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And some of our digital phone system, it calls from different numbers and things like that. So I thought I'd just leave you a voice message, and thank you for calling back. No worries at all. Is it still a good time to have a chat about this transition strategy? Yeah. So I was going through the notes on the file, and and we'd had a conversation before about when you turned 60. Obviously, happy birthday for starters. I hope you had a good sixth year. Did you get spoiled and looked after? Was it monumental? Little bit. Fair enough. Fair enough. Now because you've hit your preservation age, you've got access to that new transition strategy. So what I thought I would do to start with is just quickly recap kind of what it is, and then we'll kinda see what we may be able to do and update some of your strategies. Is that alright? Perfect. So when you hit 60, you can essentially access part of your super now in a transition pension. So, normally, what happens is you retire, you put your super into a pension, you can start taking money out. But if you're still working and you've hit preservation age, you can access a transition pension, which lets you take out up to 10% of your super. Does that make sense? Now the whole point behind this strategy is if you can kind of put money into your super and pull it back out again, there's a tax difference. So because of your marginal tax rate being, say, 32 or 37%, you can put money into your super. It's only taxed 15. So what it really means is you can put, like, a $100 in. It only costs you $70 in your take home pay, but then you can pull $70 out of your super to top your income back up again. So it kind of gets you the same income, but that little tax difference goes in to boost up your super. Does that make sense? Cool. Now just to kind of check a couple details with you, with the cleaning business and everything, I wanted to just clarify a couple of things because my notes are a little bit new system. It's a little bit janky. You're essentially are you employed by your own business, or are you just kind of like a sole trader? Sole trader. Now with your q super account, are you making contributions? Yep. So when it comes to, like, contributions themselves, you would normally pull aside, I guess, your income. And are you kind of putting aside for income tax each month and quarter? Yes. 100%. So one of the things I'll check first is, are you wanting to do any kind of contributions into super just in general? Yeah. We usually work it in in tandem, and so there's a there's a couple of really cool options for you. Now when you go to put the money into super, you know how normally your employer would kind of pay it into your account in the background? Well, if you're a sole trader, you've got to kind of make those transactions yourself through, like, BPAY or EFT. So because you've got 237,000 in your hub account and a little bit over in q super, that means that we could safely pull out, say, even up to $23,000 we could get out for this contribution strategy. Now what I'm kind of thinking, Jeanette, is if nothing's currently going in, this financial year, you've got a a cap of $30,000, and next financial year, the concessional cap goes up to 32 and a half. So that's the maximum that you can put in just in total. Whether it's pulling money out, putting it back in again, we can't go over that much. So because if I give you a bit of an idea of a maximum maximum strategy, let's say just for argument's sake that you have $30,000 laying around. If you put in $30,000 into your super, based on how much tax you would have to pay on your income tax, you could pretty much pull out 19,000 from the super account. And once you've paid all your taxes and everything, it would kind of all iron out in the washes the same amount. And there'd be an extra $10 sitting in the super almost minus a bit of tax. K? Now I wanna kind of be gauged by you a little bit in terms of how much you've actually got sitting in business bank accounts, pulling aside your tax off to the side. Yeah. Yeah. So Exactly right. So I'll have to be a bit careful with what I recommend because I wanna make sure it works for your cash flow, and I wanna kind of go overboard trying to get you the maximum benefit if it's gonna really mess with your week to week. So we can definitely start smaller as well. How consistent is kind of the income and invoicing for you? Does it fluctuate how wildly does it fluctuate? Yeah. Okay. Yep. Yeah. And when we had your total income set at a 100 and Oh, gotcha. Okay. Do you feel like that once the end of financial year comes around that you'll be getting a bit of a a tax bill for the income tax and have to kind of pay it off over time, or do you think you'll have the money there? Okay. Perfect. Yeah. It is. And does that kind of count like a payment plan? For the year? 25 for the year. And you're paying 13 a quarter for the income tax liability? Yeah. K. Perfect. What we can do then Yep. Yeah. And that's what I was thinking. A 150 is what we kinda had total for the year, and 13 every six months gets you close to that 26. So that kind of makes a bit more sense. Yeah. A lot of things are quarterly these days, so that makes sense. K. Yeah. Yeah. No. That's fair enough. Me too. Me too. What I might do is yes. So the idea of doing a little bit of contributions makes sense even if it's small amounts, but you need to make sure that you're okay just on living and your usual tax liabilities. So that's the most important thing. One thing that we can do is I might go for a bit of a minimum strategy with you just to kind of start you off. So are you did you say you're seeing your account tomorrow? K. So what I'm thinking is would you you don't happen to have a pen and paper handy, do you? That's okay. I can always just send you a little bit of an email. What yeah? No. That's fine. This is really helpful information. So what I'm thinking is if I go for a bit of a minimum strategy because one of the things too is we need to make sure that your your super is still growing, and we don't just kind of pull it out. And then it just pulls out, and then all of a sudden it starts going down. Do you know what I mean? So one thing you can do is if I go off the minimum, let's say we had 230,000 sitting in a pension account. You pull out about 9,200 a year, which works out to be 766 a month that can come out pretty cleanly. Now if that 766 comes out, let's just say everything is rolling very well with putting aside for income tax, you could essentially put in about 900 to 1,000 a month into the super and be topped up by that 766. And then once you go to pay your income tax, you may have spent, say, $800 and gotten $7.60 back and maybe a $40 less in the pocket once all is said and done. But for that $40, you get just under a thousand dollars goes into your super account every month. No. That's totally fine. So what I'm gonna do is I'm gonna send you a little bit of an email, and I wanna split into two things. The idea of just generally putting a little bit into super even if it's $50 a week versus pulling out 760 and putting a thousand in and just seeing how that would actually go for the bookkeeping. Because if you need another three or six months until the bookkeeping's kind of smoother before we start that, that's fine. But if bookkeeping permits and you and your accountant will be able to comfortably manage that going in and out, that's really gonna help things over the next seven years. K? So we don't have to fly into it too quickly. Part of my job is to make sure that whatever we start doing is is comfortable for your life. I'm just coming up with, I think, two suitable ideas, and we just wanna see, is it practical come end of financial year? If not, do we put a pause on it for three or six months and then try and start it up maybe closer to Christmas time? K? So I'll shoot you an email, have a chat to your accountant, and then if you can just get back to me with whether this sounds practical or if you wanna put a pin in it, that would be fantastic. Can you do that for me? Amazing. Outside of that, we've already kind of got you teed up for that kind of Christmas chat to see how everything's going, bit of a biannual catch up, and we just kinda need to let the the world simmer down a little bit. All the talks of Yeah. You never know. Hopefully, they don't. Hopefully, they can sort these problems out in most other ways. But, you know, one day, that sort of thing may happen one day. But at the moment, between the the wars and talk of more more pandemics at risk, things are happening. So we just need to let let things kind of play out a little bit for this year and so we can kind of get back to growing once everything's settled down a little bit. Well, it's kind of just been bouncing up and down, up and down, up and down since you came on board, and that's pretty normal. I'm I'm really glad that you're in that balanced risk profile because if you were in high risk, you'd be negative right now. You're still sitting kind of flat, which is good. And if the usual thing happens where in a few months' time, there is a bit of settling, like, the the issues weren't resolved, but if it settles to a pattern, then the stock market tends to go back up, and then all of a sudden your soup is up seven to 10%. So that's very possible, or it kind of just stays flat for the year, and then hopefully after that, it goes up again. But the good thing for you, Jeanette, is because you've got that kind of seven years, that's usually what we call, like, a market cycle. And if you're in the middle of a crisis now, the actually, the best time for you to be having a crisis is now because five or six years of steady growth after it is kind of exactly what you need. So you'd rather have one now than in five years' time just before you retire. And then for us, that kind of means that if it happens this year, it's a bit of a buying opportunity. And if we can get some things rolling this year and next year, you stand a pretty good chance of getting some really good growth afterwards. So fingers crossed, there's no extended issues that last for eighteen months or two years. But other than that, we've got you in a nice balanced fund, so the risk isn't too crazy. When the markets go up, this portfolio has had some really good growth. I've seen some clients up 15%, which is lovely for the usual seven or eight that we're aiming for. And then it's just about getting a handle on the bookkeeping. And if you can really work with your accountant to make sure that gets smooth over the next year or so, we can do a couple little things in the background and get you going a little bit quicker. Yeah. So when we send you through some payment details, it gives you the BPA details and EFT details. And then, yep, and then you basically set up, like, a recurring transaction that pops out every month or so. And once we get to end of financial year, we basically fill in a form called a notice of intent claim form with you, which just says, hey. I put $4 in. I would like to claim that as deductible. And then that super fund sends that code off to the tax office, and then that's ready to go for your tax return. Yeah. Yeah. So I really I'll try and send you this email today. Have a chat to your accountant tomorrow. I'll send you those BPAY details just so you have them. And then the two things are, if you can maybe try and set up a small little debit in just to start with, we can give that a go. And even if you set it up for July, like, you don't have to like, okay. If you wanna do a lump sum before the end of financial year to reduce your tax, that's one thing. But if it works smoother for your cash flow just to do a regular small amount come July, that's cool too. K. So I'll put that in the email too, whether we do a lump sum or small amount. And then there's the idea of the transition strategy, which I just wanna ask your accountant if they think based on your bookkeeping whether it's practical or if we should pause. Okay? Yep. Always. Always. Except if I'm in with another client, I won't be able to help you. But I would be more than happy to liaise with with Heather, whether it's over email or a quick call afterwards or while you're there. It's just tomorrow's looking a little bit rough. Yeah. Yeah. Do you have an appointment set for tomorrow, like a time? K. I mean, I might be able to jump on the phone at about 09:30 for a few minutes or even catch them afterwards and and give them a buzz if you give permission. It depends. Like, when you go through, like, somebody's financial details, obviously, there's details that you provide to us. And if you're wanting to release like, do a release authority between two companies, that's usually in writing. But if we're just having a bit of a bit of a chat, that's okay. I'll try to be obviously careful of privacy policy and so on, but that's why I'll put a few things in an email as well. K. Alright. Any questions on that? I know we haven't kind of finalized an idea just yet. We're getting closer and closer, but any questions? Yeah. And like I said, I'm kind of cutting down to a short list of two or three ideas, and I'm just trying to refine it gradually over time until we find what clicks for you. And that's what we kind of run with. Cool. Alright. I'll actually try and write that email up to you right now straight away so you have it. And I'll put in my calendar that there might be a bit of a phone call popping through at 09:30. And I'm just gonna pop a little thing in there. And even if we do a bit of a joint joint phone call, you can put me on speakerphone or something. That would be nice. But if not, I can always kind of liaise with you guys afterwards. That's no trouble. But, yeah, I would love to have a chat with with Heather as needed. And all we're really looking for is a couple of ideas about whether she thinks it's practical or not, and then we can go from there. Sensitive. Alrighty. I will leave you to it, Jeanette. Thank you so much for taking the time with me today. And if you have any questions off that email, just let us know. But if not, I'll see if I hear from you tomorrow morning. And if not, I might get the team to do a bit of a follow-up with you next week. Lovely. Lovely. Alright. You have a fantastic day. Thank you, Jenev. 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Tommy here, senior adviser. How are you going? That's no worries at all. Yeah.\n\nYeah. And some of our digital phone system, it calls from different numbers and things like that. So I thought I'd just leave you a voice message, and thank you for calling back. No worries at all. Is it still a good time to have a chat about this transition strategy?\n\nYeah. So I was going through the notes on the file, and and we'd had a conversation before about when you turned 60. Obviously, happy birthday for starters. I hope you had a good sixth year. Did you get spoiled and looked after?\n\nWas it monumental? Little bit. Fair enough. Fair enough. Now because you've hit your preservation age, you've got access to that new transition strategy.\n\nSo what I thought I would do to start with is just quickly recap kind of what it is, and then we'll kinda see what we may be able to do and update some of your strategies. Is that alright? Perfect. So when you hit 60, you can essentially access part of your super now in a transition pension. So, normally, what happens is you retire, you put your super into a pension, you can start taking money out.\n\nBut if you're still working and you've hit preservation age, you can access a transition pension, which lets you take out up to 10% of your super. Does that make sense? Now the whole point behind this strategy is if you can kind of put money into your super and pull it back out again, there's a tax difference. So because of your marginal tax rate being, say, 32 or 37%, you can put money into your super. It's only taxed 15.\n\nSo what it really means is you can put, like, a $100 in. It only costs you $70 in your take home pay, but then you can pull $70 out of your super to top your income back up again. So it kind of gets you the same income, but that little tax difference goes in to boost up your super. Does that make sense? Cool.\n\nNow just to kind of check a couple details with you, with the cleaning business and everything, I wanted to just clarify a couple of things because my notes are a little bit new system. It's a little bit janky. You're essentially are you employed by your own business, or are you just kind of like a sole trader? Sole trader. Now with your q super account, are you making contributions?\n\nYep. So when it comes to, like, contributions themselves, you would normally pull aside, I guess, your income. And are you kind of putting aside for income tax each month and quarter? Yes. 100%.\n\nSo one of the things I'll check first is, are you wanting to do any kind of contributions into super just in general? Yeah. We usually work it in in tandem, and so there's a there's a couple of really cool options for you. Now when you go to put the money into super, you know how normally your employer would kind of pay it into your account in the background? Well, if you're a sole trader, you've got to kind of make those transactions yourself through, like, BPAY or EFT.\n\nSo because you've got 237,000 in your hub account and a little bit over in q super, that means that we could safely pull out, say, even up to $23,000 we could get out for this contribution strategy. Now what I'm kind of thinking, Jeanette, is if nothing's currently going in, this financial year, you've got a a cap of $30,000, and next financial year, the concessional cap goes up to 32 and a half. So that's the maximum that you can put in just in total. Whether it's pulling money out, putting it back in again, we can't go over that much. So because if I give you a bit of an idea of a maximum maximum strategy, let's say just for argument's sake that you have $30,000 laying around.\n\nIf you put in $30,000 into your super, based on how much tax you would have to pay on your income tax, you could pretty much pull out 19,000 from the super account. And once you've paid all your taxes and everything, it would kind of all iron out in the washes the same amount. And there'd be an extra $10 sitting in the super almost minus a bit of tax. K? Now I wanna kind of be gauged by you a little bit in terms of how much you've actually got sitting in business bank accounts, pulling aside your tax off to the side.\n\nYeah. Yeah. So Exactly right. So I'll have to be a bit careful with what I recommend because I wanna make sure it works for your cash flow, and I wanna kind of go overboard trying to get you the maximum benefit if it's gonna really mess with your week to week. So we can definitely start smaller as well.\n\nHow consistent is kind of the income and invoicing for you? Does it fluctuate how wildly does it fluctuate? Yeah. Okay. Yep.\n\nYeah. And when we had your total income set at a 100 and Oh, gotcha. Okay. Do you feel like that once the end of financial year comes around that you'll be getting a bit of a a tax bill for the income tax and have to kind of pay it off over time, or do you think you'll have the money there? Okay.\n\nPerfect. Yeah. It is. And does that kind of count like a payment plan? For the year?\n\n25 for the year. And you're paying 13 a quarter for the income tax liability? Yeah. K. Perfect.\n\nWhat we can do then Yep. Yeah. And that's what I was thinking. A 150 is what we kinda had total for the year, and 13 every six months gets you close to that 26. So that kind of makes a bit more sense.\n\nYeah. A lot of things are quarterly these days, so that makes sense. K. Yeah. Yeah.\n\nNo. That's fair enough. Me too. Me too. What I might do is yes.\n\nSo the idea of doing a little bit of contributions makes sense even if it's small amounts, but you need to make sure that you're okay just on living and your usual tax liabilities. So that's the most important thing. One thing that we can do is I might go for a bit of a minimum strategy with you just to kind of start you off. So are you did you say you're seeing your account tomorrow? K.\n\nSo what I'm thinking is would you you don't happen to have a pen and paper handy, do you? That's okay. I can always just send you a little bit of an email. What yeah? No.\n\nThat's fine. This is really helpful information. So what I'm thinking is if I go for a bit of a minimum strategy because one of the things too is we need to make sure that your your super is still growing, and we don't just kind of pull it out. And then it just pulls out, and then all of a sudden it starts going down. Do you know what I mean?\n\nSo one thing you can do is if I go off the minimum, let's say we had 230,000 sitting in a pension account. You pull out about 9,200 a year, which works out to be 766 a month that can come out pretty cleanly. Now if that 766 comes out, let's just say everything is rolling very well with putting aside for income tax, you could essentially put in about 900 to 1,000 a month into the super and be topped up by that 766. And then once you go to pay your income tax, you may have spent, say, $800 and gotten $7.60 back and maybe a $40 less in the pocket once all is said and done. But for that $40, you get just under a thousand dollars goes into your super account every month.\n\nNo. That's totally fine. So what I'm gonna do is I'm gonna send you a little bit of an email, and I wanna split into two things. The idea of just generally putting a little bit into super even if it's $50 a week versus pulling out 760 and putting a thousand in and just seeing how that would actually go for the bookkeeping. Because if you need another three or six months until the bookkeeping's kind of smoother before we start that, that's fine.\n\nBut if bookkeeping permits and you and your accountant will be able to comfortably manage that going in and out, that's really gonna help things over the next seven years. K? So we don't have to fly into it too quickly. Part of my job is to make sure that whatever we start doing is is comfortable for your life. I'm just coming up with, I think, two suitable ideas, and we just wanna see, is it practical come end of financial year?\n\nIf not, do we put a pause on it for three or six months and then try and start it up maybe closer to Christmas time? K? So I'll shoot you an email, have a chat to your accountant, and then if you can just get back to me with whether this sounds practical or if you wanna put a pin in it, that would be fantastic. Can you do that for me? Amazing.\n\nOutside of that, we've already kind of got you teed up for that kind of Christmas chat to see how everything's going, bit of a biannual catch up, and we just kinda need to let the the world simmer down a little bit. All the talks of Yeah. You never know. Hopefully, they don't. Hopefully, they can sort these problems out in most other ways.\n\nBut, you know, one day, that sort of thing may happen one day. But at the moment, between the the wars and talk of more more pandemics at risk, things are happening. So we just need to let let things kind of play out a little bit for this year and so we can kind of get back to growing once everything's settled down a little bit. Well, it's kind of just been bouncing up and down, up and down, up and down since you came on board, and that's pretty normal. I'm I'm really glad that you're in that balanced risk profile because if you were in high risk, you'd be negative right now.\n\nYou're still sitting kind of flat, which is good. And if the usual thing happens where in a few months' time, there is a bit of settling, like, the the issues weren't resolved, but if it settles to a pattern, then the stock market tends to go back up, and then all of a sudden your soup is up seven to 10%. So that's very possible, or it kind of just stays flat for the year, and then hopefully after that, it goes up again. But the good thing for you, Jeanette, is because you've got that kind of seven years, that's usually what we call, like, a market cycle. And if you're in the middle of a crisis now, the actually, the best time for you to be having a crisis is now because five or six years of steady growth after it is kind of exactly what you need.\n\nSo you'd rather have one now than in five years' time just before you retire. And then for us, that kind of means that if it happens this year, it's a bit of a buying opportunity. And if we can get some things rolling this year and next year, you stand a pretty good chance of getting some really good growth afterwards. So fingers crossed, there's no extended issues that last for eighteen months or two years. But other than that, we've got you in a nice balanced fund, so the risk isn't too crazy.\n\nWhen the markets go up, this portfolio has had some really good growth. I've seen some clients up 15%, which is lovely for the usual seven or eight that we're aiming for. And then it's just about getting a handle on the bookkeeping. And if you can really work with your accountant to make sure that gets smooth over the next year or so, we can do a couple little things in the background and get you going a little bit quicker. Yeah.\n\nSo when we send you through some payment details, it gives you the BPA details and EFT details. And then, yep, and then you basically set up, like, a recurring transaction that pops out every month or so. And once we get to end of financial year, we basically fill in a form called a notice of intent claim form with you, which just says, hey. I put $4 in. I would like to claim that as deductible.\n\nAnd then that super fund sends that code off to the tax office, and then that's ready to go for your tax return. Yeah. Yeah. So I really I'll try and send you this email today. Have a chat to your accountant tomorrow.\n\nI'll send you those BPAY details just so you have them. And then the two things are, if you can maybe try and set up a small little debit in just to start with, we can give that a go. And even if you set it up for July, like, you don't have to like, okay. If you wanna do a lump sum before the end of financial year to reduce your tax, that's one thing. But if it works smoother for your cash flow just to do a regular small amount come July, that's cool too.\n\nK. So I'll put that in the email too, whether we do a lump sum or small amount. And then there's the idea of the transition strategy, which I just wanna ask your accountant if they think based on your bookkeeping whether it's practical or if we should pause. Okay? Yep.\n\nAlways. Always. Except if I'm in with another client, I won't be able to help you. But I would be more than happy to liaise with with Heather, whether it's over email or a quick call afterwards or while you're there. It's just tomorrow's looking a little bit rough.\n\nYeah. Yeah. Do you have an appointment set for tomorrow, like a time? K. I mean, I might be able to jump on the phone at about 09:30 for a few minutes or even catch them afterwards and and give them a buzz if you give permission.\n\nIt depends. Like, when you go through, like, somebody's financial details, obviously, there's details that you provide to us. And if you're wanting to release like, do a release authority between two companies, that's usually in writing. But if we're just having a bit of a bit of a chat, that's okay. I'll try to be obviously careful of privacy policy and so on, but that's why I'll put a few things in an email as well.\n\nK. Alright. Any questions on that? I know we haven't kind of finalized an idea just yet. We're getting closer and closer, but any questions?\n\nYeah. And like I said, I'm kind of cutting down to a short list of two or three ideas, and I'm just trying to refine it gradually over time until we find what clicks for you. And that's what we kind of run with. Cool. Alright.\n\nI'll actually try and write that email up to you right now straight away so you have it. And I'll put in my calendar that there might be a bit of a phone call popping through at 09:30. And I'm just gonna pop a little thing in there. And even if we do a bit of a joint joint phone call, you can put me on speakerphone or something. That would be nice.\n\nBut if not, I can always kind of liaise with you guys afterwards. That's no trouble. But, yeah, I would love to have a chat with with Heather as needed. And all we're really looking for is a couple of ideas about whether she thinks it's practical or not, and then we can go from there. Sensitive.\n\nAlrighty. I will leave you to it, Jeanette. Thank you so much for taking the time with me today. And if you have any questions off that email, just let us know. But if not, I'll see if I hear from you tomorrow morning.\n\nAnd if not, I might get the team to do a bit of a follow-up with you next week. Lovely. Lovely. Alright. You have a fantastic day.\n\nThank you, Jenev. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Jeanette.","start":1.36,"end":2.3999999,"sentiment":"positive","sentiment_score":0.4766843418280284},{"text":"Tommy here, senior adviser.","start":2.3999999,"end":3.84,"sentiment":"positive","sentiment_score":0.347916804254055},{"text":"How are you going?","start":3.84,"end":4.9,"sentiment":"positive","sentiment_score":0.3814239203929901},{"text":"That's no worries at all.","start":9.04,"end":10.58,"sentiment":"neutral","sentiment_score":-0.06711556166410446},{"text":"Yeah.","start":11.599999,"end":11.84,"sentiment":"neutral","sentiment_score":0.022747069597244263}],"sentiment":"neutral","sentiment_score":0.23732854031464634,"num_words":17,"start":1.36,"end":11.84},{"sentences":[{"text":"Yeah.","start":11.84,"end":12.16,"sentiment":"neutral","sentiment_score":0.03161957859992981},{"text":"And some of our digital phone system, it calls from different numbers and things like that.","start":12.16,"end":15.555,"sentiment":"neutral","sentiment_score":0.014206770109012723},{"text":"So I thought I'd just leave you a voice message, and thank you for calling back.","start":15.555,"end":18.695,"sentiment":"neutral","sentiment_score":0.04849751875735819},{"text":"No worries at all.","start":29.09,"end":30.310001,"sentiment":"neutral","sentiment_score":0.09722043946385384},{"text":"Is it still a good time to have a chat about this transition strategy?","start":31.25,"end":35.67,"sentiment":"neutral","sentiment_score":0.2559413973774229}],"sentiment":"neutral","sentiment_score":0.0981754808157098,"num_words":51,"start":11.84,"end":35.67},{"sentences":[{"text":"Yeah.","start":41.825,"end":42.305,"sentiment":"neutral","sentiment_score":0.1376703679561615},{"text":"So I was going through the notes on the file, and and we'd had a conversation before about when you turned 60.","start":42.305,"end":48.165,"sentiment":"neutral","sentiment_score":0.13603671166029843},{"text":"Obviously, happy birthday for starters.","start":48.385002,"end":50.545,"sentiment":"positive","sentiment_score":0.4447363793849945},{"text":"I hope you had a good sixth year.","start":50.545,"end":52.05,"sentiment":"positive","sentiment_score":0.4139611069113016},{"text":"Did you get spoiled and looked after?","start":54.69,"end":56.61,"sentiment":"neutral","sentiment_score":0.05034322823796954}],"sentiment":"neutral","sentiment_score":0.20972677614799765,"num_words":43,"start":41.825,"end":56.61},{"sentences":[{"text":"Was it monumental?","start":56.61,"end":57.51,"sentiment":"neutral","sentiment_score":-0.04703176145752271},{"text":"Little bit.","start":59.969997,"end":60.71,"sentiment":"neutral","sentiment_score":-0.021539821289479733},{"text":"Fair enough.","start":63.17,"end":63.809998,"sentiment":"neutral","sentiment_score":0.07841861620545387},{"text":"Fair enough.","start":63.809998,"end":64.545,"sentiment":"neutral","sentiment_score":0.11886806786060333},{"text":"Now because you've hit your preservation age, you've got access to that new transition strategy.","start":65.505,"end":71.045,"sentiment":"neutral","sentiment_score":0.15317780822515487}],"sentiment":"neutral","sentiment_score":0.10450273185657959,"num_words":24,"start":56.61,"end":71.045},{"sentences":[{"text":"So what I thought I would do to start with is just quickly recap kind of what it is, and then we'll kinda see what we may be able to do and update some of your strategies.","start":71.505,"end":80.78,"sentiment":"neutral","sentiment_score":0.08743413920338089},{"text":"Is that alright?","start":80.78,"end":81.6,"sentiment":"neutral","sentiment_score":0.08103254189093907},{"text":"Perfect.","start":83.020004,"end":83.520004,"sentiment":"positive","sentiment_score":0.4235282242298126},{"text":"So when you hit 60, you can essentially access part of your super now in a transition pension.","start":83.58,"end":90.94,"sentiment":"neutral","sentiment_score":0.2449491106801563},{"text":"So, normally, what happens is you retire, you put your super into a pension, you can start taking money out.","start":90.94,"end":96.185,"sentiment":"neutral","sentiment_score":0.16269858069717885}],"sentiment":"neutral","sentiment_score":0.14638917223562167,"num_words":79,"start":71.505,"end":96.185},{"sentences":[{"text":"But if you're still working and you've hit preservation age, you can access a transition pension, which lets you take out up to 10% of your super.","start":96.325,"end":105.125,"sentiment":"neutral","sentiment_score":0.1938316813773579},{"text":"Does that make sense?","start":105.125,"end":106.17,"sentiment":"neutral","sentiment_score":0.1973017267882824},{"text":"Now the whole point behind this strategy is if you can kind of put money into your super and pull it back out again, there's a tax difference.","start":107.21,"end":115.149994,"sentiment":"neutral","sentiment_score":0.27561239818377153},{"text":"So because of your marginal tax rate being, say, 32 or 37%, you can put money into your super.","start":115.689995,"end":123.265,"sentiment":"neutral","sentiment_score":0.21604026618756747},{"text":"It's only taxed 15.","start":123.265,"end":124.645004,"sentiment":"neutral","sentiment_score":0.10172916390001774}],"sentiment":"neutral","sentiment_score":0.22257916056891766,"num_words":82,"start":96.325,"end":124.645004},{"sentences":[{"text":"So what it really means is you can put, like, a $100 in.","start":125.105,"end":128.385,"sentiment":"neutral","sentiment_score":0.21111716100802788},{"text":"It only costs you $70 in your take home pay, but then you can pull $70 out of your super to top your income back up again.","start":128.385,"end":135.27,"sentiment":"neutral","sentiment_score":0.29063682478887065},{"text":"So it kind of gets you the same income, but that little tax difference goes in to boost up your super.","start":136.71,"end":142.07,"sentiment":"positive","sentiment_score":0.4551713040896824},{"text":"Does that make sense?","start":142.07,"end":143.05,"sentiment":"neutral","sentiment_score":0.28255515545606613},{"text":"Cool.","start":144.39,"end":144.79001,"sentiment":"positive","sentiment_score":0.3970767855644226}],"sentiment":"neutral","sentiment_score":0.32844866902539227,"num_words":66,"start":125.105,"end":144.79001},{"sentences":[{"text":"Now just to kind of check a couple details with you, with the cleaning business and everything, I wanted to just clarify a couple of things because my notes are a little bit new system.","start":144.79001,"end":153.815,"sentiment":"neutral","sentiment_score":-0.01536082774400711},{"text":"It's a little bit janky.","start":153.815,"end":154.955,"sentiment":"negative","sentiment_score":-0.34240155220031737},{"text":"You're essentially are you employed by your own business, or are you just kind of 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quarter?","start":185.085,"end":189.74501,"sentiment":"neutral","sentiment_score":-0.04564048309943506},{"text":"Yes.","start":194.09,"end":194.56999,"sentiment":"neutral","sentiment_score":0.03982459008693695},{"text":"100%.","start":194.56999,"end":195.46999,"sentiment":"neutral","sentiment_score":0.04537570849061012}],"sentiment":"neutral","sentiment_score":-0.02014317734317635,"num_words":34,"start":176.365,"end":195.46999},{"sentences":[{"text":"So one of the things I'll check first is, are you wanting to do any kind of contributions into super just in general?","start":195.60999,"end":204.18999,"sentiment":"neutral","sentiment_score":0.0441447732889134},{"text":"Yeah.","start":214.055,"end":214.535,"sentiment":"neutral","sentiment_score":0.1131073385477066},{"text":"We usually work it in in tandem, and so there's a there's a couple of really cool options for you.","start":214.535,"end":220.4,"sentiment":"neutral","sentiment_score":0.2848872639238834},{"text":"Now when you go to put the money into super, you know how normally your employer would kind of pay it into your account in the background?","start":220.86,"end":226.64,"sentiment":"neutral","sentiment_score":0.10650804963100839},{"text":"Well, if you're a sole trader, you've got to kind of make those transactions yourself through, like, BPAY or EFT.","start":227.74,"end":233.25499,"sentiment":"neutral","sentiment_score":0.12990375347435473}],"sentiment":"neutral","sentiment_score":0.135164558375766,"num_words":91,"start":195.60999,"end":233.25499},{"sentences":[{"text":"So because you've got 237,000 in your hub account and a little bit over in q super, that means that we could safely pull out, say, even up to $23,000 we could get out for this contribution strategy.","start":235.635,"end":249.76001,"sentiment":"neutral","sentiment_score":0.3062129244208336},{"text":"Now what I'm kind of thinking, Jeanette, is if nothing's currently going in, this financial year, you've got a a cap of $30,000, and next financial year, the concessional cap goes up to 32 and a half.","start":252.54001,"end":266.505,"sentiment":"neutral","sentiment_score":-0.023555659814863593},{"text":"So that's the maximum that you can put in just in total.","start":272.52002,"end":276.44,"sentiment":"neutral","sentiment_score":0.018553766732414562},{"text":"Whether it's pulling money out, putting it back in again, we can't go over that much.","start":276.44,"end":280.22,"sentiment":"neutral","sentiment_score":-0.1463199344725581},{"text":"So because if I give you a bit of an idea of a maximum maximum strategy, let's say just for argument's sake that you have $30,000 laying around.","start":282.44,"end":292.26498,"sentiment":"neutral","sentiment_score":0.10559599021715778}],"sentiment":"neutral","sentiment_score":0.088570577787406,"num_words":131,"start":235.635,"end":292.26498},{"sentences":[{"text":"If you put in $30,000 into your super, based on how much tax you would have to pay on your income tax, you could pretty much pull out 19,000 from the super account.","start":293.525,"end":304.75,"sentiment":"neutral","sentiment_score":0.08640809921604214},{"text":"And once you've paid all your taxes and everything, it would kind of all iron out in the washes the same amount.","start":304.97,"end":310.43,"sentiment":"neutral","sentiment_score":0.05958564511754296},{"text":"And there'd be an extra $10 sitting in the super almost minus a bit of tax.","start":311.53,"end":315.585,"sentiment":"neutral","sentiment_score":0.020546082640066743},{"text":"K?","start":316.94498,"end":317.425,"sentiment":"neutral","sentiment_score":0.026809409260749817},{"text":"Now I wanna kind of be gauged by you a little bit in terms of how much you've actually got sitting in business bank accounts, pulling aside your tax off to the side.","start":317.425,"end":328.005,"sentiment":"neutral","sentiment_score":-0.0022634292924494453}],"sentiment":"neutral","sentiment_score":0.04231623839586973,"num_words":105,"start":293.525,"end":328.005},{"sentences":[{"text":"Yeah.","start":334.09998,"end":334.59998,"sentiment":"neutral","sentiment_score":-0.09264007210731506},{"text":"Yeah.","start":340.595,"end":341.095,"sentiment":"neutral","sentiment_score":-0.01340065896511078},{"text":"So Exactly right.","start":343.95502,"end":352.77,"sentiment":"neutral","sentiment_score":0.05267825485983243},{"text":"So I'll have to be a bit careful with what I recommend because I wanna make sure it works for your cash flow, and I wanna kind of go overboard trying to get you the maximum benefit if it's gonna really mess with your week to week.","start":352.77,"end":363.34998,"sentiment":"neutral","sentiment_score":-0.30829429578907946},{"text":"So we can definitely start smaller as well.","start":365.105,"end":367.365,"sentiment":"neutral","sentiment_score":0.08924230560660362}],"sentiment":"neutral","sentiment_score":-0.2287316570621139,"num_words":60,"start":334.09998,"end":367.365},{"sentences":[{"text":"How consistent is kind of the income and invoicing for you?","start":368.465,"end":371.745,"sentiment":"neutral","sentiment_score":0.19954614612189206},{"text":"Does it fluctuate how wildly does it fluctuate?","start":371.745,"end":374.085,"sentiment":"neutral","sentiment_score":0.027522419579327106},{"text":"Yeah.","start":377.68,"end":378.18,"sentiment":"neutral","sentiment_score":0.10305078327655792},{"text":"Okay.","start":381.84,"end":382.34,"sentiment":"neutral","sentiment_score":0.1332315355539322},{"text":"Yep.","start":388.575,"end":389.075,"sentiment":"neutral","sentiment_score":0.07475055754184723}],"sentiment":"neutral","sentiment_score":0.12391908365217122,"num_words":22,"start":368.465,"end":389.075},{"sentences":[{"text":"Yeah.","start":395.375,"end":395.875,"sentiment":"neutral","sentiment_score":-0.03872082382440567},{"text":"And when we had your total income set at a 100 and Oh, gotcha.","start":396.095,"end":414.225,"sentiment":"neutral","sentiment_score":-0.05320417135953903},{"text":"Okay.","start":416.045,"end":416.545,"sentiment":"neutral","sentiment_score":0.02147400379180908},{"text":"Do you feel like that once the end of financial year comes around that you'll be getting a bit of a a tax bill for the income tax and have to kind of pay it off over time, or do you think you'll have the money there?","start":417.725,"end":428.04,"sentiment":"neutral","sentiment_score":-0.013570417075398121},{"text":"Okay.","start":441.57498,"end":442.07498,"sentiment":"neutral","sentiment_score":0.06546217203140259}],"sentiment":"neutral","sentiment_score":-0.020850822649663314,"num_words":64,"start":395.375,"end":442.07498},{"sentences":[{"text":"Perfect.","start":449.41498,"end":449.91498,"sentiment":"positive","sentiment_score":0.46259576082229614},{"text":"Yeah.","start":450.055,"end":450.29498,"sentiment":"neutral","sentiment_score":0.2419852614402771},{"text":"It is.","start":450.29498,"end":450.695,"sentiment":"neutral","sentiment_score":0.18354430049657822},{"text":"And does that kind of count like a payment plan?","start":450.695,"end":454.07498,"sentiment":"neutral","sentiment_score":0.015494302287697792},{"text":"For the year?","start":461.55,"end":462.68997,"sentiment":"neutral","sentiment_score":-0.02240355747441451}],"sentiment":"neutral","sentiment_score":0.0682001161005567,"num_words":17,"start":449.41498,"end":462.68997},{"sentences":[{"text":"25 for the year.","start":464.34998,"end":465.55,"sentiment":"neutral","sentiment_score":-0.021180459996685386},{"text":"And you're paying 13 a quarter for the income tax liability?","start":465.55,"end":470.365,"sentiment":"neutral","sentiment_score":-0.06650900231166319},{"text":"Yeah.","start":481.24,"end":481.74,"sentiment":"neutral","sentiment_score":-0.00659855455160141},{"text":"K.","start":482.36,"end":482.86,"sentiment":"neutral","sentiment_score":0.02477279491722584},{"text":"Perfect.","start":492.535,"end":493.035,"sentiment":"positive","sentiment_score":0.6084312796592712}],"sentiment":"neutral","sentiment_score":-0.010539741410563389,"num_words":18,"start":464.34998,"end":493.035},{"sentences":[{"text":"What we can do then Yep.","start":493.735,"end":524.585,"sentiment":"positive","sentiment_score":0.341696302096049},{"text":"Yeah.","start":526.24506,"end":526.565,"sentiment":"neutral","sentiment_score":0.09285981208086014},{"text":"And that's what I was thinking.","start":526.565,"end":527.36505,"sentiment":"neutral","sentiment_score":0.10911042615771294},{"text":"A 150 is what we kinda had total for the year, and 13 every six months gets you close to that 26.","start":527.36505,"end":534.39,"sentiment":"neutral","sentiment_score":0.1482096527787772},{"text":"So that kind of makes a bit more sense.","start":534.39,"end":536.41003,"sentiment":"neutral","sentiment_score":0.20398923754692078}],"sentiment":"neutral","sentiment_score":0.17941399274224584,"num_words":44,"start":493.735,"end":536.41003},{"sentences":[{"text":"Yeah.","start":543.845,"end":544.165,"sentiment":"neutral","sentiment_score":0.08164756000041962},{"text":"A lot of things are quarterly these days, so that makes sense.","start":544.165,"end":546.745,"sentiment":"neutral","sentiment_score":0.11828478425741196},{"text":"K.","start":555.125,"end":555.625,"sentiment":"neutral","sentiment_score":0.04343575984239578},{"text":"Yeah.","start":563.56,"end":564.06,"sentiment":"neutral","sentiment_score":0.06039133667945862},{"text":"Yeah.","start":570.695,"end":571.015,"sentiment":"neutral","sentiment_score":0.07329919934272766}],"sentiment":"neutral","sentiment_score":0.10488695418462157,"num_words":16,"start":543.845,"end":571.015},{"sentences":[{"text":"No.","start":571.015,"end":571.255,"sentiment":"neutral","sentiment_score":0.08330590277910233},{"text":"That's fair enough.","start":571.255,"end":572.235,"sentiment":"neutral","sentiment_score":0.11635082463423412},{"text":"Me too.","start":572.375,"end":573.015,"sentiment":"neutral","sentiment_score":0.09253060445189476},{"text":"Me too.","start":573.015,"end":573.755,"sentiment":"neutral","sentiment_score":0.08613481000065804},{"text":"What I might do is yes.","start":574.295,"end":576.77496,"sentiment":"neutral","sentiment_score":0.13259767244259515}],"sentiment":"neutral","sentiment_score":0.1132339457316058,"num_words":14,"start":571.015,"end":576.77496},{"sentences":[{"text":"So the idea of doing a little bit of contributions makes sense even if it's small amounts, but you need to make sure that you're okay just on living and your usual tax liabilities.","start":576.77496,"end":585.74,"sentiment":"neutral","sentiment_score":0.17242281730560696},{"text":"So that's the most important thing.","start":586.12,"end":587.9,"sentiment":"neutral","sentiment_score":0.19953411569197974},{"text":"One thing that we can do is I might go for a bit of a minimum strategy with you just to kind of start you off.","start":589.0,"end":597.665,"sentiment":"neutral","sentiment_score":0.2580778317955824},{"text":"So are you did you say you're seeing your account tomorrow?","start":597.885,"end":600.385,"sentiment":"neutral","sentiment_score":0.032223719510842457},{"text":"K.","start":603.005,"end":603.325,"sentiment":"neutral","sentiment_score":0.027612905949354172}],"sentiment":"neutral","sentiment_score":0.18143176833072153,"num_words":78,"start":576.77496,"end":603.325},{"sentences":[{"text":"So what I'm thinking is would you you don't happen to have a pen and paper handy, do you?","start":603.325,"end":607.89,"sentiment":"neutral","sentiment_score":-0.00048769806131818594},{"text":"That's okay.","start":613.33,"end":613.89,"sentiment":"positive","sentiment_score":0.3400046229362488},{"text":"I can always just send you a little bit of an email.","start":613.89,"end":616.07,"sentiment":"neutral","sentiment_score":0.2202932300666968},{"text":"What yeah?","start":617.25,"end":618.87,"sentiment":"neutral","sentiment_score":0.12104550749063492},{"text":"No.","start":636.63995,"end":636.8,"sentiment":"neutral","sentiment_score":0.029667772352695465}],"sentiment":"neutral","sentiment_score":0.09961168141227164,"num_words":36,"start":603.325,"end":636.8},{"sentences":[{"text":"That's fine.","start":636.8,"end":637.36,"sentiment":"neutral","sentiment_score":0.28541218489408493},{"text":"This is really helpful information.","start":637.36,"end":638.82,"sentiment":"positive","sentiment_score":0.7340453028678894},{"text":"So what I'm thinking is if I go for a bit of a minimum strategy because one of the things too is we need to make sure that your your super is still growing, and we don't just kind of pull it out.","start":639.12,"end":649.485,"sentiment":"neutral","sentiment_score":0.1588947896000951},{"text":"And then it just pulls out, and then all of a sudden it starts going down.","start":650.025,"end":653.065,"sentiment":"neutral","sentiment_score":0.005717898719012737},{"text":"Do you know what I mean?","start":653.065,"end":654.205,"sentiment":"neutral","sentiment_score":0.031050939112901688}],"sentiment":"neutral","sentiment_score":0.15765720626546276,"num_words":72,"start":636.8,"end":654.205},{"sentences":[{"text":"So one thing you can do is if I go off the minimum, let's say we had 230,000 sitting in a pension account.","start":655.705,"end":662.685,"sentiment":"neutral","sentiment_score":0.1664453194193218},{"text":"You pull out about 9,200 a year, which works out to be 766 a month that can come out pretty cleanly.","start":662.81,"end":670.75,"sentiment":"neutral","sentiment_score":0.20577653036231086},{"text":"Now if that 766 comes out, let's just say everything is rolling very well with putting aside for income tax, you could essentially put in about 900 to 1,000 a month into the super and be topped up by that 766.","start":672.73,"end":689.615,"sentiment":"neutral","sentiment_score":0.301429544280215},{"text":"And then once you go to pay your income tax, you may have spent, say, $800 and gotten $7.60 back and maybe a $40 less in the pocket once all is said and done.","start":689.78,"end":700.84,"sentiment":"neutral","sentiment_score":0.2253416807335966},{"text":"But for that $40, you get just under a thousand dollars goes into your super account every month.","start":704.755,"end":710.61505,"sentiment":"neutral","sentiment_score":0.25985269745190936}],"sentiment":"neutral","sentiment_score":0.23976004743663065,"num_words":137,"start":655.705,"end":710.61505},{"sentences":[{"text":"No.","start":715.41,"end":715.64996,"sentiment":"neutral","sentiment_score":-0.158008873462677},{"text":"That's totally fine.","start":715.64996,"end":716.79,"sentiment":"neutral","sentiment_score":-0.053980723644296326},{"text":"So what I'm gonna do is I'm gonna send you a little bit of an email, and I wanna split into two things.","start":718.44995,"end":723.02997,"sentiment":"neutral","sentiment_score":0.07758400168107904},{"text":"The idea of just generally putting a little bit into super even if it's $50 a week versus pulling out 760 and putting a thousand in and just seeing how that would actually go for the bookkeeping.","start":723.88995,"end":737.565,"sentiment":"neutral","sentiment_score":0.09540707970390448},{"text":"Because if you need another three or six months until the bookkeeping's kind of smoother before we start that, that's fine.","start":738.185,"end":745.73,"sentiment":"neutral","sentiment_score":0.1959578004621324}],"sentiment":"neutral","sentiment_score":0.10717243238845292,"num_words":85,"start":715.41,"end":745.73},{"sentences":[{"text":"But if bookkeeping permits and you and your accountant will be able to comfortably manage that going in and out, that's really gonna help things over the next seven years.","start":746.11,"end":754.21,"sentiment":"positive","sentiment_score":0.6186319867769877},{"text":"K?","start":756.60504,"end":757.10504,"sentiment":"neutral","sentiment_score":0.12930156290531158},{"text":"So we don't have to fly into it too quickly.","start":757.245,"end":759.825,"sentiment":"neutral","sentiment_score":0.12304938584566116},{"text":"Part of my job is to make sure that whatever we start doing is is comfortable for your life.","start":759.885,"end":765.265,"sentiment":"neutral","sentiment_score":0.3217532822960301},{"text":"I'm just coming up with, I think, two suitable ideas, and we just wanna see, is it practical come end of financial year?","start":765.405,"end":773.16003,"sentiment":"neutral","sentiment_score":0.10864379094994586}],"sentiment":"positive","sentiment_score":0.34374547686921547,"num_words":83,"start":746.11,"end":773.16003},{"sentences":[{"text":"If not, do we put a pause on it for three or six months and then try and start it up maybe closer to Christmas time?","start":773.54004,"end":779.56,"sentiment":"neutral","sentiment_score":-0.00720329640003351},{"text":"K?","start":781.635,"end":781.875,"sentiment":"neutral","sentiment_score":0.06789834797382355},{"text":"So I'll shoot you an email, have a chat to your accountant, and then if you can just get back to me with whether this sounds practical or if you wanna put a pin in it, that would be fantastic.","start":781.875,"end":791.655,"sentiment":"neutral","sentiment_score":0.22946049328893423},{"text":"Can you do that for me?","start":793.72,"end":795.02,"sentiment":"neutral","sentiment_score":0.11229687556624413},{"text":"Amazing.","start":796.6,"end":797.1,"sentiment":"positive","sentiment_score":0.4172237515449524}],"sentiment":"neutral","sentiment_score":0.13716266727125323,"num_words":74,"start":773.54004,"end":797.1},{"sentences":[{"text":"Outside of that, we've already kind of got you teed up for that kind of Christmas chat to see how everything's going, bit of a biannual catch up, and we just kinda need to let the the world simmer down a little bit.","start":797.64,"end":809.41504,"sentiment":"neutral","sentiment_score":0.13503426906847676},{"text":"All the talks of Yeah.","start":809.41504,"end":818.73,"sentiment":"neutral","sentiment_score":-0.03811347372829914},{"text":"You never know.","start":819.26996,"end":820.25,"sentiment":"neutral","sentiment_score":-0.15603106220563254},{"text":"Hopefully, they don't.","start":821.02997,"end":821.82996,"sentiment":"neutral","sentiment_score":-0.15504060685634613},{"text":"Hopefully, they can sort these problems out in most other ways.","start":821.82996,"end":825.20996,"sentiment":"neutral","sentiment_score":-0.0987816954200918}],"sentiment":"neutral","sentiment_score":0.05532450068455476,"num_words":65,"start":797.64,"end":825.20996},{"sentences":[{"text":"But, you know, one day, that sort of thing may happen one day.","start":825.58997,"end":828.87,"sentiment":"neutral","sentiment_score":-0.07744544916428052},{"text":"But at the moment, between the the wars and talk of more more pandemics at risk, things are happening.","start":828.87,"end":836.535,"sentiment":"neutral","sentiment_score":-0.12078064248750084},{"text":"So we just need to let let things kind of play out a little bit for this year and so we can kind of get back to growing once everything's settled down a little bit.","start":836.535,"end":845.04,"sentiment":"neutral","sentiment_score":0.18198225072452},{"text":"Well, it's kind of just been bouncing up and down, up and down, up and down since you came on board, and that's pretty normal.","start":853.27997,"end":859.15497,"sentiment":"neutral","sentiment_score":-0.17554985463619233},{"text":"I'm I'm really glad that you're in that balanced risk profile because if you were in high risk, you'd be negative right now.","start":859.15497,"end":864.935,"sentiment":"neutral","sentiment_score":0.2508277151247729}],"sentiment":"neutral","sentiment_score":0.03867866792108702,"num_words":115,"start":825.58997,"end":864.935},{"sentences":[{"text":"You're still sitting kind of flat, which is good.","start":864.995,"end":867.415,"sentiment":"neutral","sentiment_score":0.0505179510348373},{"text":"And if the usual thing happens where in a few months' time, there is a bit of settling, like, the the issues weren't resolved, but if it settles to a pattern, then the stock market tends to go back up, and then all of a sudden your soup is up seven to 10%.","start":867.875,"end":882.11,"sentiment":"neutral","sentiment_score":0.0027760738190614953},{"text":"So that's very possible, or it kind of just stays flat for the year, and then hopefully after that, it goes up again.","start":884.985,"end":892.105,"sentiment":"neutral","sentiment_score":-0.043621792984397514},{"text":"But the good thing for you, Jeanette, is because you've got that kind of seven years, that's usually what we call, like, a market cycle.","start":892.105,"end":899.165,"sentiment":"positive","sentiment_score":0.38906386196613313},{"text":"And if you're in the middle of a crisis now, the actually, the best time for you to be having a crisis is now because five or six years of steady growth after it is kind of exactly what you need.","start":899.31,"end":910.52997,"sentiment":"neutral","sentiment_score":0.15649792179465294}],"sentiment":"neutral","sentiment_score":0.10424836805176656,"num_words":151,"start":864.995,"end":910.52997},{"sentences":[{"text":"So you'd rather have one now than in five years' time just before you retire.","start":910.59,"end":914.61,"sentiment":"neutral","sentiment_score":0.0464057611922423},{"text":"And then for us, that kind of means that if it happens this year, it's a bit of a buying opportunity.","start":916.565,"end":921.545,"sentiment":"positive","sentiment_score":0.39590334040778025},{"text":"And if we can get some things rolling this year and next year, you stand a pretty good chance of getting some really good growth afterwards.","start":922.245,"end":928.825,"sentiment":"positive","sentiment_score":0.4924476570807971},{"text":"So fingers crossed, there's no extended issues that last for eighteen months or two years.","start":931.13995,"end":935.63995,"sentiment":"neutral","sentiment_score":0.11544329052170117},{"text":"But other than that, we've got you in a nice balanced fund, so the risk isn't too crazy.","start":935.86,"end":940.51996,"sentiment":"neutral","sentiment_score":0.31830531193150413}],"sentiment":"neutral","sentiment_score":0.30815621708568774,"num_words":95,"start":910.59,"end":940.51996},{"sentences":[{"text":"When the markets go up, this portfolio has had some really good growth.","start":940.81995,"end":944.01996,"sentiment":"positive","sentiment_score":0.5531894060281607},{"text":"I've seen some clients up 15%, which is lovely for the usual seven or eight that we're aiming for.","start":944.01996,"end":950.575,"sentiment":"positive","sentiment_score":0.6546601370761269},{"text":"And then it's just about getting a handle on the bookkeeping.","start":951.755,"end":954.09503,"sentiment":"neutral","sentiment_score":0.20686402510512958},{"text":"And if you can really work with your accountant to make sure that gets smooth over the next year or so, we can do a couple little things in the background and get you going a little bit quicker.","start":954.155,"end":963.68,"sentiment":"positive","sentiment_score":0.4050857027371724},{"text":"Yeah.","start":975.195,"end":975.675,"sentiment":"neutral","sentiment_score":0.05486529320478439}],"sentiment":"positive","sentiment_score":0.4549242995051016,"num_words":83,"start":940.81995,"end":975.675},{"sentences":[{"text":"So when we send you through some payment details, it gives you the BPA details and EFT details.","start":975.675,"end":982.65497,"sentiment":"neutral","sentiment_score":0.05808938708570269},{"text":"And then, yep, and then you basically set up, like, a recurring transaction that pops out every month or so.","start":983.115,"end":990.86,"sentiment":"neutral","sentiment_score":0.16990111470222474},{"text":"And once we get to end of financial year, we basically fill in a form called a notice of intent claim form with you, which just says, hey.","start":991.08,"end":999.97504,"sentiment":"neutral","sentiment_score":0.13436208798417024},{"text":"I put $4 in.","start":999.97504,"end":1001.41504,"sentiment":"neutral","sentiment_score":0.10005428083240986},{"text":"I would like to claim that as deductible.","start":1001.41504,"end":1003.435,"sentiment":"neutral","sentiment_score":0.2526660282164812}],"sentiment":"neutral","sentiment_score":0.13624762915647948,"num_words":78,"start":975.675,"end":1003.435},{"sentences":[{"text":"And then that super fund sends that code off to the tax office, and then that's ready to go for your tax return.","start":1004.055,"end":1011.2,"sentiment":"neutral","sentiment_score":0.28294314120126807},{"text":"Yeah.","start":1024.625,"end":1025.125,"sentiment":"neutral","sentiment_score":0.23650076985359192},{"text":"Yeah.","start":1030.7051,"end":1031.2051,"sentiment":"neutral","sentiment_score":0.21901361644268036},{"text":"So I really I'll try and send you this email today.","start":1031.265,"end":1034.5651,"sentiment":"neutral","sentiment_score":0.3164134675806219},{"text":"Have a chat to your accountant tomorrow.","start":1034.73,"end":1036.25,"sentiment":"neutral","sentiment_score":0.2506588250398636}],"sentiment":"neutral","sentiment_score":0.28368294308351916,"num_words":43,"start":1004.055,"end":1036.25},{"sentences":[{"text":"I'll send you those BPAY details just so you have them.","start":1036.25,"end":1038.83,"sentiment":"neutral","sentiment_score":0.23614263128150592},{"text":"And then the two things are, if you can maybe try and set up a small little debit in just to start with, we can give that a go.","start":1039.85,"end":1048.6699,"sentiment":"neutral","sentiment_score":0.21814723158704824},{"text":"And even if you set it up for July, like, you don't have to like, okay.","start":1049.1349,"end":1052.975,"sentiment":"neutral","sentiment_score":0.19221616862341762},{"text":"If you wanna do a lump sum before the end of financial year to reduce your tax, that's one thing.","start":1052.975,"end":1057.315,"sentiment":"neutral","sentiment_score":0.20283925980329515},{"text":"But if it works smoother for your cash flow just to do a regular small amount come July, that's cool too.","start":1057.375,"end":1062.93,"sentiment":"positive","sentiment_score":0.49635827967098783}],"sentiment":"neutral","sentiment_score":0.2729856332706422,"num_words":97,"start":1036.25,"end":1062.93},{"sentences":[{"text":"K.","start":1065.3301,"end":1065.65,"sentiment":"neutral","sentiment_score":0.05684656649827957},{"text":"So I'll put that in the email too, whether we do a lump sum or small amount.","start":1065.65,"end":1071.1901,"sentiment":"neutral","sentiment_score":0.2133862060659072},{"text":"And then there's the idea of the transition strategy, which I just wanna ask your accountant if they think based on your bookkeeping whether it's practical or if we should pause.","start":1071.65,"end":1082.175,"sentiment":"neutral","sentiment_score":0.1788083590386856},{"text":"Okay?","start":1085.275,"end":1085.775,"sentiment":"neutral","sentiment_score":0.1170855462551117},{"text":"Yep.","start":1095.93,"end":1096.43,"sentiment":"neutral","sentiment_score":0.12549147009849548}],"sentiment":"neutral","sentiment_score":0.1856872199249326,"num_words":51,"start":1065.3301,"end":1096.43},{"sentences":[{"text":"Always.","start":1103.385,"end":1103.785,"sentiment":"neutral","sentiment_score":-0.06043490022420883},{"text":"Always.","start":1103.785,"end":1104.285,"sentiment":"neutral","sentiment_score":-0.07526050508022308},{"text":"Except if I'm in with another client, I won't be able to help you.","start":1104.665,"end":1108.8251,"sentiment":"neutral","sentiment_score":-0.274488953607423},{"text":"But I would be more than happy to liaise with with Heather, whether it's over email or a quick call afterwards or while you're there.","start":1108.8251,"end":1116.48,"sentiment":"neutral","sentiment_score":0.12560120537877084},{"text":"It's just tomorrow's looking a little bit rough.","start":1117.34,"end":1119.9199,"sentiment":"neutral","sentiment_score":-0.1959573128260672}],"sentiment":"neutral","sentiment_score":-0.04910549232546164,"num_words":49,"start":1103.385,"end":1119.9199},{"sentences":[{"text":"Yeah.","start":1125.275,"end":1125.775,"sentiment":"neutral","sentiment_score":-0.17881515622138977},{"text":"Yeah.","start":1139.05,"end":1139.55,"sentiment":"neutral","sentiment_score":0.018872283399105072},{"text":"Do you have an appointment set for tomorrow, like a time?","start":1144.25,"end":1146.91,"sentiment":"neutral","sentiment_score":0.04841614226725968},{"text":"K.","start":1159.145,"end":1159.385,"sentiment":"neutral","sentiment_score":0.06132056564092636},{"text":"I mean, I might be able to jump on the phone at about 09:30 for a few minutes or even catch them afterwards and and give them a buzz if you give permission.","start":1159.385,"end":1168.71,"sentiment":"neutral","sentiment_score":0.18409133431586353}],"sentiment":"neutral","sentiment_score":0.13848870830174456,"num_words":47,"start":1125.275,"end":1168.71},{"sentences":[{"text":"It depends.","start":1177.745,"end":1178.305,"sentiment":"neutral","sentiment_score":0.004236414097249508},{"text":"Like, when you go through, like, somebody's financial details, obviously, there's details that you provide to us.","start":1178.305,"end":1185.265,"sentiment":"neutral","sentiment_score":0.034717074814526475},{"text":"And if you're wanting to release like, do a release authority between two companies, that's usually in writing.","start":1185.265,"end":1191.97,"sentiment":"neutral","sentiment_score":0.013529271249555878},{"text":"But if we're just having a bit of a bit of a chat, that's okay.","start":1192.11,"end":1195.49,"sentiment":"neutral","sentiment_score":0.07159730767210325},{"text":"I'll try to be obviously careful of privacy policy and so on, but that's why I'll put a few things in an email as well.","start":1196.6699,"end":1203.885,"sentiment":"neutral","sentiment_score":0.05241610273718834}],"sentiment":"neutral","sentiment_score":0.04190327488369756,"num_words":77,"start":1177.745,"end":1203.885},{"sentences":[{"text":"K.","start":1206.525,"end":1207.025,"sentiment":"neutral","sentiment_score":0.015301674604415894},{"text":"Alright.","start":1208.125,"end":1208.605,"sentiment":"neutral","sentiment_score":0.06565243005752563},{"text":"Any questions on that?","start":1208.605,"end":1209.405,"sentiment":"neutral","sentiment_score":0.05038796365261078},{"text":"I know we haven't kind of finalized an idea just yet.","start":1209.405,"end":1212.525,"sentiment":"neutral","sentiment_score":-0.00474599918181246},{"text":"We're getting closer and closer, but any questions?","start":1212.525,"end":1214.865,"sentiment":"neutral","sentiment_score":-0.027609274489805102}],"sentiment":"neutral","sentiment_score":0.0003770308941602707,"num_words":25,"start":1206.525,"end":1214.865},{"sentences":[{"text":"Yeah.","start":1223.9,"end":1224.22,"sentiment":"neutral","sentiment_score":0.0034699495881795883},{"text":"And like I said, I'm kind of cutting down to a short list of two or three ideas, and I'm just trying to refine it gradually over time until we find what clicks for you.","start":1224.22,"end":1234.705,"sentiment":"neutral","sentiment_score":0.12101362315671785},{"text":"And that's what we kind of run with.","start":1234.705,"end":1236.725,"sentiment":"neutral","sentiment_score":0.10363136883825064},{"text":"Cool.","start":1239.345,"end":1239.845,"sentiment":"positive","sentiment_score":0.44576722383499146},{"text":"Alright.","start":1239.9049,"end":1240.225,"sentiment":"positive","sentiment_score":0.383155882358551}],"sentiment":"neutral","sentiment_score":0.12819393080375766,"num_words":46,"start":1223.9,"end":1240.225},{"sentences":[{"text":"I'll actually try and write that email up to you right now straight away so you have it.","start":1240.225,"end":1243.95,"sentiment":"positive","sentiment_score":0.3436489585373137},{"text":"And I'll put in my calendar that there might be a bit of a phone call popping through at 09:30.","start":1244.19,"end":1249.33,"sentiment":"neutral","sentiment_score":0.2136872872710228},{"text":"And I'm just gonna pop a little thing in there.","start":1251.63,"end":1254.21,"sentiment":"neutral","sentiment_score":0.17277080565690994},{"text":"And even if we do a bit of a joint joint phone call, you can put me on speakerphone or something.","start":1256.445,"end":1261.005,"sentiment":"neutral","sentiment_score":0.11891304204861324},{"text":"That would be nice.","start":1261.005,"end":1261.725,"sentiment":"neutral","sentiment_score":0.29881299287080765}],"sentiment":"neutral","sentiment_score":0.21752823164610013,"num_words":73,"start":1240.225,"end":1261.725},{"sentences":[{"text":"But if not, I can always kind of liaise with you guys afterwards.","start":1261.725,"end":1264.525,"sentiment":"neutral","sentiment_score":0.069757511982551},{"text":"That's no trouble.","start":1264.525,"end":1265.505,"sentiment":"neutral","sentiment_score":0.021994004026055336},{"text":"But, yeah, I would love to have a chat with with Heather as needed.","start":1269.34,"end":1272.32,"sentiment":"neutral","sentiment_score":0.2712592642222132},{"text":"And all we're really looking for is a couple of ideas about whether she thinks it's practical or not, and then we can go from there.","start":1272.46,"end":1279.9199,"sentiment":"neutral","sentiment_score":0.1429255475791601},{"text":"Sensitive.","start":1283.675,"end":1284.175,"sentiment":"neutral","sentiment_score":0.23992465436458588}],"sentiment":"neutral","sentiment_score":0.1530955834804397,"num_words":57,"start":1261.725,"end":1284.175},{"sentences":[{"text":"Alrighty.","start":1284.635,"end":1285.135,"sentiment":"positive","sentiment_score":0.3669731616973877},{"text":"I will leave you to it, Jeanette.","start":1285.515,"end":1287.035,"sentiment":"positive","sentiment_score":0.3820616730621883},{"text":"Thank you so much for taking the time with me today.","start":1287.035,"end":1289.375,"sentiment":"positive","sentiment_score":0.7512425455180082},{"text":"And if you have any questions off that email, just let us know.","start":1291.195,"end":1294.635,"sentiment":"neutral","sentiment_score":0.26859879665649855},{"text":"But if not, I'll see if I hear from you tomorrow morning.","start":1294.635,"end":1297.39,"sentiment":"neutral","sentiment_score":-0.001819298292199771}],"sentiment":"positive","sentiment_score":0.33579603751952,"num_words":44,"start":1284.635,"end":1297.39},{"sentences":[{"text":"And if not, I might get the team to do a bit of a follow-up with you next week.","start":1297.53,"end":1301.39,"sentiment":"neutral","sentiment_score":0.05553965505800749},{"text":"Lovely.","start":1303.85,"end":1304.25,"sentiment":"positive","sentiment_score":0.8505280613899231},{"text":"Lovely.","start":1304.25,"end":1304.65,"sentiment":"positive","sentiment_score":0.8156107068061829},{"text":"Alright.","start":1304.65,"end":1304.89,"sentiment":"positive","sentiment_score":0.68607497215271},{"text":"You have a fantastic day.","start":1304.89,"end":1306.43,"sentiment":"positive","sentiment_score":0.7874390721321106}],"sentiment":"neutral","sentiment_score":0.2720245387819078,"num_words":27,"start":1297.53,"end":1306.43},{"sentences":[{"text":"Thank you, Jenev.","start":1308.49,"end":1309.29,"sentiment":"positive","sentiment_score":0.6718482772509257},{"text":"Bye.","start":1309.29,"end":1309.79,"sentiment":"neutral","sentiment_score":-0.10848446190357208}],"sentiment":"positive","sentiment_score":0.47676509246230125,"num_words":4,"start":1308.49,"end":1309.79}]}}]},{"alternatives":[{"transcript":"Hi, Tommy. Good. I'm sorry I missed your call before. I was did you was it you that rang? Yeah. Yeah. No. That's alright. Yeah. No. That's alright. I'm just trying to guide my worker. No. And he was yelling at me, and I was like, I'm gonna take this call. Yeah. I'll just buy that again. Yes. Yeah. Yeah. Yeah. We're talking about transitioning. Yep. Thank you. Oh, little bit. Little bit. There's only so much you need when you're this age. Yep. Mhmm. Yep. Yep. Two. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yeah. Mhmm. I'm just a salt rater. Mhmm. No. I haven't made any any contributions since I finished with Queensland Health. Yeah. Yeah. I've gotta pay that. That that's a given. I don't have a choice. Yeah. I did want to do that, but if I'm gonna start transitioning, do I need to do that? Mhmm. Yep. Yep. Yeah. Yeah. Yep. Mhmm. Mhmm. Mhmm. Yep. And what what does that mean? Alright. Yes. Gotcha. Yep. Yep. Right. Gotcha now. Mhmm. Oh, okay. Yep. Yep. Yep. I I don't have a lot sitting there because it just keeps moving. It just keeps going. I just keep paying paying bills and, you know, it comes in, goes out, comes in, goes out. And then when the bills when when the big bills come in, you know, the tax and all that stuff, then down she goes again, you know. So mhmm. So I do monthly invoicing, and then it's a two week turnaround to be paid. And that usually is most most of them are pretty pretty reg on on top of things and pay on time. Just the odd one that gets a bit behind that that I annoy. But otherwise, that that that's pretty that's pretty much how it goes. So at at the moment, I've had to use a lot of money for other things. Now I've gotta wait for money to come back in to replace that money that I've used out of my business to pay for other things. Yeah. I yeah. I I have been doing that, but it's changed now that I every I have to pay so much every quarter now. So every quarter, I've gotta pay out something like 13,000. So I think it's every quarter. I think it's every quarter. That's a lot, Yeah. 20 third. That's actually, it's usually my tax sits in around the twenty five March. So that's what it was last year. That's more. So I might have that wrong in my own head. It might only be twice a year. I don't know. I've got stuff. My accountant again about this because I'm I do forget things. Yeah. I've got yeah. Anyway, I'm seeing her tomorrow. We're having a conversation about all this stuff again tomorrow. Yeah. But yeah. Before I'd go in, I'd do my best, and then I'd get this whopping great bill. You know? And so then and then now, should they were telling me that so the last one I paid, 13,000. I said that that's basically what it'll be each time, but I I I feel like it was every quarter. Well, I'm thinking that's a lot. That's a lot a lot of money, but that's based on around a 150,000 a year. Yeah. Yeah. So it's probably it's probably what it is. I'm I probably just got quarter in my head. But anyway yeah. Yeah. But yeah. I I do know that I've got a I need do need to contribute because it does reduce my tax as well. So there's a lot of things I've gotta do that I haven't done because I like spending. I love my money. Mhmm. Yep. No. Yes. Yep. Got plenty of paper, but it's on in the bloom and pen with another thing. Oh, you do that. And then at least then if you send me an email, then when I go in to see my accountant tomorrow, I can show her that email as well. So we get she she gets in the same in the loop with me because I try to tell her stuff and I get it all mixed up. It's a bit more like I'm trying to do to you right now. Yeah. Yeah. Yeah. Yes. Yeah. Yep. Yep. Sorry. I'm listening. I'm I'm stuck with the service in the background. Yep. Yep. Mhmm. Yes. Yes. Yeah. Right. Yep. Mhmm. Yeah. Yeah. Yep. Yep. Yep. Okay. No worries. Yep. Mhmm. Yeah. Well, it's been a bit crazy, you know. It gets a bit scary actually because you wonder whether they're gonna start tapping into your bloody sofa. Yeah. Yep. Yeah. Because I'd do you do you do you think I'll grow much at all this year? Probably not. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. With with paying into the super, is it I mean, how do I actually go about actually paying into it? Mhmm. Uh-huh. No. That's what I want. Yep. Yep. Yep. Mhmm. Yep. Awesome. Yeah. Yeah. Because I really need that to be able I think that's half of why nothing's been done because no one's ever given up for me that that, you know, be paid way. You know? Because then if you got that and you just set it up, the money goes and you don't miss it. Yeah. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yep. Okay. Yep. Mhmm. Yep. Yep. Yep. Yeah. Okay. Is it at all possible that I mean, yeah, you put it in an email for me and send it to me. I'll show it to Heather. But if when I'm in with her, am I able to give you a quick call? Is that a no. Is that possible? No. Yeah. Yeah. Because, you know, sometimes stuff kinda goes in in one ear. It's I it's like I didn't have any Weetbix. It just floats on through. And I I so I don't always understand what's best for me. So sometimes it's better to talk to the people that have the the better a bit a bit more knowledge about what I'm supposed to be doing. You know what I mean? So yeah. But anyway, even if I I do I have a what time? I think it's nine 09:00 in the morning. Yep. Yeah. Yeah. Yeah. Yep. I will. I'll I'll give permission. I'll I'll I'll I'll do I have to have that in writing? Yeah. Yeah. Yeah. Okay. Alright. No worries. No. No. We'll we'll work on it. But that's yeah. It's not like it's a big, big hurry because I still gotta work for a while yet. Yep. Yep. Okay. Yep. Yep. Yeah. Yeah. Yeah. Yes. Yeah. Okay. That'd be great. Yep. No worries. Thank you. Yep. Okay. That'll be great. Welcome. You too. Thank you very much. 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Tommy. Good. I'm sorry I missed your call before. I was did you was it you that rang? Yeah.\n\nYeah. No. That's alright. Yeah. No.\n\nThat's alright. I'm just trying to guide my worker. No. And he was yelling at me, and I was like, I'm gonna take this call. Yeah.\n\nI'll just buy that again. Yes. Yeah. Yeah. Yeah.\n\nWe're talking about transitioning. Yep. Thank you. Oh, little bit. Little bit.\n\nThere's only so much you need when you're this age. Yep. Mhmm. Yep. Yep.\n\nTwo. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Yep. Yeah. Mhmm.\n\nI'm just a salt rater. Mhmm. No. I haven't made any any contributions since I finished with Queensland Health. Yeah.\n\nYeah. I've gotta pay that. That that's a given. I don't have a choice. Yeah.\n\nI did want to do that, but if I'm gonna start transitioning, do I need to do that? Mhmm. Yep. Yep. Yeah.\n\nYeah. Yep. Mhmm. Mhmm. Mhmm.\n\nYep. And what what does that mean? Alright. Yes. Gotcha.\n\nYep. Yep. Right. Gotcha now. Mhmm.\n\nOh, okay. Yep. Yep. Yep. I I don't have a lot sitting there because it just keeps moving.\n\nIt just keeps going. I just keep paying paying bills and, you know, it comes in, goes out, comes in, goes out. And then when the bills when when the big bills come in, you know, the tax and all that stuff, then down she goes again, you know. So mhmm. So I do monthly invoicing, and then it's a two week turnaround to be paid.\n\nAnd that usually is most most of them are pretty pretty reg on on top of things and pay on time. Just the odd one that gets a bit behind that that I annoy. But otherwise, that that that's pretty that's pretty much how it goes. So at at the moment, I've had to use a lot of money for other things. Now I've gotta wait for money to come back in to replace that money that I've used out of my business to pay for other things.\n\nYeah. I yeah. I I have been doing that, but it's changed now that I every I have to pay so much every quarter now. So every quarter, I've gotta pay out something like 13,000. So I think it's every quarter.\n\nI think it's every quarter. That's a lot, Yeah. 20 third. That's actually, it's usually my tax sits in around the twenty five March. So that's what it was last year.\n\nThat's more. So I might have that wrong in my own head. It might only be twice a year. I don't know. I've got stuff.\n\nMy accountant again about this because I'm I do forget things. Yeah. I've got yeah. Anyway, I'm seeing her tomorrow. We're having a conversation about all this stuff again tomorrow.\n\nYeah. But yeah. Before I'd go in, I'd do my best, and then I'd get this whopping great bill. You know? And so then and then now, should they were telling me that so the last one I paid, 13,000.\n\nI said that that's basically what it'll be each time, but I I I feel like it was every quarter. Well, I'm thinking that's a lot. That's a lot a lot of money, but that's based on around a 150,000 a year. Yeah. Yeah.\n\nSo it's probably it's probably what it is. I'm I probably just got quarter in my head. But anyway yeah. Yeah. But yeah.\n\nI I do know that I've got a I need do need to contribute because it does reduce my tax as well. So there's a lot of things I've gotta do that I haven't done because I like spending. I love my money. Mhmm. Yep.\n\nNo. Yes. Yep. Got plenty of paper, but it's on in the bloom and pen with another thing. Oh, you do that.\n\nAnd then at least then if you send me an email, then when I go in to see my accountant tomorrow, I can show her that email as well. So we get she she gets in the same in the loop with me because I try to tell her stuff and I get it all mixed up. It's a bit more like I'm trying to do to you right now. Yeah. Yeah.\n\nYeah. Yes. Yeah. Yep. Yep.\n\nSorry. I'm listening. I'm I'm stuck with the service in the background. Yep. Yep.\n\nMhmm. Yes. Yes. Yeah. Right.\n\nYep. Mhmm. Yeah. Yeah. Yep.\n\nYep. Yep. Okay. No worries. Yep.\n\nMhmm. Yeah. Well, it's been a bit crazy, you know. It gets a bit scary actually because you wonder whether they're gonna start tapping into your bloody sofa. Yeah.\n\nYep. Yeah. Because I'd do you do you do you think I'll grow much at all this year? Probably not. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. With with paying into the super, is it I mean, how do I actually go about actually paying into it?\n\nMhmm. Uh-huh. No. That's what I want. Yep.\n\nYep. Yep. Mhmm. Yep. Awesome.\n\nYeah. Yeah. Because I really need that to be able I think that's half of why nothing's been done because no one's ever given up for me that that, you know, be paid way. You know? Because then if you got that and you just set it up, the money goes and you don't miss it.\n\nYeah. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Okay.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYeah. Okay. Is it at all possible that I mean, yeah, you put it in an email for me and send it to me. I'll show it to Heather. But if when I'm in with her, am I able to give you a quick call?\n\nIs that a no. Is that possible? No. Yeah. Yeah.\n\nBecause, you know, sometimes stuff kinda goes in in one ear. It's I it's like I didn't have any Weetbix. It just floats on through. And I I so I don't always understand what's best for me. So sometimes it's better to talk to the people that have the the better a bit a bit more knowledge about what I'm supposed to be doing.\n\nYou know what I mean? So yeah. But anyway, even if I I do I have a what time? I think it's nine 09:00 in the morning. Yep.\n\nYeah. Yeah. Yeah. Yep. I will.\n\nI'll I'll give permission. I'll I'll I'll I'll do I have to have that in writing? Yeah. Yeah. Yeah.\n\nOkay. Alright. No worries. No. No.\n\nWe'll we'll work on it. But that's yeah. It's not like it's a big, big hurry because I still gotta work for a while yet. Yep. Yep.\n\nOkay. Yep. Yep. Yeah. Yeah.\n\nYeah. Yes. Yeah. Okay. That'd be great.\n\nYep. No worries. Thank you. Yep. Okay.\n\nThat'll be great. Welcome. You too. Thank you very much. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi, Tommy.","start":4.72,"end":5.46,"sentiment":"neutral","sentiment_score":0.21261361241340637},{"text":"Good.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.3974164724349976},{"text":"I'm sorry I missed your call before.","start":5.8399997,"end":7.7,"sentiment":"neutral","sentiment_score":-0.09304948310766901},{"text":"I was did you was it you that rang?","start":8.639999,"end":11.3,"sentiment":"neutral","sentiment_score":-0.05251521948311064},{"text":"Yeah.","start":12.48,"end":12.719999,"sentiment":"neutral","sentiment_score":0.029521066695451736}],"sentiment":"neutral","sentiment_score":-0.01359092965722084,"num_words":20,"start":4.72,"end":12.719999},{"sentences":[{"text":"Yeah.","start":12.719999,"end":13.219999,"sentiment":"neutral","sentiment_score":0.03232891112565994},{"text":"No.","start":15.735,"end":16.215,"sentiment":"neutral","sentiment_score":-0.09346255660057068},{"text":"That's 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just a salt rater.","start":163.105,"end":164.645,"sentiment":"neutral","sentiment_score":-0.03313718102872372},{"text":"Mhmm.","start":166.43,"end":166.93,"sentiment":"neutral","sentiment_score":0.0074707698076963425},{"text":"No.","start":170.59,"end":170.91,"sentiment":"neutral","sentiment_score":-0.23878417909145355},{"text":"I haven't made any any contributions since I finished with Queensland Health.","start":170.91,"end":175.97,"sentiment":"neutral","sentiment_score":-0.2604863780240218},{"text":"Yeah.","start":189.695,"end":190.015,"sentiment":"neutral","sentiment_score":-0.06564410030841827}],"sentiment":"neutral","sentiment_score":-0.17942399755120278,"num_words":20,"start":163.105,"end":190.015},{"sentences":[{"text":"Yeah.","start":190.015,"end":190.335,"sentiment":"neutral","sentiment_score":-0.08566808700561523},{"text":"I've gotta pay that.","start":190.335,"end":191.4,"sentiment":"neutral","sentiment_score":-0.18334970623254776},{"text":"That that's a 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what what does that mean?","start":269.535,"end":271.95502,"sentiment":"neutral","sentiment_score":-0.011464633358021578},{"text":"Alright.","start":275.77502,"end":276.27502,"sentiment":"neutral","sentiment_score":0.05583149939775467},{"text":"Yes.","start":276.65,"end":277.12997,"sentiment":"neutral","sentiment_score":0.01556992158293724},{"text":"Gotcha.","start":277.12997,"end":277.62997,"sentiment":"neutral","sentiment_score":-0.10287391394376756}],"sentiment":"neutral","sentiment_score":-0.0051176240667700785,"num_words":10,"start":269.135,"end":277.62997},{"sentences":[{"text":"Yep.","start":278.56998,"end":279.06998,"sentiment":"neutral","sentiment_score":-0.158845916390419},{"text":"Yep.","start":279.28998,"end":279.78998,"sentiment":"neutral","sentiment_score":-0.3068090081214905},{"text":"Right.","start":280.49,"end":280.88998,"sentiment":"neutral","sentiment_score":0.04809446632862091},{"text":"Gotcha now.","start":280.88998,"end":281.78998,"sentiment":"neutral","sentiment_score":0.040527477860450745},{"text":"Mhmm.","start":300.425,"end":300.925,"sentiment":"neutral","sentiment_score":0.0992271900177002}],"sentiment":"neutral","sentiment_score":-0.039546385407447815,"num_words":6,"start":278.56998,"end":300.925},{"sentences":[{"text":"Oh, okay.","start":311.08002,"end":311.74002,"sentiment":"neutral","sentiment_score":0.058011895045638084},{"text":"Yep.","start":315.08002,"end":315.58002,"sentiment":"neutral","sentiment_score":-0.03247976303100586},{"text":"Yep.","start":315.96002,"end":316.36002,"sentiment":"neutral","sentiment_score":0.053992874920368195},{"text":"Yep.","start":316.36002,"end":316.86002,"sentiment":"neutral","sentiment_score":0.04185102880001068},{"text":"I I don't have a lot sitting there because it just keeps moving.","start":328.345,"end":332.2,"sentiment":"neutral","sentiment_score":-0.2199317285647759}],"sentiment":"neutral","sentiment_score":-0.14887358558674654,"num_words":18,"start":311.08002,"end":332.2},{"sentences":[{"text":"It just keeps going.","start":332.2,"end":333.58,"sentiment":"neutral","sentiment_score":-0.20831695944070816},{"text":"I just keep paying paying bills and, you know, it comes in, goes out, comes in, goes out.","start":334.84,"end":342.22,"sentiment":"neutral","sentiment_score":-0.08336580441229874},{"text":"And then when the bills when when the big bills come in, you know, the tax and all that stuff, then down she goes again, you know.","start":343.48,"end":351.875,"sentiment":"neutral","sentiment_score":-0.049894575443532735},{"text":"So mhmm.","start":351.92502,"end":358.275,"sentiment":"neutral","sentiment_score":-0.059867072850465775},{"text":"So I do monthly invoicing, and then it's a two week turnaround to be 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money that I've used out of my business to pay for other things.","start":407.58502,"end":415.265,"sentiment":"neutral","sentiment_score":-0.19127284062023348}],"sentiment":"neutral","sentiment_score":-0.12892586399208417,"num_words":88,"start":381.595,"end":415.265},{"sentences":[{"text":"Yeah.","start":415.265,"end":415.765,"sentiment":"neutral","sentiment_score":0.014088919386267662},{"text":"I yeah.","start":418.09,"end":427.29,"sentiment":"neutral","sentiment_score":-0.006512814201414585},{"text":"I I have been doing that, but it's changed now that I every I have to pay so much every quarter now.","start":427.29,"end":434.845,"sentiment":"neutral","sentiment_score":-0.06310221569781954},{"text":"So every quarter, I've gotta pay out something like 13,000.","start":434.98502,"end":439.24503,"sentiment":"neutral","sentiment_score":-0.004513912089169026},{"text":"So I think it's every 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again about this because I'm I do forget things.","start":476.84998,"end":480.62997,"sentiment":"neutral","sentiment_score":-0.06711569665507837},{"text":"Yeah.","start":482.21,"end":482.53,"sentiment":"neutral","sentiment_score":0.016288481652736664},{"text":"I've got yeah.","start":482.53,"end":484.22998,"sentiment":"neutral","sentiment_score":0.04711253816882769},{"text":"Anyway, I'm seeing her tomorrow.","start":484.44998,"end":486.06998,"sentiment":"neutral","sentiment_score":0.16129653304815292},{"text":"We're having a conversation about all this stuff again tomorrow.","start":486.84998,"end":489.83,"sentiment":"neutral","sentiment_score":0.1887626975774765}],"sentiment":"neutral","sentiment_score":0.07044876913229624,"num_words":30,"start":476.84998,"end":489.83},{"sentences":[{"text":"Yeah.","start":492.43503,"end":492.93503,"sentiment":"positive","sentiment_score":0.43815532326698303},{"text":"But 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great.","start":1302.28,"end":1303.1,"sentiment":"positive","sentiment_score":0.7527951002120972},{"text":"Welcome.","start":1304.92,"end":1305.42,"sentiment":"positive","sentiment_score":0.7061280012130737},{"text":"You too.","start":1306.68,"end":1307.16,"sentiment":"positive","sentiment_score":0.6353897154331207},{"text":"Thank you very much.","start":1307.16,"end":1308.2,"sentiment":"positive","sentiment_score":0.8006705492734909},{"text":"Bye bye.","start":1308.2,"end":1308.78,"sentiment":"positive","sentiment_score":0.3780621588230133}],"sentiment":"positive","sentiment_score":0.6828416039546331,"num_words":12,"start":1302.28,"end":1308.78}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Jeanette. Tommy here, senior adviser. How are you going?\n\nChannel 1: Hi, Tommy. Good. I'm sorry I missed your call before. I was\n\nChannel 0: That's no\n\nChannel 1: did\n\nChannel 0: worries\n\nChannel 1: you was\n\nChannel 0: at all.\n\nChannel 1: it you that rang?\n\nChannel 0: Yeah. Yeah. And some\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: our digital phone system, it calls from different numbers and things like that. So I\n\nChannel 1: No.\n\nChannel 0: thought I'd just\n\nChannel 1: That's\n\nChannel 0: leave you a voice message, and thank you for calling back.\n\nChannel 1: alright. Yeah. No. That's alright. I'm just trying to guide my worker.\n\nNo. And he was yelling at me, and I was like, I'm gonna take this call. Yeah.\n\nChannel 0: No worries at all. Is it still a good time to have a chat about this transition strategy?\n\nChannel 1: I'll just buy that again. Yes. Yeah. Yeah. Yeah.\n\nWe're talking about transitioning.\n\nChannel 0: Yeah. So I was going through the notes on the file, and and we'd had a conversation before about when you turned 60. Obviously, happy birthday for starters.\n\nChannel 1: Yep.\n\nChannel 0: I hope you\n\nChannel 1: Thank\n\nChannel 0: had a good\n\nChannel 1: you.\n\nChannel 0: sixth year. Did you get spoiled and looked after? Was it monumental?\n\nChannel 1: Oh, little bit. Little bit.\n\nChannel 0: Little bit.\n\nChannel 1: There's only so much you need when you're this age.\n\nChannel 0: Fair enough. Fair enough. Now because you've hit your preservation age, you've got access\n\nChannel 1: Yep.\n\nChannel 0: to that new transition strategy. So\n\nChannel 1: Mhmm.\n\nChannel 0: what I thought I would do to start with is just quickly recap kind of what it is, and then\n\nChannel 1: Yep.\n\nChannel 0: we'll kinda see what we may be able to do and update some of your strategies. Is that alright?\n\nChannel 1: Yep. Two.\n\nChannel 0: Perfect. So when you hit 60, you can essentially access part of your super now in a transition\n\nChannel 1: Yep.\n\nChannel 0: pension. So, normally, what happens is you retire, you put your super into a pension, you can start taking money out. But if you're still working and you've hit preservation age, you can access a transition pension, which lets you take out up to 10% of your super. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Now the whole point behind this strategy is if you can kind of put money into your super and pull it back out again, there's a tax difference. So because of your marginal tax rate being, say, 32 or 37%, you can put money into your super. It's only taxed 15. So what it\n\nChannel 1: Mhmm.\n\nChannel 0: really means is you can put, like, a $100 in. It only costs you $70 in your take home pay, but then you can pull $70 out of your super to top your income back up again.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So it kind of gets you the same income, but that little tax difference goes in to boost up your super. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Now just to kind of check a couple details with you, with the cleaning business and everything, I wanted to just\n\nChannel 1: Yeah.\n\nChannel 0: clarify a couple of things because my notes are a little bit new system. It's a little bit janky.\n\nChannel 1: Mhmm.\n\nChannel 0: You're essentially are you employed by your own business, or are you just kind of like a sole trader?\n\nChannel 1: I'm just a salt rater.\n\nChannel 0: Sole trader. Now with\n\nChannel 1: Mhmm.\n\nChannel 0: your q super account, are you making contributions?\n\nChannel 1: No. I haven't made any any contributions since I finished with Queensland Health.\n\nChannel 0: Yep. So when it comes to, like, contributions themselves, you would normally pull aside, I guess, your income. And are you kind of putting aside for income tax each month and quarter?\n\nChannel 1: Yeah. Yeah. I've gotta pay that. That that's a given. I don't have a choice.\n\nChannel 0: Yes. 100%. So\n\nChannel 1: Yeah.\n\nChannel 0: one of the things I'll check first is, are you wanting to do any kind of contributions into super just in general?\n\nChannel 1: I did want to do that, but if I'm gonna start transitioning, do I need to do that?\n\nChannel 0: Yeah. We usually work it in in tandem, and\n\nChannel 1: Mhmm.\n\nChannel 0: so there's a there's a couple of really cool options for you. Now when you go to put the money into super, you know how normally your employer would kind of pay it into your account in\n\nChannel 1: Yep.\n\nChannel 0: the background?\n\nChannel 1: Yep.\n\nChannel 0: Well, if you're a sole trader, you've got to kind of make those transactions yourself through, like,\n\nChannel 1: Yeah.\n\nChannel 0: BPAY or EFT.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So because you've got 237,000 in your hub account and a little bit\n\nChannel 1: Mhmm.\n\nChannel 0: over in q super, that means\n\nChannel 1: Mhmm.\n\nChannel 0: that we could safely pull out, say, even up to $23,000 we could get out for this contribution strategy. Now what I'm kind of thinking, Jeanette, is\n\nChannel 1: Mhmm.\n\nChannel 0: if nothing's currently going in, this financial year, you've got a a cap of $30,000, and next financial year, the concessional cap goes up to 32 and a half.\n\nChannel 1: Yep. And what what does that mean?\n\nChannel 0: So that's the maximum that you can put in just in\n\nChannel 1: Alright.\n\nChannel 0: total. Whether\n\nChannel 1: Yes.\n\nChannel 0: it's pulling\n\nChannel 1: Gotcha.\n\nChannel 0: money out, putting it back in again,\n\nChannel 1: Yep.\n\nChannel 0: we can't go\n\nChannel 1: Yep.\n\nChannel 0: over that much.\n\nChannel 1: Right. Gotcha now.\n\nChannel 0: So because if I give you a bit of an idea of a maximum maximum strategy, let's say just for argument's sake that you have $30,000 laying around. If you put in $30,000 into your super, based on how much tax you would have to pay on your income tax, you\n\nChannel 1: Mhmm.\n\nChannel 0: could pretty much pull out 19,000 from the super account. And once you've paid all your taxes and everything, it would kind of all iron out in the washes the same amount.\n\nChannel 1: Oh, okay.\n\nChannel 0: And there'd be an extra $10 sitting in the super almost minus a bit of\n\nChannel 1: Yep.\n\nChannel 0: tax.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K? Now I wanna kind of be gauged by you a little bit in terms of how much you've actually got sitting in business bank accounts, pulling aside your tax off to the side.\n\nChannel 1: I I don't have a lot sitting there because it just keeps moving. It just keeps going.\n\nChannel 0: Yeah.\n\nChannel 1: I just keep paying paying bills and, you know, it comes in, goes\n\nChannel 0: Yeah.\n\nChannel 1: out, comes in, goes out. And then when\n\nChannel 0: So\n\nChannel 1: the bills when when the big bills come in, you know, the tax and all that stuff, then down she goes again, you know. So\n\nChannel 0: Exactly right. So I'll have to be a bit careful with what I recommend because I wanna make sure it works for your cash flow, and I wanna\n\nChannel 1: mhmm.\n\nChannel 0: kind of go overboard trying to get you the maximum benefit if it's gonna really mess with your week to week. So we can definitely start smaller as well. How consistent is kind of the income and invoicing for you? Does it fluctuate how wildly does it fluctuate?\n\nChannel 1: So I do monthly invoicing, and\n\nChannel 0: Yeah.\n\nChannel 1: then it's a two week turnaround to be paid. And\n\nChannel 0: Okay.\n\nChannel 1: that usually is most most of them are pretty pretty reg on on top of things and\n\nChannel 0: Yep.\n\nChannel 1: pay on time. Just the odd one that gets a bit behind that that I annoy.\n\nChannel 0: Yeah. And when we\n\nChannel 1: But\n\nChannel 0: had\n\nChannel 1: otherwise,\n\nChannel 0: your total\n\nChannel 1: that that\n\nChannel 0: income\n\nChannel 1: that's\n\nChannel 0: set\n\nChannel 1: pretty\n\nChannel 0: at\n\nChannel 1: that's\n\nChannel 0: a 100\n\nChannel 1: pretty\n\nChannel 0: and\n\nChannel 1: much how it goes. So at at the moment, I've had to use a lot of money for other things. Now I've gotta wait for money to come back in to replace that money that I've used out of my business\n\nChannel 0: Oh,\n\nChannel 1: to\n\nChannel 0: gotcha.\n\nChannel 1: pay for other things. Yeah.\n\nChannel 0: Okay. Do you\n\nChannel 1: I\n\nChannel 0: feel like that once the end of financial year comes around that you'll be getting a bit of a a tax bill for the income tax and have to kind of pay it off over time, or do you think you'll\n\nChannel 1: yeah.\n\nChannel 0: have the\n\nChannel 1: I\n\nChannel 0: money there?\n\nChannel 1: I have been doing that, but it's changed now that I every I have to pay so much every quarter now. So every quarter, I've gotta pay out something like 13,000. So\n\nChannel 0: Okay.\n\nChannel 1: I think it's every quarter. I think it's every quarter. That's a lot,\n\nChannel 0: Perfect. Yeah. It is. And does that\n\nChannel 1: Yeah.\n\nChannel 0: kind of\n\nChannel 1: 20\n\nChannel 0: count like\n\nChannel 1: third. That's\n\nChannel 0: a\n\nChannel 1: actually,\n\nChannel 0: payment\n\nChannel 1: it's\n\nChannel 0: plan?\n\nChannel 1: usually my tax sits in around the twenty five March. So\n\nChannel 0: For\n\nChannel 1: that's what\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: year?\n\nChannel 1: was last year.\n\nChannel 0: 25 for the year. And you're paying 13 a quarter for the\n\nChannel 1: That's\n\nChannel 0: income tax\n\nChannel 1: more.\n\nChannel 0: liability?\n\nChannel 1: So I might have that wrong in my own head. It might only be twice a year. I don't know. I've got stuff. My accountant again about this because I'm I do forget things.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: K.\n\nChannel 1: I've got yeah. Anyway, I'm seeing her tomorrow. We're having a conversation about all this stuff again tomorrow. Yeah.\n\nChannel 0: Perfect. What\n\nChannel 1: But\n\nChannel 0: we can do then\n\nChannel 1: yeah. Before I'd go in, I'd do my best, and then I'd get this whopping great bill. You know? And so then and then now, should they were telling me that so the last one I paid, 13,000. I said that that's basically what it'll be each time, but I I I feel like it was every quarter.\n\nWell, I'm thinking that's a lot. That's a lot a lot of money, but that's based on around a 150,000 a year.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And that's what I was thinking. A 150 is what we kinda had total for the year, and 13 every six months gets you close to that 26. So that kind of makes a bit more sense.\n\nChannel 1: Yeah. So it's probably it's probably what it is. I'm I probably just got quarter in my head.\n\nChannel 0: Yeah. A lot\n\nChannel 1: But\n\nChannel 0: of\n\nChannel 1: anyway\n\nChannel 0: things are quarterly these days, so that makes sense.\n\nChannel 1: yeah. Yeah. But yeah.\n\nChannel 0: K.\n\nChannel 1: I I do know that I've got a I need do need to contribute because it does reduce my tax\n\nChannel 0: Yeah.\n\nChannel 1: as well. So there's a lot of things I've gotta do that I haven't done because I like spending.\n\nChannel 0: Yeah.\n\nChannel 1: I love\n\nChannel 0: No.\n\nChannel 1: my\n\nChannel 0: That's\n\nChannel 1: money.\n\nChannel 0: fair enough. Me too. Me too. What I might do is yes. So the idea of doing a little bit of contributions makes sense even if it's small amounts, but you need to make sure that you're okay just on living and your usual tax liabilities.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's\n\nChannel 1: Yep.\n\nChannel 0: the most important thing. One thing that we can do is I might go for a bit of a minimum strategy with you just to kind of start you off. So\n\nChannel 1: No.\n\nChannel 0: are you did you say you're seeing your account tomorrow?\n\nChannel 1: Yes. Yep.\n\nChannel 0: K. So what I'm thinking is would you you don't happen to have a pen and paper handy, do you?\n\nChannel 1: Got plenty of paper, but it's on in the bloom and pen with another thing.\n\nChannel 0: That's okay. I can always just send you a little bit of an email.\n\nChannel 1: Oh, you\n\nChannel 0: What\n\nChannel 1: do that. And then at\n\nChannel 0: yeah?\n\nChannel 1: least then if you send me an email, then when I go in to see my accountant tomorrow, I can show her that email as well. So we get she she gets in the same in the loop with me because I try to tell her stuff and I get it all mixed up. It's a bit more like I'm trying to do to you right now.\n\nChannel 0: No. That's fine. This is really helpful information. So what I'm thinking is if I go for a bit of a minimum strategy because one of the things too is we need to make sure that your your super is still growing, and we don't just kind of pull it out. And then it just pulls out, and then all of a sudden it starts going down.\n\nDo you know what I mean?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So one thing you can do is if I go off the minimum, let's say we had 230,000 sitting in a pension account. You pull out about 9,200 a year, which works out to be 766 a month that can come out pretty cleanly.\n\nChannel 1: Yes.\n\nChannel 0: Now if that 766 comes out, let's just say everything is rolling very well with putting aside for income tax, you could essentially put in about 900 to 1,000 a month into the super and be topped up by that 766. And then once you go to pay your income tax, you may have spent, say, $800 and gotten $7.60 back and maybe a $40 less in the pocket once all is said and done.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But for that $40, you get just under a thousand dollars goes into your super account every month.\n\nChannel 1: Yep. Sorry. I'm listening. I'm I'm stuck with\n\nChannel 0: No.\n\nChannel 1: the\n\nChannel 0: That's\n\nChannel 1: service\n\nChannel 0: totally\n\nChannel 1: in the\n\nChannel 0: fine.\n\nChannel 1: background.\n\nChannel 0: So what I'm gonna do is I'm gonna send you a little bit of an email, and I wanna\n\nChannel 1: Yep.\n\nChannel 0: split into two things.\n\nChannel 1: Yep.\n\nChannel 0: The idea of just generally putting a little bit into super even if it's $50 a week\n\nChannel 1: Mhmm.\n\nChannel 0: versus pulling out 760 and putting a thousand in and just seeing how that would actually go for the bookkeeping. Because\n\nChannel 1: Yes.\n\nChannel 0: if you need another three or six months until the bookkeeping's kind of smoother before we start that, that's fine.\n\nChannel 1: Yes.\n\nChannel 0: But if bookkeeping permits and you and your accountant will be able to comfortably manage that going in and out, that's really gonna help things over the next seven years.\n\nChannel 1: Yeah. Right.\n\nChannel 0: K? So\n\nChannel 1: Yep.\n\nChannel 0: we don't have to fly into it too quickly. Part of my job is to make sure that whatever we start doing is is comfortable for your life. I'm just\n\nChannel 1: Mhmm.\n\nChannel 0: coming up with, I think, two suitable ideas, and we just wanna see, is it practical come end of financial year? If not, do we put a pause on it for three or six months and then try and start it up maybe closer to Christmas time?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: K? So I'll shoot you an email, have a chat\n\nChannel 1: Yep.\n\nChannel 0: to your accountant, and then if you can just get back to me with whether this sounds practical or if\n\nChannel 1: Yep.\n\nChannel 0: you wanna put a pin in it, that would be fantastic.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Can\n\nChannel 1: No\n\nChannel 0: you do\n\nChannel 1: worries.\n\nChannel 0: that for me?\n\nChannel 1: Yep.\n\nChannel 0: Amazing.\n\nChannel 1: Mhmm.\n\nChannel 0: Outside of that, we've already kind of got you teed up for that kind of Christmas chat to see how everything's going, bit of a biannual catch up, and we just kinda need to let the the world simmer down a little bit. All the talks\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Well, it's been a bit crazy, you know. It gets a bit scary actually because you wonder whether they're gonna start tapping into your bloody sofa. Yeah.\n\nChannel 0: Yeah. You never know. Hopefully, they don't. Hopefully, they can sort these problems out in most other ways. But, you know, one day, that sort of thing may happen one day.\n\nBut at the moment, between the the wars and talk of more more pandemics at risk, things are happening. So we just need to let let things kind of play out a little bit for this year and\n\nChannel 1: Yep.\n\nChannel 0: so we can kind of get back to growing once everything's settled down a little bit.\n\nChannel 1: Yeah. Because I'd do you do you do you think I'll grow much at all this year? Probably not.\n\nChannel 0: Well, it's kind of just been bouncing up and down, up and down, up and down since you came on board, and that's pretty normal. I'm I'm really glad that you're in that balanced risk profile because if you were in high risk, you'd be negative right now. You're still sitting kind of flat, which is good. And\n\nChannel 1: Yep.\n\nChannel 0: if the usual thing happens where in a few months' time, there is a bit of settling, like, the the issues weren't resolved, but if it settles to a pattern, then the stock market tends to go back up, and then all of a sudden your soup is up seven to 10%.\n\nChannel 1: Yep.\n\nChannel 0: So that's very possible, or it kind of just stays flat for the year, and then hopefully after that, it goes up again. But the good thing for you, Jeanette, is because you've got that kind of seven years, that's usually what we call, like, a market cycle. And if you're in the middle\n\nChannel 1: Yep.\n\nChannel 0: of a crisis now, the actually, the best time for you to be having a crisis is now because five or six years of steady growth after it is kind of exactly what you need. So you'd rather\n\nChannel 1: Yep.\n\nChannel 0: have one now than in five years' time just before you retire.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And then for us, that kind of means that if it happens this year, it's a bit of a buying opportunity. And if we can get some things rolling this year and next year,\n\nChannel 1: Yep.\n\nChannel 0: you stand a pretty good chance of getting some really good growth afterwards.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: So fingers crossed, there's no extended issues that last for eighteen months or two years. But other than that, we've got you in a nice balanced fund, so the risk isn't too crazy. When the markets go up, this portfolio has had some really good growth. I've seen some clients up 15%, which is lovely for the usual seven or eight that we're aiming for. And then it's just about getting a handle on the bookkeeping.\n\nAnd if you can really work with your accountant to make sure that gets smooth over the next year or so,\n\nChannel 1: Yep.\n\nChannel 0: we can\n\nChannel 1: Yeah.\n\nChannel 0: do a\n\nChannel 1: Yep.\n\nChannel 0: couple\n\nChannel 1: Yep.\n\nChannel 0: little things in the background and get you going a little bit quicker.\n\nChannel 1: Yeah. With with paying into the super, is it I mean, how do I actually go about actually paying into\n\nChannel 0: Yeah. So when we send you through some payment details, it gives\n\nChannel 1: it?\n\nChannel 0: you\n\nChannel 1: Mhmm.\n\nChannel 0: the BPA details and EFT details.\n\nChannel 1: Uh-huh.\n\nChannel 0: And\n\nChannel 1: No.\n\nChannel 0: then,\n\nChannel 1: That's what I want. Yep.\n\nChannel 0: yep, and then you basically set up, like, a recurring transaction\n\nChannel 1: Yep.\n\nChannel 0: that pops out every month or so. And\n\nChannel 1: Yep.\n\nChannel 0: once we get to end of financial year, we basically fill in a form called a notice of intent claim form with you, which\n\nChannel 1: Mhmm.\n\nChannel 0: just says, hey. I put $4 in. I would like to claim that as deductible. And then that super fund sends that code off to the tax office, and then that's ready to go for your tax return.\n\nChannel 1: Yep. Awesome. Yeah. Yeah. Because I really need that to be able I think that's half of why nothing's been done because no one's ever given up for me that that, you know, be paid way.\n\nYou know?\n\nChannel 0: Yeah.\n\nChannel 1: Because then if you got that and you just set it up, the money goes and you don't miss it.\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: I really I'll try and send you this email today. Have a chat to your accountant tomorrow. I'll send you those BPAY details just so you have them.\n\nChannel 1: Yep.\n\nChannel 0: And then the two things are, if you can maybe try and set up a small little debit in just\n\nChannel 1: Mhmm.\n\nChannel 0: to start\n\nChannel 1: Yep.\n\nChannel 0: with, we can give that\n\nChannel 1: Yep.\n\nChannel 0: a go.\n\nChannel 1: Yep.\n\nChannel 0: And even if you set it up for July, like, you don't have to like, okay. If you wanna do a lump sum before the end of financial year to reduce your tax, that's one thing.\n\nChannel 1: Yep.\n\nChannel 0: But if it\n\nChannel 1: Mhmm.\n\nChannel 0: works smoother for your cash flow just to do a regular small amount come July, that's cool\n\nChannel 1: Yep.\n\nChannel 0: too.\n\nChannel 1: Okay.\n\nChannel 0: K. So I'll put that in the email too, whether we do a lump sum or small amount. And then there's the idea of the transition strategy, which\n\nChannel 1: Yep.\n\nChannel 0: I just wanna ask your accountant if they think based on your bookkeeping whether it's practical or if we should\n\nChannel 1: Mhmm.\n\nChannel 0: pause.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Okay. Is it at all possible that I mean, yeah, you put it in an email for me and send it to me. I'll show it to Heather.\n\nChannel 0: Yep.\n\nChannel 1: But if when I'm in with her, am I able to give you a quick call?\n\nChannel 0: Always. Always.\n\nChannel 1: Is that a no.\n\nChannel 0: Except\n\nChannel 1: Is that possible?\n\nChannel 0: if I'm in with another client, I won't be able to help you. But\n\nChannel 1: No.\n\nChannel 0: I would be more than happy to liaise with with Heather, whether it's over email or a quick\n\nChannel 1: Yeah.\n\nChannel 0: call afterwards or while you're there.\n\nChannel 1: Yeah. Because,\n\nChannel 0: It's just\n\nChannel 1: you know,\n\nChannel 0: tomorrow's\n\nChannel 1: sometimes\n\nChannel 0: looking a\n\nChannel 1: stuff\n\nChannel 0: little\n\nChannel 1: kinda\n\nChannel 0: bit rough.\n\nChannel 1: goes in in one ear. It's I it's like I didn't have any Weetbix. It just floats on through. And I\n\nChannel 0: Yeah.\n\nChannel 1: I so I don't always understand what's best for me. So sometimes it's better to talk to the people that have the the better a bit a bit more knowledge about what I'm supposed to be doing.\n\nChannel 0: Yeah.\n\nChannel 1: You know what I mean? So yeah. But anyway,\n\nChannel 0: Do you have\n\nChannel 1: even\n\nChannel 0: an appointment\n\nChannel 1: if\n\nChannel 0: set for tomorrow, like\n\nChannel 1: I\n\nChannel 0: a time?\n\nChannel 1: I do I have a what time? I think it's nine 09:00 in the morning.\n\nChannel 0: K. I mean, I might\n\nChannel 1: Yep.\n\nChannel 0: be able to jump on the phone at about 09:30 for a few minutes or even catch them afterwards and and give them a buzz if you give permission.\n\nChannel 1: Yeah. Yeah. Yeah. Yep. I will.\n\nI'll I'll give permission. I'll I'll I'll I'll do I have to have that in writing?\n\nChannel 0: It depends. Like, when you go through, like, somebody's financial details, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: there's details that you provide to us. And if you're wanting to release like, do a release authority between two companies, that's usually in writing. But if we're just having a bit of a bit of a chat, that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: I'll try to be obviously careful of privacy policy and so on, but that's why I'll put a few things in an email as well.\n\nChannel 1: Yeah. Okay. Alright. No\n\nChannel 0: K.\n\nChannel 1: worries.\n\nChannel 0: Alright. Any questions on that? I know we haven't kind of finalized an idea just yet. We're getting closer and\n\nChannel 1: No.\n\nChannel 0: closer, but any questions?\n\nChannel 1: No. We'll we'll work on it. But that's yeah. It's not like it's a big, big hurry because I still gotta work for a while yet.\n\nChannel 0: Yeah. And like I said, I'm kind of cutting down to a short list of two or three ideas, and I'm just trying\n\nChannel 1: Yep.\n\nChannel 0: to refine it gradually over time until we find what clicks for you. And that's what we kind of run with.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool. Alright. I'll actually try and write that email up to you right now straight away so you have it. And I'll put in my calendar that there might be a bit of a phone call popping through at 09:30.\n\nChannel 1: Yep.\n\nChannel 0: And I'm just gonna pop a little thing in there. And even if we do a bit of a joint joint phone call, you can put me on speakerphone or something. That would be nice. But if not, I can always kind of liaise with you guys afterwards. That's no\n\nChannel 1: Yeah.\n\nChannel 0: trouble.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But, yeah, I would love to have a chat with with Heather as needed. And all we're really looking for is a couple of ideas about whether she thinks it's practical or not, and then we can go from there.\n\nChannel 1: Yes. Yeah. Okay. That'd be great.\n\nChannel 0: Sensitive. Alrighty. I will leave you to it, Jeanette. Thank you\n\nChannel 1: Yep.\n\nChannel 0: so much for taking the time with me today.\n\nChannel 1: No worries. Thank\n\nChannel 0: And\n\nChannel 1: you.\n\nChannel 0: if you have any questions off that email, just let us know. But if not, I'll see if I hear from you tomorrow morning. And if not, I might get the team to do a bit of a follow-up with you\n\nChannel 1: Yep.\n\nChannel 0: next week.\n\nChannel 1: Okay. That'll be great.\n\nChannel 0: Lovely. Lovely. Alright. You\n\nChannel 1: Welcome.\n\nChannel 0: have a fantastic day.\n\nChannel 1: You too. Thank you very much. Bye bye.\n\nChannel 0: Thank you, Jenev. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Jeanette.","start":1.36,"end":2.3999999,"sentiment":"positive","sentiment_score":0.4766843418280284},{"text":"Tommy here, senior adviser.","start":2.3999999,"end":3.84,"sentiment":"positive","sentiment_score":0.347916804254055},{"text":"How are you going?","start":3.84,"end":4.9,"sentiment":"positive","sentiment_score":0.3814239203929901}],"sentiment":"positive","sentiment_score":0.39521962946111505,"channel":0,"num_words":11,"start":1.36,"end":4.9},{"sentences":[{"text":"Hi, Tommy.","start":4.72,"end":5.46,"sentiment":"neutral","sentiment_score":0.21261361241340637},{"text":"Good.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.3974164724349976},{"text":"I'm sorry I missed your call before.","start":5.8399997,"end":7.7,"sentiment":"neutral","sentiment_score":-0.09304948310766901},{"text":"I 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great.","start":1302.28,"end":1303.1,"sentiment":"positive","sentiment_score":0.7527951002120972}],"sentiment":"positive","sentiment_score":0.6503158062696457,"channel":1,"num_words":4,"start":1301.665,"end":1303.1},{"sentences":[{"text":"Lovely.","start":1303.85,"end":1304.25,"sentiment":"positive","sentiment_score":0.8505280613899231},{"text":"Lovely.","start":1304.25,"end":1304.65,"sentiment":"positive","sentiment_score":0.8156107068061829},{"text":"Alright.","start":1304.65,"end":1304.89,"sentiment":"positive","sentiment_score":0.68607497215271},{"text":"You","start":1304.89,"end":1305.05,"sentiment":"positive","sentiment_score":0.7532853484153748}],"sentiment":"positive","sentiment_score":0.7763747721910477,"channel":0,"num_words":4,"start":1303.85,"end":1305.05},{"sentences":[{"text":"Welcome.","start":1304.92,"end":1305.42,"sentiment":"positive","sentiment_score":0.7061280012130737}],"sentiment":"positive","sentiment_score":0.7061280012130737,"channel":1,"num_words":1,"start":1304.92,"end":1305.42},{"sentences":[{"text":"have a fantastic day.","start":1305.05,"end":1306.43,"sentiment":"positive","sentiment_score":0.7959775030612946}],"sentiment":"positive","sentiment_score":0.7959775030612946,"channel":0,"num_words":4,"start":1305.05,"end":1306.43},{"sentences":[{"text":"You too.","start":1306.68,"end":1307.16,"sentiment":"positive","sentiment_score":0.6353897154331207},{"text":"Thank you very much.","start":1307.16,"end":1308.2,"sentiment":"positive","sentiment_score":0.8006705492734909},{"text":"Bye bye.","start":1308.2,"end":1308.78,"sentiment":"positive","sentiment_score":0.3780621588230133}],"sentiment":"positive","sentiment_score":0.653698243200779,"channel":1,"num_words":8,"start":1306.68,"end":1308.78},{"sentences":[{"text":"Thank you, Jenev.","start":1308.49,"end":1309.29,"sentiment":"positive","sentiment_score":0.6718482772509257},{"text":"Bye.","start":1309.29,"end":1309.79,"sentiment":"neutral","sentiment_score":-0.10848446190357208}],"sentiment":"positive","sentiment_score":0.47676509246230125,"channel":0,"num_words":4,"start":1308.49,"end":1309.79}]},"summary":{"result":"success","short":"A senior adviser discusses Jeanette's retirement strategy with her, explaining that she can access a transition pension and tax savings program. The speaker suggests retirement plans and emphasizes the importance of settling risk and a balanced risk profile. They also discuss a maximum contribution strategy and the possibility of setting up a small debit to reduce taxes. The conversation ends with a promise to send an email with more information and follow-up."},"intents":{"segments":[{"text":"what I thought I would do to start with is just quickly recap kind of what it is, and then Yep. we'll kinda see what we may be able to do and update some of your strategies. Is that alright? Yep.","start_word":221,"end_word":261,"intents":[{"intent":"Recap and update strategies","confidence_score":0.0062372023}]},{"text":"So when you hit 60, you can essentially access part of your super now in a transition Yep. pension. So, normally, what happens is you retire, you put your super into a pension, you can start taking money out. But if you're still working and you've hit preservation age, you can access a transition pension, which lets you take out up to 10% of your super. Does that make sense? Yep.","start_word":264,"end_word":334,"intents":[{"intent":"Access transition pension","confidence_score":0.81173086}]},{"text":"Now the whole point behind this strategy is if you can kind of put money into your super and pull it back out again, there's a tax difference.","start_word":336,"end_word":363,"intents":[{"intent":"Clarify super contribution strategy","confidence_score":0.00020816577}]},{"text":"So that's the maximum that you can put in just in Alright.","start_word":799,"end_word":810,"intents":[{"intent":"Calculate maximum strategy","confidence_score":0.0052937753}]},{"text":"How consistent is kind of the income and invoicing for you?","start_word":1098,"end_word":1108,"intents":[{"intent":"Consolidate income and invoicing","confidence_score":0.00032568825}]},{"text":"Anyway, I'm seeing her tomorrow. We're having a conversation about all this stuff again tomorrow. Yeah.","start_word":1433,"end_word":1448,"intents":[{"intent":"Schedule meeting","confidence_score":0.02882216}]},{"text":"Well, I'm thinking that's a lot. That's a lot a lot of money, but that's based on around a 150,000 a year.","start_word":1514,"end_word":1535,"intents":[{"intent":"Understand bill amount","confidence_score":0.007216282}]},{"text":"Well, I'm thinking that's a lot. That's a lot a lot of money, but that's based on around a 150,000 a year. Yep. Yeah. Yeah. And that's what I was thinking. A 150 is what we kinda had total for the year, and 13 every six months gets you close to that 26. So that kind of makes a bit more sense. Yeah.","start_word":1514,"end_word":1576,"intents":[{"intent":"Consolidate payments","confidence_score":0.000043723772}]},{"text":"are you did you say you're seeing your account tomorrow?","start_word":1743,"end_word":1752,"intents":[{"intent":"Plan accounts","confidence_score":0.00007829344}]},{"text":"I can always just send you a little bit of an email. Oh, you What do that.","start_word":1792,"end_word":1808,"intents":[{"intent":"Send email","confidence_score":0.72232145},{"intent":"Show email","confidence_score":0.82153136}]},{"text":"So what I'm thinking is if I go for a bit of a minimum strategy because one of the things too is we need to make sure that your your super is still growing, and we don't just kind of pull it out. And then it just pulls out, and then all of a sudden it starts going down. Do you know what I mean?","start_word":1888,"end_word":1952,"intents":[{"intent":"Grow super","confidence_score":0.015778622}]},{"text":"Now if that 766 comes out, let's just say everything is rolling very well with putting aside for income tax, you could essentially put in about 900 to 1,000 a month into the super and be topped up by that 766. And then once you go to pay your income tax, you may have spent, say, $800 and gotten $7.60 back and maybe a $40 less in the pocket once all is said and done. Yeah.","start_word":2001,"end_word":2076,"intents":[{"intent":"Pay income tax","confidence_score":0.032579955}]},{"text":"So what I'm gonna do is I'm gonna send you a little bit of an email, and I wanna Yep. split into two things.","start_word":2113,"end_word":2136,"intents":[{"intent":"Split into two things","confidence_score":0.08037751}]},{"text":"versus pulling out 760 and putting a thousand in and just seeing how that would actually go for the bookkeeping.","start_word":2157,"end_word":2176,"intents":[{"intent":"Discuss bookkeeping and start date","confidence_score":0.0004240186},{"intent":"Discuss financial planning","confidence_score":0.16896662},{"intent":"Discuss impact of pandemics on bookkeeping process","confidence_score":4.5118136e-9}]},{"text":"So when we send you through some payment details, it gives it? you Mhmm. the BPA details and EFT details. Uh-huh. And No. then, That's what I want. Yep. yep, and then you basically set up, like, a recurring transaction Yep. that pops out every month or so. And Yep.","start_word":2961,"end_word":3010,"intents":[{"intent":"Coordinate and plan monthly payments","confidence_score":2.2797401e-8}]},{"text":"I so I don't always understand what's best for me. So sometimes it's better to talk to the people that have the the better a bit a bit more knowledge about what I'm supposed to be doing. Yeah.","start_word":3447,"end_word":3484,"intents":[{"intent":"Consult advisers","confidence_score":0.00044285101}]},{"text":"And like I said, I'm kind of cutting down to a short list of two or three ideas, and I'm just trying Yep. to refine it gradually over time until we find what clicks for you. And that's what we kind of run with. Yep.","start_word":3717,"end_word":3761,"intents":[{"intent":"Refine idea","confidence_score":0.010823253}]},{"text":"But, yeah, I would love to have a chat with with Heather as needed. And all we're really looking for is a couple of ideas about whether she thinks it's practical or not, and then we can go from there. Yes.","start_word":3859,"end_word":3899,"intents":[{"intent":"Have a chat with sherry","confidence_score":0.0039276336}]}]},"sentiments":{"segments":[{"text":"Good morning, Jeanette. Tommy here, senior adviser. How are you going?","start_word":0,"end_word":10,"sentiment":"positive","sentiment_score":0.3958503007888794},{"text":"Hi, Tommy.","start_word":11,"end_word":12,"sentiment":"neutral","sentiment_score":0.21261361241340637},{"text":"Good.","start_word":13,"end_word":13,"sentiment":"positive","sentiment_score":0.3974164724349976},{"text":"I'm sorry I missed your call before. I was That's no did worries you at was all. it you that rang? Yeah. Yeah. And some Yeah. of our Yeah. digital phone system, it calls from different numbers and things like that. So I No. thought I'd just That's leave you a voice message, and thank you for calling back. alright. Yeah. No. That's alright. I'm just trying to guide my worker. No. And he was yelling at me, and I was like, I'm gonna take this call. Yeah. No worries at all. Is it still a good time to have a chat about this transition strategy? I'll just buy that again. Yes. Yeah. Yeah. Yeah. We're talking about transitioning. Yeah. So I was going through the notes on the file, and and we'd had a conversation before about when you turned 60.","start_word":14,"end_word":155,"sentiment":"neutral","sentiment_score":0.029979439452290535},{"text":"Obviously, happy birthday for starters.","start_word":156,"end_word":160,"sentiment":"positive","sentiment_score":0.4128560721874237},{"text":"Yep.","start_word":161,"end_word":161,"sentiment":"neutral","sentiment_score":0.31599828600883484},{"text":"I hope you Thank had a good you.","start_word":162,"end_word":169,"sentiment":"positive","sentiment_score":0.5289768576622009},{"text":"sixth year. Did you get spoiled and looked after? Was it monumental? Oh, little bit. Little bit. Little bit. There's only so much you need when you're this age. Fair enough. Fair enough. Now because you've hit your preservation age, you've got access Yep. to that new transition strategy. So Mhmm. what I thought I would do to start with is just quickly recap kind of what it is, and then Yep. we'll kinda see what we may be able to do and update some of your strategies. Is that alright? Yep. Two.","start_word":170,"end_word":262,"sentiment":"neutral","sentiment_score":0.07172804325819016},{"text":"Perfect.","start_word":263,"end_word":263,"sentiment":"positive","sentiment_score":0.4235282242298126},{"text":"So when you hit 60, you can essentially access part of your super now in a transition Yep. pension. So, normally, what happens is you retire, you put your super into a pension, you can start taking money out. But if you're still working and you've hit preservation age, you can access a transition pension, which lets you take out up to 10% of your super. Does that make sense? Yep. Now the whole point behind this strategy is if you can kind of put money into your super and pull it back out again, there's a tax difference. So because of your marginal tax rate being, say, 32 or 37%, you can put money into your super. It's only taxed 15. So what it Mhmm. really means is you can put, like, a $100 in. It only costs you $70 in your take home pay, but then you can pull $70 out of your super to top your income back up again.","start_word":264,"end_word":426,"sentiment":"neutral","sentiment_score":0.21616229936023432},{"text":"Yep. Yep. So it kind of gets you the same income, but that little tax difference goes in to boost up your super.","start_word":427,"end_word":449,"sentiment":"positive","sentiment_score":0.435056746006012},{"text":"Does that make sense? Yep. Yep.","start_word":450,"end_word":455,"sentiment":"neutral","sentiment_score":0.2415548712015152},{"text":"Cool.","start_word":456,"end_word":456,"sentiment":"positive","sentiment_score":0.3970767855644226},{"text":"Now just to kind of check a couple details with you, with the cleaning business and everything, I wanted to just Yeah. clarify a couple of things because my notes are a little bit new system.","start_word":457,"end_word":492,"sentiment":"neutral","sentiment_score":-0.01945438422262669},{"text":"It's a little bit janky.","start_word":493,"end_word":497,"sentiment":"negative","sentiment_score":-0.33841246366500854},{"text":"Mhmm. You're essentially are you employed by your own business, or are you just kind of like a sole trader? I'm just a salt rater. Sole trader. Now with Mhmm. your q super account, are you making contributions? No. I haven't made any any contributions since I finished with Queensland Health. Yep. So when it comes to, like, contributions themselves, you would normally pull aside, I guess, your income. And are you kind of putting aside for income tax each month and quarter? Yeah. Yeah. I've gotta pay that. That that's a given. I don't have a choice. Yes. 100%. So Yeah. one of the things I'll check first is, are you wanting to do any kind of contributions into super just in general? I did want to do that, but if I'm gonna start transitioning, do I need to do that? Yeah. We usually work it in in tandem, and Mhmm.","start_word":498,"end_word":649,"sentiment":"neutral","sentiment_score":-0.03661708906292915},{"text":"so there's a there's a couple of really cool options for you.","start_word":650,"end_word":661,"sentiment":"positive","sentiment_score":0.3654989004135132},{"text":"Now when you go to put the money into super, you know how normally your employer would kind of pay it into your account in Yep. the background? Yep. Well, if you're a sole trader, you've got to kind of make those transactions yourself through, like, Yeah. BPAY or EFT. Yeah. Yep. So because you've got 237,000 in your hub account and a little bit Mhmm. over in q super, that means Mhmm.","start_word":662,"end_word":734,"sentiment":"neutral","sentiment_score":0.1423588522697148},{"text":"that we could safely pull out, say, even up to $23,000 we could get out for this contribution strategy.","start_word":735,"end_word":753,"sentiment":"positive","sentiment_score":0.3755760192871094},{"text":"Now what I'm kind of thinking, Jeanette, is Mhmm. if nothing's currently going in, this financial year, you've got a a cap of $30,000, and next financial year, the concessional cap goes up to 32 and a half. Yep. And what what does that mean? So that's the maximum that you can put in just in Alright. total. Whether Yes. it's pulling Gotcha. money out, putting it back in again, Yep. we can't go Yep. over that much. Right. Gotcha now. So because if I give you a bit of an idea of a maximum maximum strategy, let's say just for argument's sake that you have $30,000 laying around. If you put in $30,000 into your super, based on how much tax you would have to pay on your income tax, you Mhmm. could pretty much pull out 19,000 from the super account. And once you've paid all your taxes and everything, it would kind of all iron out in the washes the same amount. Oh, okay. And there'd be an extra $10 sitting in the super almost minus a bit of Yep. tax. Yep. Yep. K? Now I wanna kind of be gauged by you a little bit in terms of how much you've actually got sitting in business bank accounts, pulling aside your tax off to the side. I I don't have a lot sitting there because it just keeps moving. It just keeps going. Yeah. I just keep paying paying bills and, you know, it comes in, goes Yeah. out, comes in, goes out. And then when So the bills when when the big bills come in, you know, the tax and all that stuff, then down she goes again, you know. So Exactly right. So I'll have to be a bit careful with what I recommend because I wanna make sure it works for your cash flow, and I wanna mhmm.","start_word":754,"end_word":1068,"sentiment":"neutral","sentiment_score":-0.023679237706320622},{"text":"kind of go overboard trying to get you the maximum benefit if it's gonna really mess with your week to week.","start_word":1069,"end_word":1089,"sentiment":"negative","sentiment_score":-0.4515594244003296},{"text":"So we can definitely start smaller as well. How consistent is kind of the income and invoicing for you? Does it fluctuate how wildly does it fluctuate? So I do monthly invoicing, and Yeah. then it's a two week turnaround to be paid. And Okay. that usually is most most of them are pretty pretty reg on on top of things and Yep. pay on time.","start_word":1090,"end_word":1155,"sentiment":"neutral","sentiment_score":0.115895614027977},{"text":"Just the odd one that gets a bit behind that that I annoy.","start_word":1156,"end_word":1168,"sentiment":"negative","sentiment_score":-0.347807377576828},{"text":"Yeah. And when we But had otherwise, your total that that income that's set pretty at that's a 100 pretty and much how it goes. So at at the moment, I've had to use a lot of money for other things. Now I've gotta wait for money to come back in to replace that money that I've used out of my business Oh, to gotcha. pay for other things. Yeah. Okay. Do you I feel like that once the end of financial year comes around that you'll be getting a bit of a a tax bill for the income tax and have to kind of pay it off over time, or do you think you'll yeah. have the I money there? I have been doing that, but it's changed now that I every I have to pay so much every quarter now. So every quarter, I've gotta pay out something like 13,000. So Okay. I think it's every quarter. I think it's every quarter. That's a lot, Perfect. Yeah. It is. And does that Yeah. kind of 20 count like third. That's a actually, payment it's plan? usually my tax sits in around the twenty five March. So For that's what the it year? was last year. 25 for the year. And you're paying 13 a quarter for the That's income tax more. liability?","start_word":1169,"end_word":1392,"sentiment":"neutral","sentiment_score":-0.042584601789712906},{"text":"So I might have that wrong in my own head.","start_word":1393,"end_word":1402,"sentiment":"negative","sentiment_score":-0.387610524892807},{"text":"It might only be twice a year. I don't know. I've got stuff. My accountant again about this because I'm I do forget things. Yeah. Yeah. K. I've got yeah. Anyway, I'm seeing her tomorrow. We're having a conversation about all this stuff again tomorrow.","start_word":1403,"end_word":1447,"sentiment":"neutral","sentiment_score":-0.01582637793487973},{"text":"Yeah. Perfect. What But we can do then yeah. Before I'd go in, I'd do my best, and then I'd get this whopping great bill.","start_word":1448,"end_word":1472,"sentiment":"positive","sentiment_score":0.40498432517051697},{"text":"You know? And so then and then now, should they were telling me that so the last one I paid, 13,000. I said that that's basically what it'll be each time, but I I I feel like it was every quarter. Well, I'm thinking that's a lot. That's a lot a lot of money, but that's based on around a 150,000 a year. Yep. Yeah. Yeah. And that's what I was thinking. A 150 is what we kinda had total for the year, and 13 every six months gets you close to that 26. So that kind of makes a bit more sense. Yeah. So it's probably it's probably what it is. I'm I probably just got quarter in my head. Yeah. A lot But of anyway things are quarterly these days, so that makes sense. yeah. Yeah. But yeah. K. I I do know that I've got a I need do need to contribute because it does reduce my tax Yeah. as well. So there's a lot of things I've gotta do that I haven't done because I like spending. Yeah. I love No. my That's money. fair enough. Me too. Me too. What I might do is yes. So the idea of doing a little bit of contributions makes sense even if it's small amounts, but you need to make sure that you're okay just on living and your usual tax liabilities. Mhmm. So that's Yep. the most important thing. One thing that we can do is I might go for a bit of a minimum strategy with you just to kind of start you off. So No. are you did you say you're seeing your account tomorrow? Yes. Yep. K. So what I'm thinking is would you you don't happen to have a pen and paper handy, do you? Got plenty of paper, but it's on in the bloom and pen with another thing.","start_word":1473,"end_word":1789,"sentiment":"neutral","sentiment_score":0.08919668272842744},{"text":"That's okay.","start_word":1790,"end_word":1791,"sentiment":"positive","sentiment_score":0.3382071554660797},{"text":"I can always just send you a little bit of an email. Oh, you What do that. And then at yeah? least then if you send me an email, then when I go in to see my accountant tomorrow, I can show her that email as well. So we get she she gets in the same in the loop with me because I try to tell her stuff and I get it all mixed up. It's a bit more like I'm trying to do to you right now. No. That's fine.","start_word":1792,"end_word":1882,"sentiment":"neutral","sentiment_score":0.15046808123588562},{"text":"This is really helpful information.","start_word":1883,"end_word":1887,"sentiment":"positive","sentiment_score":0.7270082235336304},{"text":"So what I'm thinking is if I go for a bit of a minimum strategy because one of the things too is we need to make sure that your your super is still growing, and we don't just kind of pull it out. And then it just pulls out, and then all of a sudden it starts going down. Do you know what I mean? Yeah. Yeah. Yeah. So one thing you can do is if I go off the minimum, let's say we had 230,000 sitting in a pension account. You pull out about 9,200 a year, which works out to be 766 a month that can come out pretty cleanly. Yes. Now if that 766 comes out, let's just say everything is rolling very well with putting aside for income tax, you could essentially put in about 900 to 1,000 a month into the super and be topped up by that 766. And then once you go to pay your income tax, you may have spent, say, $800 and gotten $7.60 back and maybe a $40 less in the pocket once all is said and done. Yeah. Yep. But for that $40, you get just under a thousand dollars goes into your super account every month. Yep. Sorry. I'm listening. I'm I'm stuck with No. the That's service totally in the fine. background. So what I'm gonna do is I'm gonna send you a little bit of an email, and I wanna Yep. split into two things. Yep. The idea of just generally putting a little bit into super even if it's $50 a week Mhmm. versus pulling out 760 and putting a thousand in and just seeing how that would actually go for the bookkeeping. Because Yes. if you need another three or six months until the bookkeeping's kind of smoother before we start that, that's fine.","start_word":1888,"end_word":2197,"sentiment":"neutral","sentiment_score":0.1484750465039284},{"text":"Yes. But if bookkeeping permits and you and your accountant will be able to comfortably manage that going in and out, that's really gonna help things over the next seven years.","start_word":2198,"end_word":2228,"sentiment":"positive","sentiment_score":0.6094650626182556},{"text":"Yeah. Right. K? So Yep. we don't have to fly into it too quickly. Part of my job is to make sure that whatever we start doing is is comfortable for your life. I'm just Mhmm. coming up with, I think, two suitable ideas, and we just wanna see, is it practical come end of financial year? If not, do we put a pause on it for three or six months and then try and start it up maybe closer to Christmas time? Yeah. Yeah. K? So I'll shoot you an email, have a chat Yep. to your accountant, and then if you can just get back to me with whether this sounds practical or if Yep.","start_word":2229,"end_word":2345,"sentiment":"neutral","sentiment_score":0.13980451226234436},{"text":"you wanna put a pin in it, that would be fantastic.","start_word":2346,"end_word":2356,"sentiment":"positive","sentiment_score":0.3857840299606323},{"text":"Yep. Okay. Can No you do worries. that for me? Yep.","start_word":2357,"end_word":2367,"sentiment":"neutral","sentiment_score":0.14017856121063232},{"text":"Amazing.","start_word":2368,"end_word":2368,"sentiment":"positive","sentiment_score":0.4172237515449524},{"text":"Mhmm. Outside of that, we've already kind of got you teed up for that kind of Christmas chat to see how everything's going, bit of a biannual catch up, and we just kinda need to let the the world simmer down a little bit. All the talks Yeah. of Well, it's been a bit crazy, you know. It gets a bit scary actually because you wonder whether they're gonna start tapping into your bloody sofa. Yeah. Yeah. You never know. Hopefully, they don't. Hopefully, they can sort these problems out in most other ways. But, you know, one day, that sort of thing may happen one day. But at the moment, between the the wars and talk of more more pandemics at risk, things are happening. So we just need to let let things kind of play out a little bit for this year and Yep. so we can kind of get back to growing once everything's settled down a little bit. Yeah. Because I'd do you do you do you think I'll grow much at all this year? Probably not. Well, it's kind of just been bouncing up and down, up and down, up and down since you came on board, and that's pretty normal. I'm I'm really glad that you're in that balanced risk profile because if you were in high risk, you'd be negative right now. You're still sitting kind of flat, which is good. And Yep. if the usual thing happens where in a few months' time, there is a bit of settling, like, the the issues weren't resolved, but if it settles to a pattern, then the stock market tends to go back up, and then all of a sudden your soup is up seven to 10%. Yep. So that's very possible, or it kind of just stays flat for the year, and then hopefully after that, it goes up again.","start_word":2369,"end_word":2684,"sentiment":"neutral","sentiment_score":0.012370719376927878},{"text":"But the good thing for you, Jeanette, is because you've got that kind of seven years, that's usually what we call, like, a market cycle.","start_word":2685,"end_word":2709,"sentiment":"positive","sentiment_score":0.3964555561542511},{"text":"And if you're in the middle Yep. of a crisis now, the actually, the best time for you to be having a crisis is now because five or six years of steady growth after it is kind of exactly what you need. So you'd rather Yep. have one now than in five years' time just before you retire. Yeah. Yep.","start_word":2710,"end_word":2769,"sentiment":"neutral","sentiment_score":0.11403992772102356},{"text":"And then for us, that kind of means that if it happens this year, it's a bit of a buying opportunity. And if we can get some things rolling this year and next year, Yep. you stand a pretty good chance of getting some really good growth afterwards.","start_word":2770,"end_word":2817,"sentiment":"positive","sentiment_score":0.4537366032600403},{"text":"Yep. Yep. Yep. So fingers crossed, there's no extended issues that last for eighteen months or two years. But other than that, we've got you in a nice balanced fund, so the risk isn't too crazy.","start_word":2818,"end_word":2853,"sentiment":"neutral","sentiment_score":0.2202291488647461},{"text":"When the markets go up, this portfolio has had some really good growth. I've seen some clients up 15%, which is lovely for the usual seven or eight that we're aiming for.","start_word":2854,"end_word":2885,"sentiment":"positive","sentiment_score":0.6085056662559509},{"text":"And then it's just about getting a handle on the bookkeeping.","start_word":2886,"end_word":2896,"sentiment":"neutral","sentiment_score":0.21625596284866333},{"text":"And if you can really work with your accountant to make sure that gets smooth over the next year or so, Yep. we can Yeah.","start_word":2897,"end_word":2921,"sentiment":"positive","sentiment_score":0.4395841658115387},{"text":"do a Yep. couple Yep.","start_word":2922,"end_word":2926,"sentiment":"neutral","sentiment_score":0.25484034419059753},{"text":"little things in the background and get you going a little bit quicker.","start_word":2927,"end_word":2939,"sentiment":"positive","sentiment_score":0.3413606286048889},{"text":"Yeah. With with paying into the super, is it I mean, how do I actually go about actually paying into Yeah. So when we send you through some payment details, it gives it? you Mhmm. the BPA details and EFT details. Uh-huh. And No. then, That's what I want. Yep. yep, and then you basically set up, like, a recurring transaction Yep. that pops out every month or so. And Yep. once we get to end of financial year, we basically fill in a form called a notice of intent claim form with you, which Mhmm. just says, hey. I put $4 in. I would like to claim that as deductible. And then that super fund sends that code off to the tax office, and then that's ready to go for your tax return.","start_word":2940,"end_word":3073,"sentiment":"neutral","sentiment_score":0.14604616165161133},{"text":"Yep. Awesome. Yeah.","start_word":3074,"end_word":3076,"sentiment":"positive","sentiment_score":0.5126093029975891},{"text":"Yeah. Because I really need that to be able I think that's half of why nothing's been done because no one's ever given up for me that that, you know, be paid way. You know? Yeah.","start_word":3077,"end_word":3112,"sentiment":"neutral","sentiment_score":0.08682582527399063},{"text":"Because then if you got that and you just set it up, the money goes and you don't miss it.","start_word":3113,"end_word":3132,"sentiment":"positive","sentiment_score":0.4183514416217804},{"text":"Yeah. So Yeah. I really I'll try and send you this email today. Have a chat to your accountant tomorrow. I'll send you those BPAY details just so you have them. Yep. And then the two things are, if you can maybe try and set up a small little debit in just Mhmm. to start Yep. with, we can give that Yep.","start_word":3133,"end_word":3194,"sentiment":"neutral","sentiment_score":0.2293748110532761},{"text":"a go.","start_word":3195,"end_word":3196,"sentiment":"positive","sentiment_score":0.34159910678863525},{"text":"Yep. And even if you set it up for July, like, you don't have to like, okay. If you wanna do a lump sum before the end of financial year to reduce your tax, that's one thing. Yep.","start_word":3197,"end_word":3234,"sentiment":"neutral","sentiment_score":0.19882424175739288},{"text":"But if it Mhmm. works smoother for your cash flow just to do a regular small amount come July, that's cool Yep.","start_word":3235,"end_word":3256,"sentiment":"positive","sentiment_score":0.48522621393203735},{"text":"too. Okay. K. So I'll put that in the email too, whether we do a lump sum or small amount. And then there's the idea of the transition strategy, which Yep. I just wanna ask your accountant if they think based on your bookkeeping whether it's practical or if we should Mhmm. pause. Yep. Yep. Yep. Okay? Yeah. Okay. Is it at all possible that I mean, yeah, you put it in an email for me and send it to me. I'll show it to Heather. Yep. But if when I'm in with her, am I able to give you a quick call? Always. Always. Is that a no. Except Is that possible? if I'm in with another client, I won't be able to help you. But No. I would be more than happy to liaise with with Heather, whether it's over email or a quick Yeah. call afterwards or while you're there. Yeah. Because, It's just you know, tomorrow's sometimes looking a stuff little kinda bit rough. goes in in one ear. It's I it's like I didn't have any Weetbix. It just floats on through. And I Yeah.","start_word":3257,"end_word":3446,"sentiment":"neutral","sentiment_score":0.021720586393616705},{"text":"I so I don't always understand what's best for me.","start_word":3447,"end_word":3456,"sentiment":"negative","sentiment_score":-0.41805943846702576},{"text":"So sometimes it's better to talk to the people that have the the better a bit a bit more knowledge about what I'm supposed to be doing. Yeah. You know what I mean? So yeah. But anyway, Do you have even an appointment if set for tomorrow, like I a time? I do I have a what time? I think it's nine 09:00 in the morning. K. I mean, I might Yep. be able to jump on the phone at about 09:30 for a few minutes or even catch them afterwards and and give them a buzz if you give permission. Yeah. Yeah. Yeah. Yep. I will. I'll I'll give permission. I'll I'll I'll I'll do I have to have that in writing? It depends. Like, when you go through, like, somebody's financial details, obviously, Yeah. there's details that you provide to us. And if you're wanting to release like, do a release authority between two companies, that's usually in writing. But if we're just having a bit of a bit of a chat, that's okay. Yeah. I'll try to be obviously careful of privacy policy and so on, but that's why I'll put a few things in an email as well. Yeah. Okay. Alright. No K. worries. Alright. Any questions on that? I know we haven't kind of finalized an idea just yet. We're getting closer and No. closer, but any questions? No. We'll we'll work on it. But that's yeah. It's not like it's a big, big hurry because I still gotta work for a while yet. Yeah. And like I said, I'm kind of cutting down to a short list of two or three ideas, and I'm just trying Yep. to refine it gradually over time until we find what clicks for you. And that's what we kind of run with. Yep. Okay. Yep.","start_word":3457,"end_word":3763,"sentiment":"neutral","sentiment_score":0.04067355804509371},{"text":"Cool. Alright. I'll actually try and write that email up to you right now straight away so you have it.","start_word":3764,"end_word":3783,"sentiment":"positive","sentiment_score":0.35653695464134216},{"text":"And I'll put in my calendar that there might be a bit of a phone call popping through at 09:30. Yep. And I'm just gonna pop a little thing in there. And even if we do a bit of a joint joint phone call, you can put me on speakerphone or something. That would be nice. But if not, I can always kind of liaise with you guys afterwards. That's no Yeah. trouble. Yeah. Yeah. But, yeah, I would love to have a chat with with Heather as needed. And all we're really looking for is a couple of ideas about whether she thinks it's practical or not, and then we can go from there. Yes. Yeah. Okay.","start_word":3784,"end_word":3901,"sentiment":"neutral","sentiment_score":0.15437021851539612},{"text":"That'd be great.","start_word":3902,"end_word":3904,"sentiment":"positive","sentiment_score":0.4729198813438415},{"text":"Sensitive.","start_word":3905,"end_word":3905,"sentiment":"neutral","sentiment_score":0.23992465436458588},{"text":"Alrighty. I will leave you to it, Jeanette. Thank you Yep. so much for taking the time with me today. No worries. Thank And you.","start_word":3906,"end_word":3930,"sentiment":"positive","sentiment_score":0.5308133959770203},{"text":"if you have any questions off that email, just let us know. But if not, I'll see if I hear from you tomorrow morning. And if not, I might get the team to do a bit of a follow-up with you Yep. next week.","start_word":3931,"end_word":3974,"sentiment":"neutral","sentiment_score":0.09330322661183098},{"text":"Okay. That'll be great. Lovely. Lovely. Alright. You Welcome. have a fantastic day. You too. Thank you very much. Bye bye. Thank you, Jenev. Bye.","start_word":3975,"end_word":3999,"sentiment":"positive","sentiment_score":0.6652781367301941}],"average":{"sentiment":"neutral","sentiment_score":0.10641329583176316}}}}