for the kids. It isn't for us. It isn't for me or for Hailey. There's no benefit for either of us. The benefit is purely for the kids. That's my intention. That's what my parents would like because, obviously, they died and they got nothing left. So the intent is for the this money for the kids, purely just for the kids, not for me or Hailey. So I did see the situation would be solely one person, and it everything can just go straight to the kids. Okay. So, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account. Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order. So that way, I guess, there's assurance for both of you that that's what the money is going to be used for. But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say, let's just say one of the kids goes to or both the kids go to a private education and they decide to pick up the trombone, and that's like a $4 instrument probably. You know? And the 4 grand's not sitting there and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just, I guess, it's dependent on what you guys specifically want. Like, the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Sorry. The bond. The bond's not IDPS, but same thing. Or whether, as I said, we it gets split in half. Half goes to Hailey, half goes to Ben. Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence. And it's realistically, it can be an unfair split sometimes. It can be that more assets throw to one over the other. It's just a decision that has to be made in terms of what you guys are both comfortable with moving forward. Yeah. No worries. Well, I I do appreciate your advice. I'm happy to take the rest of it offline with Vanessa and then, obviously, with my lawyer. Yep. No. That absolutely okay. Did you both have any questions at all with regards to the account or where you wanna like, any any questions? No. No. No more. Yep. That's all fine. Look. We're not gonna continue this, so I'm happy to end the conversation now and take this up with our own advisers. Absolutely. Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Cool. Ben, were you happy with that? Yeah. That's fine. Perfect. I will get that change happening tonight. Thank you so much for both of your time. I really appreciate it, and I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay? Okay. Bye. Thanks, guys. Have a good day. You too. 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Hailey. It's Larissa from OQ. How are you going? No. No.\n\nThat's okay. I actually figured out we could just do a three way phone call, and it was it works out nicely. So I've got Veronica, who is Ben's adviser here. And then what we're gonna do is we're I've got Ben on the other line. We're just gonna merge the calls, and what we're going to do from there is just have a general conversation about the IDPS only and about possible options we have available to us and just kind of be all in it together.\n\nOkay? So fine. All of us have kids, but we all understand. Perfect. Alright.\n\nWell, just to remind you, our calls are recorded, and what I'm gonna do is I'm gonna merge this call now. Cool. Alright. Ben and Hailey, you're on the line. Larissa and Veronica here on this side.\n\nHey, guys. Perfect. So what I wanted to, I guess, talk about was the own the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names. Now as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only.\n\nNow currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward. Is that correct? Yes. Okay. I'm I'm more than happy for you to clarify.\n\nYep. So from from a from a general perspective only, with the account as it currently stands, 5050% ownership. If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then, for, like, for example, say, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT. Yeah. Yeah.\n\nSo, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be. The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be, I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids.\n\nIs that correct, Sam? Yes. That's correct. Yeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser.\n\nHe's actually on paternity leave right now. We just had a little girl himself. But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond. And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons.\n\nSo with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in. So for to to explain that, I guess, is that you could liquidate the money. The money goes into a pool, and then whatever tax needs to be paid from that pool is paid.\n\nAnd then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben, $50 as Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just less for you guys to independently pay those taxes. And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money. And Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money. So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.\n\nI know the kids are still quite young. So in ten years' time, probably not gonna be looking to touch that money, but it's over ten like, ten years plus for those child bonds. That's okay. So do the kids so do the kids need to pay tax on that if it goes to the across to the child one? Do do Yeah.\n\nThe kids No. So how it happens is do you remember back in the day you'd be old enough. Do you remember back in the day where you had, like, your Commonwealth, DollarMite accounts? Yep. And you had the account, and it was in your name, but mom and dad, mom and dad were basically the trustees of that account?\n\nYep. And mom and dad had to sign off on everything for that money to come out. Uh-huh. Same kind of concept. So with the child builder, is it a very spec specific I am tripping over that word today.\n\nIt's a very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult basically trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has. And then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen.\n\nBecause with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out the ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25. So let's just say at 18, you're happy for the kids to get access to that account. The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.\n\nThe child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account. They are able to play with that money as much as they want without paying any tax on the draw withdrawings. So it the accounts are what is called tax paid after ten years. And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them. And then by the time they do get to earning age where they have a job and, you know, maybe they not might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so.\n\nNor Capital Gains. Correct? Yes. Nor Capital Gains. Correct.\n\nYep. So what would be or is there a monthly contribution that is needed to be made? You don't have to know. So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made.\n\nBut with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in. Sounds convoluted, but it just kind of just make sure you don't pay the tax. That's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account.\n\nSo year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is. If you didn't put any money in, that's fine. If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah.\n\nBut the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again. That's all it is. It's not the end of the world, especially when the can I ask how old are the kids? I'm actually not familiar. So That's fine.\n\nSix and eight. Okay. Yeah. So if you yeah. So, I mean, look.\n\nRealistically, what I what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're wanting to do. Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids, or I I set up IDPSs and and investment accounts for my kids back when they were born. And then, you know, in the last few years, I set up a bond.\n\nWith tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule. 125% rule. Sorry.\n\nSo that is just, like, some options that we can explore Yep. Absolutely. You know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to chop the account in half.\n\nIt's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted. Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with. Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment. The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now.\n\nBut, yeah, converting that IDPS and and pushing it over to the kids from an investment point of view is not gonna work No. Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay. So I guess You're the same. What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess.\n\nUnless you have an answer, then I'm more than comfortable for you to put it out there. But what is the intention with this account, and how do you want it to be split and used for? And once you figured that out between the two of you, it'll give a really clear answer because the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it.\n\nJust depends on how you guys wanna do that. Or the third option is, yeah, it goes to one person over the other, and there's compensation in some way. The the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents. Yep.\n\nYep. The intent from it, from the 150,000 that was put in there was for the kids to for them, for their future. So, ideally, everything is for the kids. It isn't for us. It isn't for me or for Hailey.\n\nThere's no benefit for either of us. The benefit is purely for the kids. That's my intention. That's what my parents would like because, obviously, they died and they got nothing left. So the intent is for the this money for the kids, purely just for the kids, not for me or Hailey.\n\nSo I did see the situation would be solely one person, and it everything can just go straight to the kids. Okay. So, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account.\n\nNow theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order. So that way, I guess, there's assurance for both of you that that's what the money is going to be used for. But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say, let's just say one of the kids goes to or both the kids go to a private education and they decide to pick up the trombone, and that's like a $4 instrument probably. You know?\n\nAnd the 4 grand's not sitting there and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just, I guess, it's dependent on what you guys specifically want. Like, the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner.\n\nSorry. The bond. The bond's not IDPS, but same thing. Or whether, as I said, we it gets split in half. Half goes to Hailey, half goes to Ben.\n\nAgain, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence. And it's realistically, it can be an unfair split sometimes. It can be that more assets throw to one over the other. It's just a decision that has to be made in terms of what you guys are both comfortable with moving forward. Yeah.\n\nNo worries. Well, I I do appreciate your advice. I'm happy to take the rest of it offline with Vanessa and then, obviously, with my lawyer. Yep. No.\n\nThat absolutely okay. Did you both have any questions at all with regards to the account or where you wanna like, any any questions? No. No. No more.\n\nYep. That's all fine. Look. We're not gonna continue this, so I'm happy to end the conversation now and take this up with our own advisers. Absolutely.\n\nCan I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Cool. Ben, were you happy with that? Yeah.\n\nThat's fine. Perfect. I will get that change happening tonight. Thank you so much for both of your time. I really appreciate it, and I will leave everything for the your two advisers to discuss with you guys independently.\n\nAnd if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay? Okay. Bye. Thanks, guys.\n\nHave a good day. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Hailey.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.20565608143806458},{"text":"It's Larissa from OQ.","start":3.6799998,"end":4.88,"sentiment":"neutral","sentiment_score":0.20815414190292358},{"text":"How are you going?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.3040686845779419},{"text":"No.","start":10.16,"end":10.48,"sentiment":"neutral","sentiment_score":-0.08478711545467377},{"text":"No.","start":10.48,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.05402793362736702}],"sentiment":"neutral","sentiment_score":0.19344903497646251,"num_words":12,"start":2.96,"end":10.639999},{"sentences":[{"text":"That's okay.","start":10.639999,"end":11.28,"sentiment":"neutral","sentiment_score":0.16776584833860397},{"text":"I actually figured out we could just do a three way phone call, and it was it works out nicely.","start":11.28,"end":15.219999,"sentiment":"positive","sentiment_score":0.41988332122564315},{"text":"So I've got Veronica, who is Ben's adviser here.","start":17.935,"end":22.994999,"sentiment":"neutral","sentiment_score":0.1502848838766416},{"text":"And then what we're gonna do is we're I've got Ben on the other line.","start":23.695,"end":26.895,"sentiment":"neutral","sentiment_score":0.09535062909126282},{"text":"We're just gonna merge the calls, and what we're going to do from there is just have a general conversation about the IDPS only and about possible options we have available to us and just kind of be all in it together.","start":26.895,"end":40.77,"sentiment":"neutral","sentiment_score":0.07817247101948374}],"sentiment":"neutral","sentiment_score":0.1681734692643989,"num_words":88,"start":10.639999,"end":40.77},{"sentences":[{"text":"Okay?","start":40.83,"end":41.33,"sentiment":"neutral","sentiment_score":0.11140821874141692},{"text":"So fine.","start":46.645,"end":47.465,"sentiment":"neutral","sentiment_score":0.014409827068448067},{"text":"All of us have kids, but we all understand.","start":48.645,"end":50.745003,"sentiment":"neutral","sentiment_score":-0.01104471915298038},{"text":"Perfect.","start":53.940002,"end":54.34,"sentiment":"neutral","sentiment_score":0.3315362334251404},{"text":"Alright.","start":54.34,"end":54.74,"sentiment":"neutral","sentiment_score":0.12005981057882308}],"sentiment":"neutral","sentiment_score":0.03517296032181808,"num_words":14,"start":40.83,"end":54.74},{"sentences":[{"text":"Well, just to remind you, our calls are recorded, and what I'm gonna do is I'm gonna merge this call now.","start":54.74,"end":58.760002,"sentiment":"neutral","sentiment_score":0.035482010671070645},{"text":"Cool.","start":60.5,"end":61.0,"sentiment":"neutral","sentiment_score":0.2635129690170288},{"text":"Alright.","start":63.38,"end":63.86,"sentiment":"neutral","sentiment_score":0.12939321994781494},{"text":"Ben and Hailey, you're on the line.","start":63.86,"end":65.3,"sentiment":"neutral","sentiment_score":0.10897010884114675},{"text":"Larissa and Veronica here on this side.","start":65.3,"end":67.32,"sentiment":"neutral","sentiment_score":0.09733352277960096}],"sentiment":"neutral","sentiment_score":0.0697879414703395,"num_words":37,"start":54.74,"end":67.32},{"sentences":[{"text":"Hey, guys.","start":67.985,"end":68.725006,"sentiment":"neutral","sentiment_score":0.11462737619876862},{"text":"Perfect.","start":69.665,"end":70.165,"sentiment":"neutral","sentiment_score":0.31839698553085327},{"text":"So what I wanted to, I guess, talk about was the own the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names.","start":70.625,"end":82.245,"sentiment":"neutral","sentiment_score":0.044518536258790944},{"text":"Now as it currently stands, we are 5050% owners.","start":82.625,"end":87.52,"sentiment":"neutral","sentiment_score":0.03917133642567529},{"text":"Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only.","start":88.06,"end":98.64,"sentiment":"neutral","sentiment_score":-0.0435045612259553}],"sentiment":"neutral","sentiment_score":0.018883480206131936,"num_words":75,"start":67.985,"end":98.64},{"sentences":[{"text":"Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward.","start":99.845,"end":113.365,"sentiment":"neutral","sentiment_score":-0.04275330242056113},{"text":"Is that correct?","start":113.365,"end":114.265,"sentiment":"neutral","sentiment_score":0.02269585430622101},{"text":"Yes.","start":116.130005,"end":116.630005,"sentiment":"neutral","sentiment_score":-0.009065570309758186},{"text":"Okay.","start":118.53,"end":119.03,"sentiment":"neutral","sentiment_score":0.13181500136852264},{"text":"I'm I'm more than happy for you to clarify.","start":120.05,"end":121.83,"sentiment":"positive","sentiment_score":0.5658410158422258}],"sentiment":"neutral","sentiment_score":0.06822693098406747,"num_words":53,"start":99.845,"end":121.83},{"sentences":[{"text":"Yep.","start":190.62,"end":191.12,"sentiment":"neutral","sentiment_score":0.06607994437217712},{"text":"So from from a from a general perspective only, with the account as it currently stands, 5050% ownership.","start":214.65,"end":222.75,"sentiment":"neutral","sentiment_score":0.14034134936001566},{"text":"If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then, for, like, for example, say, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT.","start":223.565,"end":249.24501,"sentiment":"neutral","sentiment_score":0.12349427093205781},{"text":"Yeah.","start":253.38501,"end":253.88501,"sentiment":"positive","sentiment_score":0.36114466190338135},{"text":"Yeah.","start":256.425,"end":256.925,"sentiment":"neutral","sentiment_score":-0.057251181453466415}],"sentiment":"neutral","sentiment_score":0.1273263978147054,"num_words":79,"start":190.62,"end":256.925},{"sentences":[{"text":"So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be.","start":258.425,"end":288.19498,"sentiment":"neutral","sentiment_score":0.05800932124728644},{"text":"The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after.","start":288.81497,"end":299.18,"sentiment":"neutral","sentiment_score":0.024415614591403442},{"text":"It just needs to be, I guess, directed to what's actually the intention with the account.","start":299.18,"end":305.1,"sentiment":"neutral","sentiment_score":0.10207619983702898},{"text":"And I under well, correct.","start":305.1,"end":306.675,"sentiment":"neutral","sentiment_score":0.11140263080596924},{"text":"Based on what Hailey just said, the intention is for that money to be for the kids.","start":306.675,"end":310.675,"sentiment":"neutral","sentiment_score":0.18430545356343775}],"sentiment":"neutral","sentiment_score":0.07513169037084357,"num_words":139,"start":258.425,"end":310.675},{"sentences":[{"text":"Is that correct, Sam?","start":310.675,"end":311.815,"sentiment":"neutral","sentiment_score":0.10732514411211012},{"text":"Yes.","start":313.235,"end":313.475,"sentiment":"neutral","sentiment_score":0.1787683367729187},{"text":"That's correct.","start":313.475,"end":314.215,"sentiment":"neutral","sentiment_score":0.20889350771903992},{"text":"Yeah.","start":314.595,"end":315.095,"sentiment":"neutral","sentiment_score":0.1394577920436859},{"text":"So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser.","start":316.51498,"end":321.03,"sentiment":"neutral","sentiment_score":0.05444534079116933}],"sentiment":"neutral","sentiment_score":0.08363538056612015,"num_words":25,"start":310.675,"end":321.03},{"sentences":[{"text":"He's actually on paternity leave right now.","start":321.03,"end":323.11002,"sentiment":"neutral","sentiment_score":0.03526016005447933},{"text":"We just had a little girl himself.","start":323.11002,"end":324.57,"sentiment":"neutral","sentiment_score":0.054491334195647924},{"text":"But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond.","start":326.55002,"end":346.035,"sentiment":"neutral","sentiment_score":0.049138200268441554},{"text":"And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid.","start":346.86002,"end":355.36002,"sentiment":"neutral","sentiment_score":-0.004217364541862323},{"text":"And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless it's for the children for very specific reasons.","start":357.5,"end":375.835,"sentiment":"neutral","sentiment_score":0.02681307280436158}],"sentiment":"neutral","sentiment_score":0.032108064071508124,"num_words":128,"start":321.03,"end":375.835},{"sentences":[{"text":"So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account.","start":378.14,"end":397.215,"sentiment":"neutral","sentiment_score":0.12297513019644989},{"text":"50% goes to each of you.","start":397.435,"end":399.19498,"sentiment":"neutral","sentiment_score":0.16645938406387964},{"text":"Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in.","start":399.19498,"end":409.06,"sentiment":"neutral","sentiment_score":0.010015507431133934},{"text":"So for to to explain that, I guess, is that you could liquidate the money.","start":409.43997,"end":414.24,"sentiment":"neutral","sentiment_score":-0.024198766549428305},{"text":"The money goes into a pool, and then whatever tax needs to be paid from that pool is paid.","start":414.24,"end":420.18,"sentiment":"neutral","sentiment_score":0.03542492617117731}],"sentiment":"neutral","sentiment_score":0.06945592219588058,"num_words":116,"start":378.14,"end":420.18},{"sentences":[{"text":"And then whatever's left over post the pay of tax is split fifty fifty.","start":420.66498,"end":425.965,"sentiment":"neutral","sentiment_score":0.02408359931515796},{"text":"Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben, $50 as Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just less for you guys to independently pay those taxes.","start":426.585,"end":442.43997,"sentiment":"neutral","sentiment_score":0.04735123811691415},{"text":"And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money.","start":443.46,"end":451.045,"sentiment":"neutral","sentiment_score":0.2834534289745184},{"text":"And Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money.","start":451.105,"end":456.145,"sentiment":"positive","sentiment_score":0.41104630576936824},{"text":"So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.","start":456.145,"end":468.40997,"sentiment":"neutral","sentiment_score":0.21637211804804596}],"sentiment":"neutral","sentiment_score":0.1787491662021822,"num_words":156,"start":420.66498,"end":468.40997},{"sentences":[{"text":"I know the kids are still quite young.","start":468.40997,"end":470.59,"sentiment":"neutral","sentiment_score":-0.02938850410282612},{"text":"So in ten years' time, probably not gonna be looking to touch that money, but it's over ten like, ten years plus for those child bonds.","start":470.72998,"end":482.035,"sentiment":"neutral","sentiment_score":-0.021892148070037365},{"text":"That's okay.","start":485.295,"end":486.035,"sentiment":"neutral","sentiment_score":0.3216897249221802},{"text":"So do the kids so do the kids need to pay tax on that if it goes to the across to the child one?","start":495.47,"end":505.585,"sentiment":"neutral","sentiment_score":-0.1016132462148865},{"text":"Do do Yeah.","start":505.965,"end":506.365,"sentiment":"neutral","sentiment_score":-0.014250353289147219}],"sentiment":"neutral","sentiment_score":-0.04194275240990378,"num_words":63,"start":468.40997,"end":506.365},{"sentences":[{"text":"The kids No.","start":506.445,"end":509.325,"sentiment":"neutral","sentiment_score":-0.05844788129130999},{"text":"So how it happens is do you remember back in the day you'd be old enough.","start":509.325,"end":514.305,"sentiment":"neutral","sentiment_score":-0.03922149387653917},{"text":"Do you remember back in the day where you had, like, your Commonwealth, DollarMite accounts?","start":514.525,"end":519.84,"sentiment":"neutral","sentiment_score":-0.010101701753834883},{"text":"Yep.","start":520.30005,"end":520.80005,"sentiment":"neutral","sentiment_score":0.007081960327923298},{"text":"And you had the account, and it was in your name, but mom and dad, mom and dad were basically the trustees of that account?","start":521.10004,"end":528.0,"sentiment":"neutral","sentiment_score":-0.015944435223937035}],"sentiment":"neutral","sentiment_score":-0.022432366541276377,"num_words":60,"start":506.445,"end":528.0},{"sentences":[{"text":"Yep.","start":528.46,"end":528.795,"sentiment":"neutral","sentiment_score":0.006008227821439505},{"text":"And mom and dad had to sign off on everything for that money to come out.","start":529.27496,"end":533.035,"sentiment":"neutral","sentiment_score":-0.04465647111646831},{"text":"Uh-huh.","start":533.035,"end":533.535,"sentiment":"neutral","sentiment_score":-0.04436954855918884},{"text":"Same kind of concept.","start":533.675,"end":534.875,"sentiment":"neutral","sentiment_score":-0.10505785048007965},{"text":"So with the child builder, is it a very spec specific I am tripping over that word today.","start":534.875,"end":544.64,"sentiment":"neutral","sentiment_score":-0.1723926050795449}],"sentiment":"neutral","sentiment_score":-0.10690407879883423,"num_words":40,"start":528.46,"end":544.64},{"sentences":[{"text":"It's a very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult basically trustee for that account.","start":544.64,"end":556.815,"sentiment":"neutral","sentiment_score":0.042318934214211276},{"text":"So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice.","start":557.195,"end":569.70996,"sentiment":"neutral","sentiment_score":0.014148712256237081},{"text":"It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has.","start":570.00995,"end":581.385,"sentiment":"neutral","sentiment_score":0.16410526684062046},{"text":"And then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has.","start":581.385,"end":587.885,"sentiment":"neutral","sentiment_score":0.17354248588283858},{"text":"In that way, they're separate and whatever needs to happen with those accounts happen.","start":588.665,"end":592.525,"sentiment":"neutral","sentiment_score":0.10574184358119965}],"sentiment":"neutral","sentiment_score":0.0974541406535747,"num_words":151,"start":544.64,"end":592.525},{"sentences":[{"text":"Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money.","start":592.745,"end":601.31995,"sentiment":"neutral","sentiment_score":0.10231702677581621},{"text":"However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income.","start":602.33997,"end":613.195,"sentiment":"neutral","sentiment_score":-0.21277863992487683},{"text":"But if you see out the ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start":614.295,"end":628.55,"sentiment":"neutral","sentiment_score":0.08987645221793134},{"text":"So let's just say at 18, you're happy for the kids to get access to that account.","start":628.85,"end":632.73505,"sentiment":"positive","sentiment_score":0.5602582938530866},{"text":"The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.","start":632.73505,"end":642.99506,"sentiment":"neutral","sentiment_score":0.3250206595659256}],"sentiment":"neutral","sentiment_score":0.11657270444878216,"num_words":145,"start":592.745,"end":642.99506},{"sentences":[{"text":"The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account.","start":643.35,"end":650.41,"sentiment":"positive","sentiment_score":0.5285633988678455},{"text":"They are able to play with that money as much as they want without paying any tax on the draw withdrawings.","start":650.79,"end":658.08997,"sentiment":"positive","sentiment_score":0.463105083221481},{"text":"So it the accounts are what is called tax paid after ten years.","start":659.22504,"end":666.28503,"sentiment":"neutral","sentiment_score":0.07347265000526722},{"text":"And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them.","start":666.66504,"end":680.0,"sentiment":"neutral","sentiment_score":0.11558671181018536},{"text":"And then by the time they do get to earning age where they have a job and, you know, maybe they not might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so.","start":680.06,"end":705.66,"sentiment":"positive","sentiment_score":0.4204598826377891}],"sentiment":"positive","sentiment_score":0.34990876742073745,"num_words":183,"start":643.35,"end":705.66},{"sentences":[{"text":"Nor Capital Gains.","start":707.01996,"end":707.89996,"sentiment":"neutral","sentiment_score":-0.050023763750990234},{"text":"Correct?","start":707.89996,"end":708.3,"sentiment":"neutral","sentiment_score":-0.004845332354307175},{"text":"Yes.","start":708.3,"end":708.45996,"sentiment":"neutral","sentiment_score":0.07292936742305756},{"text":"Nor Capital Gains.","start":708.45996,"end":709.25995,"sentiment":"neutral","sentiment_score":0.00629686564207077},{"text":"Correct.","start":709.25995,"end":709.74,"sentiment":"neutral","sentiment_score":0.07424785196781158}],"sentiment":"neutral","sentiment_score":0.0012390214122003978,"num_words":9,"start":707.01996,"end":709.74},{"sentences":[{"text":"Yep.","start":709.74,"end":710.24,"sentiment":"neutral","sentiment_score":0.10873635858297348},{"text":"So what would be or is there a monthly contribution that is needed to be made?","start":711.42,"end":716.48,"sentiment":"neutral","sentiment_score":0.047282177954912186},{"text":"You don't have to know.","start":717.18,"end":718.45996,"sentiment":"neutral","sentiment_score":0.036316899210214616},{"text":"So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond.","start":718.45996,"end":741.26,"sentiment":"neutral","sentiment_score":0.13996741489360207},{"text":"There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made.","start":741.4,"end":747.66003,"sentiment":"neutral","sentiment_score":0.11600826065177502}],"sentiment":"neutral","sentiment_score":0.11463890535136063,"num_words":102,"start":709.74,"end":747.66003},{"sentences":[{"text":"But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50.","start":748.305,"end":755.665,"sentiment":"neutral","sentiment_score":0.10421977530826222},{"text":"So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.","start":755.665,"end":761.34503,"sentiment":"neutral","sentiment_score":0.14038484463734285},{"text":"Sounds convoluted, but it just kind of just make sure you don't pay the tax.","start":761.34503,"end":765.8,"sentiment":"negative","sentiment_score":-0.3641820033391317},{"text":"That's what we we're trying to avoid.","start":765.8,"end":767.25995,"sentiment":"neutral","sentiment_score":-0.23762797670704977},{"text":"And then you're allowed to put up to a 125% of the previous year's contributions into the account.","start":768.27997,"end":775.01996,"sentiment":"neutral","sentiment_score":0.19858102252086005}],"sentiment":"neutral","sentiment_score":0.029688258055183624,"num_words":90,"start":748.305,"end":775.01996},{"sentences":[{"text":"So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month.","start":775.32,"end":783.035,"sentiment":"neutral","sentiment_score":0.23075412557675287},{"text":"Year three, that becomes whatever that number is.","start":783.095,"end":786.15497,"sentiment":"neutral","sentiment_score":0.2886442504823208},{"text":"If you didn't put any money in, that's fine.","start":789.175,"end":791.51495,"sentiment":"neutral","sentiment_score":0.25024014876948464},{"text":"If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop.","start":791.65497,"end":800.35004,"sentiment":"neutral","sentiment_score":0.1467840625255397},{"text":"Yeah.","start":800.35004,"end":800.75,"sentiment":"neutral","sentiment_score":-0.03895721584558487}],"sentiment":"neutral","sentiment_score":0.19955635656203544,"num_words":77,"start":775.32,"end":800.75},{"sentences":[{"text":"But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again.","start":800.75,"end":811.735,"sentiment":"negative","sentiment_score":-0.3541342009758127},{"text":"That's all it is.","start":811.795,"end":812.915,"sentiment":"neutral","sentiment_score":-0.24400544911623},{"text":"It's not the end of the world, especially when the can I ask how old are the kids?","start":812.915,"end":817.33496,"sentiment":"neutral","sentiment_score":-0.3187753152516153},{"text":"I'm actually not familiar.","start":817.555,"end":819.075,"sentiment":"neutral","sentiment_score":-0.11640510521829128},{"text":"So That's fine.","start":819.075,"end":820.535,"sentiment":"neutral","sentiment_score":0.10133960594733556}],"sentiment":"neutral","sentiment_score":-0.2956115672814435,"num_words":58,"start":800.75,"end":820.535},{"sentences":[{"text":"Six and eight.","start":820.595,"end":821.15497,"sentiment":"neutral","sentiment_score":0.0424631138642629},{"text":"Okay.","start":821.15497,"end":821.475,"sentiment":"neutral","sentiment_score":0.1075609102845192},{"text":"Yeah.","start":821.475,"end":821.795,"sentiment":"neutral","sentiment_score":0.08008745312690735},{"text":"So if you yeah.","start":821.795,"end":822.675,"sentiment":"neutral","sentiment_score":0.03955130372196436},{"text":"So, I mean, look.","start":822.675,"end":823.875,"sentiment":"neutral","sentiment_score":0.01616022875532508}],"sentiment":"neutral","sentiment_score":0.041375679608721,"num_words":13,"start":820.595,"end":823.875},{"sentences":[{"text":"Realistically, what I what what parent wants their 18 year old to have access to that much money?","start":823.875,"end":828.27,"sentiment":"neutral","sentiment_score":-0.059787563151783414},{"text":"But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it.","start":828.33,"end":842.685,"sentiment":"neutral","sentiment_score":-0.09235294092269171},{"text":"So it's just dependent on what you're wanting to do.","start":843.225,"end":845.065,"sentiment":"neutral","sentiment_score":-0.09161877930164337},{"text":"Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids, or I I set up IDPSs and and investment accounts for my kids back when they were born.","start":845.065,"end":855.59,"sentiment":"neutral","sentiment_score":0.07311653164592949},{"text":"And then, you know, in the last few years, I set up a bond.","start":856.45,"end":859.19,"sentiment":"neutral","sentiment_score":0.02239982145173209}],"sentiment":"neutral","sentiment_score":-0.02357254774609873,"num_words":121,"start":823.875,"end":859.19},{"sentences":[{"text":"With tax time, sometimes, you know, where I I sold assets, I've just set up another bond.","start":860.05005,"end":866.23004,"sentiment":"neutral","sentiment_score":-0.0248465375865207},{"text":"So out of my three children, I actually have six bonds.","start":866.735,"end":869.475,"sentiment":"neutral","sentiment_score":-0.004647697237404909},{"text":"And that's just because I didn't wanna exceed that hundred and twenty five year rule.","start":871.695,"end":874.995,"sentiment":"neutral","sentiment_score":-0.16588698277870814},{"text":"125% rule.","start":877.13495,"end":878.65497,"sentiment":"neutral","sentiment_score":-0.053670819848775864},{"text":"Sorry.","start":878.65497,"end":879.15497,"sentiment":"neutral","sentiment_score":-0.06511989235877991}],"sentiment":"neutral","sentiment_score":-0.06813656700694043,"num_words":46,"start":860.05005,"end":879.15497},{"sentences":[{"text":"So that is just, like, some options that we can explore Yep.","start":881.81995,"end":885.18,"sentiment":"neutral","sentiment_score":0.06896177927652995},{"text":"Absolutely.","start":885.18,"end":885.45996,"sentiment":"neutral","sentiment_score":0.23140189051628113},{"text":"You know, once we know.","start":885.74,"end":887.25995,"sentiment":"neutral","sentiment_score":0.060160869359970094},{"text":"It all just depends on what you guys do with the account now under the consent orders.","start":887.25995,"end":891.92,"sentiment":"neutral","sentiment_score":-0.04637150685576832},{"text":"Whether under the consent orders, you guys are making the decision to chop the account in half.","start":892.22,"end":899.305,"sentiment":"neutral","sentiment_score":-0.15234480447628918}],"sentiment":"neutral","sentiment_score":-0.03881595584635551,"num_words":52,"start":881.81995,"end":899.305},{"sentences":[{"text":"It's getting liquidated.","start":899.60504,"end":900.745,"sentiment":"neutral","sentiment_score":-0.166743333141009},{"text":"Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted.","start":901.125,"end":906.745,"sentiment":"neutral","sentiment_score":-0.0886219089681452},{"text":"Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with.","start":907.365,"end":922.63,"sentiment":"neutral","sentiment_score":-0.08488333152814044},{"text":"Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment.","start":923.415,"end":931.035,"sentiment":"negative","sentiment_score":-0.504191388686498},{"text":"The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now.","start":931.975,"end":939.6,"sentiment":"neutral","sentiment_score":-0.29808694660663604}],"sentiment":"neutral","sentiment_score":-0.22780435386706482,"num_words":110,"start":899.60504,"end":939.6},{"sentences":[{"text":"But, yeah, converting that IDPS and and pushing it over to the kids from an investment point of view is not gonna work No.","start":939.6,"end":946.48,"sentiment":"neutral","sentiment_score":-0.2620557301367323},{"text":"Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.","start":946.56,"end":950.66,"sentiment":"negative","sentiment_score":-0.45319602164355194},{"text":"So I guess You're the same.","start":953.855,"end":955.955,"sentiment":"neutral","sentiment_score":-0.0390981404731671},{"text":"What is okay.","start":961.855,"end":962.975,"sentiment":"neutral","sentiment_score":0.13691781957944235},{"text":"So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess.","start":962.975,"end":968.91,"sentiment":"neutral","sentiment_score":-0.07517298564314842}],"sentiment":"neutral","sentiment_score":-0.22453512530773878,"num_words":80,"start":939.6,"end":968.91},{"sentences":[{"text":"Unless you have an answer, then I'm more than comfortable for you to put it out there.","start":968.91,"end":972.13,"sentiment":"neutral","sentiment_score":-0.051154654692201054},{"text":"But what is the intention with this account, and how do you want it to be split and used for?","start":972.26996,"end":978.76996,"sentiment":"neutral","sentiment_score":0.07804877012968063},{"text":"And once you figured that out between the two of you, it'll give a really clear answer because the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide.","start":981.415,"end":1017.07495,"sentiment":"neutral","sentiment_score":0.00960491433808649},{"text":"That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it.","start":1017.295,"end":1026.09,"sentiment":"neutral","sentiment_score":0.06682147085666656},{"text":"And there are a couple of options with liquidating it.","start":1026.39,"end":1028.55,"sentiment":"neutral","sentiment_score":0.07884234078228473}],"sentiment":"neutral","sentiment_score":0.022526399932254505,"num_words":177,"start":968.91,"end":1028.55},{"sentences":[{"text":"Just depends on how you guys wanna do that.","start":1028.55,"end":1030.89,"sentiment":"neutral","sentiment_score":0.09061793486277263},{"text":"Or the third option is, yeah, it goes to one person over the other, and there's compensation in some way.","start":1031.35,"end":1038.5701,"sentiment":"neutral","sentiment_score":0.011264774948358536},{"text":"The the intent with this account is purely because I inherited this from my parents passing away.","start":1040.4249,"end":1046.265,"sentiment":"neutral","sentiment_score":-0.24340133412795908},{"text":"So this the contribution was from my parents.","start":1046.265,"end":1049.565,"sentiment":"neutral","sentiment_score":0.009275115560740232},{"text":"Yep.","start":1050.345,"end":1050.845,"sentiment":"neutral","sentiment_score":0.06259159743785858}],"sentiment":"neutral","sentiment_score":-0.053821331736716355,"num_words":55,"start":1028.55,"end":1050.845},{"sentences":[{"text":"Yep.","start":1051.23,"end":1051.5499,"sentiment":"neutral","sentiment_score":-0.009021081030368803},{"text":"The intent from it, from the 150,000 that was put in there was for the kids to for them, for their future.","start":1051.5499,"end":1058.19,"sentiment":"neutral","sentiment_score":0.33082371001893823},{"text":"So, ideally, everything is for the kids.","start":1058.19,"end":1062.4299,"sentiment":"positive","sentiment_score":0.4320730907576425},{"text":"It isn't for us.","start":1062.4299,"end":1063.47,"sentiment":"neutral","sentiment_score":-0.3146064430475235},{"text":"It isn't for me or for Hailey.","start":1063.47,"end":1065.1699,"sentiment":"negative","sentiment_score":-0.37275402886526926}],"sentiment":"neutral","sentiment_score":0.1567294683034827,"num_words":41,"start":1051.23,"end":1065.1699},{"sentences":[{"text":"There's no benefit for either of us.","start":1066.075,"end":1068.095,"sentiment":"negative","sentiment_score":-0.41638006057058063},{"text":"The benefit is purely for the kids.","start":1068.315,"end":1070.255,"sentiment":"neutral","sentiment_score":0.17049638501235417},{"text":"That's my intention.","start":1070.315,"end":1071.2749,"sentiment":"neutral","sentiment_score":0.1571113889416059},{"text":"That's what my parents would like because, obviously, they died and they got nothing left.","start":1071.2749,"end":1076.875,"sentiment":"neutral","sentiment_score":-0.19981476267178852},{"text":"So the intent is for the this money for the kids, purely just for the kids, not for me or Hailey.","start":1076.875,"end":1082.74,"sentiment":"neutral","sentiment_score":0.18727126575651623}],"sentiment":"neutral","sentiment_score":-0.0059316305900519745,"num_words":53,"start":1066.075,"end":1082.74},{"sentences":[{"text":"So I did see the situation would be solely one person, and it everything can just go straight to the kids.","start":1085.12,"end":1092.34,"sentiment":"neutral","sentiment_score":0.18819334428934825},{"text":"Okay.","start":1093.36,"end":1093.86,"sentiment":"neutral","sentiment_score":0.1444021463394165},{"text":"So, yeah, it's it it now it then comes down to how you guys wanna split that account.","start":1096.545,"end":1101.265,"sentiment":"neutral","sentiment_score":0.10112017144759496},{"text":"So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards.","start":1101.265,"end":1114.73,"sentiment":"neutral","sentiment_score":0.13142362280803568},{"text":"The decision gets made as to what happens for that account.","start":1115.91,"end":1120.87,"sentiment":"neutral","sentiment_score":0.20043337954716248}],"sentiment":"neutral","sentiment_score":0.14811524485840516,"num_words":85,"start":1085.12,"end":1120.87},{"sentences":[{"text":"Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.","start":1120.87,"end":1140.24,"sentiment":"neutral","sentiment_score":0.22130821384489535},{"text":"So that way, I guess, there's assurance for both of you that that's what the money is going to be used for.","start":1140.24,"end":1146.5,"sentiment":"positive","sentiment_score":0.3614024431868033},{"text":"But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future.","start":1147.6799,"end":1164.415,"sentiment":"neutral","sentiment_score":-0.0011994105867213674},{"text":"So, for example, say, let's just say one of the kids goes to or both the kids go to a private education and they decide to pick up the trombone, and that's like a $4 instrument probably.","start":1164.415,"end":1174.85,"sentiment":"neutral","sentiment_score":0.07703469421815227},{"text":"You know?","start":1176.43,"end":1176.83,"sentiment":"neutral","sentiment_score":-0.01666834205389023}],"sentiment":"neutral","sentiment_score":0.1340147659552526,"num_words":146,"start":1120.87,"end":1176.83},{"sentences":[{"text":"And the 4 grand's not sitting there and money needs to be accessed to to fund that.","start":1176.83,"end":1180.93,"sentiment":"neutral","sentiment_score":-0.07676662592326894},{"text":"That can be withdrawn from the child bond.","start":1181.15,"end":1183.775,"sentiment":"neutral","sentiment_score":-0.04407013300806284},{"text":"It's just, I guess, it's dependent on what you guys specifically want.","start":1184.155,"end":1189.115,"sentiment":"neutral","sentiment_score":-0.020236620291446645},{"text":"Like, the money came from, I guess, Ben's family.","start":1189.115,"end":1191.8351,"sentiment":"neutral","sentiment_score":-0.09618265264564091},{"text":"So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner.","start":1191.8351,"end":1204.39,"sentiment":"neutral","sentiment_score":0.13431673140629477}],"sentiment":"neutral","sentiment_score":0.0046841710185011225,"num_words":69,"start":1176.83,"end":1204.39},{"sentences":[{"text":"Sorry.","start":1204.77,"end":1205.09,"sentiment":"neutral","sentiment_score":-0.051704343408346176},{"text":"The bond.","start":1205.09,"end":1205.73,"sentiment":"neutral","sentiment_score":-0.06145970895886421},{"text":"The bond's not IDPS, but same thing.","start":1205.73,"end":1207.67,"sentiment":"neutral","sentiment_score":-0.06983294178332601},{"text":"Or whether, as I said, we it gets split in half.","start":1209.97,"end":1213.1901,"sentiment":"neutral","sentiment_score":-0.033123499459841034},{"text":"Half goes to Hailey, half goes to Ben.","start":1213.505,"end":1215.525,"sentiment":"neutral","sentiment_score":-0.009838310943450779}],"sentiment":"neutral","sentiment_score":-0.038155839152248766,"num_words":29,"start":1204.77,"end":1215.525},{"sentences":[{"text":"Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence.","start":1215.5851,"end":1226.805,"sentiment":"neutral","sentiment_score":-0.16388879012730387},{"text":"And it's realistically, it can be an unfair split sometimes.","start":1227.025,"end":1231.05,"sentiment":"neutral","sentiment_score":-0.26773913353681567},{"text":"It can be that more assets throw to one over the other.","start":1231.05,"end":1233.6901,"sentiment":"neutral","sentiment_score":-0.2735583260655403},{"text":"It's just a decision that has to be made in terms of what you guys are both comfortable with moving forward.","start":1233.6901,"end":1241.885,"sentiment":"neutral","sentiment_score":-0.054638387369258065},{"text":"Yeah.","start":1244.425,"end":1244.665,"sentiment":"neutral","sentiment_score":0.13816481828689575}],"sentiment":"neutral","sentiment_score":-0.1608666126150638,"num_words":80,"start":1215.5851,"end":1244.665},{"sentences":[{"text":"No worries.","start":1244.665,"end":1245.305,"sentiment":"neutral","sentiment_score":0.21266555786132812},{"text":"Well, I I do appreciate your advice.","start":1245.305,"end":1247.0651,"sentiment":"positive","sentiment_score":0.5864917039871216},{"text":"I'm happy to take the rest of it offline with Vanessa and then, obviously, with my lawyer.","start":1247.0651,"end":1252.365,"sentiment":"positive","sentiment_score":0.5061669007820242},{"text":"Yep.","start":1253.385,"end":1253.885,"sentiment":"neutral","sentiment_score":0.17797963321208954},{"text":"No.","start":1253.9451,"end":1254.105,"sentiment":"neutral","sentiment_score":0.13835199177265167}],"sentiment":"positive","sentiment_score":0.48042649935398785,"num_words":28,"start":1244.665,"end":1254.105},{"sentences":[{"text":"That absolutely okay.","start":1254.105,"end":1255.29,"sentiment":"neutral","sentiment_score":0.3032067120075226},{"text":"Did you both have any questions at all with regards to the account or where you wanna like, any any questions?","start":1256.25,"end":1263.79,"sentiment":"neutral","sentiment_score":0.11404010600277356},{"text":"No.","start":1265.05,"end":1265.29,"sentiment":"neutral","sentiment_score":-0.11487168073654176},{"text":"No.","start":1265.29,"end":1265.53,"sentiment":"neutral","sentiment_score":-0.1862368881702423},{"text":"No more.","start":1265.53,"end":1266.27,"sentiment":"negative","sentiment_score":-0.35431012511253357}],"sentiment":"neutral","sentiment_score":0.08195476939103433,"num_words":28,"start":1254.105,"end":1266.27},{"sentences":[{"text":"Yep.","start":1275.385,"end":1275.885,"sentiment":"neutral","sentiment_score":0.012262968346476557},{"text":"That's all fine.","start":1307.51,"end":1308.23,"sentiment":"neutral","sentiment_score":0.23682436347007751},{"text":"Look.","start":1308.23,"end":1308.47,"sentiment":"neutral","sentiment_score":0.09680747985839844},{"text":"We're not gonna continue this, so I'm happy to end the conversation now and take this up with our own advisers.","start":1308.47,"end":1315.9299,"sentiment":"neutral","sentiment_score":0.12359133682080678},{"text":"Absolutely.","start":1317.645,"end":1318.145,"sentiment":"neutral","sentiment_score":0.1780475527048111}],"sentiment":"neutral","sentiment_score":0.13307441350210597,"num_words":27,"start":1275.385,"end":1318.145},{"sentences":[{"text":"Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund?","start":1318.765,"end":1327.505,"sentiment":"neutral","sentiment_score":-0.10806321504060179},{"text":"Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200?","start":1328.125,"end":1346.8401,"sentiment":"neutral","sentiment_score":-0.043003090706310775},{"text":"Cool.","start":1352.0851,"end":1352.5651,"sentiment":"positive","sentiment_score":0.5242815017700195},{"text":"Ben, were you happy with that?","start":1352.5651,"end":1354.025,"sentiment":"positive","sentiment_score":0.3721482108036677},{"text":"Yeah.","start":1354.3251,"end":1354.5651,"sentiment":"neutral","sentiment_score":0.3146079182624817}],"sentiment":"neutral","sentiment_score":-0.029251756357777978,"num_words":97,"start":1318.765,"end":1354.5651},{"sentences":[{"text":"That's fine.","start":1354.5651,"end":1355.305,"sentiment":"positive","sentiment_score":0.43184368312358856},{"text":"Perfect.","start":1356.005,"end":1356.405,"sentiment":"positive","sentiment_score":0.7071194052696228},{"text":"I will get that change happening tonight.","start":1356.405,"end":1358.1051,"sentiment":"positive","sentiment_score":0.6414737360818046},{"text":"Thank you so much for both of your time.","start":1360.66,"end":1362.18,"sentiment":"positive","sentiment_score":0.8241190711657206},{"text":"I really appreciate it, and I will leave everything for the your two advisers to discuss with you guys independently.","start":1362.18,"end":1367.9601,"sentiment":"positive","sentiment_score":0.6730966046452522}],"sentiment":"positive","sentiment_score":0.6907724783970759,"num_words":39,"start":1354.5651,"end":1367.9601},{"sentences":[{"text":"And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between 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Speaking. Yeah. Good. Thanks. Sorry. I've checked my email. Did anything come through? Oh, okay. Too good. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. All good. All good. I do apologize if I get interrupted with the kids. Just the nature. Alright. Too good. Yeah. Thank you. Okay. Not really. I mean, I'm yeah. From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names. However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names the tax purposes with us as the managers of it. And after that, we haven't really come up to yeah. We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that. There hasn't been a full on discussion about that. It was just my proposal. And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes. That was that has been relayed to Ben Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay. But that's kind of what I at least thought we were progressing towards. Yes. Oh, I get that for now. Like, once that happens, that's understandable. Yes. It's just the long term moving forward. Yeah. Mom? Thank you for that. I completely understand that. It's I think I don't know. See what Ben thinks about that. I don't know what he I I know Ben's intention is oh, you go. They're they're almost six and eight. Yeah. So, I mean, you guys are looking at our situation from a bird's eye view. What would you honestly recommend then? Well, yeah. Yeah. Well, that yeah. Yeah. Well, I think as it stands, it just keeps going as is till we obviously make a decision. I mean, I do because this is recorded. I have obviously contributed to that account previously, like, for a for about at least six months with individual deposits. Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that. And it can go to the kids, and that's what we agree now. But his parents there was nothing in writing from his parents. That's just the wishes that changed that unfolded. Yeah. So thank you. Yeah. That's fine. Thank you. Thank you. You too. 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Speaking. Yeah. Good. Thanks.\n\nSorry. I've checked my email. Did anything come through? Oh, okay. Too good.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. All good. All good. I do apologize if I get interrupted with the kids. Just the nature.\n\nAlright. Too good. Yeah. Thank you. Okay.\n\nNot really. I mean, I'm yeah. From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names. However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names the tax purposes with us as the managers of it. And after that, we haven't really come up to yeah.\n\nWe haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that. There hasn't been a full on discussion about that. It was just my proposal. And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes. That was that has been relayed to Ben Whether I don't know.\n\nHe can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay. But that's kind of what I at least thought we were progressing towards. Yes. Oh, I get that for now. Like, once that happens, that's understandable.\n\nYes. It's just the long term moving forward. Yeah. Mom? Thank you for that.\n\nI completely understand that. It's I think I don't know. See what Ben thinks about that. I don't know what he I I know Ben's intention is oh, you go. They're they're almost six and eight.\n\nYeah. So, I mean, you guys are looking at our situation from a bird's eye view. What would you honestly recommend then? Well, yeah. Yeah.\n\nWell, that yeah. Yeah. Well, I think as it stands, it just keeps going as is till we obviously make a decision. I mean, I do because this is recorded. I have obviously contributed to that account previously, like, for a for about at least six months with individual deposits.\n\nLike, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that. And it can go to the kids, and that's what we agree now. But his parents there was nothing in writing from his parents. That's just the wishes that changed that unfolded.\n\nYeah. So thank you. Yeah. That's fine. Thank you.\n\nThank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.024717960506677628},{"text":"Speaking.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.048977531492710114},{"text":"Yeah.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.3181692957878113},{"text":"Good.","start":6.3199997,"end":6.64,"sentiment":"positive","sentiment_score":0.6109641790390015},{"text":"Thanks.","start":6.64,"end":7.04,"sentiment":"positive","sentiment_score":0.5694732666015625}],"sentiment":"neutral","sentiment_score":0.3144604466855526,"num_words":5,"start":1.04,"end":7.04},{"sentences":[{"text":"Sorry.","start":7.04,"end":7.44,"sentiment":"neutral","sentiment_score":0.18071967363357544},{"text":"I've checked my email.","start":7.44,"end":8.48,"sentiment":"neutral","sentiment_score":0.048136538825929165},{"text":"Did anything come 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good.","start":16.515,"end":17.255001,"sentiment":"positive","sentiment_score":0.5323371142148972}],"sentiment":"neutral","sentiment_score":0.1623087151405903,"num_words":13,"start":7.04,"end":17.255001},{"sentences":[{"text":"Yeah.","start":28.65,"end":29.15,"sentiment":"neutral","sentiment_score":0.05481638014316559},{"text":"Yeah.","start":34.09,"end":34.57,"sentiment":"neutral","sentiment_score":0.07719077169895172},{"text":"Yeah.","start":34.57,"end":35.07,"sentiment":"neutral","sentiment_score":0.06068390607833862},{"text":"Yeah.","start":38.09,"end":38.17,"sentiment":"neutral","sentiment_score":0.10364168882369997},{"text":"Yeah.","start":38.17,"end":38.67,"sentiment":"neutral","sentiment_score":0.10457523167133333}],"sentiment":"neutral","sentiment_score":0.08018159568309784,"num_words":5,"start":28.65,"end":38.67},{"sentences":[{"text":"Yeah.","start":41.295002,"end":41.775,"sentiment":"neutral","sentiment_score":0.20783184468746185},{"text":"All good.","start":41.775,"end":42.335003,"sentiment":"positive","sentiment_score":0.46076634526252747},{"text":"All good.","start":42.335003,"end":42.735,"sentiment":"positive","sentiment_score":0.42232027649879456},{"text":"I do apologize if I get interrupted with the kids.","start":42.735,"end":45.795002,"sentiment":"neutral","sentiment_score":-0.15415557026863097},{"text":"Just the nature.","start":46.975002,"end":48.115,"sentiment":"neutral","sentiment_score":-0.034790417179465294}],"sentiment":"neutral","sentiment_score":0.0182265629991889,"num_words":18,"start":41.295002,"end":48.115},{"sentences":[{"text":"Alright.","start":52.175003,"end":52.675003,"sentiment":"neutral","sentiment_score":0.1230464205145836},{"text":"Too good.","start":52.815002,"end":53.555,"sentiment":"positive","sentiment_score":0.3596930503845215},{"text":"Yeah.","start":58.92,"end":59.32,"sentiment":"neutral","sentiment_score":0.1507229059934616},{"text":"Thank you.","start":59.32,"end":60.059998,"sentiment":"positive","sentiment_score":0.3748036324977875},{"text":"Okay.","start":68.04,"end":68.54,"sentiment":"neutral","sentiment_score":0.09442902356386185}],"sentiment":"neutral","sentiment_score":0.2624559594052179,"num_words":7,"start":52.175003,"end":68.54},{"sentences":[{"text":"Not really.","start":116.200005,"end":117.100006,"sentiment":"neutral","sentiment_score":-0.16893895715475082},{"text":"I mean, I'm yeah.","start":119.880005,"end":123.48,"sentiment":"neutral","sentiment_score":0.19444424053654075},{"text":"From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names.","start":123.48,"end":145.5,"sentiment":"neutral","sentiment_score":0.1503209601071748},{"text":"However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names the tax purposes with us as the managers of it.","start":145.5,"end":159.215,"sentiment":"neutral","sentiment_score":0.13735262515979843},{"text":"And after that, we haven't really come up to yeah.","start":160.795,"end":164.155,"sentiment":"neutral","sentiment_score":-0.07463272027671337}],"sentiment":"neutral","sentiment_score":0.1207710350173767,"num_words":108,"start":116.200005,"end":164.155},{"sentences":[{"text":"We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that.","start":164.155,"end":170.33,"sentiment":"neutral","sentiment_score":-0.1521221946924925},{"text":"There hasn't been a full on discussion about that.","start":170.33,"end":173.20999,"sentiment":"neutral","sentiment_score":-0.27330414454142254},{"text":"It was just my proposal.","start":173.20999,"end":174.51,"sentiment":"neutral","sentiment_score":-0.15746097564697265},{"text":"And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes.","start":175.69,"end":189.125,"sentiment":"neutral","sentiment_score":-0.20652847290039061},{"text":"That was that has been relayed to Ben Whether I don't know.","start":191.585,"end":198.05,"sentiment":"neutral","sentiment_score":0.04555063291142384}],"sentiment":"neutral","sentiment_score":-0.15360690564127036,"num_words":71,"start":164.155,"end":198.05},{"sentences":[{"text":"He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay.","start":198.05,"end":203.91,"sentiment":"neutral","sentiment_score":0.01746827211569656},{"text":"But that's kind of what I at least thought we were progressing towards.","start":204.61,"end":212.105,"sentiment":"positive","sentiment_score":0.33577450995261854},{"text":"Yes.","start":223.32,"end":223.82,"sentiment":"neutral","sentiment_score":0.212182879447937},{"text":"Oh, I get that for now.","start":249.83,"end":251.19,"sentiment":"neutral","sentiment_score":0.21266759683688483},{"text":"Like, once that happens, that's understandable.","start":251.19,"end":253.21,"sentiment":"neutral","sentiment_score":0.2808272143205007}],"sentiment":"neutral","sentiment_score":0.16505254921503365,"num_words":48,"start":198.05,"end":253.21},{"sentences":[{"text":"Yes.","start":253.51001,"end":253.75,"sentiment":"positive","sentiment_score":0.4611877202987671},{"text":"It's just the long term moving forward.","start":253.75,"end":255.93001,"sentiment":"positive","sentiment_score":0.5143194581781115},{"text":"Yeah.","start":300.355,"end":300.855,"sentiment":"neutral","sentiment_score":0.091648668050766},{"text":"Mom?","start":373.565,"end":374.065,"sentiment":"neutral","sentiment_score":-0.11312393099069595},{"text":"Thank you for that.","start":482.87,"end":484.25,"sentiment":"positive","sentiment_score":0.5557395815849304}],"sentiment":"positive","sentiment_score":0.4473504993532385,"num_words":14,"start":253.51001,"end":484.25},{"sentences":[{"text":"I completely understand that.","start":485.865,"end":487.385,"sentiment":"neutral","sentiment_score":0.11002103984355927},{"text":"It's I think I don't know.","start":487.385,"end":490.745,"sentiment":"neutral","sentiment_score":-0.15256972362597784},{"text":"See what Ben thinks about that.","start":490.745,"end":493.085,"sentiment":"neutral","sentiment_score":-0.18886204063892365},{"text":"I don't know what he I I know Ben's intention is oh, you go.","start":493.785,"end":498.605,"sentiment":"neutral","sentiment_score":-0.13178260331707342},{"text":"They're they're almost six and eight.","start":818.03503,"end":819.97504,"sentiment":"neutral","sentiment_score":-0.04137324991946419}],"sentiment":"neutral","sentiment_score":-0.10282506589363846,"num_words":36,"start":485.865,"end":819.97504},{"sentences":[{"text":"Yeah.","start":880.315,"end":880.815,"sentiment":"neutral","sentiment_score":0.007387677207589149},{"text":"So, I mean, you guys are looking at our situation from a bird's eye view.","start":953.475,"end":958.035,"sentiment":"neutral","sentiment_score":-0.03902516712745031},{"text":"What would you honestly recommend then?","start":958.035,"end":960.15,"sentiment":"neutral","sentiment_score":0.022841109583775204},{"text":"Well, yeah.","start":982.08496,"end":983.065,"sentiment":"neutral","sentiment_score":0.06598892621695995},{"text":"Yeah.","start":1204.615,"end":1205.015,"sentiment":"neutral","sentiment_score":-0.009130620397627354}],"sentiment":"neutral","sentiment_score":-0.012723837606608867,"num_words":25,"start":880.315,"end":1205.015},{"sentences":[{"text":"Well, that yeah.","start":1205.015,"end":1206.795,"sentiment":"neutral","sentiment_score":-0.05712130106985569},{"text":"Yeah.","start":1208.935,"end":1209.435,"sentiment":"neutral","sentiment_score":-0.02333972230553627},{"text":"Well, I think as it stands, it just keeps going as is till we obviously make a decision.","start":1265.075,"end":1270.3301,"sentiment":"neutral","sentiment_score":-0.28843705024984145},{"text":"I mean, I do because this is recorded.","start":1272.15,"end":1274.09,"sentiment":"neutral","sentiment_score":-0.029713192954659462},{"text":"I have obviously contributed to that account previously, like, for a for about at least six months with individual deposits.","start":1274.9501,"end":1282.495,"sentiment":"neutral","sentiment_score":-0.026665009558200836}],"sentiment":"neutral","sentiment_score":-0.12315152529627085,"num_words":50,"start":1205.015,"end":1282.495},{"sentences":[{"text":"Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off.","start":1282.495,"end":1289.615,"sentiment":"neutral","sentiment_score":-0.1951367211341858},{"text":"But as Ben said, he wanted it changed, and I respect that.","start":1289.615,"end":1294.5599,"sentiment":"neutral","sentiment_score":0.15612890323003134},{"text":"And it can go to the kids, and that's what we agree now.","start":1294.5599,"end":1297.12,"sentiment":"neutral","sentiment_score":0.20111237552303535},{"text":"But his parents there was nothing in writing from his parents.","start":1297.12,"end":1301.12,"sentiment":"neutral","sentiment_score":-0.1858681379394098},{"text":"That's just the wishes that changed that unfolded.","start":1301.12,"end":1303.46,"sentiment":"neutral","sentiment_score":-0.09551195614039898}],"sentiment":"neutral","sentiment_score":-0.04636312281523926,"num_words":69,"start":1282.495,"end":1303.46},{"sentences":[{"text":"Yeah.","start":1306.64,"end":1307.04,"sentiment":"neutral","sentiment_score":0.07766313850879669},{"text":"So thank you.","start":1307.04,"end":1318.0449,"sentiment":"neutral","sentiment_score":0.31849730263153714},{"text":"Yeah.","start":1347.975,"end":1348.35,"sentiment":"neutral","sentiment_score":0.20308011770248413},{"text":"That's fine.","start":1348.6699,"end":1356.9299,"sentiment":"positive","sentiment_score":0.43060389161109924},{"text":"Thank you.","start":1359.23,"end":1360.0499,"sentiment":"positive","sentiment_score":0.7580880522727966}],"sentiment":"positive","sentiment_score":0.4015132279859649,"num_words":9,"start":1306.64,"end":1360.0499},{"sentences":[{"text":"Thank you.","start":1376.5669,"end":1377.3069,"sentiment":"positive","sentiment_score":0.6387799680233002},{"text":"You too.","start":1380.1669,"end":1380.9069,"sentiment":"positive","sentiment_score":0.42283032834529877},{"text":"Bye.","start":1380.9669,"end":1381.4669,"sentiment":"neutral","sentiment_score":-0.10749862343072893}],"sentiment":"positive","sentiment_score":0.4031443938612938,"num_words":5,"start":1376.5669,"end":1381.4669}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Speaking.\n\nChannel 0: Hi, Hailey. It's Larissa from OQ. How are you going?\n\nChannel 1: Yeah. Good. Thanks. Sorry. I've checked my email.\n\nDid anything come through?\n\nChannel 0: No. No. That's okay. I actually figured out we could just do a three way phone call, and it was it works out nicely.\n\nChannel 1: Oh, okay. Too good.\n\nChannel 0: So I've got Veronica, who is Ben's adviser here. And then what we're gonna do is we're I've got Ben on the other line. We're just gonna merge the calls, and what\n\nChannel 1: Yeah.\n\nChannel 0: we're going to do from there is just have a general conversation about the IDPS only\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and about possible options we have available to us\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and just kind of be all in it together. Okay?\n\nChannel 1: Yeah. All good. All good. I do apologize if I get interrupted with the kids.\n\nChannel 0: So fine.\n\nChannel 1: Just the nature.\n\nChannel 0: All of us have kids, but we all understand.\n\nChannel 1: Alright. Too good.\n\nChannel 0: Perfect. Alright. Well, just to remind you, our calls are recorded, and what I'm gonna do is I'm gonna merge this call now.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Cool. Alright. Ben and Hailey, you're on the line. Larissa and Veronica here on this side. Hey,\n\nChannel 1: Okay.\n\nChannel 0: guys. Perfect. So what I wanted to, I guess, talk about was the own the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names. Now as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only.\n\nNow currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward. Is that correct? Yes.\n\nChannel 1: Not really.\n\nChannel 0: Okay.\n\nChannel 1: I mean,\n\nChannel 0: I'm\n\nChannel 1: I'm\n\nChannel 0: I'm more than happy for you to clarify.\n\nChannel 1: yeah. From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names. However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names the tax purposes with us as the managers of it. And after that, we haven't really come up to yeah. We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that.\n\nThere hasn't been a full on discussion about that. It was just my proposal. And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes.\n\nChannel 0: Yep.\n\nChannel 1: That was that has been relayed to Ben Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay. But that's kind of what I at least thought we were progressing towards.\n\nChannel 0: So from from a from a general perspective only, with the account as it currently stands, 5050% ownership.\n\nChannel 1: Yes.\n\nChannel 0: If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then, for, like, for example, say, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT.\n\nChannel 1: Oh, I get that for now. Like, once that happens, that's understandable.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. It's just the long term moving forward.\n\nChannel 0: Yeah. So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be. The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be,\n\nChannel 1: Yeah.\n\nChannel 0: I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids. Is that correct, Sam? Yes.\n\nThat's correct. Yeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself.\n\nBut with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond. And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless\n\nChannel 1: Mom?\n\nChannel 0: it's for the children for very specific reasons. So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in. So for to to explain that, I guess, is that you could liquidate the money.\n\nThe money goes into a pool, and then whatever tax needs to be paid from that pool is paid. And then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben, $50 as Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just less for you guys to independently pay those taxes. And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money. And Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money.\n\nSo if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that. I know the kids are still quite young. So in ten years' time, probably not gonna be looking to touch that money, but it's over ten like, ten years plus for those child bonds.\n\nChannel 1: Thank you for that.\n\nChannel 0: That's okay.\n\nChannel 1: I completely understand that. It's I think I don't know. See what Ben thinks about that. I don't know what he\n\nChannel 0: So\n\nChannel 1: I I know\n\nChannel 0: do\n\nChannel 1: Ben's intention is\n\nChannel 0: the\n\nChannel 1: oh, you go.\n\nChannel 0: kids so do the kids need to pay tax on that if it goes to the across to the child one? Do do Yeah. The kids No. So how it happens is do you remember back in the day you'd be old enough. Do you remember back in the day where you had, like, your Commonwealth, DollarMite accounts?\n\nYep. And you had the account, and it was in your name, but mom and dad, mom and dad were basically the trustees of that account? Yep. And mom and dad had to sign off on everything for that money to come out. Uh-huh.\n\nSame kind of concept. So with the child builder, is it a very spec specific I am tripping over that word today. It's a very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult basically trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has.\n\nAnd then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen. Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out the ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.\n\nSo let's just say at 18, you're happy for the kids to get access to that account. The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder. The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account. They are able to play with that money as much as they want without paying any tax on the draw withdrawings. So it the accounts are what is called tax paid after ten years.\n\nAnd with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them. And then by the time they do get to earning age where they have a job and, you know, maybe they not might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so. Nor Capital Gains. Correct? Yes.\n\nNor Capital Gains. Correct. Yep. So what would be or is there a monthly contribution that is needed to be made? You don't have to know.\n\nSo with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made. But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in. Sounds convoluted, but it just kind of just make sure you don't pay the tax.\n\nThat's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account. So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is. If you didn't put any money in, that's fine.\n\nIf you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah. But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again. That's all it is. It's not the end of the world, especially when the can I ask how old are the kids?\n\nI'm actually\n\nChannel 1: They're\n\nChannel 0: not\n\nChannel 1: they're\n\nChannel 0: familiar.\n\nChannel 1: almost six\n\nChannel 0: So\n\nChannel 1: and eight.\n\nChannel 0: That's fine. Six and eight. Okay. Yeah. So if you yeah.\n\nSo, I mean, look. Realistically, what I what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're wanting to do. Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids, or I I set up IDPSs and and investment accounts for my kids back when they were born.\n\nAnd then, you know, in the last few years, I set up a bond. With tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule. 125% rule.\n\nSorry.\n\nChannel 1: Yeah.\n\nChannel 0: So that is just, like, some options that we can explore Yep. Absolutely. You know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to chop the account in half.\n\nIt's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted. Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with. Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment. The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now.\n\nBut, yeah, converting that IDPS and and pushing it over to the kids from an investment point of view is not gonna work No. Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.\n\nChannel 1: So, I\n\nChannel 0: So\n\nChannel 1: mean, you\n\nChannel 0: I guess\n\nChannel 1: guys are looking at\n\nChannel 0: You're\n\nChannel 1: our\n\nChannel 0: the\n\nChannel 1: situation\n\nChannel 0: same.\n\nChannel 1: from a bird's eye view. What would you honestly recommend then?\n\nChannel 0: What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess. Unless you have an answer, then I'm more than comfortable for you to put it out there. But what is the intention with this account, and how do you want it to be split and used for? And once you figured\n\nChannel 1: Well,\n\nChannel 0: that out\n\nChannel 1: yeah.\n\nChannel 0: between the two of you, it'll give a really clear answer because the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that. Or the third option is, yeah, it goes to one person over the other, and there's compensation in some way.\n\nThe the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents. Yep. Yep. The intent from it, from the 150,000 that was put in there was for the kids to for them, for their future.\n\nSo, ideally, everything is for the kids. It isn't for us. It isn't for me or for Hailey. There's no benefit for either of us. The benefit is purely for the kids.\n\nThat's my intention. That's what my parents would like because, obviously, they died and they got nothing left. So the intent is for the this money for the kids, purely just for the kids, not for me or Hailey. So I did see the situation would be solely one person, and it everything can just go straight to the kids. Okay.\n\nSo, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account. Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order. So that way, I guess, there's assurance for both of you that that's what the money is going to be used for.\n\nBut I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say, let's just say one of the kids goes to or both the kids go to a private education and they decide to pick up the trombone, and that's like a $4 instrument probably. You know? And the 4 grand's not sitting there and money needs to be accessed to to fund that. That can be withdrawn from the child bond.\n\nIt's just, I guess, it's dependent on what you guys specifically want. Like, the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Well,\n\nChannel 0: The bond. The\n\nChannel 1: that\n\nChannel 0: bond's not IDPS,\n\nChannel 1: yeah.\n\nChannel 0: but same thing.\n\nChannel 1: Yeah.\n\nChannel 0: Or whether, as I said, we it gets split in half. Half goes to Hailey, half goes to Ben. Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence. And it's realistically, it can be an unfair split sometimes. It can be that more assets throw to one over the other.\n\nIt's just a decision that has to be made in terms of what you guys are both comfortable with moving forward. Yeah. No worries. Well, I I do appreciate your advice. I'm happy to take the rest of it offline with Vanessa and then, obviously, with my lawyer.\n\nYep. No. That absolutely okay. Did you both have any questions at all with regards to the account or where you wanna like, any any questions? No.\n\nChannel 1: Well,\n\nChannel 0: No.\n\nChannel 1: I think\n\nChannel 0: No\n\nChannel 1: as\n\nChannel 0: more.\n\nChannel 1: it stands, it just keeps going as is till we obviously make a decision. I mean, I do because this is recorded. I have obviously\n\nChannel 0: Yep.\n\nChannel 1: contributed to that account previously, like, for a for about at least six months with individual deposits. Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that. And it can go to the kids, and that's what we agree now. But his parents there was nothing in writing from his parents.\n\nThat's just the wishes that changed that unfolded. Yeah. So\n\nChannel 0: That's all fine. Look. We're not gonna continue this, so I'm happy to end the conversation now and take this up with our own advisers.\n\nChannel 1: thank you.\n\nChannel 0: Absolutely. Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200?\n\nChannel 1: Yeah. That's\n\nChannel 0: Cool. Ben, were you happy with that? Yeah. That's fine. Perfect.\n\nI\n\nChannel 1: fine.\n\nChannel 0: will get that change happening tonight.\n\nChannel 1: Thank you.\n\nChannel 0: Thank you so much for both of your time. I really appreciate it, and I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay?\n\nChannel 1: Thank you.\n\nChannel 0: Okay. Bye. Thanks, guys. Have a good day.\n\nChannel 1: You\n\nChannel 0: You\n\nChannel 1: too.\n\nChannel 0: too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.024717960506677628},{"text":"Speaking.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.048977531492710114}],"sentiment":"neutral","sentiment_score":0.03684774599969387,"channel":1,"num_words":2,"start":1.04,"end":2.42},{"sentences":[{"text":"Hi, Hailey.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.20565608143806458},{"text":"It's Larissa from OQ.","start":3.6799998,"end":4.88,"sentiment":"neutral","sentiment_score":0.20815414190292358},{"text":"How are you going?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.3040686845779419}],"sentiment":"neutral","sentiment_score":0.2460203468799591,"channel":0,"num_words":10,"start":2.96,"end":5.7},{"sentences":[{"text":"Yeah.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.3181692957878113},{"text":"Good.","start":6.3199997,"end":6.64,"sentiment":"positive","sentiment_score":0.6109641790390015},{"text":"Thanks.","start":6.64,"end":7.04,"sentiment":"positive","sentiment_score":0.5694732666015625},{"text":"Sorry.","start":7.04,"end":7.44,"sentiment":"neutral","sentiment_score":0.18071967363357544},{"text":"I've checked my email.","start":7.44,"end":8.48,"sentiment":"neutral","sentiment_score":0.048136538825929165}],"sentiment":"neutral","sentiment_score":0.23398407129570842,"channel":1,"num_words":8,"start":6.0,"end":8.48},{"sentences":[{"text":"Did anything come through?","start":8.48,"end":9.78,"sentiment":"neutral","sentiment_score":0.010479784104973078}],"sentiment":"neutral","sentiment_score":0.010479784104973078,"channel":1,"num_words":4,"start":8.48,"end":9.78},{"sentences":[{"text":"No.","start":10.16,"end":10.48,"sentiment":"neutral","sentiment_score":-0.08478711545467377},{"text":"No.","start":10.48,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.05402793362736702},{"text":"That's okay.","start":10.639999,"end":11.28,"sentiment":"neutral","sentiment_score":0.16776584833860397},{"text":"I actually figured out we could just do a three way phone call, and it was it works out nicely.","start":11.28,"end":15.219999,"sentiment":"positive","sentiment_score":0.41988332122564315}],"sentiment":"positive","sentiment_score":0.3580992946711679,"channel":0,"num_words":24,"start":10.16,"end":15.219999},{"sentences":[{"text":"Oh, okay.","start":15.715,"end":16.515,"sentiment":"neutral","sentiment_score":0.3150770515203476},{"text":"Too good.","start":16.515,"end":17.255001,"sentiment":"positive","sentiment_score":0.5323371142148972}],"sentiment":"positive","sentiment_score":0.4237070828676224,"channel":1,"num_words":4,"start":15.715,"end":17.255001},{"sentences":[{"text":"So I've got Veronica, who is Ben's adviser here.","start":17.935,"end":22.994999,"sentiment":"neutral","sentiment_score":0.1502848838766416},{"text":"And then what we're gonna do is we're I've got Ben on the other line.","start":23.695,"end":26.895,"sentiment":"neutral","sentiment_score":0.09535062909126282},{"text":"We're just gonna merge the calls, and what","start":26.895,"end":28.75,"sentiment":"neutral","sentiment_score":0.06553672160953283}],"sentiment":"neutral","sentiment_score":0.1033474113792181,"channel":0,"num_words":32,"start":17.935,"end":28.75},{"sentences":[{"text":"Yeah.","start":28.65,"end":29.15,"sentiment":"neutral","sentiment_score":0.05481638014316559}],"sentiment":"neutral","sentiment_score":0.05481638014316559,"channel":1,"num_words":1,"start":28.65,"end":29.15},{"sentences":[{"text":"we're going to do from there is just have a general conversation about the IDPS only","start":28.75,"end":33.89,"sentiment":"neutral","sentiment_score":0.06771810143254697}],"sentiment":"neutral","sentiment_score":0.06771810143254697,"channel":0,"num_words":16,"start":28.75,"end":33.89},{"sentences":[{"text":"Yeah.","start":34.09,"end":34.57,"sentiment":"neutral","sentiment_score":0.07719077169895172},{"text":"Yeah.","start":34.57,"end":35.07,"sentiment":"neutral","sentiment_score":0.06068390607833862}],"sentiment":"neutral","sentiment_score":0.06893733888864517,"channel":1,"num_words":2,"start":34.09,"end":35.07},{"sentences":[{"text":"and about possible options we have available to us","start":34.91,"end":38.190002,"sentiment":"neutral","sentiment_score":0.0758051685988903}],"sentiment":"neutral","sentiment_score":0.0758051685988903,"channel":0,"num_words":9,"start":34.91,"end":38.190002},{"sentences":[{"text":"Yeah.","start":38.09,"end":38.17,"sentiment":"neutral","sentiment_score":0.10364168882369997},{"text":"Yeah.","start":38.17,"end":38.67,"sentiment":"neutral","sentiment_score":0.10457523167133333}],"sentiment":"neutral","sentiment_score":0.10410846024751665,"channel":1,"num_words":2,"start":38.09,"end":38.67},{"sentences":[{"text":"and just kind of be all in it together.","start":38.190002,"end":40.77,"sentiment":"neutral","sentiment_score":0.11035709662569894},{"text":"Okay?","start":40.83,"end":41.33,"sentiment":"neutral","sentiment_score":0.11140821874141692}],"sentiment":"neutral","sentiment_score":0.11046220883727073,"channel":0,"num_words":10,"start":38.190002,"end":41.33},{"sentences":[{"text":"Yeah.","start":41.295002,"end":41.775,"sentiment":"neutral","sentiment_score":0.20783184468746185},{"text":"All good.","start":41.775,"end":42.335003,"sentiment":"positive","sentiment_score":0.46076634526252747},{"text":"All good.","start":42.335003,"end":42.735,"sentiment":"positive","sentiment_score":0.42232027649879456},{"text":"I do apologize if I get interrupted with the kids.","start":42.735,"end":45.795002,"sentiment":"neutral","sentiment_score":-0.15415557026863097}],"sentiment":"neutral","sentiment_score":0.02882995903491974,"channel":1,"num_words":15,"start":41.295002,"end":45.795002},{"sentences":[{"text":"So fine.","start":46.645,"end":47.465,"sentiment":"neutral","sentiment_score":0.014409827068448067}],"sentiment":"neutral","sentiment_score":0.014409827068448067,"channel":0,"num_words":2,"start":46.645,"end":47.465},{"sentences":[{"text":"Just the nature.","start":46.975002,"end":48.115,"sentiment":"neutral","sentiment_score":-0.034790417179465294}],"sentiment":"neutral","sentiment_score":-0.034790417179465294,"channel":1,"num_words":3,"start":46.975002,"end":48.115},{"sentences":[{"text":"All of us have kids, but we all understand.","start":48.645,"end":50.745003,"sentiment":"neutral","sentiment_score":-0.01104471915298038}],"sentiment":"neutral","sentiment_score":-0.01104471915298038,"channel":0,"num_words":9,"start":48.645,"end":50.745003},{"sentences":[{"text":"Alright.","start":52.175003,"end":52.675003,"sentiment":"neutral","sentiment_score":0.1230464205145836},{"text":"Too good.","start":52.815002,"end":53.555,"sentiment":"positive","sentiment_score":0.3596930503845215}],"sentiment":"neutral","sentiment_score":0.2808108404278755,"channel":1,"num_words":3,"start":52.175003,"end":53.555},{"sentences":[{"text":"Perfect.","start":53.940002,"end":54.34,"sentiment":"neutral","sentiment_score":0.3315362334251404},{"text":"Alright.","start":54.34,"end":54.74,"sentiment":"neutral","sentiment_score":0.12005981057882308},{"text":"Well, just to remind you, our calls are recorded, and what I'm gonna do is I'm gonna merge this call now.","start":54.74,"end":58.760002,"sentiment":"neutral","sentiment_score":0.035482010671070645}],"sentiment":"neutral","sentiment_score":0.05203122904767161,"channel":0,"num_words":23,"start":53.940002,"end":58.760002},{"sentences":[{"text":"Yeah.","start":58.92,"end":59.32,"sentiment":"neutral","sentiment_score":0.1507229059934616},{"text":"Thank you.","start":59.32,"end":60.059998,"sentiment":"positive","sentiment_score":0.3748036324977875}],"sentiment":"neutral","sentiment_score":0.3001100569963455,"channel":1,"num_words":3,"start":58.92,"end":60.059998},{"sentences":[{"text":"Cool.","start":60.5,"end":61.0,"sentiment":"neutral","sentiment_score":0.2635129690170288},{"text":"Alright.","start":63.38,"end":63.86,"sentiment":"neutral","sentiment_score":0.12939321994781494},{"text":"Ben and Hailey, you're on the line.","start":63.86,"end":65.3,"sentiment":"neutral","sentiment_score":0.10897010884114675},{"text":"Larissa and Veronica here on this side.","start":65.3,"end":67.32,"sentiment":"neutral","sentiment_score":0.09733352277960096},{"text":"Hey,","start":67.985,"end":68.225006,"sentiment":"neutral","sentiment_score":0.07734455168247223}],"sentiment":"neutral","sentiment_score":0.11261036247015,"channel":0,"num_words":17,"start":60.5,"end":68.225006},{"sentences":[{"text":"Okay.","start":68.04,"end":68.54,"sentiment":"neutral","sentiment_score":0.09442902356386185}],"sentiment":"neutral","sentiment_score":0.09442902356386185,"channel":1,"num_words":1,"start":68.04,"end":68.54},{"sentences":[{"text":"guys.","start":68.225006,"end":68.725006,"sentiment":"neutral","sentiment_score":0.151910200715065},{"text":"Perfect.","start":69.665,"end":70.165,"sentiment":"neutral","sentiment_score":0.31839698553085327},{"text":"So what I wanted to, I guess, talk about was the own the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names.","start":70.625,"end":82.245,"sentiment":"neutral","sentiment_score":0.044518536258790944},{"text":"Now as it currently stands, we are 5050% owners.","start":82.625,"end":87.52,"sentiment":"neutral","sentiment_score":0.03917133642567529},{"text":"Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only.","start":88.06,"end":98.64,"sentiment":"neutral","sentiment_score":-0.0435045612259553}],"sentiment":"neutral","sentiment_score":0.018093465726721932,"channel":0,"num_words":74,"start":68.225006,"end":98.64},{"sentences":[{"text":"Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward.","start":99.845,"end":113.365,"sentiment":"neutral","sentiment_score":-0.04275330242056113},{"text":"Is that correct?","start":113.365,"end":114.265,"sentiment":"neutral","sentiment_score":0.02269585430622101},{"text":"Yes.","start":116.130005,"end":116.630005,"sentiment":"neutral","sentiment_score":-0.009065570309758186}],"sentiment":"neutral","sentiment_score":-0.0374036465533251,"channel":0,"num_words":43,"start":99.845,"end":116.630005},{"sentences":[{"text":"Not really.","start":116.200005,"end":117.100006,"sentiment":"neutral","sentiment_score":-0.16893895715475082}],"sentiment":"neutral","sentiment_score":-0.16893895715475082,"channel":1,"num_words":2,"start":116.200005,"end":117.100006},{"sentences":[{"text":"Okay.","start":118.53,"end":119.03,"sentiment":"neutral","sentiment_score":0.13181500136852264}],"sentiment":"neutral","sentiment_score":0.13181500136852264,"channel":0,"num_words":1,"start":118.53,"end":119.03},{"sentences":[{"text":"I mean,","start":119.880005,"end":120.36,"sentiment":"neutral","sentiment_score":0.17740225046873093}],"sentiment":"neutral","sentiment_score":0.17740225046873093,"channel":1,"num_words":2,"start":119.880005,"end":120.36},{"sentences":[{"text":"I'm","start":120.05,"end":120.450005,"sentiment":"positive","sentiment_score":0.37269967794418335}],"sentiment":"positive","sentiment_score":0.37269967794418335,"channel":0,"num_words":1,"start":120.05,"end":120.450005},{"sentences":[{"text":"I'm","start":120.36,"end":120.600006,"sentiment":"positive","sentiment_score":0.42956870794296265}],"sentiment":"positive","sentiment_score":0.42956870794296265,"channel":1,"num_words":1,"start":120.36,"end":120.600006},{"sentences":[{"text":"I'm more than happy for you to clarify.","start":120.450005,"end":121.83,"sentiment":"positive","sentiment_score":0.5899836830794811}],"sentiment":"positive","sentiment_score":0.5899836830794811,"channel":0,"num_words":8,"start":120.450005,"end":121.83},{"sentences":[{"text":"yeah.","start":123.16,"end":123.48,"sentiment":"neutral","sentiment_score":-0.006596246734261513},{"text":"From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names.","start":123.48,"end":145.5,"sentiment":"neutral","sentiment_score":0.1503209601071748},{"text":"However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names the tax purposes with us as the managers of it.","start":145.5,"end":159.215,"sentiment":"neutral","sentiment_score":0.13735262515979843},{"text":"And after that, we haven't really come up to yeah.","start":160.795,"end":164.155,"sentiment":"neutral","sentiment_score":-0.07463272027671337},{"text":"We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that.","start":164.155,"end":170.33,"sentiment":"neutral","sentiment_score":-0.1521221946924925}],"sentiment":"neutral","sentiment_score":0.07767750075980415,"channel":1,"num_words":123,"start":123.16,"end":170.33},{"sentences":[{"text":"There hasn't been a full on discussion about that.","start":170.33,"end":173.20999,"sentiment":"neutral","sentiment_score":-0.27330414454142254},{"text":"It was just my proposal.","start":173.20999,"end":174.51,"sentiment":"neutral","sentiment_score":-0.15746097564697265},{"text":"And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes.","start":175.69,"end":189.125,"sentiment":"neutral","sentiment_score":-0.20652847290039061}],"sentiment":"neutral","sentiment_score":-0.21564753850301108,"channel":1,"num_words":39,"start":170.33,"end":189.125},{"sentences":[{"text":"Yep.","start":190.62,"end":191.12,"sentiment":"neutral","sentiment_score":0.06607994437217712}],"sentiment":"neutral","sentiment_score":0.06607994437217712,"channel":0,"num_words":1,"start":190.62,"end":191.12},{"sentences":[{"text":"That was that has been relayed to Ben Whether I don't know.","start":191.585,"end":198.05,"sentiment":"neutral","sentiment_score":0.04555063291142384},{"text":"He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay.","start":198.05,"end":203.91,"sentiment":"neutral","sentiment_score":0.01746827211569656},{"text":"But that's kind of what I at least thought we were progressing towards.","start":204.61,"end":212.105,"sentiment":"positive","sentiment_score":0.33577450995261854}],"sentiment":"neutral","sentiment_score":0.11268038746524364,"channel":1,"num_words":47,"start":191.585,"end":212.105},{"sentences":[{"text":"So from from a from a general perspective only, with the account as it currently stands, 5050% ownership.","start":214.65,"end":222.75,"sentiment":"neutral","sentiment_score":0.14034134936001566}],"sentiment":"neutral","sentiment_score":0.14034134936001566,"channel":0,"num_words":18,"start":214.65,"end":222.75},{"sentences":[{"text":"Yes.","start":223.32,"end":223.82,"sentiment":"neutral","sentiment_score":0.212182879447937}],"sentiment":"neutral","sentiment_score":0.212182879447937,"channel":1,"num_words":1,"start":223.32,"end":223.82},{"sentences":[{"text":"If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then, for, like, for example, say, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT.","start":223.565,"end":249.24501,"sentiment":"neutral","sentiment_score":0.12349427093205781}],"sentiment":"neutral","sentiment_score":0.12349427093205781,"channel":0,"num_words":58,"start":223.565,"end":249.24501},{"sentences":[{"text":"Oh, I get that for now.","start":249.83,"end":251.19,"sentiment":"neutral","sentiment_score":0.21266759683688483},{"text":"Like, once that happens, that's understandable.","start":251.19,"end":253.21,"sentiment":"neutral","sentiment_score":0.2808272143205007}],"sentiment":"neutral","sentiment_score":0.24674740557869276,"channel":1,"num_words":12,"start":249.83,"end":253.21},{"sentences":[{"text":"Yeah.","start":253.38501,"end":253.88501,"sentiment":"positive","sentiment_score":0.36114466190338135}],"sentiment":"positive","sentiment_score":0.36114466190338135,"channel":0,"num_words":1,"start":253.38501,"end":253.88501},{"sentences":[{"text":"Yes.","start":253.51001,"end":253.75,"sentiment":"positive","sentiment_score":0.4611877202987671},{"text":"It's just the long term moving forward.","start":253.75,"end":255.93001,"sentiment":"positive","sentiment_score":0.5143194581781115}],"sentiment":"positive","sentiment_score":0.5076779909431934,"channel":1,"num_words":8,"start":253.51001,"end":255.93001},{"sentences":[{"text":"Yeah.","start":256.425,"end":256.925,"sentiment":"neutral","sentiment_score":-0.057251181453466415},{"text":"So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be.","start":258.425,"end":288.19498,"sentiment":"neutral","sentiment_score":0.05800932124728644},{"text":"The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after.","start":288.81497,"end":299.18,"sentiment":"neutral","sentiment_score":0.024415614591403442},{"text":"It just needs to be,","start":299.18,"end":300.56,"sentiment":"neutral","sentiment_score":0.11058463007211686}],"sentiment":"neutral","sentiment_score":0.05248179316311796,"channel":0,"num_words":107,"start":256.425,"end":300.56},{"sentences":[{"text":"Yeah.","start":300.355,"end":300.855,"sentiment":"neutral","sentiment_score":0.091648668050766}],"sentiment":"neutral","sentiment_score":0.091648668050766,"channel":1,"num_words":1,"start":300.355,"end":300.855},{"sentences":[{"text":"I guess, directed to what's actually the intention with the account.","start":300.86002,"end":305.1,"sentiment":"neutral","sentiment_score":0.09820873154835268},{"text":"And I under well, correct.","start":305.1,"end":306.675,"sentiment":"neutral","sentiment_score":0.11140263080596924},{"text":"Based on what Hailey just said, the intention is for that money to be for the kids.","start":306.675,"end":310.675,"sentiment":"neutral","sentiment_score":0.18430545356343775},{"text":"Is that correct, Sam?","start":310.675,"end":311.815,"sentiment":"neutral","sentiment_score":0.10732514411211012},{"text":"Yes.","start":313.235,"end":313.475,"sentiment":"neutral","sentiment_score":0.1787683367729187}],"sentiment":"neutral","sentiment_score":0.14154133749635597,"channel":0,"num_words":38,"start":300.86002,"end":313.475},{"sentences":[{"text":"That's correct.","start":313.475,"end":314.215,"sentiment":"neutral","sentiment_score":0.20889350771903992},{"text":"Yeah.","start":314.595,"end":315.095,"sentiment":"neutral","sentiment_score":0.1394577920436859},{"text":"So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser.","start":316.51498,"end":321.03,"sentiment":"neutral","sentiment_score":0.05444534079116933},{"text":"He's actually on paternity leave right now.","start":321.03,"end":323.11002,"sentiment":"neutral","sentiment_score":0.03526016005447933},{"text":"We just had a little girl himself.","start":323.11002,"end":324.57,"sentiment":"neutral","sentiment_score":0.054491334195647924}],"sentiment":"neutral","sentiment_score":0.06209047237301574,"channel":0,"num_words":34,"start":313.475,"end":324.57},{"sentences":[{"text":"But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond.","start":326.55002,"end":346.035,"sentiment":"neutral","sentiment_score":0.049138200268441554},{"text":"And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid.","start":346.86002,"end":355.36002,"sentiment":"neutral","sentiment_score":-0.004217364541862323},{"text":"And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless","start":357.5,"end":373.655,"sentiment":"neutral","sentiment_score":0.03600846149493009}],"sentiment":"neutral","sentiment_score":0.033597354689296685,"channel":0,"num_words":106,"start":326.55002,"end":373.655},{"sentences":[{"text":"Mom?","start":373.565,"end":374.065,"sentiment":"neutral","sentiment_score":-0.11312393099069595}],"sentiment":"neutral","sentiment_score":-0.11312393099069595,"channel":1,"num_words":1,"start":373.565,"end":374.065},{"sentences":[{"text":"it's for the children for very specific reasons.","start":373.655,"end":375.835,"sentiment":"neutral","sentiment_score":-0.009968481957912445},{"text":"So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account.","start":378.14,"end":397.215,"sentiment":"neutral","sentiment_score":0.12297513019644989},{"text":"50% goes to each of you.","start":397.435,"end":399.19498,"sentiment":"neutral","sentiment_score":0.16645938406387964},{"text":"Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in.","start":399.19498,"end":409.06,"sentiment":"neutral","sentiment_score":0.010015507431133934},{"text":"So for to to explain that, I guess, is that you could liquidate the money.","start":409.43997,"end":414.24,"sentiment":"neutral","sentiment_score":-0.024198766549428305}],"sentiment":"neutral","sentiment_score":0.06956252877910932,"channel":0,"num_words":105,"start":373.655,"end":414.24},{"sentences":[{"text":"The money goes into a pool, and then whatever tax needs to be paid from that pool is paid.","start":414.24,"end":420.18,"sentiment":"neutral","sentiment_score":0.03542492617117731},{"text":"And then whatever's left over post the pay of tax is split fifty fifty.","start":420.66498,"end":425.965,"sentiment":"neutral","sentiment_score":0.02408359931515796},{"text":"Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben, $50 as Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just less for you guys to independently pay those taxes.","start":426.585,"end":442.43997,"sentiment":"neutral","sentiment_score":0.04735123811691415},{"text":"And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money.","start":443.46,"end":451.045,"sentiment":"neutral","sentiment_score":0.2834534289745184},{"text":"And Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money.","start":451.105,"end":456.145,"sentiment":"positive","sentiment_score":0.41104630576936824}],"sentiment":"neutral","sentiment_score":0.14422345809754014,"channel":0,"num_words":129,"start":414.24,"end":456.145},{"sentences":[{"text":"So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.","start":456.145,"end":468.40997,"sentiment":"neutral","sentiment_score":0.21637211804804596},{"text":"I know the kids are still quite young.","start":468.40997,"end":470.59,"sentiment":"neutral","sentiment_score":-0.02938850410282612},{"text":"So in ten years' time, probably not gonna be looking to touch that money, but it's over ten like, ten years plus for those child 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know.","start":487.385,"end":490.745,"sentiment":"neutral","sentiment_score":-0.15256972362597784},{"text":"See what Ben thinks about that.","start":490.745,"end":493.085,"sentiment":"neutral","sentiment_score":-0.18886204063892365},{"text":"I don't know what he","start":493.785,"end":494.745,"sentiment":"neutral","sentiment_score":-0.20532264709472656}],"sentiment":"neutral","sentiment_score":-0.12548188865184784,"channel":1,"num_words":21,"start":485.865,"end":494.745},{"sentences":[{"text":"So","start":495.47,"end":495.97,"sentiment":"neutral","sentiment_score":-0.12865495681762695}],"sentiment":"neutral","sentiment_score":-0.12865495681762695,"channel":0,"num_words":1,"start":495.47,"end":495.97},{"sentences":[{"text":"I I 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out.","start":529.27496,"end":533.035,"sentiment":"neutral","sentiment_score":-0.04465647111646831},{"text":"Uh-huh.","start":533.035,"end":533.535,"sentiment":"neutral","sentiment_score":-0.04436954855918884}],"sentiment":"neutral","sentiment_score":-0.026008949519812384,"channel":0,"num_words":44,"start":520.30005,"end":533.535},{"sentences":[{"text":"Same kind of concept.","start":533.675,"end":534.875,"sentiment":"neutral","sentiment_score":-0.10505785048007965},{"text":"So with the child builder, is it a very spec specific I am tripping over that word today.","start":534.875,"end":544.64,"sentiment":"neutral","sentiment_score":-0.1723926050795449},{"text":"It's a very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult basically trustee for that account.","start":544.64,"end":556.815,"sentiment":"neutral","sentiment_score":0.042318934214211276},{"text":"So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice.","start":557.195,"end":569.70996,"sentiment":"neutral","sentiment_score":0.014148712256237081},{"text":"It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has.","start":570.00995,"end":581.385,"sentiment":"neutral","sentiment_score":0.16410526684062046}],"sentiment":"neutral","sentiment_score":0.04108793684453876,"channel":0,"num_words":135,"start":533.675,"end":581.385},{"sentences":[{"text":"And then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has.","start":581.385,"end":587.885,"sentiment":"neutral","sentiment_score":0.17354248588283858},{"text":"In that way, they're separate and whatever needs to happen with those accounts happen.","start":588.665,"end":592.525,"sentiment":"neutral","sentiment_score":0.10574184358119965},{"text":"Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money.","start":592.745,"end":601.31995,"sentiment":"neutral","sentiment_score":0.10231702677581621},{"text":"However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income.","start":602.33997,"end":613.195,"sentiment":"neutral","sentiment_score":-0.21277863992487683},{"text":"But if you see out the ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start":614.295,"end":628.55,"sentiment":"neutral","sentiment_score":0.08987645221793134}],"sentiment":"neutral","sentiment_score":0.034741419374097325,"channel":0,"num_words":141,"start":581.385,"end":628.55},{"sentences":[{"text":"So let's just say at 18, you're happy for the kids to get access to that account.","start":628.85,"end":632.73505,"sentiment":"positive","sentiment_score":0.5602582938530866},{"text":"The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.","start":632.73505,"end":642.99506,"sentiment":"neutral","sentiment_score":0.3250206595659256},{"text":"The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account.","start":643.35,"end":650.41,"sentiment":"positive","sentiment_score":0.5285633988678455},{"text":"They are able to play with that money as much as they want without paying any tax on the draw 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Gains.","start":708.45996,"end":709.25995,"sentiment":"neutral","sentiment_score":0.00629686564207077},{"text":"Correct.","start":709.25995,"end":709.74,"sentiment":"neutral","sentiment_score":0.07424785196781158},{"text":"Yep.","start":709.74,"end":710.24,"sentiment":"neutral","sentiment_score":0.10873635858297348},{"text":"So what would be or is there a monthly contribution that is needed to be made?","start":711.42,"end":716.48,"sentiment":"neutral","sentiment_score":0.047282177954912186},{"text":"You don't have to know.","start":717.18,"end":718.45996,"sentiment":"neutral","sentiment_score":0.036316899210214616}],"sentiment":"neutral","sentiment_score":0.04384515964641021,"channel":0,"num_words":26,"start":708.45996,"end":718.45996},{"sentences":[{"text":"So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond.","start":718.45996,"end":741.26,"sentiment":"neutral","sentiment_score":0.13996741489360207},{"text":"There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made.","start":741.4,"end":747.66003,"sentiment":"neutral","sentiment_score":0.11600826065177502},{"text":"But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50.","start":748.305,"end":755.665,"sentiment":"neutral","sentiment_score":0.10421977530826222},{"text":"So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.","start":755.665,"end":761.34503,"sentiment":"neutral","sentiment_score":0.14038484463734285},{"text":"Sounds convoluted, but it just kind of just make sure you don't pay the 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the world, especially when the can I ask how old are the kids?","start":812.915,"end":817.33496,"sentiment":"neutral","sentiment_score":-0.3187753152516153}],"sentiment":"neutral","sentiment_score":-0.14328179355053342,"channel":0,"num_words":85,"start":791.65497,"end":817.33496},{"sentences":[{"text":"I'm 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eight.","start":820.595,"end":821.15497,"sentiment":"neutral","sentiment_score":0.0424631138642629},{"text":"Okay.","start":821.15497,"end":821.475,"sentiment":"neutral","sentiment_score":0.1075609102845192},{"text":"Yeah.","start":821.475,"end":821.795,"sentiment":"neutral","sentiment_score":0.08008745312690735},{"text":"So if you yeah.","start":821.795,"end":822.675,"sentiment":"neutral","sentiment_score":0.03955130372196436}],"sentiment":"neutral","sentiment_score":0.07078854163939302,"channel":0,"num_words":11,"start":819.555,"end":822.675},{"sentences":[{"text":"So, I mean, look.","start":822.675,"end":823.875,"sentiment":"neutral","sentiment_score":0.01616022875532508},{"text":"Realistically, what I what what parent wants their 18 year old to have access to that much money?","start":823.875,"end":828.27,"sentiment":"neutral","sentiment_score":-0.059787563151783414},{"text":"But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it.","start":828.33,"end":842.685,"sentiment":"neutral","sentiment_score":-0.09235294092269171},{"text":"So it's just dependent on what you're wanting to do.","start":843.225,"end":845.065,"sentiment":"neutral","sentiment_score":-0.09161877930164337},{"text":"Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids, or I I set up IDPSs and and investment accounts for my kids back when they were born.","start":845.065,"end":855.59,"sentiment":"neutral","sentiment_score":0.07311653164592949}],"sentiment":"neutral","sentiment_score":-0.027939052816044103,"channel":0,"num_words":111,"start":822.675,"end":855.59},{"sentences":[{"text":"And then, you know, in the last few years, I set up a bond.","start":856.45,"end":859.19,"sentiment":"neutral","sentiment_score":0.02239982145173209},{"text":"With tax time, sometimes, you know, where I I sold assets, I've just set up another bond.","start":860.05005,"end":866.23004,"sentiment":"neutral","sentiment_score":-0.0248465375865207},{"text":"So out of my three children, I actually have six bonds.","start":866.735,"end":869.475,"sentiment":"neutral","sentiment_score":-0.004647697237404909},{"text":"And that's just because I didn't wanna exceed that hundred and twenty five year rule.","start":871.695,"end":874.995,"sentiment":"neutral","sentiment_score":-0.16588698277870814},{"text":"125% rule.","start":877.13495,"end":878.65497,"sentiment":"neutral","sentiment_score":-0.053670819848775864}],"sentiment":"neutral","sentiment_score":-0.046704486265020856,"channel":0,"num_words":59,"start":856.45,"end":878.65497},{"sentences":[{"text":"Sorry.","start":878.65497,"end":879.15497,"sentiment":"neutral","sentiment_score":-0.06511989235877991}],"sentiment":"neutral","sentiment_score":-0.06511989235877991,"channel":0,"num_words":1,"start":878.65497,"end":879.15497},{"sentences":[{"text":"Yeah.","start":880.315,"end":880.815,"sentiment":"neutral","sentiment_score":0.007387677207589149}],"sentiment":"neutral","sentiment_score":0.007387677207589149,"channel":1,"num_words":1,"start":880.315,"end":880.815},{"sentences":[{"text":"So that is just, like, some options that we can explore Yep.","start":881.81995,"end":885.18,"sentiment":"neutral","sentiment_score":0.06896177927652995},{"text":"Absolutely.","start":885.18,"end":885.45996,"sentiment":"neutral","sentiment_score":0.23140189051628113},{"text":"You know, once we know.","start":885.74,"end":887.25995,"sentiment":"neutral","sentiment_score":0.060160869359970094},{"text":"It all just depends on what you guys do with the account now under the consent orders.","start":887.25995,"end":891.92,"sentiment":"neutral","sentiment_score":-0.04637150685576832},{"text":"Whether under the consent orders, you guys are making the decision to chop the account in half.","start":892.22,"end":899.305,"sentiment":"neutral","sentiment_score":-0.15234480447628918}],"sentiment":"neutral","sentiment_score":-0.03881595584635551,"channel":0,"num_words":52,"start":881.81995,"end":899.305},{"sentences":[{"text":"It's getting liquidated.","start":899.60504,"end":900.745,"sentiment":"neutral","sentiment_score":-0.166743333141009},{"text":"Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted.","start":901.125,"end":906.745,"sentiment":"neutral","sentiment_score":-0.0886219089681452},{"text":"Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with.","start":907.365,"end":922.63,"sentiment":"neutral","sentiment_score":-0.08488333152814044},{"text":"Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment.","start":923.415,"end":931.035,"sentiment":"negative","sentiment_score":-0.504191388686498},{"text":"The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now.","start":931.975,"end":939.6,"sentiment":"neutral","sentiment_score":-0.29808694660663604}],"sentiment":"neutral","sentiment_score":-0.22780435386706482,"channel":0,"num_words":110,"start":899.60504,"end":939.6},{"sentences":[{"text":"But, yeah, converting that IDPS and and pushing it over to the kids from an investment point of view is not gonna work No.","start":939.6,"end":946.48,"sentiment":"neutral","sentiment_score":-0.2620557301367323},{"text":"Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.","start":946.56,"end":950.66,"sentiment":"negative","sentiment_score":-0.45319602164355194}],"sentiment":"negative","sentiment_score":-0.35347065216173296,"channel":0,"num_words":46,"start":939.6,"end":950.66},{"sentences":[{"text":"So, 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a bird's eye view.","start":956.915,"end":958.035,"sentiment":"neutral","sentiment_score":-0.03709007203578949},{"text":"What would you honestly recommend then?","start":958.035,"end":960.15,"sentiment":"neutral","sentiment_score":0.022841109583775204}],"sentiment":"neutral","sentiment_score":-0.004400336606936021,"channel":1,"num_words":11,"start":956.915,"end":960.15},{"sentences":[{"text":"What is okay.","start":961.855,"end":962.975,"sentiment":"neutral","sentiment_score":0.13691781957944235},{"text":"So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess.","start":962.975,"end":968.91,"sentiment":"neutral","sentiment_score":-0.07517298564314842},{"text":"Unless you have an answer, then I'm more than comfortable for you to put it out there.","start":968.91,"end":972.13,"sentiment":"neutral","sentiment_score":-0.051154654692201054},{"text":"But what is the intention with this account, and how do you want it to be 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out","start":982.375,"end":983.035,"sentiment":"neutral","sentiment_score":0.10458804666996002}],"sentiment":"neutral","sentiment_score":0.10458804666996002,"channel":0,"num_words":2,"start":982.375,"end":983.035},{"sentences":[{"text":"yeah.","start":982.565,"end":983.065,"sentiment":"neutral","sentiment_score":0.09648862481117249}],"sentiment":"neutral","sentiment_score":0.09648862481117249,"channel":1,"num_words":1,"start":982.565,"end":983.065},{"sentences":[{"text":"between the two of you, it'll give a really clear answer because the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide.","start":983.255,"end":1017.07495,"sentiment":"neutral","sentiment_score":0.006897516804290753},{"text":"That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it.","start":1017.295,"end":1026.09,"sentiment":"neutral","sentiment_score":0.06682147085666656},{"text":"And there are a couple of options with liquidating it.","start":1026.39,"end":1028.55,"sentiment":"neutral","sentiment_score":0.07884234078228473},{"text":"Just depends on how you guys wanna do that.","start":1028.55,"end":1030.89,"sentiment":"neutral","sentiment_score":0.09061793486277263},{"text":"Or the third option is, yeah, it goes to one person over the other, and there's compensation in some way.","start":1031.35,"end":1038.5701,"sentiment":"neutral","sentiment_score":0.011264774948358536}],"sentiment":"neutral","sentiment_score":0.02455766499042511,"channel":0,"num_words":163,"start":983.255,"end":1038.5701},{"sentences":[{"text":"The the intent with this account is purely because I inherited this from my parents passing away.","start":1040.4249,"end":1046.265,"sentiment":"neutral","sentiment_score":-0.24340133412795908},{"text":"So this the contribution was from my parents.","start":1046.265,"end":1049.565,"sentiment":"neutral","sentiment_score":0.009275115560740232},{"text":"Yep.","start":1050.345,"end":1050.845,"sentiment":"neutral","sentiment_score":0.06259159743785858},{"text":"Yep.","start":1051.23,"end":1051.5499,"sentiment":"neutral","sentiment_score":-0.009021081030368803},{"text":"The intent from it, from the 150,000 that was put in there was for the kids to for them, for their future.","start":1051.5499,"end":1058.19,"sentiment":"neutral","sentiment_score":0.33082371001893823}],"sentiment":"neutral","sentiment_score":0.06669531390070915,"channel":0,"num_words":49,"start":1040.4249,"end":1058.19},{"sentences":[{"text":"So, ideally, everything is for the kids.","start":1058.19,"end":1062.4299,"sentiment":"positive","sentiment_score":0.4320730907576425},{"text":"It isn't for us.","start":1062.4299,"end":1063.47,"sentiment":"neutral","sentiment_score":-0.3146064430475235},{"text":"It isn't for me or for Hailey.","start":1063.47,"end":1065.1699,"sentiment":"negative","sentiment_score":-0.37275402886526926},{"text":"There's no benefit for either of us.","start":1066.075,"end":1068.095,"sentiment":"negative","sentiment_score":-0.41638006057058063},{"text":"The benefit is purely for the kids.","start":1068.315,"end":1070.255,"sentiment":"neutral","sentiment_score":0.17049638501235417}],"sentiment":"neutral","sentiment_score":-0.08013681462034583,"channel":0,"num_words":32,"start":1058.19,"end":1070.255},{"sentences":[{"text":"That's my intention.","start":1070.315,"end":1071.2749,"sentiment":"neutral","sentiment_score":0.1571113889416059},{"text":"That's what my parents would like because, obviously, they died and they got nothing left.","start":1071.2749,"end":1076.875,"sentiment":"neutral","sentiment_score":-0.19981476267178852},{"text":"So the intent is for the this money for the kids, purely just for the kids, not for me or Hailey.","start":1076.875,"end":1082.74,"sentiment":"neutral","sentiment_score":0.18727126575651623},{"text":"So I did see the situation would be solely one person, and it everything can just go straight to the kids.","start":1085.12,"end":1092.34,"sentiment":"neutral","sentiment_score":0.18819334428934825},{"text":"Okay.","start":1093.36,"end":1093.86,"sentiment":"neutral","sentiment_score":0.1444021463394165}],"sentiment":"neutral","sentiment_score":0.09021756859099278,"channel":0,"num_words":61,"start":1070.315,"end":1093.86},{"sentences":[{"text":"So, yeah, it's it it now it then comes down to how you guys wanna split that account.","start":1096.545,"end":1101.265,"sentiment":"neutral","sentiment_score":0.10112017144759496},{"text":"So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards.","start":1101.265,"end":1114.73,"sentiment":"neutral","sentiment_score":0.13142362280803568},{"text":"The decision gets made as to what happens for that account.","start":1115.91,"end":1120.87,"sentiment":"neutral","sentiment_score":0.20043337954716248},{"text":"Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.","start":1120.87,"end":1140.24,"sentiment":"neutral","sentiment_score":0.22130821384489535},{"text":"So that way, I guess, there's assurance for both of you that that's what the money is going to be used for.","start":1140.24,"end":1146.5,"sentiment":"positive","sentiment_score":0.3614024431868033}],"sentiment":"neutral","sentiment_score":0.20237212592363357,"channel":0,"num_words":125,"start":1096.545,"end":1146.5},{"sentences":[{"text":"But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future.","start":1147.6799,"end":1164.415,"sentiment":"neutral","sentiment_score":-0.0011994105867213674},{"text":"So, for example, say, let's just say one of the kids goes to or both the kids go to a private education and they decide to pick up the trombone, and that's like a $4 instrument probably.","start":1164.415,"end":1174.85,"sentiment":"neutral","sentiment_score":0.07703469421815227},{"text":"You know?","start":1176.43,"end":1176.83,"sentiment":"neutral","sentiment_score":-0.01666834205389023},{"text":"And the 4 grand's not sitting there and money needs to be accessed to to fund that.","start":1176.83,"end":1180.93,"sentiment":"neutral","sentiment_score":-0.07676662592326894},{"text":"That can be withdrawn from the child bond.","start":1181.15,"end":1183.775,"sentiment":"neutral","sentiment_score":-0.04407013300806284}],"sentiment":"neutral","sentiment_score":0.010141099273406584,"channel":0,"num_words":109,"start":1147.6799,"end":1183.775},{"sentences":[{"text":"It's just, I guess, it's dependent on what you guys specifically want.","start":1184.155,"end":1189.115,"sentiment":"neutral","sentiment_score":-0.020236620291446645},{"text":"Like, the money came from, I guess, Ben's family.","start":1189.115,"end":1191.8351,"sentiment":"neutral","sentiment_score":-0.09618265264564091},{"text":"So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial 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IDPS,","start":1205.89,"end":1206.77,"sentiment":"neutral","sentiment_score":-0.07944003492593765}],"sentiment":"neutral","sentiment_score":-0.07944003492593765,"channel":0,"num_words":3,"start":1205.89,"end":1206.77},{"sentences":[{"text":"yeah.","start":1206.295,"end":1206.795,"sentiment":"neutral","sentiment_score":-0.07692819833755493}],"sentiment":"neutral","sentiment_score":-0.07692819833755493,"channel":1,"num_words":1,"start":1206.295,"end":1206.795},{"sentences":[{"text":"but same thing.","start":1206.77,"end":1207.67,"sentiment":"neutral","sentiment_score":-0.05675032859047254}],"sentiment":"neutral","sentiment_score":-0.05675032859047254,"channel":0,"num_words":3,"start":1206.77,"end":1207.67},{"sentences":[{"text":"Yeah.","start":1208.935,"end":1209.435,"sentiment":"neutral","sentiment_score":-0.02333972230553627}],"sentiment":"neutral","sentiment_score":-0.02333972230553627,"channel":1,"num_words":1,"start":1208.935,"end":1209.435},{"sentences":[{"text":"Or whether, as I said, we it gets split in half.","start":1209.97,"end":1213.1901,"sentiment":"neutral","sentiment_score":-0.033123499459841034},{"text":"Half goes to Hailey, half goes to Ben.","start":1213.505,"end":1215.525,"sentiment":"neutral","sentiment_score":-0.009838310943450779},{"text":"Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence.","start":1215.5851,"end":1226.805,"sentiment":"neutral","sentiment_score":-0.16388879012730387},{"text":"And it's realistically, it can be an unfair split sometimes.","start":1227.025,"end":1231.05,"sentiment":"neutral","sentiment_score":-0.26773913353681567},{"text":"It can be that more assets throw to one over the 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lawyer.","start":1247.0651,"end":1252.365,"sentiment":"positive","sentiment_score":0.5061669007820242}],"sentiment":"neutral","sentiment_score":0.25263268834290403,"channel":0,"num_words":48,"start":1233.6901,"end":1252.365},{"sentences":[{"text":"Yep.","start":1253.385,"end":1253.885,"sentiment":"neutral","sentiment_score":0.17797963321208954},{"text":"No.","start":1253.9451,"end":1254.105,"sentiment":"neutral","sentiment_score":0.13835199177265167},{"text":"That absolutely okay.","start":1254.105,"end":1255.29,"sentiment":"neutral","sentiment_score":0.3032067120075226},{"text":"Did you both have any questions at all with regards to the account or where you wanna like, any any questions?","start":1256.25,"end":1263.79,"sentiment":"neutral","sentiment_score":0.11404010600277356},{"text":"No.","start":1265.05,"end":1265.29,"sentiment":"neutral","sentiment_score":-0.11487168073654176}],"sentiment":"neutral","sentiment_score":0.1298489743084819,"channel":0,"num_words":27,"start":1253.385,"end":1265.29},{"sentences":[{"text":"Well,","start":1265.075,"end":1265.315,"sentiment":"neutral","sentiment_score":-0.06153672933578491}],"sentiment":"neutral","sentiment_score":-0.06153672933578491,"channel":1,"num_words":1,"start":1265.075,"end":1265.315},{"sentences":[{"text":"No.","start":1265.29,"end":1265.53,"sentiment":"neutral","sentiment_score":-0.1862368881702423}],"sentiment":"neutral","sentiment_score":-0.1862368881702423,"channel":0,"num_words":1,"start":1265.29,"end":1265.53},{"sentences":[{"text":"I think","start":1265.315,"end":1265.715,"sentiment":"neutral","sentiment_score":-0.18522290140390396}],"sentiment":"neutral","sentiment_score":-0.18522290140390396,"channel":1,"num_words":2,"start":1265.315,"end":1265.715},{"sentences":[{"text":"No","start":1265.53,"end":1265.77,"sentiment":"neutral","sentiment_score":-0.30937620997428894}],"sentiment":"neutral","sentiment_score":-0.30937620997428894,"channel":0,"num_words":1,"start":1265.53,"end":1265.77},{"sentences":[{"text":"as","start":1265.715,"end":1265.875,"sentiment":"negative","sentiment_score":-0.35454729199409485}],"sentiment":"negative","sentiment_score":-0.35454729199409485,"channel":1,"num_words":1,"start":1265.715,"end":1265.875},{"sentences":[{"text":"more.","start":1265.77,"end":1266.27,"sentiment":"negative","sentiment_score":-0.3992440402507782}],"sentiment":"negative","sentiment_score":-0.3992440402507782,"channel":0,"num_words":1,"start":1265.77,"end":1266.27},{"sentences":[{"text":"it stands, it just keeps going as is till we obviously make a decision.","start":1265.875,"end":1270.3301,"sentiment":"neutral","sentiment_score":-0.3146669343113899},{"text":"I mean, I do because this is recorded.","start":1272.15,"end":1274.09,"sentiment":"neutral","sentiment_score":-0.029713192954659462},{"text":"I have obviously","start":1274.9501,"end":1275.85,"sentiment":"neutral","sentiment_score":-0.01029826452334722}],"sentiment":"neutral","sentiment_score":-0.18695749670267106,"channel":1,"num_words":25,"start":1265.875,"end":1275.85},{"sentences":[{"text":"Yep.","start":1275.385,"end":1275.885,"sentiment":"neutral","sentiment_score":0.012262968346476557}],"sentiment":"neutral","sentiment_score":0.012262968346476557,"channel":0,"num_words":1,"start":1275.385,"end":1275.885},{"sentences":[{"text":"contributed to that account previously, like, for a for about at least six months with individual deposits.","start":1275.91,"end":1282.495,"sentiment":"neutral","sentiment_score":-0.029553258681998533},{"text":"Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off.","start":1282.495,"end":1289.615,"sentiment":"neutral","sentiment_score":-0.1951367211341858},{"text":"But as Ben said, he wanted it changed, and I respect that.","start":1289.615,"end":1294.5599,"sentiment":"neutral","sentiment_score":0.15612890323003134},{"text":"And it can go to the kids, and that's what we agree now.","start":1294.5599,"end":1297.12,"sentiment":"neutral","sentiment_score":0.20111237552303535},{"text":"But his parents there was nothing in writing from his parents.","start":1297.12,"end":1301.12,"sentiment":"neutral","sentiment_score":-0.1858681379394098}],"sentiment":"neutral","sentiment_score":-0.03765852849643964,"channel":1,"num_words":78,"start":1275.91,"end":1301.12},{"sentences":[{"text":"That's just the wishes that changed that unfolded.","start":1301.12,"end":1303.46,"sentiment":"neutral","sentiment_score":-0.09551195614039898},{"text":"Yeah.","start":1306.64,"end":1307.04,"sentiment":"neutral","sentiment_score":0.07766313850879669},{"text":"So","start":1307.04,"end":1307.54,"sentiment":"neutral","sentiment_score":0.1098463013768196}],"sentiment":"neutral","sentiment_score":-0.05765862092375755,"channel":1,"num_words":10,"start":1301.12,"end":1307.54},{"sentences":[{"text":"That's all fine.","start":1307.51,"end":1308.23,"sentiment":"neutral","sentiment_score":0.23682436347007751},{"text":"Look.","start":1308.23,"end":1308.47,"sentiment":"neutral","sentiment_score":0.09680747985839844},{"text":"We're not gonna continue this, so I'm happy to end the conversation now and take this up with our own advisers.","start":1308.47,"end":1315.9299,"sentiment":"neutral","sentiment_score":0.12359133682080678}],"sentiment":"neutral","sentiment_score":0.13610794574022292,"channel":0,"num_words":25,"start":1307.51,"end":1315.9299},{"sentences":[{"text":"thank you.","start":1317.225,"end":1318.0449,"sentiment":"positive","sentiment_score":0.4228228032588959}],"sentiment":"positive","sentiment_score":0.4228228032588959,"channel":1,"num_words":2,"start":1317.225,"end":1318.0449},{"sentences":[{"text":"Absolutely.","start":1317.645,"end":1318.145,"sentiment":"neutral","sentiment_score":0.1780475527048111},{"text":"Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund?","start":1318.765,"end":1327.505,"sentiment":"neutral","sentiment_score":-0.10806321504060179},{"text":"Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200?","start":1328.125,"end":1346.8401,"sentiment":"neutral","sentiment_score":-0.043003090706310775}],"sentiment":"neutral","sentiment_score":-0.06367946109837956,"channel":0,"num_words":90,"start":1317.645,"end":1346.8401},{"sentences":[{"text":"Yeah.","start":1347.975,"end":1348.35,"sentiment":"neutral","sentiment_score":0.20308011770248413},{"text":"That's","start":1348.6699,"end":1349.1699,"sentiment":"positive","sentiment_score":0.4513862729072571}],"sentiment":"neutral","sentiment_score":0.3272331953048706,"channel":1,"num_words":2,"start":1347.975,"end":1349.1699},{"sentences":[{"text":"Cool.","start":1352.0851,"end":1352.5651,"sentiment":"positive","sentiment_score":0.5242815017700195},{"text":"Ben, were you happy with that?","start":1352.5651,"end":1354.025,"sentiment":"positive","sentiment_score":0.3721482108036677},{"text":"Yeah.","start":1354.3251,"end":1354.5651,"sentiment":"neutral","sentiment_score":0.3146079182624817},{"text":"That's fine.","start":1354.5651,"end":1355.305,"sentiment":"positive","sentiment_score":0.43184368312358856},{"text":"Perfect.","start":1356.005,"end":1356.405,"sentiment":"positive","sentiment_score":0.7071194052696228}],"sentiment":"positive","sentiment_score":0.4220532233064825,"channel":0,"num_words":11,"start":1352.0851,"end":1356.405},{"sentences":[{"text":"I","start":1356.405,"end":1356.5651,"sentiment":"positive","sentiment_score":0.5925701260566711}],"sentiment":"positive","sentiment_score":0.5925701260566711,"channel":0,"num_words":1,"start":1356.405,"end":1356.5651},{"sentences":[{"text":"fine.","start":1356.4299,"end":1356.9299,"sentiment":"positive","sentiment_score":0.4098215103149414}],"sentiment":"positive","sentiment_score":0.4098215103149414,"channel":1,"num_words":1,"start":1356.4299,"end":1356.9299},{"sentences":[{"text":"will get that change happening tonight.","start":1356.5651,"end":1358.1051,"sentiment":"positive","sentiment_score":0.6496243377526602}],"sentiment":"positive","sentiment_score":0.6496243377526602,"channel":0,"num_words":6,"start":1356.5651,"end":1358.1051},{"sentences":[{"text":"Thank you.","start":1359.23,"end":1360.0499,"sentiment":"positive","sentiment_score":0.7580880522727966}],"sentiment":"positive","sentiment_score":0.7580880522727966,"channel":1,"num_words":2,"start":1359.23,"end":1360.0499},{"sentences":[{"text":"Thank you so much for both of your time.","start":1360.66,"end":1362.18,"sentiment":"positive","sentiment_score":0.8241190711657206},{"text":"I really appreciate it, and I will leave everything for the your two advisers to discuss with you guys independently.","start":1362.18,"end":1367.9601,"sentiment":"positive","sentiment_score":0.6730966046452522},{"text":"And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that.","start":1368.5801,"end":1375.365,"sentiment":"positive","sentiment_score":0.5380777442455291},{"text":"Okay?","start":1375.365,"end":1375.865,"sentiment":"positive","sentiment_score":0.34142762422561646}],"sentiment":"positive","sentiment_score":0.6304068175229159,"channel":0,"num_words":55,"start":1360.66,"end":1375.865},{"sentences":[{"text":"Thank you.","start":1376.5669,"end":1377.3069,"sentiment":"positive","sentiment_score":0.6387799680233002}],"sentiment":"positive","sentiment_score":0.6387799680233002,"channel":1,"num_words":2,"start":1376.5669,"end":1377.3069},{"sentences":[{"text":"Okay.","start":1376.885,"end":1377.385,"sentiment":"neutral","sentiment_score":0.3189724087715149},{"text":"Bye.","start":1377.605,"end":1378.105,"sentiment":"positive","sentiment_score":0.3832390308380127},{"text":"Thanks, guys.","start":1378.485,"end":1379.125,"sentiment":"positive","sentiment_score":0.7363985776901245},{"text":"Have a good day.","start":1379.125,"end":1380.025,"sentiment":"positive","sentiment_score":0.7105578780174255}],"sentiment":"positive","sentiment_score":0.6271550133824348,"channel":0,"num_words":8,"start":1376.885,"end":1380.025},{"sentences":[{"text":"You","start":1380.1669,"end":1380.4069,"sentiment":"positive","sentiment_score":0.4647574126720429}],"sentiment":"positive","sentiment_score":0.4647574126720429,"channel":1,"num_words":1,"start":1380.1669,"end":1380.4069},{"sentences":[{"text":"You","start":1380.245,"end":1380.485,"sentiment":"positive","sentiment_score":0.48311883211135864}],"sentiment":"positive","sentiment_score":0.48311883211135864,"channel":0,"num_words":1,"start":1380.245,"end":1380.485},{"sentences":[{"text":"too.","start":1380.4069,"end":1380.9069,"sentiment":"positive","sentiment_score":0.3809032440185547}],"sentiment":"positive","sentiment_score":0.3809032440185547,"channel":1,"num_words":1,"start":1380.4069,"end":1380.9069},{"sentences":[{"text":"too.","start":1380.485,"end":1380.725,"sentiment":"neutral","sentiment_score":0.30848264694213867},{"text":"Bye.","start":1380.725,"end":1381.225,"sentiment":"neutral","sentiment_score":0.2104510068893433}],"sentiment":"neutral","sentiment_score":0.25946682691574097,"channel":0,"num_words":2,"start":1380.485,"end":1381.225},{"sentences":[{"text":"Bye.","start":1380.9669,"end":1381.4669,"sentiment":"neutral","sentiment_score":-0.10749862343072893}],"sentiment":"neutral","sentiment_score":-0.10749862343072893,"channel":1,"num_words":1,"start":1380.9669,"end":1381.4669}]},"summary":{"result":"success","short":"The OQ representative explains that the IDPS investment account is 50 44% owners and is being liquidated and turned into cash to put it in children's names. The consent orders do not have specific requirements to prove the intention of liquidating the account, but rather dictate what the account holder wants to do. The account is tax-earning for the children, and withdrawing the money from the bond is not affected by taxable income. The process of transferring the account to children is discussed, and the account will be split into a certain amount to avoid exceeding the 125% rule. The decision will be made based on the financial situation and parties' preferences. The account will be transferred to children and the switch will be confirmed by the advisers."},"intents":{"segments":[{"text":"The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be, Yeah.","start_word":720,"end_word":747,"intents":[{"intent":"Evaluate consent orders and child bond options","confidence_score":0.0008099662}]},{"text":"And then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben, $50 as Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just less for you guys to independently pay those taxes.","start_word":1051,"end_word":1115,"intents":[{"intent":"Split tax payments","confidence_score":0.0006998136}]},{"text":"So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that.","start_word":1161,"end_word":1206,"intents":[{"intent":"Set up child bond","confidence_score":0.0075069615}]},{"text":"It's a very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult basically trustee for that account.","start_word":1405,"end_word":1435,"intents":[{"intent":"Set up and protect accounts","confidence_score":0.00051678316},{"intent":"Set up and protect accounts","confidence_score":0.018472612}]},{"text":"It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has. And then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen.","start_word":1473,"end_word":1554,"intents":[{"intent":"Set up a separate account","confidence_score":0.023339305}]},{"text":"But if you see out the ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start_word":1612,"end_word":1657,"intents":[{"intent":"Determine the age of the child","confidence_score":0.013718968}]},{"text":"The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder. The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account.","start_word":1675,"end_word":1723,"intents":[{"intent":"Transfer funds to the child","confidence_score":0.02237879}]},{"text":"Nor Capital Gains.","start_word":1883,"end_word":1885,"intents":[{"intent":"Set up and ensure taxable income","confidence_score":0.0021577983}]},{"text":"So what would be or is there a monthly contribution that is needed to be made?","start_word":1893,"end_word":1908,"intents":[{"intent":"Set up monthly contributions","confidence_score":0.05448959}]},{"text":"Realistically, what I what what parent wants their 18 year old to have access to that much money?","start_word":2238,"end_word":2255,"intents":[{"intent":"Evaluate child's access","confidence_score":0.0033973781}]},{"text":"Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment.","start_word":2520,"end_word":2543,"intents":[{"intent":"Convert idps to kids","confidence_score":0.08435091}]},{"text":"So, I So mean, you I guess guys are looking at You're our the situation same. from a bird's eye view. What would you honestly recommend then? What is okay.","start_word":2614,"end_word":2643,"intents":[{"intent":"Understand situation","confidence_score":0.07212712}]},{"text":"What would you honestly recommend then?","start_word":2635,"end_word":2640,"intents":[{"intent":"Evaluate preference","confidence_score":0.000008671737}]},{"text":"But what is the intention with this account, and how do you want it to be split and used for?","start_word":2686,"end_word":2705,"intents":[{"intent":"Discuss financial tie","confidence_score":0.0023243593}]},{"text":"That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that. Or the third option is, yeah, it goes to one person over the other, and there's compensation in some way.","start_word":2816,"end_word":2876,"intents":[{"intent":"Discuss compensation options","confidence_score":0.34334195}]},{"text":"So this the contribution was from my parents. Yep. Yep.","start_word":2894,"end_word":2903,"intents":[{"intent":"Assess contribution","confidence_score":0.0021586723}]},{"text":"So, yeah, it's it it now it then comes down to how you guys wanna split that account.","start_word":3019,"end_word":3036,"intents":[{"intent":"Split account","confidence_score":0.46278518}]},{"text":"So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account.","start_word":3037,"end_word":3081,"intents":[{"intent":"Obtain consent","confidence_score":0.06945852}]},{"text":"Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.","start_word":3082,"end_word":3121,"intents":[{"intent":"Write consent order","confidence_score":0.004692226}]},{"text":"So, for example, say, let's just say one of the kids goes to or both the kids go to a private education and they decide to pick up the trombone, and that's like a $4 instrument probably. You know? And the 4 grand's not sitting there and money needs to be accessed to to fund that. That can be withdrawn from the child bond.","start_word":3189,"end_word":3252,"intents":[{"intent":"Set up child bond","confidence_score":0.0019867294}]},{"text":"And the 4 grand's not sitting there and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just, I guess, it's dependent on what you guys specifically want. Like, the money came from, I guess, Ben's family.","start_word":3228,"end_word":3273,"intents":[{"intent":"Confirm money allocation","confidence_score":0.00011990618}]},{"text":"So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Yeah.","start_word":3275,"end_word":3298,"intents":[{"intent":"Confirm plan","confidence_score":0.00025785802}]}]},"sentiments":{"segments":[{"text":"Hello? Speaking. Hi, Hailey. It's Larissa from OQ. How are you going? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.2064957171678543},{"text":"Good. Thanks.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.590218722820282},{"text":"Sorry. I've checked my email. Did anything come through? No. No. That's okay.","start_word":15,"end_word":27,"sentiment":"neutral","sentiment_score":0.06120947375893593},{"text":"I actually figured out we could just do a three way phone call, and it was it works out nicely.","start_word":28,"end_word":47,"sentiment":"positive","sentiment_score":0.4190699756145478},{"text":"Oh, okay.","start_word":48,"end_word":49,"sentiment":"neutral","sentiment_score":0.3150770664215088},{"text":"Too good.","start_word":50,"end_word":51,"sentiment":"positive","sentiment_score":0.5076459646224976},{"text":"So I've got Veronica, who is Ben's adviser here. And then what we're gonna do is we're I've got Ben on the other line. We're just gonna merge the calls, and what Yeah. we're going to do from there is just have a general conversation about the IDPS only Yeah. Yeah. and about possible options we have available to us Yeah. Yeah. and just kind of be all in it together. Okay? Yeah.","start_word":52,"end_word":124,"sentiment":"neutral","sentiment_score":0.09691732376813889},{"text":"All good. All good.","start_word":125,"end_word":128,"sentiment":"positive","sentiment_score":0.4341062009334564},{"text":"I do apologize if I get interrupted with the kids. So fine. Just the nature. All of us have kids, but we all understand. Alright.","start_word":129,"end_word":153,"sentiment":"neutral","sentiment_score":-0.05179830640554428},{"text":"Too good.","start_word":154,"end_word":155,"sentiment":"positive","sentiment_score":0.3460250794887543},{"text":"Perfect. Alright. Well, just to remind you, our calls are recorded, and what I'm gonna do is I'm gonna merge this call now. Yeah.","start_word":156,"end_word":179,"sentiment":"neutral","sentiment_score":0.06641824543476105},{"text":"Thank you.","start_word":180,"end_word":181,"sentiment":"positive","sentiment_score":0.35085129737854004},{"text":"Cool. Alright. Ben and Hailey, you're on the line. Larissa and Veronica here on this side. Hey, Okay. guys. Perfect. So what I wanted to, I guess, talk about was the own the only thing I wanted to talk about was the IDPS or the, basically, the investment account because that is what is in joint names. Now as it currently stands, we are 5050% owners. Now I wanna clarify that I am not 100% across both of your files from a personal perspective, so I am talking general in nature only. Now currently, it has I have been informed that you are going through consent orders, and I guess the IDPS account is a little bit up in the air with respect to what is happening with it moving forward. Is that correct? Yes. Not really. Okay.","start_word":182,"end_word":319,"sentiment":"neutral","sentiment_score":0.020749827846884727},{"text":"I mean, I'm I'm I'm more than happy for you to clarify.","start_word":320,"end_word":331,"sentiment":"positive","sentiment_score":0.4644533693790436},{"text":"yeah. From the understanding that we've tried to come to some kind of agreement with that's yet to be signed is that the IDPS will the the plan I would like anyway that I have proposed with Ben was from a tax point of view where as it currently stands, it is obviously in our names. However, the plan within the next twelve months upon signing consent orders would be that it goes I am proposing that it goes into the kids' names the tax purposes with us as the managers of it. And after that, we haven't really come up to yeah. We haven't chosen where we're gonna if we're gonna change to put it in children's bond or anything like that. There hasn't been a full on discussion about that. It was just my proposal. And my advice from both Tommy and legal advice that it is best to not have it at least in my name for tax purposes. Yep. That was that has been relayed to Ben Whether I don't know. He can speak, obviously, now to see if that was his understanding or not or if he's got other advice, that's okay.","start_word":332,"end_word":528,"sentiment":"neutral","sentiment_score":0.004354925362894378},{"text":"But that's kind of what I at least thought we were progressing towards.","start_word":529,"end_word":541,"sentiment":"positive","sentiment_score":0.34377703070640564},{"text":"So from from a from a general perspective only, with the account as it currently stands, 5050% ownership. Yes. If we realistically, if you are to change the ownership structure, so if we were to liquidate this and turn this into cash to then, for, like, for example, say, move the money into a bond, like a a child bond or whatever the case may be or a bond in your own names, it will attract CGT. Oh, I get that for now. Like, once that happens, that's understandable.","start_word":542,"end_word":630,"sentiment":"neutral","sentiment_score":0.1514926701784134},{"text":"Yeah. Yes. It's just the long term moving forward. Yeah.","start_word":631,"end_word":640,"sentiment":"positive","sentiment_score":0.4694040715694427},{"text":"So, realistically, with this account, I guess, with the consent orders, you you could determine under the consent orders right now that it is you know, that we do look to liquidate it or that, you know, in six months, in twelve months, in whatever that it is liquidated or the consent orders could stipulate that you wanna keep it as 5050% ownership or that you relinquish it, you know, to either either party, whatever the case may be. The consent orders don't have to be specific in nature to, I guess, stipulate what you're going to do with it after. It just needs to be, Yeah. I guess, directed to what's actually the intention with the account. And I under well, correct. Based on what Hailey just said, the intention is for that money to be for the kids. Is that correct, Sam? Yes. That's correct. Yeah. So I guess I know that Hailey's had this conversation with Tommy, who is her normal adviser. He's actually on paternity leave right now. We just had a little girl himself. But with with, I guess, what Tommy kind of, I guess, just touched on or proposed was because Hailey had raised that the accounts were or the money was there to be set aside for the kids, that we look at possibly going through and doing what's called a child bond. And the reason that was discussed was because from a tax perspective, that money is then received to the children as tax paid. And it just works a little bit better for yourselves in regards to the assessment of that of of the funds sitting there because, like, the money is not generally accessible unless Mom? it's for the children for very specific reasons. So with the bond that was discussed as a idea or a concept for future consideration, and it's obviously consideration that you would both have to have, is that there's, I guess, a few different ways that it could be implemented, I e, whether you guys decided to just liquidate the investment account. 50% goes to each of you. Whatever tax implications come from that, like, that sale is paid out in whatever means you want that to be paid out in. So for to to explain that, I guess, is that you could liquidate the money. The money goes into a pool, and then whatever tax needs to be paid from that pool is paid. And then whatever's left over post the pay of tax is split fifty fifty. Or, alternatively, you just basically go you know, if there's a $100,000 in the account, it's split $50 as Ben, $50 as Hailey's, and whatever tax you guys have to pay come out comes out of those funds, and it it's just less for you guys to independently pay those taxes. And then everything is then liquid, and Ben is able to deal with Veronica going forward as to what he wants to do with that money.","start_word":641,"end_word":1141,"sentiment":"neutral","sentiment_score":0.06746188493188984},{"text":"And Hailey's obviously able to deal with Tommy going forward to whatever she wants to do with that money.","start_word":1142,"end_word":1160,"sentiment":"positive","sentiment_score":0.4112691283226013},{"text":"So if that may be, for example, say that Hailey wants to set up the child bond, that money is then put away for the children, and the children are able to, in ten years' time, access that money, then they are able to do that. I know the kids are still quite young. So in ten years' time, probably not gonna be looking to touch that money, but it's over ten like, ten years plus for those child bonds.","start_word":1161,"end_word":1240,"sentiment":"neutral","sentiment_score":0.11335913091897964},{"text":"Thank you for that.","start_word":1241,"end_word":1244,"sentiment":"positive","sentiment_score":0.5423235297203064},{"text":"That's okay. I completely understand that. It's I think I don't know. See what Ben thinks about that. I don't know what he So I I know do Ben's intention is the oh, you go. kids so do the kids need to pay tax on that if it goes to the across to the child one? Do do Yeah. The kids No. So how it happens is do you remember back in the day you'd be old enough. Do you remember back in the day where you had, like, your Commonwealth, DollarMite accounts? Yep. And you had the account, and it was in your name, but mom and dad, mom and dad were basically the trustees of that account? Yep. And mom and dad had to sign off on everything for that money to come out. Uh-huh. Same kind of concept. So with the child builder, is it a very spec specific I am tripping over that word today. It's a very specific account that is set up under the child's name, but depending on how you guys set it up, there is an adult basically trustee for that account. So, theoretically, you guys could set it up that you guys are both the trustees or and, realistically, based on the fact that you guys are divorcing, it is and this is my personal opinion, not financial advice. It is gonna be probably a little bit better for the two of you to possibly have you know, if Ben wants to set up an account for the two kids and Ben is the trustee for each of the two accounts he has. And then Hailey can set up an account for the two kids, and she's the trustee of the, you know, accounts that she has. In that way, they're separate and whatever needs to happen with those accounts happen. Because with those accounts, theoretically speaking, you are as the as the owner, the beneficial owner, you are able to touch the money. However, if you touch the money within the ten year period, that in that that money that you withdraw is treated as income and for tax purposes, that then adds to your overall income. But if you see out the ten years and the age of the child so what you do when you set up the account is you basically set an age that you want the child to take over the account, generally anywhere between 18 to 25.","start_word":1245,"end_word":1657,"sentiment":"neutral","sentiment_score":0.0071327762619635094},{"text":"So let's just say at 18, you're happy for the kids to get access to that account.","start_word":1658,"end_word":1674,"sentiment":"positive","sentiment_score":0.5408666729927063},{"text":"The account then moves from you as, I guess, the signatory trustee beneficial owner over to the the child as the full fledged account holder.","start_word":1675,"end_word":1699,"sentiment":"neutral","sentiment_score":0.3242392838001251},{"text":"The child is then able to withdraw that money, and let's just say that's now $50 worth of worth of funds in that account. They are able to play with that money as much as they want without paying any tax on the draw withdrawings.","start_word":1700,"end_word":1744,"sentiment":"positive","sentiment_score":0.48862534761428833},{"text":"So it the accounts are what is called tax paid after ten years. And with the kids being so young, it means that during these, I guess, summative years of their life, while, you know, they're not earning an income, while they can't earn an income, you're able to invest for them.","start_word":1745,"end_word":1796,"sentiment":"neutral","sentiment_score":0.10900434106588364},{"text":"And then by the time they do get to earning age where they have a job and, you know, maybe they not might need a little bit of a boost or, you know, they wanna go out and buy that house, have a deposit, whatever it is that you're wanting to set them up for with this money, they're able to then do that, and withdrawing the money from the bond is not going to affect their taxable income when they do go to do so.","start_word":1797,"end_word":1882,"sentiment":"positive","sentiment_score":0.4281969368457794},{"text":"Nor Capital Gains. Correct? Yes. Nor Capital Gains. Correct. Yep. So what would be or is there a monthly contribution that is needed to be made? You don't have to know. So with the accounts to set up the account, you initially set it up with under $50,000, and that's because the if you were to go through and this is gonna come down to advice with both of your advisers, but the specific product that I know Tom spoke to Haley about is a generation life bond. There are other bonds available, so I'm I'm just talking generation life right now, but there are other considerations that would be made. But with generation life, you have to have under $50,000 because generation life covers the stamp duty on anything up to 50. So if you want to put a 100 in, all you would do is put fifty first, the account opens, and then you put the another 50 in.","start_word":1883,"end_word":2043,"sentiment":"neutral","sentiment_score":0.1099327877163887},{"text":"Sounds convoluted, but it just kind of just make sure you don't pay the tax.","start_word":2044,"end_word":2058,"sentiment":"negative","sentiment_score":-0.3645607829093933},{"text":"That's what we we're trying to avoid. And then you're allowed to put up to a 125% of the previous year's contributions into the account. So year one, if you wanted to say start making a $100 a month, year two, you could then increase that to a $125 a month. Year three, that becomes whatever that number is. If you didn't put any money in, that's fine. If you stopped putting money in and then were to start putting money in, we would just work with you to make sure that we didn't the risk you you shouldn't really stop. Yeah.","start_word":2059,"end_word":2160,"sentiment":"neutral","sentiment_score":0.1599009335041046},{"text":"But the risk is is that if you if you make a lump sum contribution or you exceed that 125% rule, you start the ten year time frame again.","start_word":2161,"end_word":2189,"sentiment":"negative","sentiment_score":-0.3590063452720642},{"text":"That's all it is. It's not the end of the world, especially when the can I ask how old are the kids? I'm actually They're not they're familiar. almost six So and eight. That's fine. Six and eight. Okay. Yeah. So if you yeah. So, I mean, look. Realistically, what I what what parent wants their 18 year old to have access to that much money? But but, you know you know, the if you were to restart the ten year time frame, all you're doing is pushing out that tax paid time frame or that, you know, the period of which you want them to access it. So it's just dependent on what you're wanting to do. Realistically, like, for example's sake, and I've done it personally myself, is I set up bonds for my kids, or I I set up IDPSs and and investment accounts for my kids back when they were born. And then, you know, in the last few years, I set up a bond. With tax time, sometimes, you know, where I I sold assets, I've just set up another bond. So out of my three children, I actually have six bonds. And that's just because I didn't wanna exceed that hundred and twenty five year rule. 125% rule. Sorry. Yeah. So that is just, like, some options that we can explore Yep. Absolutely. You know, once we know. It all just depends on what you guys do with the account now under the consent orders. Whether under the consent orders, you guys are making the decision to chop the account in half. It's getting liquidated. Ben pays whatever tax Ben has to pay, and Hailey pays whatever tax she has to pay, and it's done and dusted. Whether the account's being pushed onto one person and, you know, and the others relinquishing control, it's whatever the orders that you guys propose and decide is what we would then be able to work with.","start_word":2190,"end_word":2518,"sentiment":"neutral","sentiment_score":-0.05982045829296112},{"text":"Realistically speaking, converting it over to the kids is not gonna be beneficial because kids pay a higher tax rate anyway or an investment.","start_word":2519,"end_word":2542,"sentiment":"negative","sentiment_score":-0.5028084516525269},{"text":"The bonds are treated differently because they're held by a specific bare trust, and we're not gonna get into the intricacies of that right now. But, yeah, converting that IDPS and and pushing it over to the kids from an investment point of view is not gonna work No.","start_word":2543,"end_word":2591,"sentiment":"neutral","sentiment_score":-0.27849674224853516},{"text":"Unless you don't care about how much tax they pay because they're gonna pay way more than the two of you pay.","start_word":2592,"end_word":2613,"sentiment":"negative","sentiment_score":-0.460361510515213},{"text":"So, I So mean, you I guess guys are looking at You're our the situation same. from a bird's eye view. What would you honestly recommend then? What is okay. So this this is a question that you don't have to answer, but this is a question that I'm putting as a rhetorical, I guess. Unless you have an answer, then I'm more than comfortable for you to put it out there. But what is the intention with this account, and how do you want it to be split and used for? And once you figured Well, that out yeah. between the two of you, it'll give a really clear answer because the the outcome realistically is you either hold it as it currently is, which means that you are both financially tied to each other through that account, which means that any decision on that account has to come from both of you right now, or you liquidate and split, or the third option is is that one person becomes the the owner of the account and the other person walks away and is compensated in another way or whatever happens under the under the consent orders that you guys decide. That's realistically the three options that are available is you hold and retain the account, financially tied, liquidate it, and split it. And there are a couple of options with liquidating it. Just depends on how you guys wanna do that. Or the third option is, yeah, it goes to one person over the other, and there's compensation in some way. The the intent with this account is purely because I inherited this from my parents passing away. So this the contribution was from my parents. Yep. Yep. The intent from it, from the 150,000 that was put in there was for the kids to for them, for their future.","start_word":2614,"end_word":2925,"sentiment":"neutral","sentiment_score":0.017570668861317713},{"text":"So, ideally, everything is for the kids.","start_word":2926,"end_word":2932,"sentiment":"positive","sentiment_score":0.38450562953948975},{"text":"It isn't for us.","start_word":2933,"end_word":2936,"sentiment":"neutral","sentiment_score":-0.31137460470199585},{"text":"It isn't for me or for Hailey. There's no benefit for either of us.","start_word":2937,"end_word":2950,"sentiment":"negative","sentiment_score":-0.3858557641506195},{"text":"The benefit is purely for the kids. That's my intention. That's what my parents would like because, obviously, they died and they got nothing left. So the intent is for the this money for the kids, purely just for the kids, not for me or Hailey. So I did see the situation would be solely one person, and it everything can just go straight to the kids. Okay. So, yeah, it's it it now it then comes down to how you guys wanna split that account. So in the consent orders, like, in the financial split, ultimately, the decision gets made between the two of you, whether it's through mediation, through lawyers, through submission of consent orders back and forwards. The decision gets made as to what happens for that account. Now theoretically speaking, in the consent orders, you could you could push that that money is to be invested into a very like, into a specific account in the children's names, and that could be written in the consent order.","start_word":2951,"end_word":3121,"sentiment":"neutral","sentiment_score":0.13499808311462402},{"text":"So that way, I guess, there's assurance for both of you that that's what the money is going to be used for.","start_word":3122,"end_word":3143,"sentiment":"positive","sentiment_score":0.3662564754486084},{"text":"But I guess both of you need to be aware that irrespective, if the money goes over to one person, then theoretically, after the consent orders are fulfilled and even once the bond is set up, the money can still be touched in the future. So, for example, say, let's just say one of the kids goes to or both the kids go to a private education and they decide to pick up the trombone, and that's like a $4 instrument probably. You know? And the 4 grand's not sitting there and money needs to be accessed to to fund that. That can be withdrawn from the child bond. It's just, I guess, it's dependent on what you guys specifically want. Like, the money came from, I guess, Ben's family. So whether we're happy with it going back to Ben and Ben sets up that IDPS, he is the sole trustee beneficial owner. Yeah. Sorry. Well, The bond. The that bond's not IDPS, yeah. but same thing. Yeah. Or whether, as I said, we it gets split in half. Half goes to Hailey, half goes to Ben. Again, I am talking in general terms, and I don't have a full picture of your finances or how the the split's happening and what you guys are fiscally splitting on both sides of the fence. And it's realistically, it can be an unfair split sometimes. It can be that more assets throw to one over the other. It's just a decision that has to be made in terms of what you guys are both comfortable with moving forward. Yeah. No worries.","start_word":3144,"end_word":3412,"sentiment":"neutral","sentiment_score":-0.040623677562105165},{"text":"Well, I I do appreciate your advice. I'm happy to take the rest of it offline with Vanessa and then, obviously, with my lawyer.","start_word":3413,"end_word":3436,"sentiment":"positive","sentiment_score":0.5128400921821594},{"text":"Yep. No. That absolutely okay. Did you both have any questions at all with regards to the account or where you wanna like, any any questions? No. Well, No. I think No as more. it stands, it just keeps going as is till we obviously make a decision. I mean, I do because this is recorded. I have obviously Yep. contributed to that account previously, like, for a for about at least six months with individual deposits. Like, I know it's not much, and it's very clear that the intentions were actually not for the kids initially, and that was signed off. But as Ben said, he wanted it changed, and I respect that. And it can go to the kids, and that's what we agree now. But his parents there was nothing in writing from his parents. That's just the wishes that changed that unfolded. Yeah. So That's all fine. Look. We're not gonna continue this, so I'm happy to end the conversation now and take this up with our own advisers.","start_word":3437,"end_word":3609,"sentiment":"neutral","sentiment_score":-0.015226212330162523},{"text":"thank you.","start_word":3610,"end_word":3611,"sentiment":"positive","sentiment_score":0.3916301429271698},{"text":"Absolutely. Can I the last point I wanted to touch on, and I'm so sorry, is both of you have had conversations with regards to the current assets that sit in the fund? Because we don't have a clear direction on what's happening with the fund right now, and it could take two weeks, two months, whatever, can I get confirmation from both of you that you're both happy to swap the Bennelong asset that sits within that account now over to a different asset, which is the a 200? Yeah.","start_word":3612,"end_word":3702,"sentiment":"neutral","sentiment_score":-0.06534186349465297},{"text":"That's Cool. Ben, were you happy with that?","start_word":3703,"end_word":3710,"sentiment":"positive","sentiment_score":0.4057665765285492},{"text":"Yeah.","start_word":3711,"end_word":3711,"sentiment":"neutral","sentiment_score":0.3146079182624817},{"text":"That's fine. Perfect. I fine. will get that change happening tonight. Thank you. Thank you so much for both of your time. I really appreciate it, and I will leave everything for the your two advisers to discuss with you guys independently. And if in the future you guys do wanna come together and have another conversation, I'm more than happy to become a mediator between that. Okay? Thank you.","start_word":3712,"end_word":3781,"sentiment":"positive","sentiment_score":0.6146500706672668},{"text":"Okay.","start_word":3782,"end_word":3782,"sentiment":"neutral","sentiment_score":0.3189724087715149},{"text":"Bye. Thanks, guys. Have a good day. You You too.","start_word":3783,"end_word":3792,"sentiment":"positive","sentiment_score":0.5912311673164368},{"text":"too. Bye. Bye.","start_word":3793,"end_word":3795,"sentiment":"neutral","sentiment_score":0.22726821899414065}],"average":{"sentiment":"neutral","sentiment_score":0.062392005316601135}}}}