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So I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account. Now based on where the account stands today and under current rules so the proposed tax rules don't aren't proposed to come into effect if they do get approved until 07/01/2027. So we've got essentially twelve months or twelve and a half months before anything triggers, and the proposed does include a grandfathering to the current rules. So which means because the current rules are basically that, you know, any capital gain is discounted 15 50% if it's been owned for twelve months versus the proposed is a flat 30% tax, which is very frustrating. Now I had a look and under the current rules, essentially, as it currently stands, there is a after the discounts and everything are applied, there's a $20,000 capital gain. Now the account is actually held in two names, so that means that it's a 10,000 capital gain for you and a 10,000 capital gain for Marsha, which is under the tax free threshold. So there would no not be any tax applicable to that gain outside of any other income sources. Yeah. That'd be, you know, $1,818,200 dollars for us. Okay. And what is that what is that the year? Okay. So you it it'll be 1616% on the $10. So it'll be it it basically, that's $61,600. Not too much that you would you would pay from that gain. Now the other the other avenue or the, I guess, question mark is I know that there was a lot of attribution strategies that were put in place for both of your accounts. And I there are there are rules that are in place for how much you can put into the super fund, and $300,000 into Misha's fund would be a bring forward. So it means that she'd be she'd be eating into the future year's contribution amounts. And I'm not sure when or what financial year she's able to start making those contributions again. July next year. Yes. Mhmm. The confessional was counted as nonconcessional. Yes. Yeah. Yeah. It was withdrawn from the account because it was yep. Okay. And she's able to start contributing. She's able to use. Yep. Cool. Perfect. Okay. Cool. So we can still definitely do that. I would want confirmation because I know that the I I'm I'm aware that there was that the concessional mix up. So I would want to jump on. It does have to be merged, obviously, but jump onto myGov to make sure that the that her bring forward is available because it would show up as available now on her myGov account as to what is available just so we definitely do a double check. I know that I've previously done the math on file as to when she's able to contribute. I would just have to dig through all of the final notes to find that again, but I always like to double check. So if you're able to jump on and have a look at what at at the bring forward rule on the ATO through the myGov and make sure that that is definitely available. Okay. We can we can make that make that sale. Just a, I guess, a question as to whether you wanna do that sale now and withdraw those funds or whether you just wanna wait until the July because there's there's no changes happening now. No. No. Not not penalized at all. Nope. Yeah. Absolutely. What I'll do is I'll flick an email through to you, and I'll cc Tommy in. He is on paternity leave right now, but he's back in office next week. So I'll click an email through you him in just so he's aware, and we can and if you're if you're able to oh, no. I know. He I've I've had a look through his notes, and I just didn't wanna keep you waiting all afternoon to spend two hours reading through his notes. What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well. And then when he's back and raring to go in July, he can reach out, and we can get that sale happening and get those contributions made. Mhmm. It it will show it now. It'll show you what's available right now. So it theoretically, if you jump on today, it'll show that this financial year is unavailable, but it should show that the next financial year and the year year after are available. And that means that when we roll over July 1 that, obviously, this year becomes not available and the next year is available. Cool. Well, I'll flick that email through to you now, and that way you have someone to respond to. That's okay, Richard. Did that answer all the questions? Perfect. No issues at all. Have a good afternoon. Alright. 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Larissa from OQ Financial. How are you going? That's good. I'm back in the office, and I've had a look at everything.\n\nSo I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account. Now based on where the account stands today and under current rules so the proposed tax rules don't aren't proposed to come into effect if they do get approved until 07/01/2027. So we've got essentially twelve months or twelve and a half months before anything triggers, and the proposed does include a grandfathering to the current rules. So which means because the current rules are basically that, you know, any capital gain is discounted 15 50% if it's been owned for twelve months versus the proposed is a flat 30% tax, which is very frustrating. Now I had a look and under the current rules, essentially, as it currently stands, there is a after the discounts and everything are applied, there's a $20,000 capital gain.\n\nNow the account is actually held in two names, so that means that it's a 10,000 capital gain for you and a 10,000 capital gain for Marsha, which is under the tax free threshold. So there would no not be any tax applicable to that gain outside of any other income sources. Yeah. That'd be, you know, $1,818,200 dollars for us. Okay.\n\nAnd what is that what is that the year? Okay. So you it it'll be 1616% on the $10. So it'll be it it basically, that's $61,600. Not too much that you would you would pay from that gain.\n\nNow the other the other avenue or the, I guess, question mark is I know that there was a lot of attribution strategies that were put in place for both of your accounts. And I there are there are rules that are in place for how much you can put into the super fund, and $300,000 into Misha's fund would be a bring forward. So it means that she'd be she'd be eating into the future year's contribution amounts. And I'm not sure when or what financial year she's able to start making those contributions again. July next year.\n\nYes. Mhmm. The confessional was counted as nonconcessional. Yes. Yeah.\n\nYeah. It was withdrawn from the account because it was yep. Okay. And she's able to start contributing. She's able to use.\n\nYep. Cool. Perfect. Okay. Cool.\n\nSo we can still definitely do that. I would want confirmation because I know that the I I'm I'm aware that there was that the concessional mix up. So I would want to jump on. It does have to be merged, obviously, but jump onto myGov to make sure that the that her bring forward is available because it would show up as available now on her myGov account as to what is available just so we definitely do a double check. I know that I've previously done the math on file as to when she's able to contribute.\n\nI would just have to dig through all of the final notes to find that again, but I always like to double check. So if you're able to jump on and have a look at what at at the bring forward rule on the ATO through the myGov and make sure that that is definitely available. Okay. We can we can make that make that sale. Just a, I guess, a question as to whether you wanna do that sale now and withdraw those funds or whether you just wanna wait until the July because there's there's no changes happening now.\n\nNo. No. Not not penalized at all. Nope. Yeah.\n\nAbsolutely. What I'll do is I'll flick an email through to you, and I'll cc Tommy in. He is on paternity leave right now, but he's back in office next week. So I'll click an email through you him in just so he's aware, and we can and if you're if you're able to oh, no. I know.\n\nHe I've I've had a look through his notes, and I just didn't wanna keep you waiting all afternoon to spend two hours reading through his notes. What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well. And then when he's back and raring to go in July, he can reach out, and we can get that sale happening and get those contributions made. Mhmm. It it will show it now.\n\nIt'll show you what's available right now. So it theoretically, if you jump on today, it'll show that this financial year is unavailable, but it should show that the next financial year and the year year after are available. And that means that when we roll over July 1 that, obviously, this year becomes not available and the next year is available. Cool. Well, I'll flick that email through to you now, and that way you have someone to respond to.\n\nThat's okay, Richard. Did that answer all the questions? Perfect. No issues at all. Have a good afternoon.\n\nAlright. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Richard.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.12034956365823746},{"text":"Larissa from OQ Financial.","start":3.12,"end":4.24,"sentiment":"neutral","sentiment_score":0.15160128101706505},{"text":"How are you going?","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.18989180400967598},{"text":"That's good.","start":6.24,"end":7.2,"sentiment":"positive","sentiment_score":0.6800403296947479},{"text":"I'm back in the office, and I've had a look at everything.","start":7.2,"end":9.3,"sentiment":"neutral","sentiment_score":0.23348364730676016}],"sentiment":"neutral","sentiment_score":0.24035649560391903,"num_words":24,"start":2.48,"end":9.3},{"sentences":[{"text":"So I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account.","start":9.599999,"end":20.335,"sentiment":"neutral","sentiment_score":0.13916459047923918},{"text":"Now based on where the account stands today and under current rules so the proposed tax rules don't aren't proposed to come into effect if they do get approved until 07/01/2027.","start":20.635,"end":34.27,"sentiment":"neutral","sentiment_score":0.03376072134462095},{"text":"So we've got essentially twelve months or twelve and a half months before anything triggers, and the proposed does include a grandfathering to the current rules.","start":34.73,"end":45.675,"sentiment":"neutral","sentiment_score":0.01616619688530381},{"text":"So which means because the current rules are basically that, you know, any capital gain is discounted 15 50% if it's been owned for twelve months versus the proposed is a flat 30% tax, which is very frustrating.","start":45.895,"end":61.13,"sentiment":"neutral","sentiment_score":-0.09362262695733654},{"text":"Now I had a look and under the current rules, essentially, as it currently stands, there is a after the discounts and everything are applied, there's a $20,000 capital gain.","start":63.190002,"end":75.535,"sentiment":"neutral","sentiment_score":-0.11313779714206855}],"sentiment":"neutral","sentiment_score":0.005360707041551495,"num_words":171,"start":9.599999,"end":75.535},{"sentences":[{"text":"Now the account is actually held in two names, so that means that it's a 10,000 capital gain for you and a 10,000 capital gain for Marsha, which is under the tax free threshold.","start":75.595,"end":86.04,"sentiment":"neutral","sentiment_score":0.07044250320862322},{"text":"So there would no not be any tax applicable to that gain outside of any other income sources.","start":86.74,"end":93.08,"sentiment":"neutral","sentiment_score":0.028121444293194346},{"text":"Yeah.","start":102.485,"end":102.985,"sentiment":"neutral","sentiment_score":-0.01215972751379013},{"text":"That'd be, you know, $1,818,200 dollars for us.","start":103.525,"end":107.625,"sentiment":"neutral","sentiment_score":-0.06790728913620114},{"text":"Okay.","start":113.38,"end":113.86,"sentiment":"neutral","sentiment_score":0.014079554937779903}],"sentiment":"neutral","sentiment_score":0.03806278420492045,"num_words":62,"start":75.595,"end":113.86},{"sentences":[{"text":"And what is that what is that the year?","start":113.86,"end":116.76,"sentiment":"neutral","sentiment_score":0.0059439024577538175},{"text":"Okay.","start":121.985,"end":122.385,"sentiment":"neutral","sentiment_score":0.027434885501861572},{"text":"So you it it'll be 1616% on the $10.","start":122.385,"end":126.165,"sentiment":"neutral","sentiment_score":0.08205915656354693},{"text":"So it'll be it it basically, that's $61,600.","start":126.385,"end":130.865,"sentiment":"neutral","sentiment_score":0.08409664081409574},{"text":"Not too much that you would you would pay from that gain.","start":130.865,"end":134.85,"sentiment":"neutral","sentiment_score":0.03675380783776442}],"sentiment":"neutral","sentiment_score":0.0495713137758848,"num_words":39,"start":113.86,"end":134.85},{"sentences":[{"text":"Now the other the other avenue or the, I guess, question mark is I know that there was a lot of attribution strategies that were put in place for both of your accounts.","start":135.25,"end":146.95001,"sentiment":"neutral","sentiment_score":0.13152216284564047},{"text":"And I there are there are rules that are in place for how much you can put into the super fund, and $300,000 into Misha's fund would be a bring forward.","start":147.73001,"end":162.015,"sentiment":"neutral","sentiment_score":0.23140035761940864},{"text":"So it means that she'd be she'd be eating into the future year's contribution amounts.","start":162.38,"end":167.90001,"sentiment":"neutral","sentiment_score":0.23854597906271616},{"text":"And I'm not sure when or what financial year she's able to start making those contributions again.","start":167.90001,"end":173.68001,"sentiment":"neutral","sentiment_score":-0.02868262809865615},{"text":"July next year.","start":179.875,"end":181.25499,"sentiment":"neutral","sentiment_score":-0.006335811068614324}],"sentiment":"neutral","sentiment_score":0.1473254549006621,"num_words":99,"start":135.25,"end":181.25499},{"sentences":[{"text":"Yes.","start":186.83499,"end":187.33499,"sentiment":"neutral","sentiment_score":0.03080374374985695},{"text":"Mhmm.","start":201.28,"end":201.78,"sentiment":"neutral","sentiment_score":-0.006761278957128525},{"text":"The confessional was counted as nonconcessional.","start":202.8,"end":204.66,"sentiment":"neutral","sentiment_score":-0.06075250543653965},{"text":"Yes.","start":211.36499,"end":211.86499,"sentiment":"neutral","sentiment_score":0.0007053762674331665},{"text":"Yeah.","start":219.28499,"end":219.78499,"sentiment":"neutral","sentiment_score":-0.007506009191274643}],"sentiment":"neutral","sentiment_score":-0.034727320075035095,"num_words":10,"start":186.83499,"end":219.78499},{"sentences":[{"text":"Yeah.","start":229.04999,"end":229.29,"sentiment":"neutral","sentiment_score":-0.013240030035376549},{"text":"It was withdrawn from the account because it was yep.","start":229.29,"end":231.95,"sentiment":"neutral","sentiment_score":-0.06708901479141786},{"text":"Okay.","start":240.505,"end":240.985,"sentiment":"neutral","sentiment_score":0.04826553910970688},{"text":"And she's able to start contributing.","start":240.985,"end":242.52501,"sentiment":"neutral","sentiment_score":0.07032798230648041},{"text":"She's able to use.","start":243.625,"end":244.685,"sentiment":"neutral","sentiment_score":0.21061722934246063}],"sentiment":"neutral","sentiment_score":0.028571462380403482,"num_words":22,"start":229.04999,"end":244.685},{"sentences":[{"text":"Yep.","start":249.96,"end":250.46,"sentiment":"neutral","sentiment_score":0.13503779470920563},{"text":"Cool.","start":253.48001,"end":253.98001,"sentiment":"positive","sentiment_score":0.5747093558311462},{"text":"Perfect.","start":270.50998,"end":271.00998,"sentiment":"positive","sentiment_score":0.7092553973197937},{"text":"Okay.","start":271.47,"end":271.94998,"sentiment":"positive","sentiment_score":0.46784690022468567},{"text":"Cool.","start":271.94998,"end":272.44998,"sentiment":"positive","sentiment_score":0.6309388875961304}],"sentiment":"positive","sentiment_score":0.5035576671361923,"num_words":5,"start":249.96,"end":272.44998},{"sentences":[{"text":"So we can still definitely do that.","start":272.50998,"end":274.19,"sentiment":"positive","sentiment_score":0.5883640987532479},{"text":"I would want confirmation because I know that the I I'm I'm aware that there was that the concessional mix up.","start":274.19,"end":280.93,"sentiment":"neutral","sentiment_score":0.10209503698916662},{"text":"So I would want to jump on.","start":282.11,"end":284.67502,"sentiment":"neutral","sentiment_score":0.09110163258654731},{"text":"It does have to be merged, obviously, but jump onto myGov to make sure that the that her bring forward is available because it would show up as available now on her myGov account as to what is available just so we definitely do a double check.","start":284.67502,"end":301.94,"sentiment":"neutral","sentiment_score":0.07452318080245181},{"text":"I know that I've previously done the math on file as to when she's able to contribute.","start":302.56,"end":308.02,"sentiment":"neutral","sentiment_score":0.056776069981210375}],"sentiment":"neutral","sentiment_score":0.11482867256107956,"num_words":99,"start":272.50998,"end":308.02},{"sentences":[{"text":"I would just have to dig through all of the final notes to find that again, but I always like to double check.","start":308.48502,"end":315.70502,"sentiment":"neutral","sentiment_score":0.0342134992065637},{"text":"So if you're able to jump on and have a look at what at at the bring forward rule on the ATO through the myGov and make sure that that is definitely available.","start":316.325,"end":329.46,"sentiment":"neutral","sentiment_score":0.12093514452377956},{"text":"Okay.","start":330.31998,"end":330.63998,"sentiment":"neutral","sentiment_score":0.12339289486408234},{"text":"We can we can make that make that sale.","start":330.63998,"end":333.84,"sentiment":"neutral","sentiment_score":0.18692085891962051},{"text":"Just a, I guess, a question as to whether you wanna do that sale now and withdraw those funds or whether you just wanna wait until the July because there's there's no changes happening now.","start":333.84,"end":343.655,"sentiment":"neutral","sentiment_score":0.07474273528371539}],"sentiment":"neutral","sentiment_score":0.09108362981293461,"num_words":101,"start":308.48502,"end":343.655},{"sentences":[{"text":"No.","start":351.99,"end":352.49,"sentiment":"neutral","sentiment_score":-0.03541538491845131},{"text":"No.","start":352.71,"end":352.94998,"sentiment":"neutral","sentiment_score":-0.03188247233629227},{"text":"Not not penalized at all.","start":352.94998,"end":354.47,"sentiment":"neutral","sentiment_score":-0.04707947373390198},{"text":"Nope.","start":354.47,"end":354.97,"sentiment":"neutral","sentiment_score":0.04895851016044617},{"text":"Yeah.","start":368.43503,"end":368.755,"sentiment":"neutral","sentiment_score":0.19115199148654935}],"sentiment":"neutral","sentiment_score":-0.006953858253028661,"num_words":9,"start":351.99,"end":368.755},{"sentences":[{"text":"Absolutely.","start":368.755,"end":369.255,"sentiment":"neutral","sentiment_score":0.19674311578273773},{"text":"What I'll do is I'll flick an email through to you, and I'll cc Tommy in.","start":369.55502,"end":372.595,"sentiment":"neutral","sentiment_score":0.020479768747463822},{"text":"He is on paternity leave right now, but he's back in office next week.","start":372.595,"end":377.89502,"sentiment":"neutral","sentiment_score":-0.02243497595191002},{"text":"So I'll click an email through you him in just so he's aware, and we can and if you're if you're able to oh, no.","start":378.56,"end":390.70502,"sentiment":"neutral","sentiment_score":-0.024565249867737293},{"text":"I know.","start":390.70502,"end":391.265,"sentiment":"neutral","sentiment_score":-0.07455739006400108}],"sentiment":"neutral","sentiment_score":-0.009533039213896826,"num_words":58,"start":368.755,"end":391.265},{"sentences":[{"text":"He I've I've had a look through his notes, and I just didn't wanna keep you waiting all afternoon to spend two hours reading through his notes.","start":391.265,"end":400.165,"sentiment":"neutral","sentiment_score":-0.12897954919134025},{"text":"What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well.","start":401.185,"end":411.68,"sentiment":"neutral","sentiment_score":0.08116546209628989},{"text":"And then when he's back and raring to go in July, he can reach out, and we can get that sale happening and get those contributions made.","start":411.9,"end":418.8,"sentiment":"neutral","sentiment_score":0.13919698778125975},{"text":"Mhmm.","start":423.335,"end":423.835,"sentiment":"neutral","sentiment_score":-0.004449736792594194},{"text":"It it will show it now.","start":427.255,"end":428.69498,"sentiment":"neutral","sentiment_score":-0.0074294790004690485}],"sentiment":"neutral","sentiment_score":0.034849295853728465,"num_words":102,"start":391.265,"end":428.69498},{"sentences":[{"text":"It'll show you what's available right now.","start":428.69498,"end":430.875,"sentiment":"neutral","sentiment_score":-0.011356402142804914},{"text":"So it theoretically, if you jump on today, it'll show that this financial year is unavailable, but it should show that the next financial year and the year year after are available.","start":431.175,"end":440.75,"sentiment":"neutral","sentiment_score":-0.03128988473326899},{"text":"And that means that when we roll over July 1 that, obviously, this year becomes not available and the next year is available.","start":441.45,"end":449.96,"sentiment":"neutral","sentiment_score":-0.07618084695676099},{"text":"Cool.","start":453.525,"end":453.845,"sentiment":"positive","sentiment_score":0.3944578170776367},{"text":"Well, I'll flick that email through to you now, and that way you have someone to respond to.","start":453.845,"end":457.065,"sentiment":"neutral","sentiment_score":0.2679308131337166}],"sentiment":"neutral","sentiment_score":0.029435578358207287,"num_words":81,"start":428.69498,"end":457.065},{"sentences":[{"text":"That's okay, Richard.","start":458.84088,"end":460.0409,"sentiment":"neutral","sentiment_score":0.32817041873931885},{"text":"Did that answer all the questions?","start":460.0409,"end":461.34088,"sentiment":"neutral","sentiment_score":0.2391039878129959},{"text":"Perfect.","start":463.8809,"end":464.28088,"sentiment":"neutral","sentiment_score":0.2830672264099121},{"text":"No issues at all.","start":464.28088,"end":465.40088,"sentiment":"positive","sentiment_score":0.3898925930261612},{"text":"Have a good afternoon.","start":465.40088,"end":466.30087,"sentiment":"positive","sentiment_score":0.7197401225566864}],"sentiment":"positive","sentiment_score":0.3967074039909575,"num_words":18,"start":458.84088,"end":466.30087},{"sentences":[{"text":"Alright.","start":466.76086,"end":467.26086,"sentiment":"neutral","sentiment_score":0.20652544498443604},{"text":"Bye.","start":468.36087,"end":468.86087,"sentiment":"neutral","sentiment_score":-0.08845400810241699}],"sentiment":"neutral","sentiment_score":0.05903571844100952,"num_words":2,"start":466.76086,"end":468.86087}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. Mhmm. Yep. Yep. Okay. Yeah. Yeah. Well, Mercer wouldn't have nothing more than a little bit of interest on their savings. No. No. No. But I have I have a DFRDB pension that's taxable. Yep. 2025. Yeah. Mhmm. Yep. Yeah. Yeah. Yeah. Yep. Well, it's from from this July. We did it we did it there was a mix up three years ago. So so she did had a brought, let me say, concessional contribution and a non concessional contribution went in. And for some yeah. For some reason, there was a mix up. So and so her bring forward was twelve months earlier than what we expected, and we and we had to pay back 200 and something, 217,000. We had to take out of her pension. Yep. So so that but that three year period ends this July, so the next three years. Yeah. So what we were gonna do is replace that money, put 300,000 back in in July. And and my bring forward expires the following year. So anything that's left over, we'll put into my account then. Yep. Mhmm. Okay. This yeah. But if if we wait until July, it's we're not gonna be penalized because it's not the okay. Well, we'll we'll run with that. We'll wait until the beginning of July and then sort it. Yep. I have dis have discussed it with him before, the intention to but yeah. Yeah. Yeah. So if we get into myGov now, people show that, or we have to wait until July? Yeah. Okeydoke. Thank you. Yes. Thank you. 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Good. Thanks. Mhmm. Yep.\n\nYep. Okay. Yeah. Yeah. Well, Mercer wouldn't have nothing more than a little bit of interest on their savings.\n\nNo. No. No. But I have I have a DFRDB pension that's taxable. Yep.\n\n2025. Yeah. Mhmm. Yep. Yeah.\n\nYeah. Yeah. Yep. Well, it's from from this July. We did it we did it there was a mix up three years ago.\n\nSo so she did had a brought, let me say, concessional contribution and a non concessional contribution went in. And for some yeah. For some reason, there was a mix up. So and so her bring forward was twelve months earlier than what we expected, and we and we had to pay back 200 and something, 217,000. We had to take out of her pension.\n\nYep. So so that but that three year period ends this July, so the next three years. Yeah. So what we were gonna do is replace that money, put 300,000 back in in July. And and my bring forward expires the following year.\n\nSo anything that's left over, we'll put into my account then. Yep. Mhmm. Okay. This yeah.\n\nBut if if we wait until July, it's we're not gonna be penalized because it's not the okay. Well, we'll we'll run with that. We'll wait until the beginning of July and then sort it. Yep. I have dis have discussed it with him before, the intention to but yeah.\n\nYeah. Yeah. So if we get into myGov now, people show that, or we have to wait until July? Yeah. Okeydoke.\n\nThank you. Yes. Thank you. Alright.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.025568887591362},{"text":"Good.","start":5.2799997,"end":5.6,"sentiment":"positive","sentiment_score":0.6300672888755798},{"text":"Thanks.","start":5.6,"end":6.1,"sentiment":"positive","sentiment_score":0.7047186493873596},{"text":"Mhmm.","start":54.695,"end":55.195,"sentiment":"neutral","sentiment_score":-0.01403712760657072},{"text":"Yep.","start":60.07,"end":60.57,"sentiment":"negative","sentiment_score":-0.3807813823223114}],"sentiment":"neutral","sentiment_score":0.19310726318508387,"num_words":5,"start":1.28,"end":60.57},{"sentences":[{"text":"Yep.","start":78.165,"end":78.665,"sentiment":"neutral","sentiment_score":0.06639638543128967},{"text":"Okay.","start":83.46,"end":83.96,"sentiment":"neutral","sentiment_score":0.04637384042143822},{"text":"Yeah.","start":93.700005,"end":93.94,"sentiment":"neutral","sentiment_score":0.04385603219270706},{"text":"Yeah.","start":93.94,"end":94.26,"sentiment":"neutral","sentiment_score":0.04770038276910782},{"text":"Well, Mercer wouldn't have nothing more than a little bit of interest on their savings.","start":94.26,"end":101.655,"sentiment":"neutral","sentiment_score":-0.047964573527375855}],"sentiment":"neutral","sentiment_score":-0.0271127348471629,"num_words":19,"start":78.165,"end":101.655},{"sentences":[{"text":"No.","start":106.915,"end":107.155,"sentiment":"neutral","sentiment_score":-0.2261817008256912},{"text":"No.","start":107.155,"end":107.64,"sentiment":"neutral","sentiment_score":-0.2649196982383728},{"text":"No.","start":108.28,"end":108.52,"sentiment":"neutral","sentiment_score":-0.09550090879201888},{"text":"But I have I have a DFRDB pension that's taxable.","start":108.52,"end":112.38,"sentiment":"neutral","sentiment_score":-0.06156965382397175},{"text":"Yep.","start":114.76,"end":115.26,"sentiment":"neutral","sentiment_score":0.014582539908587933}],"sentiment":"neutral","sentiment_score":-0.08483687901337232,"num_words":14,"start":106.915,"end":115.26},{"sentences":[{"text":"2025.","start":119.4,"end":121.215,"sentiment":"neutral","sentiment_score":0.0126767223700881},{"text":"Yeah.","start":122.395,"end":122.895,"sentiment":"neutral","sentiment_score":0.06600822508335114},{"text":"Mhmm.","start":131.995,"end":132.45,"sentiment":"neutral","sentiment_score":0.00010716542601585388},{"text":"Yep.","start":135.41,"end":135.91,"sentiment":"neutral","sentiment_score":0.2112929075956345},{"text":"Yeah.","start":166.48001,"end":166.8,"sentiment":"neutral","sentiment_score":0.133537620306015}],"sentiment":"neutral","sentiment_score":0.08472452815622092,"num_words":5,"start":119.4,"end":166.8},{"sentences":[{"text":"Yeah.","start":166.8,"end":167.12001,"sentiment":"neutral","sentiment_score":0.0930722802877426},{"text":"Yeah.","start":167.12001,"end":167.62001,"sentiment":"neutral","sentiment_score":0.07081001996994019},{"text":"Yep.","start":167.84001,"end":168.34001,"sentiment":"neutral","sentiment_score":0.13312092423439026},{"text":"Well, it's from from this July.","start":174.08,"end":178.245,"sentiment":"neutral","sentiment_score":-0.010053130332380533},{"text":"We did it we did it there was a mix up three years ago.","start":180.30501,"end":186.085,"sentiment":"neutral","sentiment_score":-0.06796321272850037}],"sentiment":"neutral","sentiment_score":-0.0310782841609224,"num_words":23,"start":166.8,"end":186.085},{"sentences":[{"text":"So so she did had a brought, let me say, concessional contribution and a non concessional contribution went in.","start":186.545,"end":198.76001,"sentiment":"neutral","sentiment_score":0.004353125432604237},{"text":"And for some yeah.","start":200.58,"end":205.685,"sentiment":"neutral","sentiment_score":-0.0487063005566597},{"text":"For some reason, there was a mix up.","start":205.685,"end":207.44499,"sentiment":"neutral","sentiment_score":-0.1586336623877287},{"text":"So and so her bring forward was twelve months earlier than what we expected, and we and we had to pay back 200 and something, 217,000.","start":207.44499,"end":228.21501,"sentiment":"neutral","sentiment_score":-0.012006234234342208},{"text":"We had to take out of her pension.","start":228.755,"end":231.015,"sentiment":"neutral","sentiment_score":-0.06939891027286649}],"sentiment":"neutral","sentiment_score":-0.03459289985207411,"num_words":65,"start":186.545,"end":231.015},{"sentences":[{"text":"Yep.","start":231.395,"end":231.895,"sentiment":"neutral","sentiment_score":-0.004456560127437115},{"text":"So so that but that three year period ends this July, so the next three years.","start":233.475,"end":241.94,"sentiment":"neutral","sentiment_score":0.02215881203301251},{"text":"Yeah.","start":242.87999,"end":243.2,"sentiment":"neutral","sentiment_score":0.1489754319190979},{"text":"So what we were gonna do is replace that money, put 300,000 back in in July.","start":243.2,"end":250.65999,"sentiment":"neutral","sentiment_score":0.1801551729440689},{"text":"And and my bring forward expires the following year.","start":252.64,"end":262.715,"sentiment":"neutral","sentiment_score":0.28834176394674516}],"sentiment":"neutral","sentiment_score":0.13899112806850394,"num_words":43,"start":231.395,"end":262.715},{"sentences":[{"text":"So anything that's left over, we'll put into my account then.","start":264.215,"end":267.69,"sentiment":"neutral","sentiment_score":0.27700232646682044},{"text":"Yep.","start":281.13,"end":281.63,"sentiment":"neutral","sentiment_score":0.1081746742129326},{"text":"Mhmm.","start":294.535,"end":295.035,"sentiment":"neutral","sentiment_score":0.06760851293802261},{"text":"Okay.","start":311.89502,"end":312.39502,"sentiment":"neutral","sentiment_score":0.019165625795722008},{"text":"This yeah.","start":343.825,"end":344.86502,"sentiment":"neutral","sentiment_score":0.05986390635371208}],"sentiment":"neutral","sentiment_score":0.2101063885493204,"num_words":16,"start":264.215,"end":344.86502},{"sentences":[{"text":"But if if we wait until July, it's we're not gonna be penalized because it's not the okay.","start":344.86502,"end":357.65997,"sentiment":"neutral","sentiment_score":0.014524636065794362},{"text":"Well, we'll we'll run with that.","start":357.65997,"end":360.06,"sentiment":"neutral","sentiment_score":0.13660713036855063},{"text":"We'll wait until the beginning of July and then sort it.","start":360.06,"end":366.885,"sentiment":"neutral","sentiment_score":0.11089113422415474},{"text":"Yep.","start":370.005,"end":370.505,"sentiment":"neutral","sentiment_score":0.018870871514081955},{"text":"I have dis have discussed it with him before, the intention to but yeah.","start":386.5,"end":398.595,"sentiment":"neutral","sentiment_score":-0.05102872768683093}],"sentiment":"neutral","sentiment_score":0.03210714783519506,"num_words":50,"start":344.86502,"end":398.595},{"sentences":[{"text":"Yeah.","start":399.215,"end":399.535,"sentiment":"neutral","sentiment_score":-0.019136734306812286},{"text":"Yeah.","start":399.535,"end":400.035,"sentiment":"neutral","sentiment_score":-0.004914738237857819},{"text":"So if we get into myGov now, people show that, or we have to wait until July?","start":419.94,"end":429.315,"sentiment":"neutral","sentiment_score":-0.007288347436662982},{"text":"Yeah.","start":436.015,"end":436.38,"sentiment":"neutral","sentiment_score":-0.011323349550366402},{"text":"Okeydoke.","start":451.475,"end":451.975,"sentiment":"neutral","sentiment_score":0.13371187448501587}],"sentiment":"neutral","sentiment_score":-0.001217374001585302,"num_words":21,"start":399.215,"end":451.975},{"sentences":[{"text":"Thank you.","start":457.395,"end":458.135,"sentiment":"positive","sentiment_score":0.5489897131919861},{"text":"Yes.","start":461.74088,"end":462.06088,"sentiment":"neutral","sentiment_score":0.27888619899749756},{"text":"Thank you.","start":462.06088,"end":463.36087,"sentiment":"positive","sentiment_score":0.5867416858673096},{"text":"Alright.","start":466.70087,"end":467.20087,"sentiment":"neutral","sentiment_score":0.29686567187309265}],"sentiment":"positive","sentiment_score":0.4745357781648636,"num_words":6,"start":457.395,"end":467.20087}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Richard. Larissa from OQ Financial. How are you going?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. I'm back in the office, and I've had a look at everything. So I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account. Now based on where the account stands today and under current rules so the proposed tax rules don't aren't proposed to come into effect if they do get approved until 07/01/2027. So we've got essentially twelve months or twelve and a half months before anything triggers, and the proposed does include a grandfathering to the current rules.\n\nSo which means because the current rules are basically that, you know, any capital gain is discounted 15 50% if it's been owned for twelve months\n\nChannel 1: Mhmm.\n\nChannel 0: versus the proposed is a flat 30% tax, which\n\nChannel 1: Yep.\n\nChannel 0: is very frustrating. Now I had a look and under the current rules, essentially, as it currently stands, there is a after the discounts and everything are applied, there's a $20,000 capital gain. Now the account is actually held in two names, so that means\n\nChannel 1: Yep.\n\nChannel 0: that it's a 10,000 capital gain for you and a 10,000 capital gain for Marsha, which\n\nChannel 1: Okay.\n\nChannel 0: is under the tax free threshold. So there would no not be any tax applicable to that gain outside of any other income sources.\n\nChannel 1: Yeah. Yeah. Well, Mercer wouldn't have nothing more than a little bit of interest on their savings.\n\nChannel 0: Yeah. That'd be, you know, $1,818,200 dollars for\n\nChannel 1: No.\n\nChannel 0: us.\n\nChannel 1: No. No. But I have I have a DFRDB pension that's taxable.\n\nChannel 0: Okay. And what is that\n\nChannel 1: Yep.\n\nChannel 0: what is that the year?\n\nChannel 1: 2025.\n\nChannel 0: Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: you it it'll be 1616% on the $10. So it'll be it it basically, that's $61,600. Not too much\n\nChannel 1: Mhmm.\n\nChannel 0: that you would you would pay from that gain. Now\n\nChannel 1: Yep.\n\nChannel 0: the other the other avenue or the, I guess, question mark is I know that there was a lot of attribution strategies that were put in place for both of your accounts. And I there are there are rules that are in place for how much you can put into the super fund, and $300,000 into Misha's fund would be a bring forward. So it means that she'd be she'd be eating into the future year's contribution\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: amounts.\n\nChannel 1: Yep.\n\nChannel 0: And I'm not sure when or what financial year she's able to start making those contributions again.\n\nChannel 1: Well, it's from from this July.\n\nChannel 0: July\n\nChannel 1: We\n\nChannel 0: next\n\nChannel 1: did\n\nChannel 0: year.\n\nChannel 1: it we did it there was a mix up three years ago. So so\n\nChannel 0: Yes.\n\nChannel 1: she did had a brought, let me say, concessional contribution and a non concessional contribution went in. And\n\nChannel 0: Mhmm. The confessional was\n\nChannel 1: for\n\nChannel 0: counted\n\nChannel 1: some\n\nChannel 0: as nonconcessional.\n\nChannel 1: yeah. For some reason, there was a mix up. So and so her\n\nChannel 0: Yes.\n\nChannel 1: bring forward was twelve months earlier than what we expected,\n\nChannel 0: Yeah.\n\nChannel 1: and we and we had to pay back 200 and something, 217,000. We had\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: It was withdrawn\n\nChannel 1: take out\n\nChannel 0: from the\n\nChannel 1: of\n\nChannel 0: account\n\nChannel 1: her pension.\n\nChannel 0: because it was\n\nChannel 1: Yep.\n\nChannel 0: yep.\n\nChannel 1: So so that but that three year period ends this July, so\n\nChannel 0: Okay.\n\nChannel 1: the next\n\nChannel 0: And\n\nChannel 1: three\n\nChannel 0: she's able\n\nChannel 1: years.\n\nChannel 0: to start contributing.\n\nChannel 1: Yeah. So what\n\nChannel 0: She's able\n\nChannel 1: we were\n\nChannel 0: to\n\nChannel 1: gonna\n\nChannel 0: use.\n\nChannel 1: do is replace that money, put 300,000 back in\n\nChannel 0: Yep.\n\nChannel 1: in July. And\n\nChannel 0: Cool.\n\nChannel 1: and my bring forward expires the following year. So anything that's left over, we'll put into my account then.\n\nChannel 0: Perfect. Okay. Cool. So we can still definitely do that. I would want confirmation because I know that the I I'm I'm aware that there was that the concessional mix up.\n\nChannel 1: Yep.\n\nChannel 0: So I would want to jump on. It does have to be merged, obviously, but jump onto myGov to make sure that the that her bring forward is available because it would show up as available\n\nChannel 1: Mhmm.\n\nChannel 0: now on her myGov account as to what is available just so we definitely do a double check. I know that I've previously done the math on file as to when she's able to contribute. I would just have to dig through all of the final\n\nChannel 1: Okay.\n\nChannel 0: notes to find that again, but I always like to double check. So if you're able to jump on and have a look at what at at the bring forward rule on the ATO through the myGov and make sure that that is definitely available. Okay. We can we can make that make that sale. Just a, I guess, a question as to whether you wanna do that sale now and withdraw those funds or whether you just wanna wait until the July because there's there's no changes happening now.\n\nChannel 1: This yeah. But if if we wait until July, it's we're not gonna be penalized because\n\nChannel 0: No.\n\nChannel 1: it's not\n\nChannel 0: No. Not not penalized at all. Nope.\n\nChannel 1: the okay. Well, we'll we'll run with that. We'll wait until the beginning of July and then sort it.\n\nChannel 0: Yeah. Absolutely. What I'll do\n\nChannel 1: Yep.\n\nChannel 0: is I'll flick an email through to you, and I'll cc Tommy in. He is on paternity leave right now, but he's back in office next week. So I'll click an email through you him in just so he's aware, and we can\n\nChannel 1: I have dis\n\nChannel 0: and if\n\nChannel 1: have\n\nChannel 0: you're if\n\nChannel 1: discussed\n\nChannel 0: you're able\n\nChannel 1: it\n\nChannel 0: to\n\nChannel 1: with him before, the intention\n\nChannel 0: oh, no. I know.\n\nChannel 1: to\n\nChannel 0: He\n\nChannel 1: but\n\nChannel 0: I've I've had a look through his notes, and I just didn't wanna keep you waiting all afternoon to spend two hours reading\n\nChannel 1: yeah.\n\nChannel 0: through\n\nChannel 1: Yeah.\n\nChannel 0: his\n\nChannel 1: Yeah.\n\nChannel 0: notes. What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well. And then when he's back and raring to go in July, he can reach out, and we can get that sale happening and get those contributions made.\n\nChannel 1: So if we get into myGov now,\n\nChannel 0: Mhmm.\n\nChannel 1: people show that, or we have to wait until\n\nChannel 0: It it will show it now. It'll\n\nChannel 1: July?\n\nChannel 0: show you what's available right now. So it theoretically, if you jump on today, it'll show that this financial year is unavailable, but it\n\nChannel 1: Yeah.\n\nChannel 0: should show that the next financial year and the year year after are available. And that means that when we roll over July 1 that, obviously, this year becomes not available and the next year is available.\n\nChannel 1: Okeydoke.\n\nChannel 0: Cool. Well, I'll flick that email through to you now, and that way you have someone to respond to.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay, Richard. Did that answer all the questions?\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Perfect. No issues at all. Have a good afternoon.\n\nChannel 1: Alright.\n\nChannel 0: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.025568887591362}],"sentiment":"neutral","sentiment_score":0.025568887591362,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Richard.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.12034956365823746},{"text":"Larissa from OQ Financial.","start":3.12,"end":4.24,"sentiment":"neutral","sentiment_score":0.15160128101706505},{"text":"How are you going?","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.18989180400967598}],"sentiment":"neutral","sentiment_score":0.1606671467423439,"channel":0,"num_words":10,"start":2.48,"end":5.06},{"sentences":[{"text":"Good.","start":5.2799997,"end":5.6,"sentiment":"positive","sentiment_score":0.6300672888755798},{"text":"Thanks.","start":5.6,"end":6.1,"sentiment":"positive","sentiment_score":0.7047186493873596}],"sentiment":"positive","sentiment_score":0.6673929691314697,"channel":1,"num_words":2,"start":5.2799997,"end":6.1},{"sentences":[{"text":"That's good.","start":6.24,"end":7.2,"sentiment":"positive","sentiment_score":0.6800403296947479},{"text":"I'm back in the office, and I've had a look at everything.","start":7.2,"end":9.3,"sentiment":"neutral","sentiment_score":0.23348364730676016},{"text":"So I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account.","start":9.599999,"end":20.335,"sentiment":"neutral","sentiment_score":0.13916459047923918},{"text":"Now based on where the account stands today and under current rules so the proposed tax rules don't aren't proposed to come into effect if they do get approved until 07/01/2027.","start":20.635,"end":34.27,"sentiment":"neutral","sentiment_score":0.03376072134462095},{"text":"So we've got essentially twelve months or twelve and a half months before anything triggers, and the proposed does include a grandfathering to the current rules.","start":34.73,"end":45.675,"sentiment":"neutral","sentiment_score":0.01616619688530381}],"sentiment":"neutral","sentiment_score":0.10282358179330571,"channel":0,"num_words":117,"start":6.24,"end":45.675},{"sentences":[{"text":"So which means because the current rules are basically that, you know, any capital gain is discounted 15 50% if it's been owned for twelve months","start":45.895,"end":54.235,"sentiment":"neutral","sentiment_score":0.010146133995686587}],"sentiment":"neutral","sentiment_score":0.010146133995686587,"channel":0,"num_words":26,"start":45.895,"end":54.235},{"sentences":[{"text":"Mhmm.","start":54.695,"end":55.195,"sentiment":"neutral","sentiment_score":-0.01403712760657072}],"sentiment":"neutral","sentiment_score":-0.01403712760657072,"channel":1,"num_words":1,"start":54.695,"end":55.195},{"sentences":[{"text":"versus the proposed is a flat 30% tax, which","start":55.254997,"end":60.15,"sentiment":"neutral","sentiment_score":-0.2051567319366667}],"sentiment":"neutral","sentiment_score":-0.2051567319366667,"channel":0,"num_words":9,"start":55.254997,"end":60.15},{"sentences":[{"text":"Yep.","start":60.07,"end":60.57,"sentiment":"negative","sentiment_score":-0.3807813823223114}],"sentiment":"negative","sentiment_score":-0.3807813823223114,"channel":1,"num_words":1,"start":60.07,"end":60.57},{"sentences":[{"text":"is very frustrating.","start":60.15,"end":61.13,"sentiment":"negative","sentiment_score":-0.6583495736122131},{"text":"Now I had a look and under the current rules, essentially, as it currently stands, there is a after the discounts and everything are applied, there's a $20,000 capital gain.","start":63.190002,"end":75.535,"sentiment":"neutral","sentiment_score":-0.11313779714206855},{"text":"Now the account is actually held in two names, so that means","start":75.595,"end":78.315,"sentiment":"neutral","sentiment_score":0.04462539870291948}],"sentiment":"neutral","sentiment_score":-0.10741506334808137,"channel":0,"num_words":45,"start":60.15,"end":78.315},{"sentences":[{"text":"Yep.","start":78.165,"end":78.665,"sentiment":"neutral","sentiment_score":0.06639638543128967}],"sentiment":"neutral","sentiment_score":0.06639638543128967,"channel":1,"num_words":1,"start":78.165,"end":78.665},{"sentences":[{"text":"that it's a 10,000 capital gain for you and a 10,000 capital gain for Marsha, which","start":78.315,"end":83.695,"sentiment":"neutral","sentiment_score":0.09042150480672717}],"sentiment":"neutral","sentiment_score":0.09042150480672717,"channel":0,"num_words":16,"start":78.315,"end":83.695},{"sentences":[{"text":"Okay.","start":83.46,"end":83.96,"sentiment":"neutral","sentiment_score":0.04637384042143822}],"sentiment":"neutral","sentiment_score":0.04637384042143822,"channel":1,"num_words":1,"start":83.46,"end":83.96},{"sentences":[{"text":"is under the tax free threshold.","start":84.340004,"end":86.04,"sentiment":"neutral","sentiment_score":0.06879937462508678},{"text":"So there would no not be any tax applicable to that gain outside of any other income 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final","start":308.48502,"end":310.905,"sentiment":"neutral","sentiment_score":0.012631814588199963}],"sentiment":"neutral","sentiment_score":0.043412657130671585,"channel":0,"num_words":46,"start":294.995,"end":310.905},{"sentences":[{"text":"Okay.","start":311.89502,"end":312.39502,"sentiment":"neutral","sentiment_score":0.019165625795722008}],"sentiment":"neutral","sentiment_score":0.019165625795722008,"channel":1,"num_words":1,"start":311.89502,"end":312.39502},{"sentences":[{"text":"notes to find that again, but I always like to double check.","start":312.005,"end":315.70502,"sentiment":"neutral","sentiment_score":0.05399671010673046},{"text":"So if you're able to jump on and have a look at what at at the bring forward rule on the ATO through the myGov and make sure that that is definitely available.","start":316.325,"end":329.46,"sentiment":"neutral","sentiment_score":0.12093514452377956},{"text":"Okay.","start":330.31998,"end":330.63998,"sentiment":"neutral","sentiment_score":0.12339289486408234},{"text":"We can we can make that make that sale.","start":330.63998,"end":333.84,"sentiment":"neutral","sentiment_score":0.18692085891962051},{"text":"Just a, I guess, a question as to whether you wanna do that sale now and withdraw those funds or whether you just wanna wait until the July because there's there's no changes happening now.","start":333.84,"end":343.655,"sentiment":"neutral","sentiment_score":0.07474273528371539}],"sentiment":"neutral","sentiment_score":0.10067218500706884,"channel":0,"num_words":90,"start":312.005,"end":343.655},{"sentences":[{"text":"This yeah.","start":343.825,"end":344.86502,"sentiment":"neutral","sentiment_score":0.05986390635371208},{"text":"But if if we wait until July, it's we're not gonna be penalized because","start":344.86502,"end":352.14502,"sentiment":"neutral","sentiment_score":0.011177252046763897}],"sentiment":"neutral","sentiment_score":0.01726308383513242,"channel":1,"num_words":16,"start":343.825,"end":352.14502},{"sentences":[{"text":"No.","start":351.99,"end":352.49,"sentiment":"neutral","sentiment_score":-0.03541538491845131}],"sentiment":"neutral","sentiment_score":-0.03541538491845131,"channel":0,"num_words":1,"start":351.99,"end":352.49},{"sentences":[{"text":"it's not","start":352.14502,"end":352.86,"sentiment":"neutral","sentiment_score":-0.03830171562731266}],"sentiment":"neutral","sentiment_score":-0.03830171562731266,"channel":1,"num_words":2,"start":352.14502,"end":352.86},{"sentences":[{"text":"No.","start":352.71,"end":352.94998,"sentiment":"neutral","sentiment_score":-0.03188247233629227},{"text":"Not not penalized at all.","start":352.94998,"end":354.47,"sentiment":"neutral","sentiment_score":-0.04707947373390198},{"text":"Nope.","start":354.47,"end":354.97,"sentiment":"neutral","sentiment_score":0.04895851016044617}],"sentiment":"neutral","sentiment_score":-0.031188761549336568,"channel":0,"num_words":7,"start":352.71,"end":354.97},{"sentences":[{"text":"the okay.","start":356.69998,"end":357.65997,"sentiment":"neutral","sentiment_score":0.09078267589211464},{"text":"Well, we'll we'll run with that.","start":357.65997,"end":360.06,"sentiment":"neutral","sentiment_score":0.13660713036855063},{"text":"We'll wait until the beginning of July and then sort it.","start":360.06,"end":366.885,"sentiment":"neutral","sentiment_score":0.11089113422415474}],"sentiment":"neutral","sentiment_score":0.11689529528743342,"channel":1,"num_words":19,"start":356.69998,"end":366.885},{"sentences":[{"text":"Yeah.","start":368.43503,"end":368.755,"sentiment":"neutral","sentiment_score":0.19115199148654935},{"text":"Absolutely.","start":368.755,"end":369.255,"sentiment":"neutral","sentiment_score":0.19674311578273773},{"text":"What I'll do","start":369.55502,"end":370.035,"sentiment":"neutral","sentiment_score":0.017051873728632927}],"sentiment":"neutral","sentiment_score":0.08781014569103718,"channel":0,"num_words":5,"start":368.43503,"end":370.035},{"sentences":[{"text":"Yep.","start":370.005,"end":370.505,"sentiment":"neutral","sentiment_score":0.018870871514081955}],"sentiment":"neutral","sentiment_score":0.018870871514081955,"channel":1,"num_words":1,"start":370.005,"end":370.505},{"sentences":[{"text":"is I'll flick an email through to you, and I'll cc Tommy in.","start":370.035,"end":372.595,"sentiment":"neutral","sentiment_score":0.021270821444117106},{"text":"He is on paternity leave right now, but he's back in office next week.","start":372.595,"end":377.89502,"sentiment":"neutral","sentiment_score":-0.02243497595191002},{"text":"So I'll click an email through you him in just so he's aware, and we can","start":378.56,"end":384.98,"sentiment":"neutral","sentiment_score":-0.0015937293064780533}],"sentiment":"neutral","sentiment_score":-0.0014667128710899242,"channel":0,"num_words":43,"start":370.035,"end":384.98},{"sentences":[{"text":"I have dis","start":386.5,"end":387.06,"sentiment":"neutral","sentiment_score":-0.06785312543312709}],"sentiment":"neutral","sentiment_score":-0.06785312543312709,"channel":1,"num_words":3,"start":386.5,"end":387.06},{"sentences":[{"text":"and 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able","start":387.68,"end":388.16,"sentiment":"neutral","sentiment_score":-0.038197802379727364}],"sentiment":"neutral","sentiment_score":-0.038197802379727364,"channel":0,"num_words":2,"start":387.68,"end":388.16},{"sentences":[{"text":"it","start":388.09998,"end":388.18,"sentiment":"neutral","sentiment_score":-0.030804768204689022}],"sentiment":"neutral","sentiment_score":-0.030804768204689022,"channel":1,"num_words":1,"start":388.09998,"end":388.18},{"sentences":[{"text":"to","start":388.16,"end":388.24,"sentiment":"neutral","sentiment_score":-0.056793902069330215}],"sentiment":"neutral","sentiment_score":-0.056793902069330215,"channel":0,"num_words":1,"start":388.16,"end":388.24},{"sentences":[{"text":"with him before, the intention","start":388.18,"end":390.75998,"sentiment":"neutral","sentiment_score":-0.03817233443260193}],"sentiment":"neutral","sentiment_score":-0.03817233443260193,"channel":1,"num_words":5,"start":388.18,"end":390.75998},{"sentences":[{"text":"oh, no.","start":390.465,"end":390.70502,"sentiment":"neutral","sentiment_score":-0.09418081864714622},{"text":"I know.","start":390.70502,"end":391.265,"sentiment":"neutral","sentiment_score":-0.07455739006400108}],"sentiment":"neutral","sentiment_score":-0.08436910435557365,"channel":0,"num_words":4,"start":390.465,"end":391.265},{"sentences":[{"text":"to","start":391.06,"end":391.3,"sentiment":"neutral","sentiment_score":-0.018380269408226013}],"sentiment":"neutral","sentiment_score":-0.018380269408226013,"channel":1,"num_words":1,"start":391.06,"end":391.3},{"sentences":[{"text":"He","start":391.265,"end":391.42502,"sentiment":"neutral","sentiment_score":-0.02706099860370159}],"sentiment":"neutral","sentiment_score":-0.02706099860370159,"channel":0,"num_words":1,"start":391.265,"end":391.42502},{"sentences":[{"text":"but","start":391.62,"end":392.12,"sentiment":"neutral","sentiment_score":-0.06731532514095306}],"sentiment":"neutral","sentiment_score":-0.06731532514095306,"channel":1,"num_words":1,"start":391.62,"end":392.12},{"sentences":[{"text":"I've I've had a look through his notes, and I just didn't wanna keep you waiting all afternoon to spend two hours reading","start":392.465,"end":398.565,"sentiment":"neutral","sentiment_score":-0.14732367869304575}],"sentiment":"neutral","sentiment_score":-0.14732367869304575,"channel":0,"num_words":23,"start":392.465,"end":398.565},{"sentences":[{"text":"yeah.","start":398.095,"end":398.595,"sentiment":"neutral","sentiment_score":-0.10145807266235352}],"sentiment":"neutral","sentiment_score":-0.10145807266235352,"channel":1,"num_words":1,"start":398.095,"end":398.595},{"sentences":[{"text":"through","start":399.105,"end":399.505,"sentiment":"neutral","sentiment_score":-0.03796445578336716}],"sentiment":"neutral","sentiment_score":-0.03796445578336716,"channel":0,"num_words":1,"start":399.105,"end":399.505},{"sentences":[{"text":"Yeah.","start":399.215,"end":399.535,"sentiment":"neutral","sentiment_score":-0.019136734306812286}],"sentiment":"neutral","sentiment_score":-0.019136734306812286,"channel":1,"num_words":1,"start":399.215,"end":399.535},{"sentences":[{"text":"his","start":399.505,"end":399.665,"sentiment":"neutral","sentiment_score":-0.013442592695355415}],"sentiment":"neutral","sentiment_score":-0.013442592695355415,"channel":0,"num_words":1,"start":399.505,"end":399.665},{"sentences":[{"text":"Yeah.","start":399.535,"end":400.035,"sentiment":"neutral","sentiment_score":-0.004914738237857819}],"sentiment":"neutral","sentiment_score":-0.004914738237857819,"channel":1,"num_words":1,"start":399.535,"end":400.035},{"sentences":[{"text":"notes.","start":399.665,"end":400.165,"sentiment":"neutral","sentiment_score":-0.015535171143710612},{"text":"What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well.","start":401.185,"end":411.68,"sentiment":"neutral","sentiment_score":0.08116546209628989},{"text":"And then when he's back and raring to go in July, he can reach out, and we can get that sale happening and get those contributions made.","start":411.9,"end":418.8,"sentiment":"neutral","sentiment_score":0.13919698778125975}],"sentiment":"neutral","sentiment_score":0.10247199195504621,"channel":0,"num_words":69,"start":399.665,"end":418.8},{"sentences":[{"text":"So if we get into myGov now,","start":419.94,"end":422.28,"sentiment":"neutral","sentiment_score":0.011533116123506002}],"sentiment":"neutral","sentiment_score":0.011533116123506002,"channel":1,"num_words":7,"start":419.94,"end":422.28},{"sentences":[{"text":"Mhmm.","start":423.335,"end":423.835,"sentiment":"neutral","sentiment_score":-0.004449736792594194}],"sentiment":"neutral","sentiment_score":-0.004449736792594194,"channel":0,"num_words":1,"start":423.335,"end":423.835},{"sentences":[{"text":"people show that, or we have to wait until","start":424.095,"end":426.275,"sentiment":"neutral","sentiment_score":-0.022816674783825874}],"sentiment":"neutral","sentiment_score":-0.022816674783825874,"channel":1,"num_words":9,"start":424.095,"end":426.275},{"sentences":[{"text":"It it will show it now.","start":427.255,"end":428.69498,"sentiment":"neutral","sentiment_score":-0.0074294790004690485},{"text":"It'll","start":428.69498,"end":428.935,"sentiment":"neutral","sentiment_score":0.0004406267253216356}],"sentiment":"neutral","sentiment_score":-0.006305178182498951,"channel":0,"num_words":7,"start":427.255,"end":428.935},{"sentences":[{"text":"July?","start":428.815,"end":429.315,"sentiment":"neutral","sentiment_score":0.0007163537666201591}],"sentiment":"neutral","sentiment_score":0.0007163537666201591,"channel":1,"num_words":1,"start":428.815,"end":429.315},{"sentences":[{"text":"show you what's available right now.","start":428.935,"end":430.875,"sentiment":"neutral","sentiment_score":-0.013322573620826006},{"text":"So it theoretically, if you jump on today, it'll show that this financial year is unavailable, but it","start":431.175,"end":436.09,"sentiment":"neutral","sentiment_score":-0.034127071551564664}],"sentiment":"neutral","sentiment_score":-0.028925947068880003,"channel":0,"num_words":24,"start":428.935,"end":436.09},{"sentences":[{"text":"Yeah.","start":436.015,"end":436.38,"sentiment":"neutral","sentiment_score":-0.011323349550366402}],"sentiment":"neutral","sentiment_score":-0.011323349550366402,"channel":1,"num_words":1,"start":436.015,"end":436.38},{"sentences":[{"text":"should show that the next financial year and the year year after are available.","start":436.09,"end":440.75,"sentiment":"neutral","sentiment_score":-0.02764207310974598},{"text":"And that means that when we roll over July 1 that, obviously, this year becomes not available and the next year is available.","start":441.45,"end":449.96,"sentiment":"neutral","sentiment_score":-0.07618084695676099}],"sentiment":"neutral","sentiment_score":-0.057814824420052605,"channel":0,"num_words":37,"start":436.09,"end":449.96},{"sentences":[{"text":"Okeydoke.","start":451.475,"end":451.975,"sentiment":"neutral","sentiment_score":0.13371187448501587}],"sentiment":"neutral","sentiment_score":0.13371187448501587,"channel":1,"num_words":1,"start":451.475,"end":451.975},{"sentences":[{"text":"Cool.","start":453.525,"end":453.845,"sentiment":"positive","sentiment_score":0.3944578170776367},{"text":"Well, I'll flick that email through to you now, and that way you have someone to respond to.","start":453.845,"end":457.065,"sentiment":"neutral","sentiment_score":0.2679308131337166}],"sentiment":"neutral","sentiment_score":0.274590129130765,"channel":0,"num_words":19,"start":453.525,"end":457.065},{"sentences":[{"text":"Thank you.","start":457.395,"end":458.135,"sentiment":"positive","sentiment_score":0.5489897131919861}],"sentiment":"positive","sentiment_score":0.5489897131919861,"channel":1,"num_words":2,"start":457.395,"end":458.135},{"sentences":[{"text":"That's okay, Richard.","start":458.84088,"end":460.0409,"sentiment":"neutral","sentiment_score":0.32817041873931885},{"text":"Did that answer all the questions?","start":460.0409,"end":461.34088,"sentiment":"neutral","sentiment_score":0.2391039878129959}],"sentiment":"neutral","sentiment_score":0.2687927981217702,"channel":0,"num_words":9,"start":458.84088,"end":461.34088},{"sentences":[{"text":"Yes.","start":461.74088,"end":462.06088,"sentiment":"neutral","sentiment_score":0.27888619899749756},{"text":"Thank 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afternoon.","start":465.40088,"end":466.30087,"sentiment":"positive","sentiment_score":0.7197401225566864}],"sentiment":"positive","sentiment_score":0.5246220098601447,"channel":0,"num_words":9,"start":463.8809,"end":466.30087},{"sentences":[{"text":"Alright.","start":466.70087,"end":467.20087,"sentiment":"neutral","sentiment_score":0.29686567187309265}],"sentiment":"neutral","sentiment_score":0.29686567187309265,"channel":1,"num_words":1,"start":466.70087,"end":467.20087},{"sentences":[{"text":"Alright.","start":466.76086,"end":467.26086,"sentiment":"neutral","sentiment_score":0.20652544498443604},{"text":"Bye.","start":468.36087,"end":468.86087,"sentiment":"neutral","sentiment_score":-0.08845400810241699}],"sentiment":"neutral","sentiment_score":0.05903571844100952,"channel":0,"num_words":2,"start":466.76086,"end":468.86087}]},"summary":{"result":"success","short":"A representative from OQ Financial called Richard to discuss tax regulations and proposed contributions for his accounts. The representative explains that there is a risk of a taxable retirement savings and that the account is held in two names. They also discuss the possibility of a bring-forward and the possibility of a sale of the accounts. The representative will send a screenshot of the options and a confirmation email to Richard."},"intents":{"segments":[{"text":"I'm back in the office, and I've had a look at everything. So I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account.","start_word":15,"end_word":72,"intents":[{"intent":"Provide maximum capital gains","confidence_score":0.02472396}]},{"text":"So I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account.","start_word":27,"end_word":72,"intents":[{"intent":"Offer full trade","confidence_score":0.0033995206}]},{"text":"Now based on where the account stands today and under current rules so the proposed tax rules don't aren't proposed to come into effect if they do get approved until 07/01/2027.","start_word":73,"end_word":103,"intents":[{"intent":"Explain proposed tax rules","confidence_score":0.2669432},{"intent":"Explain current tax rules","confidence_score":0.0123638045}]},{"text":"versus the proposed is a flat 30% tax, which Yep. is very frustrating.","start_word":157,"end_word":169,"intents":[{"intent":"Explain tax coverage","confidence_score":0.00013195469}]},{"text":"you it it'll be 1616% on the $10. So it'll be it it basically, that's $61,600. Not too much Mhmm.","start_word":308,"end_word":327,"intents":[{"intent":"Calculate contribution amount","confidence_score":0.0129709365}]},{"text":"So what She's able we were to gonna use. do is replace that money, put 300,000 back in Yep. in July.","start_word":572,"end_word":592,"intents":[{"intent":"Replace funds","confidence_score":0.0090221055}]},{"text":"I would want confirmation because I know that the I I'm I'm aware that there was that the concessional mix up. Yep. So I would want to jump on. It does have to be merged, obviously, but jump onto myGov to make sure that the that her bring forward is available because it would show up as available Mhmm.","start_word":624,"end_word":682,"intents":[{"intent":"Confirm availability","confidence_score":0.24479109}]},{"text":"We can we can make that make that sale. Just a, I guess, a question as to whether you wanna do that sale now and withdraw those funds or whether you just wanna wait until the July because there's there's no changes happening now. This yeah.","start_word":776,"end_word":821,"intents":[{"intent":"Pull funds","confidence_score":0.0021678333}]},{"text":"What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well.","start_word":968,"end_word":1008,"intents":[{"intent":"Request and send screenshot","confidence_score":0.00022300651}]},{"text":"What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well. And then when he's back and raring to go in July, he can reach out, and we can get that sale happening and get those contributions made.","start_word":968,"end_word":1035,"intents":[{"intent":"Request gov's attention","confidence_score":0.00007559994}]},{"text":"should show that the next financial year and the year year after are available. And that means that when we roll over July 1 that, obviously, this year becomes not available and the next year is available.","start_word":1086,"end_word":1122,"intents":[{"intent":"Request next financial year's availability","confidence_score":0.00031201742}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Richard. Larissa from OQ Financial. How are you going?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1417892873287201},{"text":"Good. Thanks. That's good.","start_word":11,"end_word":14,"sentiment":"positive","sentiment_score":0.6792200207710266},{"text":"I'm back in the office, and I've had a look at everything. So I did a I just I just to make it easy for myself, I did a full trade as if we were to sell all of the assets right now just to get some maximum, like, capital gains that would be applicable to the account. Now based on where the account stands today and under current rules so the proposed tax rules don't aren't proposed to come into effect if they do get approved until 07/01/2027. So we've got essentially twelve months or twelve and a half months before anything triggers, and the proposed does include a grandfathering to the current rules. So which means because the current rules are basically that, you know, any capital gain is discounted 15 50% if it's been owned for twelve months Mhmm. versus the proposed is a flat 30% tax, which Yep.","start_word":15,"end_word":166,"sentiment":"neutral","sentiment_score":0.0533854179084301},{"text":"is very frustrating.","start_word":167,"end_word":169,"sentiment":"negative","sentiment_score":-0.6447952389717102},{"text":"Now I had a look and under the current rules, essentially, as it currently stands, there is a after the discounts and everything are applied, there's a $20,000 capital gain. Now the account is actually held in two names, so that means Yep. that it's a 10,000 capital gain for you and a 10,000 capital gain for Marsha, which Okay. is under the tax free threshold. So there would no not be any tax applicable to that gain outside of any other income sources. Yeah. Yeah. Well, Mercer wouldn't have nothing more than a little bit of interest on their savings. Yeah. That'd be, you know, $1,818,200 dollars for No. us. No. No. But I have I have a DFRDB pension that's taxable. Okay. And what is that Yep. what is that the year? 2025. Okay. So Yeah. you it it'll be 1616% on the $10. So it'll be it it basically, that's $61,600. Not too much Mhmm. that you would you would pay from that gain. Now Yep. the other the other avenue or the, I guess, question mark is I know that there was a lot of attribution strategies that were put in place for both of your accounts. And I there are there are rules that are in place for how much you can put into the super fund, and $300,000 into Misha's fund would be a bring forward. So it means that she'd be she'd be eating into the future year's contribution Yeah. Yeah. Yeah. amounts. Yep. And I'm not sure when or what financial year she's able to start making those contributions again. Well, it's from from this July. July We next did year. it we did it there was a mix up three years ago. So so Yes. she did had a brought, let me say, concessional contribution and a non concessional contribution went in. And Mhmm. The confessional was for counted some as nonconcessional. yeah. For some reason, there was a mix up. So and so her Yes. bring forward was twelve months earlier than what we expected, Yeah. and we and we had to pay back 200 and something, 217,000. We had Yeah. to It was withdrawn take out from the of account her pension. because it was Yep. yep. So so that but that three year period ends this July, so Okay. the next And three she's able years. to start contributing. Yeah. So what She's able we were to gonna use. do is replace that money, put 300,000 back in Yep. in July.","start_word":170,"end_word":592,"sentiment":"neutral","sentiment_score":0.03477548035940521},{"text":"And Cool.","start_word":593,"end_word":594,"sentiment":"positive","sentiment_score":0.5014809370040894},{"text":"and my bring forward expires the following year. So anything that's left over, we'll put into my account then.","start_word":595,"end_word":613,"sentiment":"neutral","sentiment_score":0.2803991734981537},{"text":"Perfect. Okay. Cool. So we can still definitely do that.","start_word":614,"end_word":623,"sentiment":"positive","sentiment_score":0.5911428928375244},{"text":"I would want confirmation because I know that the I I'm I'm aware that there was that the concessional mix up. Yep. So I would want to jump on. It does have to be merged, obviously, but jump onto myGov to make sure that the that her bring forward is available because it would show up as available Mhmm. now on her myGov account as to what is available just so we definitely do a double check. I know that I've previously done the math on file as to when she's able to contribute. I would just have to dig through all of the final Okay. notes to find that again, but I always like to double check. So if you're able to jump on and have a look at what at at the bring forward rule on the ATO through the myGov and make sure that that is definitely available. Okay. We can we can make that make that sale. Just a, I guess, a question as to whether you wanna do that sale now and withdraw those funds or whether you just wanna wait until the July because there's there's no changes happening now. This yeah. But if if we wait until July, it's we're not gonna be penalized because No. it's not No. Not not penalized at all. Nope. the okay. Well, we'll we'll run with that. We'll wait until the beginning of July and then sort it. Yeah. Absolutely. What I'll do Yep. is I'll flick an email through to you, and I'll cc Tommy in. He is on paternity leave right now, but he's back in office next week. So I'll click an email through you him in just so he's aware, and we can I have dis and if have you're if discussed you're able it to with him before, the intention oh, no. I know. to He but I've I've had a look through his notes, and I just didn't wanna keep you waiting all afternoon to spend two hours reading yeah. through Yeah. his Yeah. notes. What what I'll get you to do is jump get Marsha to jump on to my gov and just double check that before the call and just send the screenshot through just so that way Tommy has that confirmation as well. And then when he's back and raring to go in July, he can reach out, and we can get that sale happening and get those contributions made. So if we get into myGov now, Mhmm. people show that, or we have to wait until It it will show it now. It'll July? show you what's available right now. So it theoretically, if you jump on today, it'll show that this financial year is unavailable, but it Yeah. should show that the next financial year and the year year after are available. And that means that when we roll over July 1 that, obviously, this year becomes not available and the next year is available. Okeydoke.","start_word":624,"end_word":1123,"sentiment":"neutral","sentiment_score":0.03631776956189424},{"text":"Cool.","start_word":1124,"end_word":1124,"sentiment":"positive","sentiment_score":0.3944578170776367},{"text":"Well, I'll flick that email through to you now, and that way you have someone to respond to.","start_word":1125,"end_word":1142,"sentiment":"neutral","sentiment_score":0.2695920169353485},{"text":"Thank you.","start_word":1143,"end_word":1144,"sentiment":"positive","sentiment_score":0.5249588489532471},{"text":"That's okay, Richard. Did that answer all the questions? Yes.","start_word":1145,"end_word":1154,"sentiment":"neutral","sentiment_score":0.2796138525009155},{"text":"Thank you. Perfect. No issues at all. Have a good afternoon.","start_word":1155,"end_word":1165,"sentiment":"positive","sentiment_score":0.5832423351027749},{"text":"Alright. Alright. Bye.","start_word":1166,"end_word":1168,"sentiment":"neutral","sentiment_score":0.22716082632541656}],"average":{"sentiment":"neutral","sentiment_score":0.06421241595725989}}}}