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I wait a couple of minutes and then give a quick call because I understand that mad dash. Very well. Thank you. How are you? That's good. So to introduce myself, I'm the head of financial advice here at o two Financial, And my whole role is as a financial planner is to basically during a conversation like this is to meet and get an understanding as to where you're sitting, what's going on with life, and, ultimately, what goals, short and long term, you have planned for yourself so we can achieve those. Now, I guess, before I do jump into it, I do wanna let you know that our calls are recorded, if that's okay. Yeah. Cool. So I think the best way that I I like starting these meetings is to just get you to tell me about yourself and where where you sit and go from there. It's okay. Yep. Yep. Yep. Yeah. Yes. Correct. Nineties. Yeah. Not early early nineties, it became mandatory, but yeah. Yeah. Yep. Yeah. Mhmm. Yeah. Okay. Yes. Yep. Yeah. Okay. Yes. So there there definitely is. There's a little bit more information I need to be able to do said said modeling, but but you've done very well to summarize everything. Okay. So you said four years currently is what you've been employed in the public sector. So another six years would put you to, basically, your long service leave, which I assume is what you what you're referencing with regards to a payout. Yeah. Yeah. Yeah. Okay. That gives me a bit more. 6 and a half thousand. Yep. Okay. Perfect. Yep. Yeah. Possibly. So okay. So let's let's let's do it this way. You said you're currently down in Yambo build building a home. So what is what's the value of the home when we're finished building? Go ahead. Yep. Okay. No. Yeah. Yeah. Oh, that's okay. Cool. So you reference we. I'm assuming you are married or partnered? Oh, okay. Perfect. No. That's okay. Alright. So perfect. No. That's okay. So let's go this way and slow it down and and take a a bit of a step back. So occupation wise, you're an analyst, Department of Home Affairs, Border Force, income that you currently receive from them? Do you know what your gross annual is? Oh, it's a it's a 100? Okay. Mhmm. That's perfect. No. That's a 100 and two. No. That's okay. Perfect. And you stated that your employer pays 15%. Super guarantee. Perfect. Are we currently salary sacrificing or have any additional contribution arrangements? Yep. No. That's okay. Just wanted to double check whether we did. Okay. And then you said your wife doesn't work. Is in receipt of any benefits? Nope. Yeah. Yeah. Like, all the bank accounts and stuff are are held by her. Yeah. A lot cheaper when it comes to tax. Out outside of the PPR that we're building or the primary place of residence that we're building, what other assets do we currently hold? K. Cars, vehicles, trailers. Coach. Yep. Do you know cool. Perfect. Alright. Okay. So with respect to the money that we're going we're estimating that we're gonna receive in about five years, the mill, I'm going out on a leap and saying that it's set to be a wealth transfer from the generation above you. Yeah. Cool. Okay. So with the million, it's obviously undetermined when that's going to land, but you are correct that it will obviously have an effect on you and your overall positions. I know. I know. It can be painful for that. So it depends on how it's set to come to you. Do you know how the relative has the estate set up? Is it in a trust or is it just Yep. Yeah. Yep. Yeah. Yeah. Or whatever the benefits. Yeah. Absolutely. Yeah. It'll it'll come tax paid. And then, obviously, once you are in receipt of those of those those funds, it'll affect your overall position. I mean, the good thing is is that, theoretically, with regards to, like, part pension amounts, a couple combined can currently, at current rates, have up to 1.8 one point o eight five. So $1,085,000 for a homeowner, which, of course, is what you would be. Based on the fact that you would have a $300,000 mortgage, million dollars paid, that'll take you down to about 700, then what your super has, you might be just skipping that part pension amount that would give you the ability to have part pension. The cool thing about part pension is well, the pension as a whole is it's not just the money that you receive from Centrelink or services. It's the benefits. Correct. It's the cheap for electricity bill, the, you know, concession card, stuff like that. So pension could be on the cards. There is always what's called sheltering the money. So it it depends on what you're wanting to do. And, generally, it's not a conversation I would fully have with regards to the million dollars at the initial onset because it's not guaranteed, a, how much you're getting, or, b, when it's going to land. So currently, it's all theorized. Yeah. Pretty much. Questions? Yeah. Mhmm. Yes. And it would also very much be tax savings as well. So it all depends on what you're wanting to get out of the con out of, I guess, this conversation because there is there is a 100% stuff that we can do to generate wealth in, like, more aggressive investments, like, can can definitely be a part of what we look at. We can definitely look at sheltering down the line, you know, even if it is a small portion. May I ask, in the life you've led sheltering? It's like legal hiding. It's the way I kinda find it. So no. No. So Centrelink so right now, if you were to quit your job, Centrelink would look at you as as a whole. They would look at the fact that you are a 68 year old gentleman with let's just say you've moved into your home. You have a primary residence and you have x amount of assets. Your vehicle is a nonfinancial asset, so it is assets tested, but it is not income tested. Any cash that you have in the bank, any money that you have in your superannuation fund, and any other shares or anything like that that you have are financial assets. Those assets are both asset tested and income tested. And the way they deem income is they use deeming rates. So they don't turn around and say, well, that money's in cash and the cash rate's 4.25%, and that money's invested in a aggressive portfolio. So we're gonna say that it's gonna generate 8% worth of returns, and therefore, your income is this. They have a specific deemed calculator that you use, and it's it's very minimal rates. It's sitting at sort of there's two different sections for how the calculator works. There's basically 3.25% is how they deem income. So, you know, if you have $200,000, it's debited 3.25%. And that's what the income that is assumed that you would derive from that asset. So they then utilize that to determine, well, if you have this many this this much in financial assets, you are deemed to have this much income. Is that above or below our minimum, maximum allowable income? Because the allowable income for CenturyLink to get full pension rates based on the income test is only $218 a fortnight. Very minimal. Now with your superannuation fund, it is a financial asset. So it is it is it is deemed. There are ways that you can it it's it's called sheltering, but there's, basically, there's ways that you can shelter the money so Centrelink can't see all of it. They can only basically see a portion of the money, and the money still exists. The money is still there. It's just that it is tested differently for Centrelink's purposes. Because rather than being superannuation held, it kind of falls under the life insurance act. So it becomes a bit bit of a different holding to how Centrelink holds. Outside of that, what I was gonna ask is, do you have any children yourself? I I assume they might be grown up. The reason I ask is when and and, again, this is definitely a future conversation, but it's just something, I guess, for through through for thought. When you do receive the the mill, obviously, the mortgage is primary. Yeah. When the when it can be, but the issue is is that's actually called gifting, and that would that would affect your Centrelink benefits if you were to just give money away because then Centrelink sees that as you trying to push your wealth onto family and keep it within the family, but not be tested against the tests that they test you against. But there are other ways to do it, like put the money inside bonds that are not means tested for Centrelink, have a ten year maturity, which means that you're putting money away for the kids for when they get older. I understand they would be older already. I'm assuming they're somewhere in their thirties or so or possibly older than that depending on how early we started. Cool. So it it just depends on what you're going to do. So bonds? No. Bonds are generally yeah. You do. You you do have access to the to the to the funds, but how a bond works is basically after ten years, it's tax free assets. Before ten years, it is sheltered, but it is you're tested against or you're you pay your marginal rate when you withdraw money. So it works the same as any kind of investment that you would sell. So if if you bought stocks on the market and then sold the stocks, it's the capital gains assessment on what you buy for, what did you sell for, what's the assumed or what's the the the rate of return that gets added to your assessable income and so on and so forth. Obviously, as a retire as as you know, if you were to retire, wouldn't really matter if you were to start liquidating stocks because you have no you have no income. Yep. So definitely something that we can we can sort of look at when that becomes becomes a a issue, I guess. Now now can I ask who or where does your superannuation currently fit? It's like q q super equivalent. Yep. Yep. Yes. No. I know. I know the I know I know the brand you're talking about. Sorry. That's okay. No. I'm not. Yes. Yes. Very much so. Yep. Yeah. The public sector is a is a fun one just to watch. Okay. So your wife is of similar age to yourself? Okay. Perfect. And could I ask your actual date of birth just so I can November. Perfect. And your wife's name so that way I don't just can keep Linda. LA India. Perfect. Linda. Oh, perfect. Oh, has a birthday coming up. So with regards to and I guess this is currently, you're working full time, I would assume. So thirty eight hours a week and or more. Cool. There are avenues that can be taken currently by you with respect to your wage and income. So because you are in, like, earning a $100,000, and I'm getting around it purely and simply because it's a little bit easy palatable and we we like round numbers. So with a $100,000 income or 102, you sit inside the 30% tax bracket and marginal rate. So any money that you earn over $45,000 is taxed at 30¢ on the dollar. So with respect to your income, what you could theoretically do, and it would depend on what you had access to in your concessional contribution caps, is you could actually salary sacrifice a lot more of your income. Not a 100%, but you could salary sacrifice quite a considerable amount of your income. And from that money going in, you could then draw it out tax free. So you would end up saving 15¢ on every dollar because the superannuation tax rate is 15% versus 30. Yeah. Mhmm. Mhmm. Well, you don't so when the money lands in the super environment, the 15% would come off. And then when you pull it out, it's tax free. Yes. Correct. Yes. Now there's obviously rates that we need to be considerate of because currently, the concessional contribution caps are $30,000. Next year, they increase to 32,500. And if you exceed any of those caps within a given year, you end up paying what's called division two nine three tax, and you end up with a higher tax rate and all the rest of it. So it becomes less tax a becomes less tax effective. So there are considerations you need to make. However, because your balance is low, you can actually correct. So what I was gonna say is because your con your your balance is low, you can actually trigger and utilize what's called a carry forward rule, which is if your balance is under 500,000, which obviously it is, then you can utilize years gone by cats. Now we are obviously at the end of this financial year, which means that you are about to lose the financial year for 1920. Yeah. The financial year said 2019 to 2020, which means you'll never be able to get that back. So theoretically speaking, if you had available cash, which I know you do currently because you're mid billed, is you could and I would theoretically, like, I this is not me recommending anything. This is me just talking. Is we could put a lump sum month funds into your super funds. You could just pay it direct from your bank into your super fund. You then submit you could then submit what's called, like, a notice of intent to claim, which enables the super fund to convert those money into concessional contributions, and then you just draw that back out whenever you wanted to. So it could sit in the super fund for the next blah months until you need the money to deal with the house build. It wouldn't really matter, and then you could just draw it out tax free. Because you are over 65, you have no limitations to what you can pull out of your fund. Theoretically, you could turn around today and pull the whole lot out. Obviously, that's not what you're wanting to do, but you know? Yes. Yep. And what you're living off currently. So you could put it in because what would hap so what happens under that scenario is it depends on how quickly you submit your tax return, really. But it is you would put money into the super fund. You would submit a notice of intent to claim. When you submit your tax return next year, you would get the tax that you paid on those funds back in your tax return. So it comes back into your back pocket that way. Yes. You get the tax back because the assumption is is that you've already paid your marginal rate on the funds that you put in. Yeah. Of course you have. Sure. Yeah. So you get that back. So that is something that you could do. It just depends on how comfortable you are living without that money until you get your tax return submitted and la la la la. If you're a lazy person like me and doesn't look at your tax return until, like, September, October, because financial financial year gets very, very busy for me. There. I do too. Don't worry. Every year, I'm like, we're gonna do it in July, and it never happens. So if you're already chasing your account to get two years worth of worth of fine like, tax returns done, you you it could, especially if you're basically gonna sit down with him in July and get all three done. No. So to be able to know exactly the amount that you could put in, what what we would realistically do is log in to myGov, which is a you thing, not a me thing because I can never no one can ever really log in to myGov apart from you. Is log in to myGov, go to the ATO if you have that linked, and then in that menu, you can have a look at super. And then in that super menu, there's a drop down that says carry forward contributions. That will show you historically every year's worth of contributions that have been made, the total amount of contributions made. It'll show you what's left remaining in the caps. Because over the last, oh, I don't know, over the last decade, there's been a couple of different changes that have happened to Super. And one of those was obviously the rolling increase to concessional contributions and the increase with the caps. So the cap used to be, you know, 25,000, then it increased to 27 and a half. Now it's 30. Next year, it goes to 32 and a half. Your employer is obviously paying over the rate that the standard rate. Everyone else is on 12%. You're up on 15. Providing your employer has been paying 15 the whole time, Hunky dory. We can we can pretty much reassume what what how much has been paid in. But then it also depends because sometimes, depending on how the payment falls or the fortnight's full or the month or, you know, payroll pressing the button, you might have got a cheeky extra payment within a within a a financial year and then a one less in the next financial year, so to speak. It all just depends on how those those weeks do roll through and where the day is full. So, yeah, if you're able to obtain though those those rates, we can kinda go from there. Now, realistically, from an initial consultation, what happens from my side is I would generally get, you know, a prospective client to provide me with a number of other, like, documents and information. And then what I do is I put together a statement of advice, advising you on where to go, what to do, how to do it, what the tax savings look like, how we get to the strategies that you wanna get to, what the growth on your superannuation fund looks like, and then other superannuation funds, other investment options that are available in the market, how we do what we do, and on from there. And then should you so choose to accept my advice and have me implement it, I would become an ongoing adviser for you, and I would be able to work through implementing those things. If you chose not to accept my advice, then I would shake your hand, metaphorically speaking, and you would be welcome to, you know, go off and either do it yourself and or look at other avenues. So given the time sensitive side of things, give like, from what we've just discussed, if you would like to actually look at actioning anything in this financial year before it rolls over. So if you really wanna look at trying to put money into the Superfund this year, I will basically need all of the documents within the next couple of days. And I will email you with what I need, and it will be Latrobe statements, and it'll be the Police Credit Union statements, and it'll be, you know, the Superfund statements and balances and investments. And there was one more thing. Oh, and the my gov and the my gov screenshot of what available of a yes. Of what what you have available. So that way, I can go through from there. And your last pay slip would be very useful if possible. So yeah. So if I send you an email with a request for those documents, from there, what I can do is I can start putting things together. Realistically, I'll have to have a look at the super fund that you're currently with to see when they have close off dates for any contributions and stuff made. Because so long as the money is in the account, all the paperwork on the back end can be done later, like, after the rollover of financial year. Some funds close the doors to their contributions early purely and simply because, otherwise, it's a mad dash for them. There are other bigger funds that actually put stuff on over the weekends. Because when contributions are made, they're made, and they go into a holding account within the super fund. They don't get allocated to the actual client account, and it's to get it done faster, they a lot of super funds put stuff on during the month of June to make sure that everything goes through. My favorite is when a client comes to me, like, three days before the end of financial year with a check. They're like, oh, I just wanna put this in. Not happening. So yeah. Of course. Mhmm. Yes. Salary sacrifice. Yep. Yep. Yes. It is. So what I yes. Absolutely. And I would I would calculate how that would look. So what what I'm what I'm kind of, I guess, mentally considering is the fact that we are about to lose a year. So it's it's a it's a rolling five years, and we're about to lose a year. Replace it. Yep. Let's try. Yep. And that should that should theoretically be on the electrode reports that you can provide anyway. Yeah. And and to be clear, there's there's never any way unless someone has liquid funds that they're willing to put into their super fund and have that sitting there for an extended period of time, then I would recommend that you go ahead and put what I'm gonna assume is to a $100,000 into the fund. What I'm the only thing I'm I'm spitballing is that we have a chunk of money that enables us to basically use a good portion of that one year. So it's probably gonna be in the vicinity of maybe 10 to $15 for that one year that's about to roll off. That's all. The other years, we can definitely use, and we can utilize them exactly as we've said by increasing salary sacrifice. Yes. Five. Yeah. Yeah. So if once you jump on my gov, it it literally it'll show you. It makes it really stupid proof. They don't show you every single year. They just show you the five you have access to. Yeah. 25, 27 and a half, and 30, unfortunately. Well, if you've been receiving 15% contributions on a $100,000, that's basically $15 a year, so it'll be the leftover of that. Yeah. So it'll be anywhere between that 10 and 15. Yeah. The math still works. That's okay. It's what I'm here for. Mhmm. Yep. So depends on the kind of structure that you want to look at going ahead with and how you wanna factor things in. But what we do is it's 3.3% upfront based on the funds under management that we're looking at basically managing or dealing with. From there, if you wanna enter into an ongoing agreement, ongoing advice where we continue to help you, then what we look at is 1.65% ongoing annually, and we can charge that across a month like, sorry, across the year monthly. If you just want a one off piece of advice that you're then able to implement, go, and hold, then that's absolutely fine as well. And then you can kind of always come back to us for, like, one off advice pieces or anything like that in the future, which is $1,500 when we sort of know your circumstances, know your situation, and we're able to basically have that conversation and just kinda update and go from there. Mhmm. It'd be 1,500 minimum. Okay. And that's payable on your acceptance of So I'm able to go ahead and technically do all of this first. And the reason we do it that way is so the Royal Commission came through in 2018, and and this like, Oakview Financial has been around since 2019. Both of the directors, Severiano Zata and Bart or Barth Barth Ryan, had been in the industries like myself for a little bit over a decade, and they came from quite large firms who would charge clients $5 for a piece of advice, so a statement of advice, the document that I would draw up for you. And what that what they would what that would result in is the client paying 2 and a half grand for this conversation, which then resulted in clients accepting whatever advice came across the table because they wanted to see a return on the investment that they'd already put in. The boys both wanna basically put money where our mouth is, put our right foot forward, and show you what we can do before you have to put any money on the line or, you know, agree to anything. Just putting faith faith and trust back into the industry. Mhmm. Yes. Yeah. Yeah. Essentially, you would be able to. Yeah. I sure can. No. Absolutely. I will just triple check-in my system because I know you're a new client. I just wanna make sure that we oh, yeah. Markrwally8@gmail.com? Perfect. Alright. Well, you'll have an email from me within a few moments. Not a problem at all, Mark. I will get everything rolling for you, and I'll turn it all around. And I'll be in touch when I have it all done before end of financial year. Not a problem at all, Mark. Thanks so much. You have a good one. K. 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Mark. It's Larissa from Oakview Financial. How are you going? No. That's okay.\n\nI I always have a rule of thumb. I wait a couple of minutes and then give a quick call because I understand that mad dash. Very well. Thank you. How are you?\n\nThat's good. So to introduce myself, I'm the head of financial advice here at o two Financial, And my whole role is as a financial planner is to basically during a conversation like this is to meet and get an understanding as to where you're sitting, what's going on with life, and, ultimately, what goals, short and long term, you have planned for yourself so we can achieve those. Now, I guess, before I do jump into it, I do wanna let you know that our calls are recorded, if that's okay. Yeah. Cool.\n\nSo I think the best way that I I like starting these meetings is to just get you to tell me about yourself and where where you sit and go from there. It's okay. Yep. Yep. Yep.\n\nYeah. Yes. Correct. Nineties. Yeah.\n\nNot early early nineties, it became mandatory, but yeah. Yeah. Yep. Yeah. Mhmm.\n\nYeah. Okay. Yes. Yep. Yeah.\n\nOkay. Yes. So there there definitely is. There's a little bit more information I need to be able to do said said modeling, but but you've done very well to summarize everything. Okay.\n\nSo you said four years currently is what you've been employed in the public sector. So another six years would put you to, basically, your long service leave, which I assume is what you what you're referencing with regards to a payout. Yeah. Yeah. Yeah.\n\nOkay. That gives me a bit more. 6 and a half thousand. Yep. Okay.\n\nPerfect. Yep. Yeah. Possibly. So okay.\n\nSo let's let's let's do it this way. You said you're currently down in Yambo build building a home. So what is what's the value of the home when we're finished building? Go ahead. Yep.\n\nOkay. No. Yeah. Yeah. Oh, that's okay.\n\nCool. So you reference we. I'm assuming you are married or partnered? Oh, okay. Perfect.\n\nNo. That's okay. Alright. So perfect. No.\n\nThat's okay. So let's go this way and slow it down and and take a a bit of a step back. So occupation wise, you're an analyst, Department of Home Affairs, Border Force, income that you currently receive from them? Do you know what your gross annual is? Oh, it's a it's a 100?\n\nOkay. Mhmm. That's perfect. No. That's a 100 and two.\n\nNo. That's okay. Perfect. And you stated that your employer pays 15%. Super guarantee.\n\nPerfect. Are we currently salary sacrificing or have any additional contribution arrangements? Yep. No. That's okay.\n\nJust wanted to double check whether we did. Okay. And then you said your wife doesn't work. Is in receipt of any benefits? Nope.\n\nYeah. Yeah. Like, all the bank accounts and stuff are are held by her. Yeah. A lot cheaper when it comes to tax.\n\nOut outside of the PPR that we're building or the primary place of residence that we're building, what other assets do we currently hold? K. Cars, vehicles, trailers. Coach. Yep.\n\nDo you know cool. Perfect. Alright. Okay. So with respect to the money that we're going we're estimating that we're gonna receive in about five years, the mill, I'm going out on a leap and saying that it's set to be a wealth transfer from the generation above you.\n\nYeah. Cool. Okay. So with the million, it's obviously undetermined when that's going to land, but you are correct that it will obviously have an effect on you and your overall positions. I know.\n\nI know. It can be painful for that. So it depends on how it's set to come to you. Do you know how the relative has the estate set up? Is it in a trust or is it just Yep.\n\nYeah. Yep. Yeah. Yeah. Or whatever the benefits.\n\nYeah. Absolutely. Yeah. It'll it'll come tax paid. And then, obviously, once you are in receipt of those of those those funds, it'll affect your overall position.\n\nI mean, the good thing is is that, theoretically, with regards to, like, part pension amounts, a couple combined can currently, at current rates, have up to 1.8 one point o eight five. So $1,085,000 for a homeowner, which, of course, is what you would be. Based on the fact that you would have a $300,000 mortgage, million dollars paid, that'll take you down to about 700, then what your super has, you might be just skipping that part pension amount that would give you the ability to have part pension. The cool thing about part pension is well, the pension as a whole is it's not just the money that you receive from Centrelink or services. It's the benefits.\n\nCorrect. It's the cheap for electricity bill, the, you know, concession card, stuff like that. So pension could be on the cards. There is always what's called sheltering the money. So it it depends on what you're wanting to do.\n\nAnd, generally, it's not a conversation I would fully have with regards to the million dollars at the initial onset because it's not guaranteed, a, how much you're getting, or, b, when it's going to land. So currently, it's all theorized. Yeah. Pretty much. Questions?\n\nYeah. Mhmm. Yes. And it would also very much be tax savings as well. So it all depends on what you're wanting to get out of the con out of, I guess, this conversation because there is there is a 100% stuff that we can do to generate wealth in, like, more aggressive investments, like, can can definitely be a part of what we look at.\n\nWe can definitely look at sheltering down the line, you know, even if it is a small portion. May I ask, in the life you've led sheltering? It's like legal hiding. It's the way I kinda find it. So no.\n\nNo. So Centrelink so right now, if you were to quit your job, Centrelink would look at you as as a whole. They would look at the fact that you are a 68 year old gentleman with let's just say you've moved into your home. You have a primary residence and you have x amount of assets. Your vehicle is a nonfinancial asset, so it is assets tested, but it is not income tested.\n\nAny cash that you have in the bank, any money that you have in your superannuation fund, and any other shares or anything like that that you have are financial assets. Those assets are both asset tested and income tested. And the way they deem income is they use deeming rates. So they don't turn around and say, well, that money's in cash and the cash rate's 4.25%, and that money's invested in a aggressive portfolio. So we're gonna say that it's gonna generate 8% worth of returns, and therefore, your income is this.\n\nThey have a specific deemed calculator that you use, and it's it's very minimal rates. It's sitting at sort of there's two different sections for how the calculator works. There's basically 3.25% is how they deem income. So, you know, if you have $200,000, it's debited 3.25%. And that's what the income that is assumed that you would derive from that asset.\n\nSo they then utilize that to determine, well, if you have this many this this much in financial assets, you are deemed to have this much income. Is that above or below our minimum, maximum allowable income? Because the allowable income for CenturyLink to get full pension rates based on the income test is only $218 a fortnight. Very minimal. Now with your superannuation fund, it is a financial asset.\n\nSo it is it is it is deemed. There are ways that you can it it's it's called sheltering, but there's, basically, there's ways that you can shelter the money so Centrelink can't see all of it. They can only basically see a portion of the money, and the money still exists. The money is still there. It's just that it is tested differently for Centrelink's purposes.\n\nBecause rather than being superannuation held, it kind of falls under the life insurance act. So it becomes a bit bit of a different holding to how Centrelink holds. Outside of that, what I was gonna ask is, do you have any children yourself? I I assume they might be grown up. The reason I ask is when and and, again, this is definitely a future conversation, but it's just something, I guess, for through through for thought.\n\nWhen you do receive the the mill, obviously, the mortgage is primary. Yeah. When the when it can be, but the issue is is that's actually called gifting, and that would that would affect your Centrelink benefits if you were to just give money away because then Centrelink sees that as you trying to push your wealth onto family and keep it within the family, but not be tested against the tests that they test you against. But there are other ways to do it, like put the money inside bonds that are not means tested for Centrelink, have a ten year maturity, which means that you're putting money away for the kids for when they get older. I understand they would be older already.\n\nI'm assuming they're somewhere in their thirties or so or possibly older than that depending on how early we started. Cool. So it it just depends on what you're going to do. So bonds? No.\n\nBonds are generally yeah. You do. You you do have access to the to the to the funds, but how a bond works is basically after ten years, it's tax free assets. Before ten years, it is sheltered, but it is you're tested against or you're you pay your marginal rate when you withdraw money. So it works the same as any kind of investment that you would sell.\n\nSo if if you bought stocks on the market and then sold the stocks, it's the capital gains assessment on what you buy for, what did you sell for, what's the assumed or what's the the the rate of return that gets added to your assessable income and so on and so forth. Obviously, as a retire as as you know, if you were to retire, wouldn't really matter if you were to start liquidating stocks because you have no you have no income. Yep. So definitely something that we can we can sort of look at when that becomes becomes a a issue, I guess. Now now can I ask who or where does your superannuation currently fit?\n\nIt's like q q super equivalent. Yep. Yep. Yes. No.\n\nI know. I know the I know I know the brand you're talking about. Sorry. That's okay. No.\n\nI'm not. Yes. Yes. Very much so. Yep.\n\nYeah. The public sector is a is a fun one just to watch. Okay. So your wife is of similar age to yourself? Okay.\n\nPerfect. And could I ask your actual date of birth just so I can November. Perfect. And your wife's name so that way I don't just can keep Linda. LA India.\n\nPerfect. Linda. Oh, perfect. Oh, has a birthday coming up. So with regards to and I guess this is currently, you're working full time, I would assume.\n\nSo thirty eight hours a week and or more. Cool. There are avenues that can be taken currently by you with respect to your wage and income. So because you are in, like, earning a $100,000, and I'm getting around it purely and simply because it's a little bit easy palatable and we we like round numbers. So with a $100,000 income or 102, you sit inside the 30% tax bracket and marginal rate.\n\nSo any money that you earn over $45,000 is taxed at 30¢ on the dollar. So with respect to your income, what you could theoretically do, and it would depend on what you had access to in your concessional contribution caps, is you could actually salary sacrifice a lot more of your income. Not a 100%, but you could salary sacrifice quite a considerable amount of your income. And from that money going in, you could then draw it out tax free. So you would end up saving 15¢ on every dollar because the superannuation tax rate is 15% versus 30.\n\nYeah. Mhmm. Mhmm. Well, you don't so when the money lands in the super environment, the 15% would come off. And then when you pull it out, it's tax free.\n\nYes. Correct. Yes. Now there's obviously rates that we need to be considerate of because currently, the concessional contribution caps are $30,000. Next year, they increase to 32,500.\n\nAnd if you exceed any of those caps within a given year, you end up paying what's called division two nine three tax, and you end up with a higher tax rate and all the rest of it. So it becomes less tax a becomes less tax effective. So there are considerations you need to make. However, because your balance is low, you can actually correct. So what I was gonna say is because your con your your balance is low, you can actually trigger and utilize what's called a carry forward rule, which is if your balance is under 500,000, which obviously it is, then you can utilize years gone by cats.\n\nNow we are obviously at the end of this financial year, which means that you are about to lose the financial year for 1920. Yeah. The financial year said 2019 to 2020, which means you'll never be able to get that back. So theoretically speaking, if you had available cash, which I know you do currently because you're mid billed, is you could and I would theoretically, like, I this is not me recommending anything. This is me just talking.\n\nIs we could put a lump sum month funds into your super funds. You could just pay it direct from your bank into your super fund. You then submit you could then submit what's called, like, a notice of intent to claim, which enables the super fund to convert those money into concessional contributions, and then you just draw that back out whenever you wanted to. So it could sit in the super fund for the next blah months until you need the money to deal with the house build. It wouldn't really matter, and then you could just draw it out tax free.\n\nBecause you are over 65, you have no limitations to what you can pull out of your fund. Theoretically, you could turn around today and pull the whole lot out. Obviously, that's not what you're wanting to do, but you know? Yes. Yep.\n\nAnd what you're living off currently. So you could put it in because what would hap so what happens under that scenario is it depends on how quickly you submit your tax return, really. But it is you would put money into the super fund. You would submit a notice of intent to claim. When you submit your tax return next year, you would get the tax that you paid on those funds back in your tax return.\n\nSo it comes back into your back pocket that way. Yes. You get the tax back because the assumption is is that you've already paid your marginal rate on the funds that you put in. Yeah. Of course you have.\n\nSure. Yeah. So you get that back. So that is something that you could do. It just depends on how comfortable you are living without that money until you get your tax return submitted and la la la la.\n\nIf you're a lazy person like me and doesn't look at your tax return until, like, September, October, because financial financial year gets very, very busy for me. There. I do too. Don't worry. Every year, I'm like, we're gonna do it in July, and it never happens.\n\nSo if you're already chasing your account to get two years worth of worth of fine like, tax returns done, you you it could, especially if you're basically gonna sit down with him in July and get all three done. No. So to be able to know exactly the amount that you could put in, what what we would realistically do is log in to myGov, which is a you thing, not a me thing because I can never no one can ever really log in to myGov apart from you. Is log in to myGov, go to the ATO if you have that linked, and then in that menu, you can have a look at super. And then in that super menu, there's a drop down that says carry forward contributions.\n\nThat will show you historically every year's worth of contributions that have been made, the total amount of contributions made. It'll show you what's left remaining in the caps. Because over the last, oh, I don't know, over the last decade, there's been a couple of different changes that have happened to Super. And one of those was obviously the rolling increase to concessional contributions and the increase with the caps. So the cap used to be, you know, 25,000, then it increased to 27 and a half.\n\nNow it's 30. Next year, it goes to 32 and a half. Your employer is obviously paying over the rate that the standard rate. Everyone else is on 12%. You're up on 15.\n\nProviding your employer has been paying 15 the whole time, Hunky dory. We can we can pretty much reassume what what how much has been paid in. But then it also depends because sometimes, depending on how the payment falls or the fortnight's full or the month or, you know, payroll pressing the button, you might have got a cheeky extra payment within a within a a financial year and then a one less in the next financial year, so to speak. It all just depends on how those those weeks do roll through and where the day is full. So, yeah, if you're able to obtain though those those rates, we can kinda go from there.\n\nNow, realistically, from an initial consultation, what happens from my side is I would generally get, you know, a prospective client to provide me with a number of other, like, documents and information. And then what I do is I put together a statement of advice, advising you on where to go, what to do, how to do it, what the tax savings look like, how we get to the strategies that you wanna get to, what the growth on your superannuation fund looks like, and then other superannuation funds, other investment options that are available in the market, how we do what we do, and on from there. And then should you so choose to accept my advice and have me implement it, I would become an ongoing adviser for you, and I would be able to work through implementing those things. If you chose not to accept my advice, then I would shake your hand, metaphorically speaking, and you would be welcome to, you know, go off and either do it yourself and or look at other avenues. So given the time sensitive side of things, give like, from what we've just discussed, if you would like to actually look at actioning anything in this financial year before it rolls over.\n\nSo if you really wanna look at trying to put money into the Superfund this year, I will basically need all of the documents within the next couple of days. And I will email you with what I need, and it will be Latrobe statements, and it'll be the Police Credit Union statements, and it'll be, you know, the Superfund statements and balances and investments. And there was one more thing. Oh, and the my gov and the my gov screenshot of what available of a yes. Of what what you have available.\n\nSo that way, I can go through from there. And your last pay slip would be very useful if possible. So yeah. So if I send you an email with a request for those documents, from there, what I can do is I can start putting things together. Realistically, I'll have to have a look at the super fund that you're currently with to see when they have close off dates for any contributions and stuff made.\n\nBecause so long as the money is in the account, all the paperwork on the back end can be done later, like, after the rollover of financial year. Some funds close the doors to their contributions early purely and simply because, otherwise, it's a mad dash for them. There are other bigger funds that actually put stuff on over the weekends. Because when contributions are made, they're made, and they go into a holding account within the super fund. They don't get allocated to the actual client account, and it's to get it done faster, they a lot of super funds put stuff on during the month of June to make sure that everything goes through.\n\nMy favorite is when a client comes to me, like, three days before the end of financial year with a check. They're like, oh, I just wanna put this in. Not happening. So yeah. Of course.\n\nMhmm. Yes. Salary sacrifice. Yep. Yep.\n\nYes. It is. So what I yes. Absolutely. And I would I would calculate how that would look.\n\nSo what what I'm what I'm kind of, I guess, mentally considering is the fact that we are about to lose a year. So it's it's a it's a rolling five years, and we're about to lose a year. Replace it. Yep. Let's try.\n\nYep. And that should that should theoretically be on the electrode reports that you can provide anyway. Yeah. And and to be clear, there's there's never any way unless someone has liquid funds that they're willing to put into their super fund and have that sitting there for an extended period of time, then I would recommend that you go ahead and put what I'm gonna assume is to a $100,000 into the fund. What I'm the only thing I'm I'm spitballing is that we have a chunk of money that enables us to basically use a good portion of that one year.\n\nSo it's probably gonna be in the vicinity of maybe 10 to $15 for that one year that's about to roll off. That's all. The other years, we can definitely use, and we can utilize them exactly as we've said by increasing salary sacrifice. Yes. Five.\n\nYeah. Yeah. So if once you jump on my gov, it it literally it'll show you. It makes it really stupid proof. They don't show you every single year.\n\nThey just show you the five you have access to. Yeah. 25, 27 and a half, and 30, unfortunately. Well, if you've been receiving 15% contributions on a $100,000, that's basically $15 a year, so it'll be the leftover of that. Yeah.\n\nSo it'll be anywhere between that 10 and 15. Yeah. The math still works. That's okay. It's what I'm here for.\n\nMhmm. Yep. So depends on the kind of structure that you want to look at going ahead with and how you wanna factor things in. But what we do is it's 3.3% upfront based on the funds under management that we're looking at basically managing or dealing with. From there, if you wanna enter into an ongoing agreement, ongoing advice where we continue to help you, then what we look at is 1.65% ongoing annually, and we can charge that across a month like, sorry, across the year monthly.\n\nIf you just want a one off piece of advice that you're then able to implement, go, and hold, then that's absolutely fine as well. And then you can kind of always come back to us for, like, one off advice pieces or anything like that in the future, which is $1,500 when we sort of know your circumstances, know your situation, and we're able to basically have that conversation and just kinda update and go from there. Mhmm. It'd be 1,500 minimum. Okay.\n\nAnd that's payable on your acceptance of So I'm able to go ahead and technically do all of this first. And the reason we do it that way is so the Royal Commission came through in 2018, and and this like, Oakview Financial has been around since 2019. Both of the directors, Severiano Zata and Bart or Barth Barth Ryan, had been in the industries like myself for a little bit over a decade, and they came from quite large firms who would charge clients $5 for a piece of advice, so a statement of advice, the document that I would draw up for you. And what that what they would what that would result in is the client paying 2 and a half grand for this conversation, which then resulted in clients accepting whatever advice came across the table because they wanted to see a return on the investment that they'd already put in. The boys both wanna basically put money where our mouth is, put our right foot forward, and show you what we can do before you have to put any money on the line or, you know, agree to anything.\n\nJust putting faith faith and trust back into the industry. Mhmm. Yes. Yeah. Yeah.\n\nEssentially, you would be able to. Yeah. I sure can. No. Absolutely.\n\nI will just triple check-in my system because I know you're a new client. I just wanna make sure that we oh, yeah. Markrwally8@gmail.com? Perfect. Alright.\n\nWell, you'll have an email from me within a few moments. Not a problem at all, Mark. I will get everything rolling for you, and I'll turn it all around. And I'll be in touch when I have it all done before end of financial year. Not a problem at all, Mark.\n\nThanks so much. You have a good one. K. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Mark.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.15101178735494614},{"text":"It's Larissa from Oakview Financial.","start":4.48,"end":6.42,"sentiment":"neutral","sentiment_score":0.17997809052467345},{"text":"How are you going?","start":6.48,"end":7.54,"sentiment":"neutral","sentiment_score":0.22584623098373413},{"text":"No.","start":12.385,"end":12.625,"sentiment":"neutral","sentiment_score":-0.06108243018388748},{"text":"That's okay.","start":12.625,"end":13.345,"sentiment":"neutral","sentiment_score":0.04430605098605156}],"sentiment":"neutral","sentiment_score":0.15234490164688655,"num_words":14,"start":3.9199998,"end":13.345},{"sentences":[{"text":"I I always have a rule of thumb.","start":13.345,"end":14.705,"sentiment":"neutral","sentiment_score":0.12266666628420353},{"text":"I wait a couple of minutes and then give a quick call because I understand that mad dash.","start":14.705,"end":19.125,"sentiment":"neutral","sentiment_score":0.051461451686918736},{"text":"Very well.","start":26.16,"end":26.72,"sentiment":"positive","sentiment_score":0.4055411368608475},{"text":"Thank you.","start":26.72,"end":27.119999,"sentiment":"positive","sentiment_score":0.4999239891767502},{"text":"How are you?","start":27.119999,"end":27.939999,"sentiment":"neutral","sentiment_score":0.24231759707132974}],"sentiment":"neutral","sentiment_score":0.13471280314931364,"num_words":33,"start":13.345,"end":27.939999},{"sentences":[{"text":"That's good.","start":30.08,"end":31.22,"sentiment":"positive","sentiment_score":0.4687485843896866},{"text":"So to introduce myself, I'm the head of financial advice here at o two Financial, And my whole role is as a financial planner is to basically during a conversation like this is to meet and get an understanding as to where you're sitting, what's going on with life, and, ultimately, what goals, short and long term, you have planned for yourself so we can achieve those.","start":32.16,"end":58.879997,"sentiment":"neutral","sentiment_score":0.23042762257269958},{"text":"Now, I guess, before I do jump into it, I do wanna let you know that our calls are recorded, if that's okay.","start":60.699997,"end":65.885,"sentiment":"neutral","sentiment_score":0.062216188920580826},{"text":"Yeah.","start":67.865,"end":68.265,"sentiment":"neutral","sentiment_score":0.1914022266864777},{"text":"Cool.","start":68.265,"end":68.765,"sentiment":"neutral","sentiment_score":0.25328299403190613}],"sentiment":"neutral","sentiment_score":0.19416814305363816,"num_words":94,"start":30.08,"end":68.765},{"sentences":[{"text":"So I think the best way that I I like starting these meetings is to just get you to tell me about yourself and where where you sit and go from there.","start":69.465,"end":79.97,"sentiment":"neutral","sentiment_score":0.23640782292932272},{"text":"It's okay.","start":85.63,"end":86.28999,"sentiment":"positive","sentiment_score":0.38855530321598053},{"text":"Yep.","start":96.365,"end":96.865,"sentiment":"neutral","sentiment_score":0.04688572138547897},{"text":"Yep.","start":121.83501,"end":122.33501,"sentiment":"neutral","sentiment_score":0.02193867787718773},{"text":"Yep.","start":131.05,"end":131.55,"sentiment":"neutral","sentiment_score":-0.0508066825568676}],"sentiment":"neutral","sentiment_score":0.22595077451016451,"num_words":37,"start":69.465,"end":131.55},{"sentences":[{"text":"Yeah.","start":143.86499,"end":144.36499,"sentiment":"neutral","sentiment_score":0.020590417087078094},{"text":"Yes.","start":153.0,"end":153.31999,"sentiment":"neutral","sentiment_score":0.09552121162414552},{"text":"Correct.","start":153.31999,"end":153.81999,"sentiment":"neutral","sentiment_score":0.13298362493515015},{"text":"Nineties.","start":163.495,"end":163.995,"sentiment":"neutral","sentiment_score":-0.030796673148870468},{"text":"Yeah.","start":164.61499,"end":165.09499,"sentiment":"neutral","sentiment_score":0.003589468076825142}],"sentiment":"neutral","sentiment_score":0.044377609714865686,"num_words":5,"start":143.86499,"end":165.09499},{"sentences":[{"text":"Not early early nineties, it became mandatory, but yeah.","start":165.09499,"end":169.20499,"sentiment":"neutral","sentiment_score":-0.006061147536254591},{"text":"Yeah.","start":192.96501,"end":193.46501,"sentiment":"neutral","sentiment_score":0.017429694533348083},{"text":"Yep.","start":201.52,"end":202.02,"sentiment":"neutral","sentiment_score":0.08306879550218582},{"text":"Yeah.","start":223.95,"end":224.45,"sentiment":"neutral","sentiment_score":0.14269085228443146},{"text":"Mhmm.","start":246.36499,"end":246.86499,"sentiment":"neutral","sentiment_score":0.02904903143644333}],"sentiment":"neutral","sentiment_score":0.01674523430231672,"num_words":13,"start":165.09499,"end":246.86499},{"sentences":[{"text":"Yeah.","start":266.405,"end":266.905,"sentiment":"neutral","sentiment_score":-0.04549271613359451},{"text":"Okay.","start":366.125,"end":366.625,"sentiment":"neutral","sentiment_score":0.06297749280929565},{"text":"Yes.","start":372.06,"end":372.56,"sentiment":"neutral","sentiment_score":0.09085051715373992},{"text":"Yep.","start":398.56998,"end":399.06998,"sentiment":"neutral","sentiment_score":-0.09935375303030014},{"text":"Yeah.","start":407.465,"end":407.965,"sentiment":"neutral","sentiment_score":-0.037417344748973846}],"sentiment":"neutral","sentiment_score":-0.005687160789966586,"num_words":5,"start":266.405,"end":407.965},{"sentences":[{"text":"Okay.","start":420.62,"end":421.12,"sentiment":"neutral","sentiment_score":0.10794246196746826},{"text":"Yes.","start":432.63498,"end":433.13498,"sentiment":"neutral","sentiment_score":0.12626931071281433},{"text":"So there there definitely is.","start":433.275,"end":434.715,"sentiment":"neutral","sentiment_score":0.12996211349964143},{"text":"There's a little bit more information I need to be able to do said said modeling, but but you've done very well to summarize everything.","start":434.715,"end":443.67,"sentiment":"neutral","sentiment_score":0.1626651780307293},{"text":"Okay.","start":445.01,"end":445.49002,"sentiment":"neutral","sentiment_score":0.07582806050777435}],"sentiment":"neutral","sentiment_score":0.15231757125619685,"num_words":33,"start":420.62,"end":445.49002},{"sentences":[{"text":"So you said four years currently is what you've been employed in the public sector.","start":445.49002,"end":450.39,"sentiment":"neutral","sentiment_score":0.01184729499121507},{"text":"So another six years would put you to, basically, your long service leave, which I assume is what you what you're referencing with regards to a payout.","start":450.93002,"end":458.595,"sentiment":"neutral","sentiment_score":-0.03725364376549368},{"text":"Yeah.","start":462.815,"end":463.315,"sentiment":"neutral","sentiment_score":0.04109037667512894},{"text":"Yeah.","start":474.03,"end":474.27002,"sentiment":"neutral","sentiment_score":0.0457952618598938},{"text":"Yeah.","start":474.27002,"end":474.77002,"sentiment":"neutral","sentiment_score":0.02092893421649933}],"sentiment":"neutral","sentiment_score":-0.016007208534412915,"num_words":45,"start":445.49002,"end":474.77002},{"sentences":[{"text":"Okay.","start":490.79,"end":491.29,"sentiment":"neutral","sentiment_score":-0.009631788358092308},{"text":"That gives me a bit more.","start":491.51,"end":493.51,"sentiment":"neutral","sentiment_score":-0.043921105563640594},{"text":"6 and a half thousand.","start":493.51,"end":495.13,"sentiment":"neutral","sentiment_score":-0.04182170070707798},{"text":"Yep.","start":497.75,"end":498.25,"sentiment":"neutral","sentiment_score":0.07601149380207062},{"text":"Okay.","start":504.885,"end":505.385,"sentiment":"neutral","sentiment_score":0.21477189660072327}],"sentiment":"neutral","sentiment_score":-0.013677395348037993,"num_words":14,"start":490.79,"end":505.385},{"sentences":[{"text":"Perfect.","start":505.765,"end":506.265,"sentiment":"positive","sentiment_score":0.43596798181533813},{"text":"Yep.","start":536.93,"end":537.43,"sentiment":"neutral","sentiment_score":0.17433559894561768},{"text":"Yeah.","start":546.61,"end":547.11,"sentiment":"neutral","sentiment_score":-0.08456243574619293},{"text":"Possibly.","start":566.96,"end":567.46,"sentiment":"neutral","sentiment_score":-0.05693316459655762},{"text":"So okay.","start":567.76,"end":568.56,"sentiment":"neutral","sentiment_score":0.01944057270884514}],"sentiment":"neutral","sentiment_score":0.08461485430598259,"num_words":6,"start":505.765,"end":568.56},{"sentences":[{"text":"So let's let's let's do it this way.","start":568.56,"end":570.58,"sentiment":"neutral","sentiment_score":0.04319715918973088},{"text":"You said you're currently down in Yambo build building a home.","start":570.64,"end":575.255,"sentiment":"neutral","sentiment_score":0.015116299671882933},{"text":"So what is what's the value of the home when we're finished building?","start":575.255,"end":579.995,"sentiment":"neutral","sentiment_score":0.01907418589465893},{"text":"Go ahead.","start":580.135,"end":580.79504,"sentiment":"neutral","sentiment_score":0.015187974087893963},{"text":"Yep.","start":595.27,"end":595.77,"sentiment":"neutral","sentiment_score":0.03250584751367569}],"sentiment":"neutral","sentiment_score":0.023505793777959687,"num_words":35,"start":568.56,"end":595.77},{"sentences":[{"text":"Okay.","start":605.365,"end":605.865,"sentiment":"neutral","sentiment_score":-0.12098073214292526},{"text":"No.","start":612.9,"end":613.4,"sentiment":"neutral","sentiment_score":-0.3306947648525238},{"text":"Yeah.","start":626.115,"end":626.615,"sentiment":"neutral","sentiment_score":-0.16831247508525848},{"text":"Yeah.","start":640.13,"end":640.63,"sentiment":"neutral","sentiment_score":0.02400519698858261},{"text":"Oh, that's okay.","start":641.09,"end":642.21,"sentiment":"neutral","sentiment_score":0.11924558629592259}],"sentiment":"neutral","sentiment_score":-0.03403514517205102,"num_words":7,"start":605.365,"end":642.21},{"sentences":[{"text":"Cool.","start":642.21,"end":642.69,"sentiment":"neutral","sentiment_score":0.2166474461555481},{"text":"So you reference we.","start":642.69,"end":644.53,"sentiment":"neutral","sentiment_score":0.050085196271538734},{"text":"I'm assuming you are married or partnered?","start":644.53,"end":646.55005,"sentiment":"neutral","sentiment_score":0.014772508958620685},{"text":"Oh, okay.","start":648.915,"end":649.475,"sentiment":"neutral","sentiment_score":0.23875273764133453},{"text":"Perfect.","start":649.475,"end":649.955,"sentiment":"positive","sentiment_score":0.4450206160545349}],"sentiment":"neutral","sentiment_score":0.09619479235261678,"num_words":15,"start":642.21,"end":649.955},{"sentences":[{"text":"No.","start":649.955,"end":650.195,"sentiment":"neutral","sentiment_score":0.05574871972203255},{"text":"That's okay.","start":650.195,"end":650.915,"sentiment":"neutral","sentiment_score":0.055849939584732056},{"text":"Alright.","start":650.915,"end":651.315,"sentiment":"neutral","sentiment_score":0.051373839378356934},{"text":"So perfect.","start":651.315,"end":655.335,"sentiment":"neutral","sentiment_score":0.12436049059033394},{"text":"No.","start":655.395,"end":655.555,"sentiment":"neutral","sentiment_score":-0.07175175100564957}],"sentiment":"neutral","sentiment_score":0.05654166692069599,"num_words":7,"start":649.955,"end":655.555},{"sentences":[{"text":"That's okay.","start":655.555,"end":656.115,"sentiment":"neutral","sentiment_score":-0.030537720769643784},{"text":"So let's go this way and slow it down and and take a a bit of a step back.","start":656.115,"end":661.635,"sentiment":"neutral","sentiment_score":-0.00013400153502037652},{"text":"So occupation wise, you're an analyst, Department of Home Affairs, Border Force, income that you currently receive from them?","start":661.635,"end":668.97003,"sentiment":"neutral","sentiment_score":0.006008862272689217},{"text":"Do you know what your gross annual is?","start":672.15,"end":674.73,"sentiment":"neutral","sentiment_score":-0.009836708079092205},{"text":"Oh, it's a it's a 100?","start":678.695,"end":679.995,"sentiment":"neutral","sentiment_score":-0.0039028396907572946}],"sentiment":"neutral","sentiment_score":-0.0009548850055715,"num_words":54,"start":655.555,"end":679.995},{"sentences":[{"text":"Okay.","start":681.97504,"end":682.47504,"sentiment":"neutral","sentiment_score":-0.0073866648599505424},{"text":"Mhmm.","start":683.255,"end":683.41504,"sentiment":"neutral","sentiment_score":0.029206600040197372},{"text":"That's perfect.","start":683.41504,"end":684.235,"sentiment":"neutral","sentiment_score":0.3050805404782295},{"text":"No.","start":703.285,"end":703.605,"sentiment":"neutral","sentiment_score":-0.06037253141403198},{"text":"That's a 100 and two.","start":703.605,"end":705.385,"sentiment":"neutral","sentiment_score":-0.020208275876939297}],"sentiment":"neutral","sentiment_score":0.047056710533797744,"num_words":10,"start":681.97504,"end":705.385},{"sentences":[{"text":"No.","start":705.445,"end":705.685,"sentiment":"neutral","sentiment_score":-0.0052978359162807465},{"text":"That's okay.","start":705.685,"end":706.245,"sentiment":"neutral","sentiment_score":0.10303521528840065},{"text":"Perfect.","start":706.245,"end":706.745,"sentiment":"neutral","sentiment_score":0.3237226605415344},{"text":"And you stated that your employer pays 15%.","start":708.005,"end":711.305,"sentiment":"neutral","sentiment_score":0.1154961520805955},{"text":"Super guarantee.","start":712.25,"end":713.07,"sentiment":"neutral","sentiment_score":0.30567939579486847}],"sentiment":"neutral","sentiment_score":0.14713023310261114,"num_words":14,"start":705.445,"end":713.07},{"sentences":[{"text":"Perfect.","start":713.52997,"end":714.02997,"sentiment":"neutral","sentiment_score":0.24733558297157288},{"text":"Are we currently salary sacrificing or have any additional contribution arrangements?","start":714.57,"end":718.43,"sentiment":"neutral","sentiment_score":-0.019476326859810135},{"text":"Yep.","start":721.21,"end":721.45,"sentiment":"neutral","sentiment_score":0.0027109626680612564},{"text":"No.","start":721.45,"end":721.61,"sentiment":"neutral","sentiment_score":-0.048742108047008514},{"text":"That's okay.","start":721.61,"end":722.08997,"sentiment":"neutral","sentiment_score":-0.019191967323422432}],"sentiment":"neutral","sentiment_score":-0.003207443282008171,"num_words":16,"start":713.52997,"end":722.08997},{"sentences":[{"text":"Just wanted to double check whether we did.","start":722.08997,"end":724.02997,"sentiment":"neutral","sentiment_score":-0.02692680712789297},{"text":"Okay.","start":725.615,"end":726.095,"sentiment":"neutral","sentiment_score":-0.01227239053696394},{"text":"And then you said your wife doesn't work.","start":726.095,"end":730.755,"sentiment":"neutral","sentiment_score":-0.038374663796275854},{"text":"Is in receipt of any benefits?","start":731.375,"end":733.71497,"sentiment":"neutral","sentiment_score":-0.011652407546838125},{"text":"Nope.","start":734.575,"end":735.075,"sentiment":"neutral","sentiment_score":-0.11118237674236298}],"sentiment":"neutral","sentiment_score":-0.029824207498071093,"num_words":24,"start":722.08997,"end":735.075},{"sentences":[{"text":"Yeah.","start":745.79,"end":746.27,"sentiment":"neutral","sentiment_score":-0.025182880461215973},{"text":"Yeah.","start":746.27,"end":746.51,"sentiment":"neutral","sentiment_score":-0.011993348598480225},{"text":"Like, all the bank accounts and stuff are are held by her.","start":746.51,"end":749.23,"sentiment":"neutral","sentiment_score":-0.004012303426861763},{"text":"Yeah.","start":749.23,"end":749.73,"sentiment":"neutral","sentiment_score":0.051404859870672226},{"text":"A lot cheaper when it comes to tax.","start":750.345,"end":753.00494,"sentiment":"neutral","sentiment_score":0.1261429376900196}],"sentiment":"neutral","sentiment_score":0.042401064835164856,"num_words":23,"start":745.79,"end":753.00494},{"sentences":[{"text":"Out outside of the PPR that we're building or the primary place of residence that we're building, what other assets do we currently hold?","start":754.82495,"end":761.805,"sentiment":"neutral","sentiment_score":-0.0043660498049575835},{"text":"K.","start":763.56,"end":764.06,"sentiment":"neutral","sentiment_score":0.004796492867171764},{"text":"Cars, vehicles, trailers.","start":765.64,"end":767.98,"sentiment":"neutral","sentiment_score":0.0048500980871419115},{"text":"Coach.","start":768.51996,"end":769.01996,"sentiment":"neutral","sentiment_score":0.01306241936981678},{"text":"Yep.","start":770.27997,"end":770.6,"sentiment":"neutral","sentiment_score":0.21022264659404755}],"sentiment":"neutral","sentiment_score":0.0045948885924493275,"num_words":30,"start":754.82495,"end":770.6},{"sentences":[{"text":"Do you know cool.","start":770.6,"end":773.89996,"sentiment":"neutral","sentiment_score":0.1515665017068386},{"text":"Perfect.","start":775.735,"end":776.215,"sentiment":"positive","sentiment_score":0.6292582750320435},{"text":"Alright.","start":776.215,"end":776.715,"sentiment":"neutral","sentiment_score":0.30792683362960815},{"text":"Okay.","start":778.215,"end":778.695,"sentiment":"neutral","sentiment_score":0.2281224429607391},{"text":"So with respect to the money that we're going we're estimating that we're gonna receive in about five years, the mill, I'm going out on a leap and saying that it's set to be a wealth transfer from the generation above you.","start":778.695,"end":797.20996,"sentiment":"neutral","sentiment_score":0.07779344871994995}],"sentiment":"neutral","sentiment_score":0.10283466132015598,"num_words":49,"start":770.6,"end":797.20996},{"sentences":[{"text":"Yeah.","start":797.20996,"end":797.70996,"sentiment":"neutral","sentiment_score":0.10460231453180312},{"text":"Cool.","start":799.13,"end":799.20996,"sentiment":"neutral","sentiment_score":0.2985801696777344},{"text":"Okay.","start":799.20996,"end":799.70996,"sentiment":"neutral","sentiment_score":0.13577458262443542},{"text":"So with the million, it's obviously undetermined when that's going to land, but you are correct that it will obviously have an effect on you and your overall positions.","start":801.13,"end":813.795,"sentiment":"neutral","sentiment_score":0.12939948004124494},{"text":"I know.","start":829.155,"end":829.79504,"sentiment":"neutral","sentiment_score":-0.17015448957681656}],"sentiment":"neutral","sentiment_score":0.1162127355551895,"num_words":34,"start":797.20996,"end":829.79504},{"sentences":[{"text":"I know.","start":829.79504,"end":830.195,"sentiment":"neutral","sentiment_score":-0.22783289849758148},{"text":"It can be painful for that.","start":830.195,"end":831.815,"sentiment":"negative","sentiment_score":-0.5341310302416483},{"text":"So it depends on how it's set to come to you.","start":834.03503,"end":841.23505,"sentiment":"neutral","sentiment_score":-0.03931372782046145},{"text":"Do you know how the relative has the estate set up?","start":841.23505,"end":844.84,"sentiment":"neutral","sentiment_score":-0.019363484684039246},{"text":"Is it in a trust or is it just 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benefits.","start":878.47,"end":879.52997,"sentiment":"neutral","sentiment_score":-0.004815695807337761}],"sentiment":"neutral","sentiment_score":0.004702503327280283,"num_words":8,"start":858.375,"end":879.52997},{"sentences":[{"text":"Yeah.","start":879.58997,"end":879.83,"sentiment":"neutral","sentiment_score":0.0836784690618515},{"text":"Absolutely.","start":879.83,"end":880.23,"sentiment":"neutral","sentiment_score":0.11400754004716872},{"text":"Yeah.","start":880.23,"end":880.39,"sentiment":"neutral","sentiment_score":0.06233612820506096},{"text":"It'll it'll come tax paid.","start":880.39,"end":881.925,"sentiment":"neutral","sentiment_score":0.029613829031586648},{"text":"And then, obviously, once you are in receipt of those of those those funds, it'll affect your overall position.","start":882.485,"end":888.90497,"sentiment":"neutral","sentiment_score":-0.021017531815328096}],"sentiment":"neutral","sentiment_score":0.0003243769622511334,"num_words":27,"start":879.58997,"end":888.90497},{"sentences":[{"text":"I mean, the good thing is is that, theoretically, with regards to, like, part pension amounts, a couple combined can currently, at current rates, have up to 1.8 one point o eight five.","start":889.125,"end":905.06,"sentiment":"neutral","sentiment_score":0.1337836574988835},{"text":"So $1,085,000 for a homeowner, which, of course, is what you would be.","start":905.06,"end":910.905,"sentiment":"neutral","sentiment_score":0.10987657365890649},{"text":"Based on the fact that you would have a $300,000 mortgage, million dollars paid, that'll take you down to about 700, then what your super has, you might be just skipping that part pension amount that would give you the ability to have part pension.","start":911.54504,"end":927.95,"sentiment":"neutral","sentiment_score":0.17996095534827974},{"text":"The cool thing about part pension is well, the pension as a whole is it's not just the money that you receive from Centrelink or services.","start":928.33,"end":935.71,"sentiment":"positive","sentiment_score":0.4765406342653128},{"text":"It's the benefits.","start":935.77,"end":936.65,"sentiment":"positive","sentiment_score":0.3817729155222575}],"sentiment":"neutral","sentiment_score":0.2289739531930536,"num_words":120,"start":889.125,"end":936.65},{"sentences":[{"text":"Correct.","start":936.65,"end":936.97003,"sentiment":"positive","sentiment_score":0.44867247343063354},{"text":"It's the cheap for electricity bill, the, you know, concession card, stuff like that.","start":936.97003,"end":941.225,"sentiment":"positive","sentiment_score":0.40299613560949055},{"text":"So pension could be on the cards.","start":943.20496,"end":945.365,"sentiment":"neutral","sentiment_score":0.1824565210512706},{"text":"There is always what's called sheltering the money.","start":945.365,"end":949.70496,"sentiment":"neutral","sentiment_score":0.10905525181442499},{"text":"So it it depends on what you're wanting to do.","start":950.68,"end":952.6,"sentiment":"neutral","sentiment_score":0.12437485083937645}],"sentiment":"neutral","sentiment_score":0.237100113555789,"num_words":40,"start":936.65,"end":952.6},{"sentences":[{"text":"And, generally, it's not a conversation I would fully have with regards to the million dollars at the initial onset because it's not guaranteed, a, how much you're getting, or, b, when it's going to land.","start":952.6,"end":963.66,"sentiment":"neutral","sentiment_score":-0.0839151715238889},{"text":"So currently, it's all theorized.","start":964.27997,"end":972.795,"sentiment":"neutral","sentiment_score":0.018643857538700105},{"text":"Yeah.","start":974.535,"end":975.035,"sentiment":"neutral","sentiment_score":0.0028659719973802567},{"text":"Pretty much.","start":987.11,"end":987.85004,"sentiment":"neutral","sentiment_score":-0.04435436613857746},{"text":"Questions?","start":995.66504,"end":996.16504,"sentiment":"neutral","sentiment_score":-0.0411030575633049}],"sentiment":"neutral","sentiment_score":-0.06788161566687954,"num_words":45,"start":952.6,"end":996.16504},{"sentences":[{"text":"Yeah.","start":998.305,"end":998.805,"sentiment":"neutral","sentiment_score":0.016616759821772575},{"text":"Mhmm.","start":1004.48004,"end":1004.98004,"sentiment":"neutral","sentiment_score":0.05290115624666214},{"text":"Yes.","start":1013.2,"end":1013.60004,"sentiment":"positive","sentiment_score":0.4461376667022705},{"text":"And it would also very much be tax savings as 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hiding.","start":1047.595,"end":1048.895,"sentiment":"neutral","sentiment_score":-0.04220969136804342},{"text":"It's the way I kinda find it.","start":1050.235,"end":1052.015,"sentiment":"neutral","sentiment_score":0.07232738326170615},{"text":"So no.","start":1052.075,"end":1060.97,"sentiment":"neutral","sentiment_score":-0.23702900111675262}],"sentiment":"neutral","sentiment_score":0.1833369626663625,"num_words":40,"start":1035.02,"end":1060.97},{"sentences":[{"text":"No.","start":1060.97,"end":1061.47,"sentiment":"neutral","sentiment_score":-0.23993392288684845},{"text":"So Centrelink so right now, if you were to quit your job, Centrelink would look at you as as a whole.","start":1061.61,"end":1069.065,"sentiment":"neutral","sentiment_score":-0.07773842431959652},{"text":"They would look at the fact that you are a 68 year old gentleman with let's just say you've moved into your home.","start":1069.065,"end":1074.5049,"sentiment":"neutral","sentiment_score":-0.008759469887160736},{"text":"You have a primary residence and you have x amount of assets.","start":1074.5049,"end":1077.565,"sentiment":"neutral","sentiment_score":-0.012726603696743647},{"text":"Your vehicle is a nonfinancial asset, so it is assets tested, but it is not income tested.","start":1077.945,"end":1083.8049,"sentiment":"neutral","sentiment_score":-0.07244076667463079}],"sentiment":"neutral","sentiment_score":-0.04673136376800972,"num_words":74,"start":1060.97,"end":1083.8049},{"sentences":[{"text":"Any cash that you have in the bank, any money that you have in your superannuation fund, and any other shares or anything like that that you have are financial assets.","start":1084.44,"end":1092.86,"sentiment":"neutral","sentiment_score":0.021819343129473347},{"text":"Those assets are both asset tested and income tested.","start":1093.32,"end":1098.555,"sentiment":"neutral","sentiment_score":0.023177756410506036},{"text":"And the way they deem income is they use deeming rates.","start":1098.855,"end":1101.895,"sentiment":"neutral","sentiment_score":0.015241388231515884},{"text":"So they don't turn around and say, well, that money's in cash and the cash rate's 4.25%, and that money's invested in a aggressive portfolio.","start":1101.895,"end":1109.415,"sentiment":"neutral","sentiment_score":0.05409338802099228},{"text":"So we're gonna say that it's gonna generate 8% worth of returns, and therefore, your income is this.","start":1109.415,"end":1114.87,"sentiment":"neutral","sentiment_score":0.22019718918535444}],"sentiment":"neutral","sentiment_score":0.0677504129905967,"num_words":94,"start":1084.44,"end":1114.87},{"sentences":[{"text":"They have a specific deemed calculator that you use, and it's it's very minimal rates.","start":1114.87,"end":1119.27,"sentiment":"neutral","sentiment_score":0.06322443510095278},{"text":"It's sitting at sort of there's two different sections for how the calculator works.","start":1119.27,"end":1124.87,"sentiment":"neutral","sentiment_score":0.030175368301570415},{"text":"There's basically 3.25% is how they deem income.","start":1124.87,"end":1127.77,"sentiment":"neutral","sentiment_score":0.024668845697306097},{"text":"So, you know, if you have $200,000, it's debited 3.25%.","start":1127.855,"end":1131.875,"sentiment":"neutral","sentiment_score":0.010901998193003238},{"text":"And that's what the income that is assumed that you would derive from that asset.","start":1132.5751,"end":1138.115,"sentiment":"neutral","sentiment_score":0.0625047301252683}],"sentiment":"neutral","sentiment_score":0.042173602937480376,"num_words":62,"start":1114.87,"end":1138.115},{"sentences":[{"text":"So they then utilize that to determine, well, if you have this many this this much in financial assets, you are deemed to have this much income.","start":1139.135,"end":1150.13,"sentiment":"neutral","sentiment_score":0.08487538068934723},{"text":"Is that above or below our minimum, maximum allowable income?","start":1150.1901,"end":1155.41,"sentiment":"neutral","sentiment_score":-0.0015055563300848003},{"text":"Because the allowable income for CenturyLink to get full pension rates based on the income test is only $218 a fortnight.","start":1156.855,"end":1162.715,"sentiment":"neutral","sentiment_score":0.10849226798330035},{"text":"Very minimal.","start":1164.9349,"end":1165.755,"sentiment":"neutral","sentiment_score":-0.049181364476680756},{"text":"Now with your superannuation fund, it is a financial asset.","start":1168.5599,"end":1174.5,"sentiment":"neutral","sentiment_score":0.1638230189681053}],"sentiment":"neutral","sentiment_score":0.08706835433840751,"num_words":70,"start":1139.135,"end":1174.5},{"sentences":[{"text":"So it is it is it is deemed.","start":1175.36,"end":1177.22,"sentiment":"neutral","sentiment_score":0.14768331591039896},{"text":"There are ways that you can it it's it's called sheltering, but there's, basically, there's ways that you can shelter the money so Centrelink can't see all of it.","start":1177.44,"end":1187.165,"sentiment":"neutral","sentiment_score":0.055460212559535586},{"text":"They can only basically see a portion of the money, and the money still exists.","start":1187.385,"end":1192.525,"sentiment":"neutral","sentiment_score":-0.08914884676535924},{"text":"The money is still there.","start":1192.5851,"end":1193.9651,"sentiment":"neutral","sentiment_score":-0.1261648565530777},{"text":"It's just that it is tested differently for Centrelink's purposes.","start":1194.025,"end":1197.405,"sentiment":"neutral","sentiment_score":-0.14182211458683014}],"sentiment":"neutral","sentiment_score":-0.008902469232900818,"num_words":67,"start":1175.36,"end":1197.405},{"sentences":[{"text":"Because rather than being superannuation held, it kind of falls under the life insurance act.","start":1197.9,"end":1202.48,"sentiment":"neutral","sentiment_score":-0.15666323900222778},{"text":"So it becomes a bit bit of a different holding to how Centrelink holds.","start":1202.7001,"end":1206.48,"sentiment":"neutral","sentiment_score":-0.10255476087331772},{"text":"Outside of that, what I was gonna ask is, do you have any children yourself?","start":1209.74,"end":1214.005,"sentiment":"neutral","sentiment_score":0.07064614295959473},{"text":"I I assume they might be grown up.","start":1217.1849,"end":1219.9249,"sentiment":"neutral","sentiment_score":0.051628753542900085},{"text":"The reason I ask is when and and, again, this is definitely a future conversation, but it's just something, I guess, for through through for thought.","start":1220.945,"end":1228.97,"sentiment":"neutral","sentiment_score":0.031337682014474504}],"sentiment":"neutral","sentiment_score":-0.019207863232646234,"num_words":78,"start":1197.9,"end":1228.97},{"sentences":[{"text":"When you do receive the the mill, obviously, the mortgage is primary.","start":1228.97,"end":1234.75,"sentiment":"neutral","sentiment_score":0.0031298038084059954},{"text":"Yeah.","start":1236.01,"end":1236.51,"sentiment":"neutral","sentiment_score":-0.01384500041604042},{"text":"When the when it can be, but the issue is is that's actually called gifting, and that would that would affect your Centrelink benefits if you were to just give money away because then Centrelink sees that as you trying to push your wealth onto family and keep it within the family, but not be tested against the tests that they test you against.","start":1237.37,"end":1269.215,"sentiment":"neutral","sentiment_score":-0.2579417657107115},{"text":"But there are other ways to do it, like put the money inside bonds that are not means tested for Centrelink, have a ten year maturity, which means that you're putting money away for the kids for when they get older.","start":1269.835,"end":1283.06,"sentiment":"neutral","sentiment_score":0.004756426256967754},{"text":"I understand they would be older already.","start":1283.06,"end":1285.0801,"sentiment":"neutral","sentiment_score":-0.06617398240736552}],"sentiment":"neutral","sentiment_score":-0.13402211808413267,"num_words":125,"start":1228.97,"end":1285.0801},{"sentences":[{"text":"I'm assuming they're somewhere in their thirties or so or possibly older than that depending on how early we started.","start":1285.38,"end":1292.4401,"sentiment":"neutral","sentiment_score":-0.011366463685408234},{"text":"Cool.","start":1294.995,"end":1295.495,"sentiment":"neutral","sentiment_score":0.19404974579811096},{"text":"So it it just depends on what you're going to do.","start":1296.435,"end":1299.255,"sentiment":"neutral","sentiment_score":0.0782191509550268},{"text":"So bonds?","start":1301.635,"end":1302.775,"sentiment":"neutral","sentiment_score":0.010270881466567516},{"text":"No.","start":1302.8351,"end":1303.155,"sentiment":"neutral","sentiment_score":0.008175190538167953}],"sentiment":"neutral","sentiment_score":0.024452802459044114,"num_words":35,"start":1285.38,"end":1303.155},{"sentences":[{"text":"Bonds are generally yeah.","start":1303.155,"end":1305.3151,"sentiment":"neutral","sentiment_score":0.03263809531927109},{"text":"You do.","start":1305.3151,"end":1305.975,"sentiment":"neutral","sentiment_score":0.10504377260804176},{"text":"You you do have access to the to the to the funds, but how a bond works is basically after ten years, it's tax free assets.","start":1306.54,"end":1316.72,"sentiment":"neutral","sentiment_score":0.08153172582387924},{"text":"Before ten years, it is sheltered, but it is you're tested against or you're you pay your marginal rate when you withdraw money.","start":1317.18,"end":1325.885,"sentiment":"neutral","sentiment_score":0.07615258301729741},{"text":"So it works the same as any kind of investment that you would sell.","start":1325.885,"end":1328.465,"sentiment":"neutral","sentiment_score":0.09919757608856473}],"sentiment":"neutral","sentiment_score":0.08117014887756195,"num_words":69,"start":1303.155,"end":1328.465},{"sentences":[{"text":"So if if you bought stocks on the market and then sold the stocks, it's the capital gains assessment on what you buy for, what did you sell for, what's the assumed or what's the the the rate of return that gets added to your assessable income and so on and so forth.","start":1329.3251,"end":1345.29,"sentiment":"neutral","sentiment_score":0.049977313164832456},{"text":"Obviously, as a retire as as you know, if you were to retire, wouldn't really matter if you were to start liquidating stocks because you have no you have no income.","start":1345.29,"end":1356.385,"sentiment":"neutral","sentiment_score":-0.04183161788950524},{"text":"Yep.","start":1356.385,"end":1356.885,"sentiment":"neutral","sentiment_score":0.062304429709911346},{"text":"So definitely something that we can we can sort of look at when that becomes becomes a a issue, I guess.","start":1359.8251,"end":1366.49,"sentiment":"neutral","sentiment_score":0.08970357779236067},{"text":"Now now can I ask who or where does your superannuation currently fit?","start":1367.99,"end":1373.13,"sentiment":"neutral","sentiment_score":0.004975608308226443}],"sentiment":"neutral","sentiment_score":0.02825865474384779,"num_words":119,"start":1329.3251,"end":1373.13},{"sentences":[{"text":"It's like q q super equivalent.","start":1374.885,"end":1377.865,"sentiment":"neutral","sentiment_score":-0.008618416575094065},{"text":"Yep.","start":1385.525,"end":1386.025,"sentiment":"neutral","sentiment_score":0.008180756121873856},{"text":"Yep.","start":1386.5651,"end":1387.0651,"sentiment":"neutral","sentiment_score":0.008741664700210094},{"text":"Yes.","start":1390.26,"end":1390.66,"sentiment":"neutral","sentiment_score":-0.0143227931112051},{"text":"No.","start":1390.66,"end":1390.9,"sentiment":"neutral","sentiment_score":-0.2677169740200043}],"sentiment":"neutral","sentiment_score":-0.03168278457596898,"num_words":10,"start":1374.885,"end":1390.9},{"sentences":[{"text":"I know.","start":1390.9,"end":1391.3,"sentiment":"neutral","sentiment_score":-0.23581168055534363},{"text":"I know the I know I know the brand you're talking about.","start":1391.3,"end":1394.28,"sentiment":"neutral","sentiment_score":-0.2105963515738646},{"text":"Sorry.","start":1400.66,"end":1401.14,"sentiment":"negative","sentiment_score":-0.35275745391845703},{"text":"That's okay.","start":1401.14,"end":1401.9601,"sentiment":"negative","sentiment_score":-0.37429723143577576},{"text":"No.","start":1409.535,"end":1409.775,"sentiment":"neutral","sentiment_score":-0.2466102838516235}],"sentiment":"neutral","sentiment_score":-0.24148565447992748,"num_words":18,"start":1390.9,"end":1409.775},{"sentences":[{"text":"I'm not.","start":1409.775,"end":1410.515,"sentiment":"neutral","sentiment_score":-0.27011311054229736},{"text":"Yes.","start":1416.0299,"end":1416.5299,"sentiment":"neutral","sentiment_score":0.0214923694729805},{"text":"Yes.","start":1417.07,"end":1417.57,"sentiment":"neutral","sentiment_score":0.047921109944581985},{"text":"Very much so.","start":1418.0299,"end":1419.1699,"sentiment":"neutral","sentiment_score":0.07024145126342773},{"text":"Yep.","start":1419.87,"end":1420.37,"sentiment":"neutral","sentiment_score":-0.2843405604362488}],"sentiment":"neutral","sentiment_score":-0.06805361853912473,"num_words":8,"start":1409.775,"end":1420.37},{"sentences":[{"text":"Yeah.","start":1421.63,"end":1421.95,"sentiment":"neutral","sentiment_score":0.26907914876937866},{"text":"The public sector is a is a fun one just to watch.","start":1421.95,"end":1425.57,"sentiment":"positive","sentiment_score":0.46831701695919037},{"text":"Okay.","start":1427.325,"end":1427.825,"sentiment":"neutral","sentiment_score":0.04613182693719864},{"text":"So your wife is of similar age to yourself?","start":1429.005,"end":1431.265,"sentiment":"neutral","sentiment_score":0.03731027224825488},{"text":"Okay.","start":1433.885,"end":1434.385,"sentiment":"neutral","sentiment_score":0.13585203886032104}],"sentiment":"neutral","sentiment_score":0.2669441528463115,"num_words":24,"start":1421.63,"end":1434.385},{"sentences":[{"text":"Perfect.","start":1434.445,"end":1434.9249,"sentiment":"positive","sentiment_score":0.35272377729415894},{"text":"And could I ask your actual date of birth just so I can November.","start":1434.9249,"end":1443.6799,"sentiment":"neutral","sentiment_score":0.07216467947832175},{"text":"Perfect.","start":1444.86,"end":1445.36,"sentiment":"neutral","sentiment_score":0.28551048040390015},{"text":"And your wife's name so that way I don't just can keep Linda.","start":1445.66,"end":1450.64,"sentiment":"neutral","sentiment_score":0.01881248253182723},{"text":"LA India.","start":1452.395,"end":1453.115,"sentiment":"neutral","sentiment_score":0.023934409953653812}],"sentiment":"neutral","sentiment_score":0.0626119633295363,"num_words":31,"start":1434.445,"end":1453.115},{"sentences":[{"text":"Perfect.","start":1453.115,"end":1453.615,"sentiment":"neutral","sentiment_score":0.20165696740150452},{"text":"Linda.","start":1454.235,"end":1454.735,"sentiment":"neutral","sentiment_score":0.08357749879360199},{"text":"Oh, perfect.","start":1461.115,"end":1461.775,"sentiment":"neutral","sentiment_score":0.14686857163906097},{"text":"Oh, has a birthday coming up.","start":1461.995,"end":1463.535,"sentiment":"neutral","sentiment_score":0.07033143689235051},{"text":"So with regards to and I guess this is currently, you're working full time, I would assume.","start":1468.74,"end":1477.64,"sentiment":"neutral","sentiment_score":0.025951858829049504}],"sentiment":"neutral","sentiment_score":0.053412660404487895,"num_words":27,"start":1453.115,"end":1477.64},{"sentences":[{"text":"So thirty eight hours a week and or more.","start":1477.7001,"end":1480.605,"sentiment":"neutral","sentiment_score":0.03158724514974488},{"text":"Cool.","start":1481.145,"end":1481.645,"sentiment":"neutral","sentiment_score":0.3215729594230652},{"text":"There are avenues that can be taken currently by you with respect to your wage and income.","start":1482.8251,"end":1489.885,"sentiment":"neutral","sentiment_score":0.1091368671725778},{"text":"So because you are in, like, earning a $100,000, and I'm getting around it purely and simply because it's a little bit easy palatable and we we like round numbers.","start":1491.48,"end":1502.475,"sentiment":"neutral","sentiment_score":0.1372961883743604},{"text":"So with a $100,000 income or 102, you sit inside the 30% tax bracket and marginal rate.","start":1503.9149,"end":1512.235,"sentiment":"neutral","sentiment_score":0.053792814340661556}],"sentiment":"neutral","sentiment_score":0.1012776811179277,"num_words":74,"start":1477.7001,"end":1512.235},{"sentences":[{"text":"So any money that you earn over $45,000 is taxed at 30¢ on the dollar.","start":1512.235,"end":1517.66,"sentiment":"neutral","sentiment_score":-0.009838231074224626},{"text":"So with respect to your income, what you could theoretically do, and it would depend on what you had access to in your concessional contribution caps, is you could actually salary sacrifice a lot more of your income.","start":1517.66,"end":1537.7949,"sentiment":"neutral","sentiment_score":-0.002297739449300264},{"text":"Not a 100%, but you could salary sacrifice quite a considerable amount of your income.","start":1538.1749,"end":1543.6699,"sentiment":"neutral","sentiment_score":-0.12061020036538442},{"text":"And from that money going in, you could then draw it out tax free.","start":1545.57,"end":1550.07,"sentiment":"neutral","sentiment_score":0.027941332863909856},{"text":"So you would end up saving 15¢ on every dollar because the superannuation tax rate is 15% versus 30.","start":1550.29,"end":1559.555,"sentiment":"neutral","sentiment_score":0.18986661111315092}],"sentiment":"neutral","sentiment_score":0.017925003237758922,"num_words":101,"start":1512.235,"end":1559.555},{"sentences":[{"text":"Yeah.","start":1564.175,"end":1564.675,"sentiment":"neutral","sentiment_score":-0.08687929809093475},{"text":"Mhmm.","start":1567.31,"end":1567.81,"sentiment":"neutral","sentiment_score":-0.0357908271253109},{"text":"Mhmm.","start":1569.47,"end":1569.97,"sentiment":"neutral","sentiment_score":0.04668932408094406},{"text":"Well, you don't so when the money lands in the super environment, the 15% would come off.","start":1573.31,"end":1577.89,"sentiment":"neutral","sentiment_score":-0.05093526314286625},{"text":"And then when you pull it out, it's tax free.","start":1578.03,"end":1580.265,"sentiment":"neutral","sentiment_score":0.07549481727182865}],"sentiment":"neutral","sentiment_score":-0.006231070061524709,"num_words":30,"start":1564.175,"end":1580.265},{"sentences":[{"text":"Yes.","start":1584.105,"end":1584.605,"sentiment":"neutral","sentiment_score":0.2444614470005035},{"text":"Correct.","start":1585.865,"end":1586.365,"sentiment":"positive","sentiment_score":0.406627357006073},{"text":"Yes.","start":1589.625,"end":1590.125,"sentiment":"neutral","sentiment_score":0.30194219946861267},{"text":"Now there's obviously rates that we need to be considerate of because currently, the concessional contribution caps are $30,000.","start":1591.0651,"end":1599.04,"sentiment":"neutral","sentiment_score":-0.02429966775602416},{"text":"Next year, they increase to 32,500.","start":1599.04,"end":1601.9401,"sentiment":"neutral","sentiment_score":-0.0453071054071188}],"sentiment":"neutral","sentiment_score":0.007839095845286335,"num_words":28,"start":1584.105,"end":1601.9401},{"sentences":[{"text":"And if you exceed any of those caps within a given year, you end up paying what's called division two nine three tax, and you end up with a higher tax rate and all the rest of it.","start":1602.56,"end":1612.435,"sentiment":"neutral","sentiment_score":-0.11300845346168469},{"text":"So it becomes less tax a becomes less tax effective.","start":1612.435,"end":1617.9751,"sentiment":"neutral","sentiment_score":-0.18060846775770187},{"text":"So there are considerations you need to make.","start":1619.0751,"end":1621.3351,"sentiment":"neutral","sentiment_score":-0.050696893129497766},{"text":"However, because your balance is low, you can actually correct.","start":1621.555,"end":1635.58,"sentiment":"neutral","sentiment_score":0.009416995570063591},{"text":"So what I was gonna say is because your con your your balance is low, you can actually trigger and utilize what's called a carry forward rule, which is if your balance is under 500,000, which obviously it is, then you can utilize years gone by cats.","start":1635.64,"end":1654.195,"sentiment":"neutral","sentiment_score":0.10851616745299482}],"sentiment":"neutral","sentiment_score":-0.011606648036863952,"num_words":113,"start":1602.56,"end":1654.195},{"sentences":[{"text":"Now we are obviously at the end of this financial year, which means that you are about to lose the financial year for 1920.","start":1656.2001,"end":1667.5,"sentiment":"neutral","sentiment_score":-0.33107874480386573},{"text":"Yeah.","start":1668.655,"end":1668.975,"sentiment":"neutral","sentiment_score":-0.17771673202514648},{"text":"The financial year said 2019 to 2020, which means you'll never be able to get that back.","start":1668.975,"end":1673.6951,"sentiment":"neutral","sentiment_score":-0.23106982646619573},{"text":"So theoretically speaking, if you had available cash, which I know you do currently because you're mid billed, is you could and I would theoretically, like, I this is not me recommending anything.","start":1673.6951,"end":1688.17,"sentiment":"neutral","sentiment_score":-0.23043357919562946},{"text":"This is me just talking.","start":1688.17,"end":1689.47,"sentiment":"neutral","sentiment_score":-0.22484736144542694}],"sentiment":"neutral","sentiment_score":-0.259754232224077,"num_words":80,"start":1656.2001,"end":1689.47},{"sentences":[{"text":"Is we could put a lump sum month funds into your super funds.","start":1691.85,"end":1695.45,"sentiment":"neutral","sentiment_score":0.17550126978984246},{"text":"You could just pay it direct from your bank into your super fund.","start":1695.45,"end":1698.285,"sentiment":"neutral","sentiment_score":0.12069860444619106},{"text":"You then submit you could then submit what's called, like, a notice of intent to claim, which enables the super fund to convert those money into concessional contributions, and then you just draw that back out whenever you wanted to.","start":1698.525,"end":1712.66,"sentiment":"neutral","sentiment_score":0.2174589304253459},{"text":"So it could sit in the super fund for the next blah months until you need the money to deal with the house build.","start":1712.66,"end":1720.02,"sentiment":"neutral","sentiment_score":0.23178213896850744},{"text":"It wouldn't really matter, and then you could just draw it out tax free.","start":1720.02,"end":1723.62,"sentiment":"neutral","sentiment_score":0.246885607285159}],"sentiment":"neutral","sentiment_score":0.20738582133960265,"num_words":104,"start":1691.85,"end":1723.62},{"sentences":[{"text":"Because you are over 65, you have no limitations to what you can pull out of your fund.","start":1723.62,"end":1728.995,"sentiment":"neutral","sentiment_score":0.17676198565297657},{"text":"Theoretically, you could turn around today and pull the whole lot out.","start":1728.995,"end":1731.335,"sentiment":"neutral","sentiment_score":0.23215421165029207},{"text":"Obviously, that's not what you're wanting to do, but you know?","start":1731.475,"end":1733.895,"sentiment":"neutral","sentiment_score":-0.1712937890128656},{"text":"Yes.","start":1736.275,"end":1736.775,"sentiment":"neutral","sentiment_score":0.2485865354537964},{"text":"Yep.","start":1751.1051,"end":1751.6051,"sentiment":"neutral","sentiment_score":0.007701593451201916}],"sentiment":"neutral","sentiment_score":0.10092145886792,"num_words":43,"start":1723.62,"end":1751.6051},{"sentences":[{"text":"And what you're living off currently.","start":1772.88,"end":1774.3401,"sentiment":"neutral","sentiment_score":-0.1657703034579754},{"text":"So you could put it in because what would hap so what happens under that scenario is it depends on how quickly you submit your tax return, really.","start":1775.7749,"end":1784.2749,"sentiment":"neutral","sentiment_score":0.027726825459727218},{"text":"But it is you would put money into the super fund.","start":1784.4149,"end":1787.955,"sentiment":"neutral","sentiment_score":0.0894618488170884},{"text":"You would submit a notice of intent to claim.","start":1788.9401,"end":1791.02,"sentiment":"neutral","sentiment_score":0.14616155872742334},{"text":"When you submit your tax return next year, you would get the tax that you paid on those funds back in your tax return.","start":1791.02,"end":1797.92,"sentiment":"neutral","sentiment_score":0.17576925922185183}],"sentiment":"neutral","sentiment_score":0.08076571639722739,"num_words":78,"start":1772.88,"end":1797.92},{"sentences":[{"text":"So it comes back into your back pocket that way.","start":1798.2201,"end":1800.4,"sentiment":"neutral","sentiment_score":0.29771054685115816},{"text":"Yes.","start":1803.3251,"end":1803.645,"sentiment":"neutral","sentiment_score":0.13792374730110168},{"text":"You get the tax back because the assumption is is that you've already paid your marginal rate on the funds that you put in.","start":1803.645,"end":1810.365,"sentiment":"neutral","sentiment_score":0.05844201962463558},{"text":"Yeah.","start":1810.365,"end":1810.685,"sentiment":"neutral","sentiment_score":0.10159504413604736},{"text":"Of course you have.","start":1810.685,"end":1811.585,"sentiment":"neutral","sentiment_score":0.0893228854984045}],"sentiment":"neutral","sentiment_score":0.12441310682334006,"num_words":40,"start":1798.2201,"end":1811.585},{"sentences":[{"text":"Sure.","start":1816.3,"end":1816.8,"sentiment":"neutral","sentiment_score":0.23593714833259585},{"text":"Yeah.","start":1818.78,"end":1819.28,"sentiment":"positive","sentiment_score":0.3349836766719818},{"text":"So you get that back.","start":1819.3401,"end":1820.64,"sentiment":"positive","sentiment_score":0.3402588129043579},{"text":"So that is something that you could do.","start":1821.42,"end":1824.22,"sentiment":"positive","sentiment_score":0.43987778201699257},{"text":"It just depends on how comfortable you are living without that money until you get your tax return submitted and la la la la.","start":1824.22,"end":1830.385,"sentiment":"neutral","sentiment_score":0.0923063875331233}],"sentiment":"neutral","sentiment_score":0.20529719093480173,"num_words":39,"start":1816.3,"end":1830.385},{"sentences":[{"text":"If you're a lazy person like me and doesn't look at your tax return until, like, September, October, because financial financial year gets very, very busy for me.","start":1830.385,"end":1840.1649,"sentiment":"negative","sentiment_score":-0.4411207043698856},{"text":"There.","start":1848.64,"end":1849.14,"sentiment":"neutral","sentiment_score":-0.19284439086914065},{"text":"I do too.","start":1856.175,"end":1856.895,"sentiment":"neutral","sentiment_score":-0.03500636542836825},{"text":"Don't worry.","start":1856.895,"end":1857.6151,"sentiment":"neutral","sentiment_score":0.1089078038930893},{"text":"Every year, I'm like, we're gonna do it in July, and it never happens.","start":1857.6151,"end":1861.0751,"sentiment":"neutral","sentiment_score":0.04331106213586671}],"sentiment":"neutral","sentiment_score":-0.24635568191297352,"num_words":48,"start":1830.385,"end":1861.0751},{"sentences":[{"text":"So if you're already chasing your account to get two years worth of worth of fine like, tax returns done, you you it could, especially if you're basically gonna sit down with him in July and get all three done.","start":1865.5499,"end":1877.4099,"sentiment":"neutral","sentiment_score":-0.11922552993055432},{"text":"No.","start":1891.92,"end":1892.42,"sentiment":"neutral","sentiment_score":-0.15506380796432495},{"text":"So to be able to know exactly the amount that you could put in, what what we would realistically do is log in to myGov, which is a you thing, not a me thing because I can never no one can ever really log in to myGov apart from you.","start":1893.36,"end":1907.095,"sentiment":"neutral","sentiment_score":0.020796036024112254},{"text":"Is log in to myGov, go to the ATO if you have that linked, and then in that menu, you can have a look at super.","start":1907.095,"end":1913.815,"sentiment":"neutral","sentiment_score":0.05117237689689948},{"text":"And then in that super menu, there's a drop down that says carry forward contributions.","start":1913.815,"end":1917.6749,"sentiment":"neutral","sentiment_score":0.05003133316834767}],"sentiment":"neutral","sentiment_score":-0.013661601569214272,"num_words":132,"start":1865.5499,"end":1917.6749},{"sentences":[{"text":"That will show you historically every year's worth of contributions that have been made, the total amount of contributions made.","start":1918.135,"end":1925.33,"sentiment":"neutral","sentiment_score":0.053701556473970416},{"text":"It'll show you what's left remaining in the caps.","start":1925.87,"end":1928.53,"sentiment":"neutral","sentiment_score":0.07221028664045864},{"text":"Because over the last, oh, I don't know, over the last decade, there's been a couple of different changes that have happened to Super.","start":1928.67,"end":1934.9299,"sentiment":"neutral","sentiment_score":-0.015273564262315631},{"text":"And one of those was obviously the rolling increase to concessional contributions and the increase with the caps.","start":1936.5149,"end":1941.975,"sentiment":"neutral","sentiment_score":0.004363352691547738},{"text":"So the cap used to be, you know, 25,000, then it increased to 27 and a half.","start":1942.0349,"end":1946.4349,"sentiment":"neutral","sentiment_score":-0.04041236376061159}],"sentiment":"neutral","sentiment_score":0.008510094675743445,"num_words":88,"start":1918.135,"end":1946.4349},{"sentences":[{"text":"Now it's 30.","start":1946.4349,"end":1946.9149,"sentiment":"neutral","sentiment_score":-0.008590177788088718},{"text":"Next year, it goes to 32 and a half.","start":1946.9149,"end":1948.945,"sentiment":"neutral","sentiment_score":-0.00828690268099308},{"text":"Your employer is obviously paying over the rate that the standard rate.","start":1950.87,"end":1957.6901,"sentiment":"neutral","sentiment_score":-0.10585803103943665},{"text":"Everyone else is on 12%.","start":1958.4701,"end":1961.1101,"sentiment":"neutral","sentiment_score":-0.07204733043909073},{"text":"You're up on 15.","start":1961.1101,"end":1962.0701,"sentiment":"neutral","sentiment_score":0.011025230749510229}],"sentiment":"neutral","sentiment_score":-0.05111468967163202,"num_words":33,"start":1946.4349,"end":1962.0701},{"sentences":[{"text":"Providing your employer has been paying 15 the whole time, Hunky dory.","start":1962.0701,"end":1965.235,"sentiment":"neutral","sentiment_score":-0.03643290574351946},{"text":"We can we can pretty much reassume what what how much has been paid in.","start":1965.235,"end":1968.695,"sentiment":"neutral","sentiment_score":0.058109232286612196},{"text":"But then it also depends because sometimes, depending on how the payment falls or the fortnight's full or the month or, you know, payroll pressing the button, you might have got a cheeky extra payment within a within a a financial year and then a one less in the next financial year, so to speak.","start":1970.835,"end":1990.1399,"sentiment":"neutral","sentiment_score":-0.16038420606743206},{"text":"It all just depends on how those those weeks do roll through and where the day is full.","start":1990.615,"end":1995.115,"sentiment":"neutral","sentiment_score":0.008736647251579497},{"text":"So, yeah, if you're able to obtain though those those rates, we can kinda go from there.","start":1996.455,"end":2001.4149,"sentiment":"neutral","sentiment_score":0.1158214882016182}],"sentiment":"neutral","sentiment_score":-0.05350822878953738,"num_words":117,"start":1962.0701,"end":2001.4149},{"sentences":[{"text":"Now, realistically, from an initial consultation, what happens from my side is I would generally get, you know, a prospective client to provide me with a number of other, like, documents and information.","start":2001.4149,"end":2014.78,"sentiment":"neutral","sentiment_score":0.18071853662982132},{"text":"And then what I do is I put together a statement of advice, advising you on where to go, what to do, how to do it, what the tax savings look like, how we get to the strategies that you wanna get to, what the growth on your superannuation fund looks like, and then other superannuation funds, other investment options that are available in the market, how we do what we do, and on from there.","start":2016.005,"end":2041.59,"sentiment":"neutral","sentiment_score":0.21424358485168532},{"text":"And then should you so choose to accept my advice and have me implement it, I would become an ongoing adviser for you, and I would be able to work through implementing those things.","start":2041.985,"end":2050.565,"sentiment":"neutral","sentiment_score":0.24933745142291575},{"text":"If you chose not to accept my advice, then I would shake your hand, metaphorically speaking, and you would be welcome to, you know, go off and either do it yourself and or look at other avenues.","start":2050.785,"end":2065.18,"sentiment":"neutral","sentiment_score":0.11699651242107958},{"text":"So given the time sensitive side of things, give like, from what we've just discussed, if you would like to actually look at actioning anything in this financial year before it rolls over.","start":2068.2,"end":2084.905,"sentiment":"neutral","sentiment_score":0.19196700936917102}],"sentiment":"neutral","sentiment_score":0.19430741678241273,"num_words":213,"start":2001.4149,"end":2084.905},{"sentences":[{"text":"So if you really wanna look at trying to put money into the Superfund this year, I will basically need all of the documents within the next couple of days.","start":2085.47,"end":2097.01,"sentiment":"neutral","sentiment_score":0.11438110147913297},{"text":"And I will email you with what I need, and it will be Latrobe statements, and it'll be the Police Credit Union statements, and it'll be, you know, the Superfund statements and balances and investments.","start":2100.335,"end":2110.115,"sentiment":"neutral","sentiment_score":0.15547842255660466},{"text":"And there was one more thing.","start":2110.255,"end":2116.38,"sentiment":"neutral","sentiment_score":0.03955214160184065},{"text":"Oh, and the my gov and the my gov screenshot of what available of a yes.","start":2118.2,"end":2123.18,"sentiment":"neutral","sentiment_score":0.025514263194054365},{"text":"Of what what you have available.","start":2123.5598,"end":2125.5,"sentiment":"neutral","sentiment_score":0.04391728341579437}],"sentiment":"neutral","sentiment_score":0.10518518919425626,"num_words":93,"start":2085.47,"end":2125.5},{"sentences":[{"text":"So that way, I can go through from there.","start":2126.2349,"end":2128.095,"sentiment":"neutral","sentiment_score":0.25495874219470555},{"text":"And your last pay slip would be very useful if possible.","start":2128.6348,"end":2132.8948,"sentiment":"neutral","sentiment_score":0.2119053453207016},{"text":"So yeah.","start":2135.275,"end":2135.595,"sentiment":"neutral","sentiment_score":-0.0218496136367321},{"text":"So if I send you an email with a request for those documents, from there, what I can do is I can start putting things together.","start":2135.595,"end":2143.31,"sentiment":"neutral","sentiment_score":0.11960907051196465},{"text":"Realistically, I'll have to have a look at the super fund that you're currently with to see when they have close off dates for any contributions and stuff made.","start":2145.8499,"end":2156.605,"sentiment":"neutral","sentiment_score":0.01782254055784694}],"sentiment":"neutral","sentiment_score":0.10660490598045773,"num_words":77,"start":2126.2349,"end":2156.605},{"sentences":[{"text":"Because so long as the money is in the account, all the paperwork on the back end can be done later, like, after the rollover of financial year.","start":2156.605,"end":2163.905,"sentiment":"neutral","sentiment_score":0.041117907368711064},{"text":"Some funds close the doors to their contributions early purely and simply because, otherwise, it's a mad dash for them.","start":2164.125,"end":2173.21,"sentiment":"neutral","sentiment_score":-0.2831462487578392},{"text":"There are other bigger funds that actually put stuff on over the weekends.","start":2173.21,"end":2177.15,"sentiment":"neutral","sentiment_score":-0.06005503924993368},{"text":"Because when contributions are made, they're made, and they go into a holding account within the super fund.","start":2177.37,"end":2182.515,"sentiment":"neutral","sentiment_score":-0.09238723541299503},{"text":"They don't get allocated to the actual client account, and it's to get it done faster, they a lot of super funds put stuff on during the month of June to make sure that everything goes through.","start":2182.515,"end":2193.7349,"sentiment":"neutral","sentiment_score":-0.07315356908617793}],"sentiment":"neutral","sentiment_score":-0.08329302907503884,"num_words":116,"start":2156.605,"end":2193.7349},{"sentences":[{"text":"My favorite is when a client comes to me, like, three days before the end of financial year with a check.","start":2195.97,"end":2200.07,"sentiment":"neutral","sentiment_score":0.13040268279257275},{"text":"They're like, oh, I just wanna put this in.","start":2200.37,"end":2202.47,"sentiment":"neutral","sentiment_score":0.049670183203286596},{"text":"Not happening.","start":2203.25,"end":2203.9102,"sentiment":"neutral","sentiment_score":-0.13426948711276054},{"text":"So yeah.","start":2207.595,"end":2209.055,"sentiment":"neutral","sentiment_score":-0.013441205024719238},{"text":"Of course.","start":2210.875,"end":2211.615,"sentiment":"neutral","sentiment_score":-0.00419705081731081}],"sentiment":"neutral","sentiment_score":0.0800464583767785,"num_words":36,"start":2195.97,"end":2211.615},{"sentences":[{"text":"Mhmm.","start":2219.6099,"end":2220.1099,"sentiment":"neutral","sentiment_score":0.01102323830127716},{"text":"Yes.","start":2226.0098,"end":2226.5098,"sentiment":"neutral","sentiment_score":0.01419003028422594},{"text":"Salary sacrifice.","start":2232.585,"end":2233.465,"sentiment":"neutral","sentiment_score":0.22648974508047104},{"text":"Yep.","start":2233.465,"end":2233.965,"sentiment":"neutral","sentiment_score":0.3090153634548187},{"text":"Yep.","start":2235.785,"end":2236.285,"sentiment":"positive","sentiment_score":0.47587308287620544}],"sentiment":"neutral","sentiment_score":0.21051353417957822,"num_words":6,"start":2219.6099,"end":2236.285},{"sentences":[{"text":"Yes.","start":2241.705,"end":2242.025,"sentiment":"positive","sentiment_score":0.4727635383605957},{"text":"It is.","start":2242.025,"end":2242.7651,"sentiment":"positive","sentiment_score":0.4621550887823105},{"text":"So what I yes.","start":2242.985,"end":2250.8699,"sentiment":"positive","sentiment_score":0.3659704141318798},{"text":"Absolutely.","start":2250.93,"end":2251.3298,"sentiment":"positive","sentiment_score":0.35391613841056824},{"text":"And I would I would calculate how that would look.","start":2251.3298,"end":2253.17,"sentiment":"neutral","sentiment_score":0.12853547781705857}],"sentiment":"neutral","sentiment_score":0.2500125716129939,"num_words":18,"start":2241.705,"end":2253.17},{"sentences":[{"text":"So what what I'm what I'm kind of, I guess, mentally considering is the fact that we are about to lose a year.","start":2253.17,"end":2262.345,"sentiment":"neutral","sentiment_score":-0.21681613021570703},{"text":"So it's it's a it's a rolling five years, and we're about to lose a year.","start":2262.9648,"end":2266.505,"sentiment":"neutral","sentiment_score":-0.3297913884744048},{"text":"Replace it.","start":2280.98,"end":2282.36,"sentiment":"neutral","sentiment_score":-0.2205437794327736},{"text":"Yep.","start":2282.4202,"end":2282.9202,"sentiment":"neutral","sentiment_score":-0.03267437964677811},{"text":"Let's try.","start":2309.9849,"end":2310.7249,"sentiment":"neutral","sentiment_score":0.013746466487646103}],"sentiment":"neutral","sentiment_score":-0.24340232309292664,"num_words":44,"start":2253.17,"end":2310.7249},{"sentences":[{"text":"Yep.","start":2314.785,"end":2315.285,"sentiment":"neutral","sentiment_score":0.05463014543056488},{"text":"And that should that should theoretically be on the electrode reports that you can provide anyway.","start":2316.1448,"end":2321.045,"sentiment":"neutral","sentiment_score":0.03242279129335657},{"text":"Yeah.","start":2324.0999,"end":2324.5999,"sentiment":"neutral","sentiment_score":0.01432296633720398},{"text":"And and to be clear, there's there's never any way unless someone has liquid funds that they're willing to put into their super fund and have that sitting there for an extended period of time, then I would recommend that you go ahead and put what I'm gonna assume is to a $100,000 into the fund.","start":2325.22,"end":2338.735,"sentiment":"neutral","sentiment_score":-0.07208051416091621},{"text":"What I'm the only thing I'm I'm spitballing is that we have a chunk of money that enables us to basically use a good portion of that one year.","start":2339.0352,"end":2347.915,"sentiment":"neutral","sentiment_score":0.11359185542397458}],"sentiment":"neutral","sentiment_score":-0.0015012350801414656,"num_words":103,"start":2314.785,"end":2347.915},{"sentences":[{"text":"So it's probably gonna be in the vicinity of maybe 10 to $15 for that one year that's about to roll off.","start":2347.915,"end":2358.05,"sentiment":"neutral","sentiment_score":-0.005999636582352899},{"text":"That's all.","start":2358.27,"end":2359.09,"sentiment":"neutral","sentiment_score":0.09478490799665451},{"text":"The other years, we can definitely use, and we can utilize them exactly as we've said by increasing salary sacrifice.","start":2359.23,"end":2365.09,"sentiment":"positive","sentiment_score":0.36335394289344547},{"text":"Yes.","start":2367.315,"end":2367.815,"sentiment":"neutral","sentiment_score":0.050896432250738144},{"text":"Five.","start":2368.115,"end":2368.595,"sentiment":"neutral","sentiment_score":0.04535347223281861}],"sentiment":"neutral","sentiment_score":0.16132405594639157,"num_words":46,"start":2347.915,"end":2368.595},{"sentences":[{"text":"Yeah.","start":2368.595,"end":2369.095,"sentiment":"neutral","sentiment_score":0.06320501863956451},{"text":"Yeah.","start":2370.275,"end":2370.5151,"sentiment":"neutral","sentiment_score":0.07311779260635376},{"text":"So if once you jump on my gov, it it literally it'll show you.","start":2370.5151,"end":2373.555,"sentiment":"neutral","sentiment_score":-0.10744880884885788},{"text":"It makes it really stupid proof.","start":2373.555,"end":2376.055,"sentiment":"negative","sentiment_score":-0.5412484457095464},{"text":"They don't show you every single year.","start":2376.275,"end":2377.795,"sentiment":"neutral","sentiment_score":-0.28297761721270426}],"sentiment":"neutral","sentiment_score":-0.2274584312891138,"num_words":29,"start":2368.595,"end":2377.795},{"sentences":[{"text":"They just show you the five you have access to.","start":2377.795,"end":2379.815,"sentiment":"neutral","sentiment_score":-0.0790686547756195},{"text":"Yeah.","start":2385.84,"end":2386.08,"sentiment":"neutral","sentiment_score":-0.02977006882429123},{"text":"25, 27 and a half, and 30, unfortunately.","start":2386.08,"end":2389.22,"sentiment":"neutral","sentiment_score":-0.05916151264682412},{"text":"Well, if you've been receiving 15% contributions on a $100,000, that's basically $15 a year, so it'll be the leftover of that.","start":2394.2249,"end":2406.31,"sentiment":"neutral","sentiment_score":0.016861613162539223},{"text":"Yeah.","start":2406.85,"end":2407.17,"sentiment":"neutral","sentiment_score":0.17499767243862152}],"sentiment":"neutral","sentiment_score":-0.01780465608906178,"num_words":42,"start":2377.795,"end":2407.17},{"sentences":[{"text":"So it'll be anywhere between that 10 and 15.","start":2407.17,"end":2409.43,"sentiment":"neutral","sentiment_score":0.09112720605399874},{"text":"Yeah.","start":2411.33,"end":2411.73,"sentiment":"neutral","sentiment_score":0.22530069947242737},{"text":"The math still works.","start":2411.73,"end":2412.95,"sentiment":"neutral","sentiment_score":0.29670100659132004},{"text":"That's okay.","start":2422.3848,"end":2423.105,"sentiment":"neutral","sentiment_score":0.17644894123077393},{"text":"It's what I'm here for.","start":2423.105,"end":2424.4048,"sentiment":"neutral","sentiment_score":0.2134670376777649}],"sentiment":"neutral","sentiment_score":0.17392774529400326,"num_words":21,"start":2407.17,"end":2424.4048},{"sentences":[{"text":"Mhmm.","start":2430.0,"end":2430.5,"sentiment":"neutral","sentiment_score":0.010517783463001251},{"text":"Yep.","start":2436.16,"end":2436.6401,"sentiment":"neutral","sentiment_score":0.030918166041374207},{"text":"So depends on the kind of structure that you want to look at going ahead with and how you wanna factor things in.","start":2436.6401,"end":2443.905,"sentiment":"neutral","sentiment_score":0.02775310660186021},{"text":"But what we do is it's 3.3% upfront based on the funds under management that we're looking at basically managing or dealing with.","start":2444.545,"end":2454.965,"sentiment":"neutral","sentiment_score":0.06004367606795352},{"text":"From there, if you wanna enter into an ongoing agreement, ongoing advice where we continue to help you, then what we look at is 1.65% ongoing annually, and we can charge that across a month like, sorry, across the year monthly.","start":2455.5051,"end":2471.17,"sentiment":"neutral","sentiment_score":0.11987874238956266}],"sentiment":"neutral","sentiment_score":0.07837966729081079,"num_words":89,"start":2430.0,"end":2471.17},{"sentences":[{"text":"If you just want a one off piece of advice that you're then able to implement, go, and hold, then that's absolutely fine as well.","start":2472.615,"end":2479.815,"sentiment":"neutral","sentiment_score":0.3281664025783539},{"text":"And then you can kind of always come back to us for, like, one off advice pieces or anything like that in the future, which is $1,500 when we sort of know your circumstances, know your situation, and we're able to basically have that conversation and just kinda update and go from there.","start":2479.815,"end":2497.305,"sentiment":"positive","sentiment_score":0.39510300924193187},{"text":"Mhmm.","start":2508.905,"end":2509.145,"sentiment":"neutral","sentiment_score":0.008323382586240768},{"text":"It'd be 1,500 minimum.","start":2509.145,"end":2510.6848,"sentiment":"neutral","sentiment_score":0.020421689376235008},{"text":"Okay.","start":2517.3,"end":2517.8,"sentiment":"neutral","sentiment_score":0.1243528425693512}],"sentiment":"positive","sentiment_score":0.34951169686835437,"num_words":84,"start":2472.615,"end":2517.8},{"sentences":[{"text":"And that's payable on your acceptance of So I'm able to go ahead and technically do all of this first.","start":2519.7,"end":2529.7651,"sentiment":"neutral","sentiment_score":0.2701160468161106},{"text":"And the reason we do it that way is so the Royal Commission came through in 2018, and and this like, Oakview Financial has been around since 2019.","start":2529.7651,"end":2540.105,"sentiment":"neutral","sentiment_score":0.2313915528357029},{"text":"Both of the directors, Severiano Zata and Bart or Barth Barth Ryan, had been in the industries like myself for a little bit over a decade, and they came from quite large firms who would charge clients $5 for a piece of advice, so a statement of advice, the document that I would draw up for you.","start":2540.64,"end":2565.565,"sentiment":"neutral","sentiment_score":0.08790475476467818},{"text":"And what that what they would what that would result in is the client paying 2 and a half grand for this conversation, which then resulted in clients accepting whatever advice came across the table because they wanted to see a return on the investment that they'd already put in.","start":2565.705,"end":2579.62,"sentiment":"positive","sentiment_score":0.3934259659051895},{"text":"The boys both wanna basically put money where our mouth is, put our right foot forward, and show you what we can do before you have to put any money on the line or, you know, agree to anything.","start":2580.6401,"end":2593.325,"sentiment":"neutral","sentiment_score":0.2604436966089102}],"sentiment":"neutral","sentiment_score":0.240827102578946,"num_words":194,"start":2519.7,"end":2593.325},{"sentences":[{"text":"Just putting faith faith and trust back into the industry.","start":2596.265,"end":2599.245,"sentiment":"neutral","sentiment_score":-0.015315856877714395},{"text":"Mhmm.","start":2608.4202,"end":2608.9202,"sentiment":"neutral","sentiment_score":0.009282502345740795},{"text":"Yes.","start":2615.395,"end":2615.7148,"sentiment":"neutral","sentiment_score":0.17962338030338287},{"text":"Yeah.","start":2615.7148,"end":2616.035,"sentiment":"neutral","sentiment_score":0.1657300591468811},{"text":"Yeah.","start":2616.035,"end":2616.515,"sentiment":"neutral","sentiment_score":0.1605595201253891}],"sentiment":"neutral","sentiment_score":0.02585977808173214,"num_words":14,"start":2596.265,"end":2616.515},{"sentences":[{"text":"Essentially, you would be able to.","start":2616.515,"end":2617.875,"sentiment":"neutral","sentiment_score":0.17201071480909982},{"text":"Yeah.","start":2617.875,"end":2618.375,"sentiment":"neutral","sentiment_score":0.16122373938560486},{"text":"I sure can.","start":2628.2102,"end":2629.27,"sentiment":"neutral","sentiment_score":0.1797565072774887},{"text":"No.","start":2633.33,"end":2633.6501,"sentiment":"neutral","sentiment_score":-0.03186897933483124},{"text":"Absolutely.","start":2633.6501,"end":2634.1501,"sentiment":"neutral","sentiment_score":0.10443049669265748}],"sentiment":"neutral","sentiment_score":0.15042658895254135,"num_words":12,"start":2616.515,"end":2634.1501},{"sentences":[{"text":"I will just triple check-in my system because I know you're a new client.","start":2634.37,"end":2638.6301,"sentiment":"neutral","sentiment_score":0.08562844033752169},{"text":"I just wanna make sure that we oh, yeah.","start":2639.33,"end":2643.075,"sentiment":"neutral","sentiment_score":0.08669761278563076},{"text":"Markrwally8@gmail.com?","start":2643.075,"end":2645.495,"sentiment":"neutral","sentiment_score":0.04501029849052429},{"text":"Perfect.","start":2646.835,"end":2647.155,"sentiment":"positive","sentiment_score":0.5626037120819092},{"text":"Alright.","start":2647.155,"end":2647.475,"sentiment":"positive","sentiment_score":0.3803004026412964}],"sentiment":"neutral","sentiment_score":0.11411504203883502,"num_words":26,"start":2634.37,"end":2647.475},{"sentences":[{"text":"Well, you'll have an email from me within a few moments.","start":2647.475,"end":2650.695,"sentiment":"positive","sentiment_score":0.3549763262271881},{"text":"Not a problem at all, Mark.","start":2653.73,"end":2655.0898,"sentiment":"positive","sentiment_score":0.6155396600564321},{"text":"I will get everything rolling for you, and I'll turn it all around.","start":2655.0898,"end":2659.0898,"sentiment":"positive","sentiment_score":0.7503262804104731},{"text":"And I'll be in touch when I have it all done before end of financial year.","start":2659.0898,"end":2664.79,"sentiment":"positive","sentiment_score":0.4276075158268213},{"text":"Not a problem at all, Mark.","start":2669.525,"end":2670.645,"sentiment":"positive","sentiment_score":0.5740515391031901}],"sentiment":"positive","sentiment_score":0.5315047823465787,"num_words":52,"start":2647.475,"end":2670.645},{"sentences":[{"text":"Thanks so much.","start":2670.645,"end":2671.365,"sentiment":"positive","sentiment_score":0.8619937499364217},{"text":"You have a good 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I'm well. Sorry. I didn't quite get to the phone in time. Right then. That's alright. I was in the middle of doing something. So that's all good. How are you? Good. Not bad. Yep. Yep. Yeah. It's fine. Sure. Okay. So so there is a first of all, thanks for setting up this time. I appreciate it and being flexible around the timing. Let me just give you the the background of of of why we're here. Louis, I'm 68 years old, Had a corporate career in food and beverage manufacturing. Then went into small business and then eventually had my own business for about eight or nine years. Came out of that in 2017. It's been solving work for a few years, and I've just reinvented myself into a a new role in the public service. The issue I have is that sorry. And that that role now is with the Department of Health Affairs and the Australian Border Force. So and I've been in that role now for about four years. So I have no intention of stopping working, and you'll probably see why in a moment. Over the years of running my so so I lived through a period in my career where superannuation wasn't really a thing. Right? So there are a lot of my years that that there was no no such thing as superannuation until I came in in the late, I don't know, late eighties, I guess. Late nineties. Yeah. That early nineties. Yeah. It it started. So by then, I was kind of well well through my corporate career and punching out the other side. So I ended up starting my business, and I think I had about a $150,000 in super. Running my small biz my my business and not being able to make any contributions and watching my life insurances gobble up all my superannuation. I pretty much I pretty much got to the point where I I had zero balance. So so superannuation just is not part of the part of the equation at all. So so I'm now in a in a role, obviously, where I get I get paid every fortnight and 15% superannuation goes into an account. And that's and that's and that's having a moment. So I think, you know, I think the last time I looked there was about $3,540,000 dollars sitting in that account. So, you know, pretty much by the rule. So we we recently moved to the Northern Rivers from Sydney. Sold our home down in Sydney. Moved up moved up here and we're now in Yamba. And we're building a place here in Yamba. And that should be finished in about twelve months time. So what I'm doing and and what why I'm having this call is because pretty it's, you know, pretty pretty simple to understand my position. But what I'm what I'm interested in is understanding, you know, I I can run the spreadsheet. So I've I've run my spreadsheet. But there's there's no guarantee that it's accurate. Obviously, this is not my area of expertise. So I've run my spreadsheet and I've said, look, I think I I'd like to be able to get to ten years work, which brings me to 2033. So the key key for me is to keep myself fit and healthy so I can get to that point. When I get to that point, I'm gonna have about 200,000 in super is my guess looking at it. What I'm interested in is understanding, I guess, a few things. One is what's the relationship between my superannuation, the age pension, and how's that all kind of roll out? And then also understanding whether where where I can make lump sum contributions. We are looking down the barrel sometime in the next five years of probably getting a a chunk of money. And I I guess I'm trying to understand what the impact of that will be and where I best put that when we do get it. And we're probably talking around about probably about a million dollars. But some of that will go to pay off a a modest mortgage and and the rest will essentially be our future living. And then also understanding whether I can make some additional contributions now and what that looks like if I started doing that now. And, you know, we push ourselves out to that 2033. What does it then look like? I'm setting '20 I'm setting 2033 as a normal a normal date, only because that brings me to ten years. But, you know, if I can get myself to a financially secure position and give ourselves a reasonable lifestyle before that, then I'll I'll pull the pin earlier. But my my work is not is not I'm I'm an analyst, so I'm it's a pretty century job. It's, you know, you could you know, you just need brain power to do it. You don't really need to be you know, I'm not I'm not boarding ships and kicking down doors. So I don't I I can I can do this job forever, you know? And and they don't you know, obviously, the government doesn't care how old I am, so long as I'm still doing it quick. So it's it's I'm in a I'm in a, you know, fortunate position where I can, you know, keep working and and and, you know, I've just gotta keep myself healthy, which which I am at the moment. That's what so I guess that they're all like they're all the issues. And I just I just wondered whether, is there a is there a model that we can punch some numbers into and start running some modeling to see what all that looks like? Go for it. Go for it. You you ask the questions. That's right. Yeah. I mean, look, it it just brings me to ten year point. As you know, look, I mean, long service only, what is it, three months pay? I mean, it's not a it's not a killer amount of money. But but, you know, it just gives me a a a date to to to shoot for. And, you know, as I said, if we can get if I can get myself to a financially secure position before then it gives ourselves a reasonable last fall, then then I'll I'll fail early. We need to we need to to have about 6 and a half thousand dollars a month net to live off. So you probably what what's that? $7,080,000 dollars a year. So, you know, it's yeah. And my I mean, if I run my numbers, I go, okay. If I had 400,000 if if I had if I had it'd been $20.33, I don't make any additional contributions. My super ends up being around about $200,000 or thereabouts. You know, we top it up with a bit of cash, bring it up to $400,000. Then, you know, with that plus some cash investment, probably we're probably getting close. Ideally, I'd love to have $400,000 in super and get the age pension, then then we're then we're square. But but that's but but then I've got this other issue of that that's only gonna you know, I can only get to that 400 if I if I tap into this cash and that cash is gonna cause a problem with the age pension. So, you know, we're probably gonna I I suspect we probably get we we can probably take the age pension out of the equation because I'm gonna we're gonna exceed that b dollar mark. Yeah. Yep. It's a 1.8 bill, And we've got we started off the project at 1.5 in cash. And obviously, we've paid a bit out already on that. A deposit and so on. So I'm probably gonna have to take a modest mortgage of about 300 when once we're all up. So to square it all away, which I don't think that's gonna be I don't think that's that's that's not an issue. Because I'm, you know, I'm I'm I've got a reasonable pay, and and it's a very small loan against the equity in the in the property. So I don't I don't foresee it being an issue. And we would we would seek to dispose of that as soon as we got some money. So my expectation is that within five years, we won't have that mortgage around. I am. I am. My wife my wife doesn't work. She's she's she's retired. Yep. 100,000? Just over? That that's that number. I think I think it's about a 102,000. They're about something like that. And it'll it'll go up it'll go up in the next little while by about three or 4%. I'm I'm expecting that'll change within the next twelve months. It'll probably jump to about 115, but let's not let's not bank that. Just leave it up for the moment. Yep. They do. They do. No. We don't, but that's part of my query. That's right. No. No. All all of all of our money's in her name, obviously, for obvious reasons. But other than that, no. Nothing. Yeah. Yeah. Yep. That's that's it. That's it. Oh, you got a car. Yeah. It's a car. It's a car. That's I don't know how far that's 50 thousand. Mhmm. It is. Correct. Yep. Yep. Yep. It does. Yep. You almost not you don't wanna you almost don't wanna take it. Well, maybe maybe give me maybe give me a quarter of it. Someone else someone else have the rest. Anyway, it's stupid as well. Yeah. You're actually better off not not taking stuff not taking all of it anyway. But anyway No. It's not in a trust. It's it's her personal wealth, and it's always being shared around the family. And there are three girls, and my my wife will get a one third share. So so it's just it's just gonna come as as the the estate will pay the tax. It'll come it'll come tax the estate will pay the tax on on that benefit. Yeah. Yeah. That's right. Yeah. Yeah. Benefits. Yeah. Yeah. No. That's right. That's it it it would be it I I'd I'd be interested to know that if if if and when it landed, what do we do with it? Would would probably be my question. And then even I mean, at the moment, I think I can I can put money in a super and take it straight out again? So whether whether super is still the the right vehicle or whether we should be doing something else. I mean, I I don't know. These are all questions that I had. And and right now, I'm looking at it going, you know, I could probably double my contributions at the moment. Mhmm. And that would have us well, based on what I can see, that would have a significant impact on on where we'd be by 2033. Yeah. Yep. What's that? Sorry. What does that mean? Yeah. That's okay. I'm not I'm I'm okay with that. Just don't don't don't don't don't don't don't don't don't expose me financially. I'll I'll lose my security clearance. Yep. Yeah. Yep. Yep. Yes. Yeah. Yeah. Yep. Yep. Mhmm. Okay. Good. It'll run up. Yeah. Jesus. It cost me it cost me a fortune this far this this this this far. Yeah. We could we could share it around. Yep. Yep. Mhmm. Yep. Yep. They're reaching for it. So if you put me in full, do you still have access to the income? Yeah. Okay. Yep. The module right Yeah. Yep. Government. It's the no. It's the I call it CPSC or c Commonwealth Commonwealth Superfund or the Commonwealth government fund. It's not it's not it's not the good one. I don't play for the good one. You'd be surprised, engineers are sitting inside government. Well, you're probably not gonna be surprised, but they're all just they're all just sitting there waiting for their superannuation to mature. Right. Pretty pretty sad to watch, really. Yeah. A couple of years younger. Yep. 12/1157. Linda, l I n yep. Linda. And switch them d three seven sixty. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. So I can just so I can understand what you just said, I can sacrifice a chunk of money into the super fund and I can draw it out right away at 15%. Yep. It's expert. But I can pull it at any time because I'm 68. Right? Well, that's a nice tax saving. I have yep. I have access to I have access to concessional contributions, so I haven't exceeded those caps in the last five years. Yes. Yep. Yep. Yep. Yeah. Okay. I got it. Yeah. Yeah. Yeah. Good. No. Look. I'm actually trying to do the that we have invested, we've got a chunk of it with Police Bank and and then there's a chunk of it with Latrobe Financial. We live we live off the interest of that in addition to my my my salary. So we would need can we if we if we did that, I'd I'd I'd be dropping my my my income, my monthly income. Yeah. Yeah. Yep. Oh, I see. I get the text back. I have. I have. And I get difference between the marginal rate and the super rate. Is that right? Yep. I'm I think and my my I spoke to account the other day. I'm trying to get into do the last two years tax returns. So so, yeah, I'm I'm we're we're we're behind. We always said we're on behind. Always. No I'm not I I got it. I could I could talk to you about that and say, what what's the value of doing this? How fast can you turn around? I mean, he probably I'm not quite as you can see, I'm not that complicated anymore. So not it's not it will do my tax. So it's just yeah. Yep. Yep. I did. Yep. Yep. Yep. Yep. Yep. Yep. Summary. Sure. Yeah. Yep. Yep. Not too easy. Yep. Yep. Yep. Okay. Got it. Can I just quickly backtrack to one thing you said? So with with my current salary, if we didn't put a lump a big lump lump of money in to soak up all of those backdated contributions, But rather just increased substantially my salary sacrifice. That that's a significant tax saving by doing that. I can put it into the pull it out of the super at a lower rate and get it and just take the tax benefit. Right? Yeah. No. And that's that's important. The the the the the money we've got in Police Bank, that's there's a million sitting in that. That's that's rolled over on a term deposit in April. So it's not gonna should there be a no. No. The stuff with Latrobe is a chunk of money that's about to come out. I can't remember the date. My wife just walked in. Linda, do you remember when that when that next rollover date is on Latrobe? Is this June? Okay. It's this month. I'll check it. I'll check it. I think there is a some money that's about to roll out of Latrobe. Yeah. So that might be an opportunity. I'll have a look at that. Yeah. He together. I should be able to get I should be able to find that pretty I'll just log on and look. Yep. Yeah. Yep. You can go back five years. Is it is it five years, Larissa? You can go back? Yeah. Five years. Yeah. It's that it looks the five years, it it what would it be? About $25 a year average. Right? So $20 or something? That we get that Yeah. Okay. Oh, yeah. Cool. Okay. Okay. And that's what work. Yeah. I'm I'd I'd like to go ahead and and get that done. I'm sorry. It'll load more work on you at this time of year. But that'd be that'd be good. Just can you give me an understanding of your fees and how they and how they work? Yep. Yep. So so initially, for this advice you're about I'm asking you to provide, is that $1,500 or or is that a calculation of the amount of money we're talking about? Okay. Okay. Yep. Yep. Yeah. Yes. Yeah. Yeah. Okay. No. That's cool. What I do notice, Larissa, not wanting to inflate the issue or inflate the issue. I am able to salary sacrifice these fees. So that's interesting. Yeah. So we can we can set that up as part of this arrangement. Alright. Do you wanna send me an email with what you need? And I'll very quickly pull that together. That's it. Perfect, Marissa. Thank you. Great. That's true. Thanks for your time. Appreciate it. 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boss. I'm well. Sorry. I didn't quite get to the phone in time. Right then.\n\nThat's alright. I was in the middle of doing something. So that's all good. How are you? Good.\n\nNot bad. Yep. Yep. Yeah. It's fine.\n\nSure. Okay. So so there is a first of all, thanks for setting up this time. I appreciate it and being flexible around the timing. Let me just give you the the background of of of why we're here.\n\nLouis, I'm 68 years old, Had a corporate career in food and beverage manufacturing. Then went into small business and then eventually had my own business for about eight or nine years. Came out of that in 2017. It's been solving work for a few years, and I've just reinvented myself into a a new role in the public service. The issue I have is that sorry.\n\nAnd that that role now is with the Department of Health Affairs and the Australian Border Force. So and I've been in that role now for about four years. So I have no intention of stopping working, and you'll probably see why in a moment. Over the years of running my so so I lived through a period in my career where superannuation wasn't really a thing. Right?\n\nSo there are a lot of my years that that there was no no such thing as superannuation until I came in in the late, I don't know, late eighties, I guess. Late nineties. Yeah. That early nineties. Yeah.\n\nIt it started. So by then, I was kind of well well through my corporate career and punching out the other side. So I ended up starting my business, and I think I had about a $150,000 in super. Running my small biz my my business and not being able to make any contributions and watching my life insurances gobble up all my superannuation. I pretty much I pretty much got to the point where I I had zero balance.\n\nSo so superannuation just is not part of the part of the equation at all. So so I'm now in a in a role, obviously, where I get I get paid every fortnight and 15% superannuation goes into an account. And that's and that's and that's having a moment. So I think, you know, I think the last time I looked there was about $3,540,000 dollars sitting in that account. So, you know, pretty much by the rule.\n\nSo we we recently moved to the Northern Rivers from Sydney. Sold our home down in Sydney. Moved up moved up here and we're now in Yamba. And we're building a place here in Yamba. And that should be finished in about twelve months time.\n\nSo what I'm doing and and what why I'm having this call is because pretty it's, you know, pretty pretty simple to understand my position. But what I'm what I'm interested in is understanding, you know, I I can run the spreadsheet. So I've I've run my spreadsheet. But there's there's no guarantee that it's accurate. Obviously, this is not my area of expertise.\n\nSo I've run my spreadsheet and I've said, look, I think I I'd like to be able to get to ten years work, which brings me to 2033. So the key key for me is to keep myself fit and healthy so I can get to that point. When I get to that point, I'm gonna have about 200,000 in super is my guess looking at it. What I'm interested in is understanding, I guess, a few things. One is what's the relationship between my superannuation, the age pension, and how's that all kind of roll out?\n\nAnd then also understanding whether where where I can make lump sum contributions. We are looking down the barrel sometime in the next five years of probably getting a a chunk of money. And I I guess I'm trying to understand what the impact of that will be and where I best put that when we do get it. And we're probably talking around about probably about a million dollars. But some of that will go to pay off a a modest mortgage and and the rest will essentially be our future living.\n\nAnd then also understanding whether I can make some additional contributions now and what that looks like if I started doing that now. And, you know, we push ourselves out to that 2033. What does it then look like? I'm setting '20 I'm setting 2033 as a normal a normal date, only because that brings me to ten years. But, you know, if I can get myself to a financially secure position and give ourselves a reasonable lifestyle before that, then I'll I'll pull the pin earlier.\n\nBut my my work is not is not I'm I'm an analyst, so I'm it's a pretty century job. It's, you know, you could you know, you just need brain power to do it. You don't really need to be you know, I'm not I'm not boarding ships and kicking down doors. So I don't I I can I can do this job forever, you know? And and they don't you know, obviously, the government doesn't care how old I am, so long as I'm still doing it quick.\n\nSo it's it's I'm in a I'm in a, you know, fortunate position where I can, you know, keep working and and and, you know, I've just gotta keep myself healthy, which which I am at the moment. That's what so I guess that they're all like they're all the issues. And I just I just wondered whether, is there a is there a model that we can punch some numbers into and start running some modeling to see what all that looks like? Go for it. Go for it.\n\nYou you ask the questions. That's right. Yeah. I mean, look, it it just brings me to ten year point. As you know, look, I mean, long service only, what is it, three months pay?\n\nI mean, it's not a it's not a killer amount of money. But but, you know, it just gives me a a a date to to to shoot for. And, you know, as I said, if we can get if I can get myself to a financially secure position before then it gives ourselves a reasonable last fall, then then I'll I'll fail early. We need to we need to to have about 6 and a half thousand dollars a month net to live off. So you probably what what's that?\n\n$7,080,000 dollars a year. So, you know, it's yeah. And my I mean, if I run my numbers, I go, okay. If I had 400,000 if if I had if I had it'd been $20.33, I don't make any additional contributions. My super ends up being around about $200,000 or thereabouts.\n\nYou know, we top it up with a bit of cash, bring it up to $400,000. Then, you know, with that plus some cash investment, probably we're probably getting close. Ideally, I'd love to have $400,000 in super and get the age pension, then then we're then we're square. But but that's but but then I've got this other issue of that that's only gonna you know, I can only get to that 400 if I if I tap into this cash and that cash is gonna cause a problem with the age pension. So, you know, we're probably gonna I I suspect we probably get we we can probably take the age pension out of the equation because I'm gonna we're gonna exceed that b dollar mark.\n\nYeah. Yep. It's a 1.8 bill, And we've got we started off the project at 1.5 in cash. And obviously, we've paid a bit out already on that. A deposit and so on.\n\nSo I'm probably gonna have to take a modest mortgage of about 300 when once we're all up. So to square it all away, which I don't think that's gonna be I don't think that's that's that's not an issue. Because I'm, you know, I'm I'm I've got a reasonable pay, and and it's a very small loan against the equity in the in the property. So I don't I don't foresee it being an issue. And we would we would seek to dispose of that as soon as we got some money.\n\nSo my expectation is that within five years, we won't have that mortgage around. I am. I am. My wife my wife doesn't work. She's she's she's retired.\n\nYep. 100,000? Just over? That that's that number. I think I think it's about a 102,000.\n\nThey're about something like that. And it'll it'll go up it'll go up in the next little while by about three or 4%. I'm I'm expecting that'll change within the next twelve months. It'll probably jump to about 115, but let's not let's not bank that. Just leave it up for the moment.\n\nYep. They do. They do. No. We don't, but that's part of my query.\n\nThat's right. No. No. All all of all of our money's in her name, obviously, for obvious reasons. But other than that, no.\n\nNothing. Yeah. Yeah. Yep. That's that's it.\n\nThat's it. Oh, you got a car. Yeah. It's a car. It's a car.\n\nThat's I don't know how far that's 50 thousand. Mhmm. It is. Correct. Yep.\n\nYep. Yep. It does. Yep. You almost not you don't wanna you almost don't wanna take it.\n\nWell, maybe maybe give me maybe give me a quarter of it. Someone else someone else have the rest. Anyway, it's stupid as well. Yeah. You're actually better off not not taking stuff not taking all of it anyway.\n\nBut anyway No. It's not in a trust. It's it's her personal wealth, and it's always being shared around the family. And there are three girls, and my my wife will get a one third share. So so it's just it's just gonna come as as the the estate will pay the tax.\n\nIt'll come it'll come tax the estate will pay the tax on on that benefit. Yeah. Yeah. That's right. Yeah.\n\nYeah. Benefits. Yeah. Yeah. No.\n\nThat's right. That's it it it would be it I I'd I'd be interested to know that if if if and when it landed, what do we do with it? Would would probably be my question. And then even I mean, at the moment, I think I can I can put money in a super and take it straight out again? So whether whether super is still the the right vehicle or whether we should be doing something else.\n\nI mean, I I don't know. These are all questions that I had. And and right now, I'm looking at it going, you know, I could probably double my contributions at the moment. Mhmm. And that would have us well, based on what I can see, that would have a significant impact on on where we'd be by 2033.\n\nYeah. Yep. What's that? Sorry. What does that mean?\n\nYeah. That's okay. I'm not I'm I'm okay with that. Just don't don't don't don't don't don't don't don't don't expose me financially. I'll I'll lose my security clearance.\n\nYep. Yeah. Yep. Yep. Yes.\n\nYeah. Yeah. Yep. Yep. Mhmm.\n\nOkay. Good. It'll run up. Yeah. Jesus.\n\nIt cost me it cost me a fortune this far this this this this far. Yeah. We could we could share it around. Yep. Yep.\n\nMhmm. Yep. Yep. They're reaching for it. So if you put me in full, do you still have access to the income?\n\nYeah. Okay. Yep. The module right Yeah. Yep.\n\nGovernment. It's the no. It's the I call it CPSC or c Commonwealth Commonwealth Superfund or the Commonwealth government fund. It's not it's not it's not the good one. I don't play for the good one.\n\nYou'd be surprised, engineers are sitting inside government. Well, you're probably not gonna be surprised, but they're all just they're all just sitting there waiting for their superannuation to mature. Right. Pretty pretty sad to watch, really. Yeah.\n\nA couple of years younger. Yep. 12/1157. Linda, l I n yep. Linda.\n\nAnd switch them d three seven sixty. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. So I can just so I can understand what you just said, I can sacrifice a chunk of money into the super fund and I can draw it out right away at 15%. Yep.\n\nIt's expert. But I can pull it at any time because I'm 68. Right? Well, that's a nice tax saving. I have yep.\n\nI have access to I have access to concessional contributions, so I haven't exceeded those caps in the last five years. Yes. Yep. Yep. Yep.\n\nYeah. Okay. I got it. Yeah. Yeah.\n\nYeah. Good. No. Look. I'm actually trying to do the that we have invested, we've got a chunk of it with Police Bank and and then there's a chunk of it with Latrobe Financial.\n\nWe live we live off the interest of that in addition to my my my salary. So we would need can we if we if we did that, I'd I'd I'd be dropping my my my income, my monthly income. Yeah. Yeah. Yep.\n\nOh, I see. I get the text back. I have. I have. And I get difference between the marginal rate and the super rate.\n\nIs that right? Yep. I'm I think and my my I spoke to account the other day. I'm trying to get into do the last two years tax returns. So so, yeah, I'm I'm we're we're we're behind.\n\nWe always said we're on behind. Always. No I'm not I I got it. I could I could talk to you about that and say, what what's the value of doing this? How fast can you turn around?\n\nI mean, he probably I'm not quite as you can see, I'm not that complicated anymore. So not it's not it will do my tax. So it's just yeah. Yep. Yep.\n\nI did. Yep. Yep. Yep. Yep.\n\nYep. Yep. Summary. Sure. Yeah.\n\nYep. Yep. Not too easy. Yep. Yep.\n\nYep. Okay. Got it. Can I just quickly backtrack to one thing you said? So with with my current salary, if we didn't put a lump a big lump lump of money in to soak up all of those backdated contributions, But rather just increased substantially my salary sacrifice.\n\nThat that's a significant tax saving by doing that. I can put it into the pull it out of the super at a lower rate and get it and just take the tax benefit. Right? Yeah. No.\n\nAnd that's that's important. The the the the the money we've got in Police Bank, that's there's a million sitting in that. That's that's rolled over on a term deposit in April. So it's not gonna should there be a no. No.\n\nThe stuff with Latrobe is a chunk of money that's about to come out. I can't remember the date. My wife just walked in. Linda, do you remember when that when that next rollover date is on Latrobe? Is this June?\n\nOkay. It's this month. I'll check it. I'll check it. I think there is a some money that's about to roll out of Latrobe.\n\nYeah. So that might be an opportunity. I'll have a look at that. Yeah. He together.\n\nI should be able to get I should be able to find that pretty I'll just log on and look. Yep. Yeah. Yep. You can go back five years.\n\nIs it is it five years, Larissa? You can go back? Yeah. Five years. Yeah.\n\nIt's that it looks the five years, it it what would it be? About $25 a year average. Right? So $20 or something? That we get that Yeah.\n\nOkay. Oh, yeah. Cool. Okay. Okay.\n\nAnd that's what work. Yeah. I'm I'd I'd like to go ahead and and get that done. I'm sorry. It'll load more work on you at this time of year.\n\nBut that'd be that'd be good. Just can you give me an understanding of your fees and how they and how they work? Yep. Yep. So so initially, for this advice you're about I'm asking you to provide, is that $1,500 or or is that a calculation of the amount of money we're talking about?\n\nOkay. Okay. Yep. Yep. Yeah.\n\nYes. Yeah. Yeah. Okay. No.\n\nThat's cool. What I do notice, Larissa, not wanting to inflate the issue or inflate the issue. I am able to salary sacrifice these fees. So that's interesting. Yeah.\n\nSo we can we can set that up as part of this arrangement. Alright. Do you wanna send me an email with what you need? And I'll very quickly pull that together. That's it.\n\nPerfect, Marissa. Thank you. Great. That's true. Thanks for your time.\n\nAppreciate it. It.","paragraphs":[{"sentences":[{"text":"My boss.","start":0.64,"end":1.3,"sentiment":"neutral","sentiment_score":0.06150385923683643},{"text":"I'm well.","start":7.9199996,"end":8.48,"sentiment":"neutral","sentiment_score":0.23563892394304276},{"text":"Sorry.","start":8.48,"end":8.8,"sentiment":"neutral","sentiment_score":-0.11017683148384094},{"text":"I didn't quite get to the phone in time.","start":8.8,"end":12.015,"sentiment":"neutral","sentiment_score":-0.1512572252088123},{"text":"Right then.","start":12.015,"end":18.115,"sentiment":"neutral","sentiment_score":0.004899868741631508}],"sentiment":"neutral","sentiment_score":-0.054212909657508135,"num_words":16,"start":0.64,"end":18.115},{"sentences":[{"text":"That's alright.","start":20.494999,"end":21.055,"sentiment":"neutral","sentiment_score":0.16240638494491577},{"text":"I was in the middle of doing something.","start":21.055,"end":22.975,"sentiment":"neutral","sentiment_score":0.14444262720644474},{"text":"So that's all good.","start":22.975,"end":24.99,"sentiment":"positive","sentiment_score":0.36878713965415955},{"text":"How are you?","start":24.99,"end":25.730001,"sentiment":"neutral","sentiment_score":0.24019014835357666},{"text":"Good.","start":28.19,"end":28.51,"sentiment":"positive","sentiment_score":0.37544140219688416}],"sentiment":"neutral","sentiment_score":0.22508412185642454,"num_words":18,"start":20.494999,"end":28.51},{"sentences":[{"text":"Not bad.","start":28.51,"end":29.17,"sentiment":"positive","sentiment_score":0.355800062417984},{"text":"Yep.","start":37.23,"end":37.73,"sentiment":"neutral","sentiment_score":0.16496363282203674},{"text":"Yep.","start":59.91,"end":60.41,"sentiment":"neutral","sentiment_score":0.10174338519573212},{"text":"Yeah.","start":66.47,"end":66.71,"sentiment":"neutral","sentiment_score":0.11673907190561296},{"text":"It's fine.","start":66.71,"end":67.45,"sentiment":"neutral","sentiment_score":0.16326086223125458}],"sentiment":"neutral","sentiment_score":0.2030811341745513,"num_words":7,"start":28.51,"end":67.45},{"sentences":[{"text":"Sure.","start":78.205,"end":78.705,"sentiment":"neutral","sentiment_score":0.14372722804546356},{"text":"Okay.","start":78.765,"end":79.165,"sentiment":"neutral","sentiment_score":0.13735607266426086},{"text":"So so there is a first of all, thanks for setting up this time.","start":79.165,"end":84.32,"sentiment":"positive","sentiment_score":0.42493816731231554},{"text":"I appreciate it and being flexible around the timing.","start":84.46,"end":88.16,"sentiment":"positive","sentiment_score":0.41071587138705784},{"text":"Let me just give you the the background of of of why we're here.","start":89.1,"end":93.28,"sentiment":"neutral","sentiment_score":0.12563696769731386}],"sentiment":"neutral","sentiment_score":0.2996302059827707,"num_words":39,"start":78.205,"end":93.28},{"sentences":[{"text":"Louis, I'm 68 years old, Had a corporate career in food and beverage manufacturing.","start":94.3,"end":102.275,"sentiment":"neutral","sentiment_score":0.04080205503851175},{"text":"Then went into small business and then eventually had my own business for about eight or nine years.","start":103.695,"end":110.78,"sentiment":"neutral","sentiment_score":0.04578324355598953},{"text":"Came out of that in 2017.","start":111.799995,"end":113.56,"sentiment":"neutral","sentiment_score":0.07133099747200806},{"text":"It's been solving work for a few years, and I've just reinvented myself into a a new role in the public service.","start":113.56,"end":121.02,"sentiment":"neutral","sentiment_score":0.1003118541769006},{"text":"The issue I have is that sorry.","start":123.235,"end":126.595,"sentiment":"neutral","sentiment_score":-0.11814294223274503}],"sentiment":"neutral","sentiment_score":0.04780855724838243,"num_words":67,"start":94.3,"end":126.595},{"sentences":[{"text":"And that that role now is with the Department of Health Affairs and the Australian Border Force.","start":126.595,"end":132.535,"sentiment":"neutral","sentiment_score":-0.0757203687201528},{"text":"So and I've been in that role now for about four years.","start":132.595,"end":136.44,"sentiment":"neutral","sentiment_score":0.030376626178622246},{"text":"So I have no intention of stopping working, and you'll probably see why in a moment.","start":138.84,"end":143.34,"sentiment":"neutral","sentiment_score":0.0049107917584478855},{"text":"Over the years of running my so so I lived through a period in my career where superannuation wasn't really a thing.","start":144.52,"end":152.885,"sentiment":"neutral","sentiment_score":-0.08946637470613826},{"text":"Right?","start":152.885,"end":153.285,"sentiment":"neutral","sentiment_score":0.006793569773435593}],"sentiment":"neutral","sentiment_score":-0.04125912881949369,"num_words":68,"start":126.595,"end":153.285},{"sentences":[{"text":"So there are a lot of my years that that there was no no such thing as superannuation until I came in in the late, I don't know, late eighties, I guess.","start":153.285,"end":164.87,"sentiment":"neutral","sentiment_score":-0.03731499722925946},{"text":"Late nineties.","start":164.87,"end":165.59,"sentiment":"neutral","sentiment_score":-0.023611064068973064},{"text":"Yeah.","start":165.59,"end":166.09,"sentiment":"neutral","sentiment_score":0.002271701581776142},{"text":"That early nineties.","start":166.31,"end":168.97,"sentiment":"neutral","sentiment_score":-0.005774690459171931},{"text":"Yeah.","start":169.03,"end":169.35,"sentiment":"neutral","sentiment_score":0.09133248031139374}],"sentiment":"neutral","sentiment_score":-0.02987235715278448,"num_words":39,"start":153.285,"end":169.35},{"sentences":[{"text":"It it started.","start":169.35,"end":170.15,"sentiment":"neutral","sentiment_score":0.13181696583827338},{"text":"So by then, I was kind of well well through my corporate career and punching out the other side.","start":170.15,"end":177.11,"sentiment":"neutral","sentiment_score":0.2012209362889591},{"text":"So I ended up starting my business, and I think I had about a $150,000 in super.","start":177.11,"end":182.82501,"sentiment":"neutral","sentiment_score":0.23758292987066157},{"text":"Running my small biz my my business and not being able to make any contributions and watching my life insurances gobble up all my superannuation.","start":184.32501,"end":191.545,"sentiment":"neutral","sentiment_score":0.030142670720815657},{"text":"I pretty much I pretty much got to the point where I I had zero balance.","start":193.09,"end":196.70999,"sentiment":"neutral","sentiment_score":-0.10137179819867015}],"sentiment":"neutral","sentiment_score":0.09236470614559948,"num_words":80,"start":169.35,"end":196.70999},{"sentences":[{"text":"So so superannuation just is not part of the part of the equation at all.","start":197.01,"end":201.51,"sentiment":"neutral","sentiment_score":-0.18394607404867808},{"text":"So so I'm now in a in a role, obviously, where I get I get paid every fortnight and 15% superannuation goes into an account.","start":202.12999,"end":211.805,"sentiment":"neutral","sentiment_score":0.11045554041862488},{"text":"And that's and that's and that's having a moment.","start":212.985,"end":214.825,"sentiment":"neutral","sentiment_score":0.07700430146521992},{"text":"So I think, you know, I think the last time I looked there was about $3,540,000 dollars sitting in that account.","start":214.825,"end":219.805,"sentiment":"neutral","sentiment_score":0.011250058809916178},{"text":"So, you know, pretty much by the rule.","start":221.08,"end":223.09999,"sentiment":"neutral","sentiment_score":0.05791975557804108}],"sentiment":"neutral","sentiment_score":0.017882633237884596,"num_words":78,"start":197.01,"end":223.09999},{"sentences":[{"text":"So we we recently moved to the Northern Rivers from Sydney.","start":223.8,"end":229.73999,"sentiment":"neutral","sentiment_score":0.16565358435565775},{"text":"Sold our home down in Sydney.","start":230.84,"end":232.36,"sentiment":"neutral","sentiment_score":0.14942517379919687},{"text":"Moved up moved up here and we're now in Yamba.","start":232.36,"end":236.50499,"sentiment":"neutral","sentiment_score":0.20286186933517455},{"text":"And we're building a place here in Yamba.","start":236.72499,"end":240.105,"sentiment":"neutral","sentiment_score":0.3101921286433935},{"text":"And that should be finished in about twelve months time.","start":240.56499,"end":245.06499,"sentiment":"neutral","sentiment_score":0.19847282022237778}],"sentiment":"neutral","sentiment_score":0.2047472087873353,"num_words":45,"start":223.8,"end":245.06499},{"sentences":[{"text":"So what I'm doing and and what why I'm having this call is because pretty it's, you know, pretty pretty simple to understand my position.","start":248.12999,"end":256.31,"sentiment":"neutral","sentiment_score":0.03138714395463467},{"text":"But what I'm what I'm interested in is understanding, you know, I I can run the spreadsheet.","start":257.33,"end":263.855,"sentiment":"neutral","sentiment_score":0.010959289968013763},{"text":"So I've I've run my spreadsheet.","start":263.915,"end":265.535,"sentiment":"neutral","sentiment_score":0.009538609689722458},{"text":"But there's there's no guarantee that it's accurate.","start":267.115,"end":269.275,"sentiment":"neutral","sentiment_score":-0.3245130889117718},{"text":"Obviously, this is not my area of expertise.","start":269.275,"end":271.29498,"sentiment":"neutral","sentiment_score":-0.28715784661471844}],"sentiment":"neutral","sentiment_score":-0.06039295777736697,"num_words":64,"start":248.12999,"end":271.29498},{"sentences":[{"text":"So I've run my spreadsheet and I've said, look, I think I I'd like to be able to get to ten years work, which brings me to 2033.","start":271.435,"end":279.16,"sentiment":"neutral","sentiment_score":0.2632353449506419},{"text":"So the key key for me is to keep myself fit and healthy so I can get to that point.","start":280.34,"end":284.44,"sentiment":"positive","sentiment_score":0.6203089997172355},{"text":"When I get to that point, I'm gonna have about 200,000 in super is my guess looking at it.","start":284.74,"end":292.005,"sentiment":"neutral","sentiment_score":0.24121012342603584},{"text":"What I'm interested in is understanding, I guess, a few things.","start":293.665,"end":297.98502,"sentiment":"neutral","sentiment_score":0.1620296300812201},{"text":"One is what's the relationship between my superannuation, the age pension, and how's that all kind of roll out?","start":297.98502,"end":305.36502,"sentiment":"neutral","sentiment_score":0.09636148967240986}],"sentiment":"neutral","sentiment_score":0.2883809920899647,"num_words":97,"start":271.435,"end":305.36502},{"sentences":[{"text":"And then also understanding whether where where I can make lump sum contributions.","start":307.38,"end":316.19998,"sentiment":"neutral","sentiment_score":0.09327633277728008},{"text":"We are looking down the barrel sometime in the next five years of probably getting a a chunk of money.","start":317.62,"end":324.535,"sentiment":"neutral","sentiment_score":0.12226388603448868},{"text":"And I I guess I'm trying to understand what the impact of that will be and where I best put that when we do get it.","start":326.11502,"end":333.18,"sentiment":"neutral","sentiment_score":0.063601487244551},{"text":"And we're probably talking around about probably about a million dollars.","start":333.34,"end":337.44,"sentiment":"neutral","sentiment_score":0.12862141159447757},{"text":"But some of that will go to pay off a a modest mortgage and and the rest will essentially be our future living.","start":337.74,"end":348.56,"sentiment":"neutral","sentiment_score":0.2816997792409814}],"sentiment":"neutral","sentiment_score":0.14199396951865123,"num_words":93,"start":307.38,"end":348.56},{"sentences":[{"text":"And then also understanding whether I can make some additional contributions now and what that looks like if I started doing that now.","start":350.545,"end":359.58502,"sentiment":"neutral","sentiment_score":0.22324699487375177},{"text":"And, you know, we push ourselves out to that 2033.","start":359.58502,"end":362.945,"sentiment":"neutral","sentiment_score":0.28405275046825407},{"text":"What does it then look like?","start":362.945,"end":364.405,"sentiment":"neutral","sentiment_score":0.066810450827082},{"text":"I'm setting '20 I'm setting 2033 as a normal a normal date, only because that brings me to ten years.","start":365.96002,"end":371.32,"sentiment":"neutral","sentiment_score":0.08667032234370708},{"text":"But, you know, if I can get myself to a financially secure position and give ourselves a reasonable lifestyle before that, then I'll I'll pull the pin earlier.","start":371.32,"end":379.74002,"sentiment":"neutral","sentiment_score":0.24948995560407639}],"sentiment":"neutral","sentiment_score":0.19649650914401845,"num_words":87,"start":350.545,"end":379.74002},{"sentences":[{"text":"But my my work is not is not I'm I'm an analyst, so I'm it's a pretty century job.","start":381.475,"end":387.95502,"sentiment":"neutral","sentiment_score":-0.047866110542887134},{"text":"It's, you know, you could you know, you just need brain power to do it.","start":387.95502,"end":390.67502,"sentiment":"neutral","sentiment_score":0.06944723725318909},{"text":"You don't really need to be you know, I'm not I'm not boarding ships and kicking down doors.","start":390.67502,"end":397.36,"sentiment":"neutral","sentiment_score":-0.1537926166007916},{"text":"So I don't I I can I can do this job forever, you know?","start":397.41998,"end":402.48,"sentiment":"negative","sentiment_score":-0.3781662439661367},{"text":"And and they don't you know, obviously, the government doesn't care how old I am, so long as I'm still doing it quick.","start":402.62,"end":408.56,"sentiment":"neutral","sentiment_score":-0.17734195255552945}],"sentiment":"neutral","sentiment_score":-0.1349349097149928,"num_words":89,"start":381.475,"end":408.56},{"sentences":[{"text":"So it's it's I'm in a I'm in a, you know, fortunate position where I can, you know, keep working and and and, you know, I've just gotta keep myself healthy, which which I am at the moment.","start":408.88498,"end":419.125,"sentiment":"positive","sentiment_score":0.41206487542704534},{"text":"That's what so I guess that they're all like they're all the issues.","start":419.125,"end":422.58002,"sentiment":"neutral","sentiment_score":-0.0016506034880876541},{"text":"And I just I just wondered whether, is there a is there a model that we can punch some numbers into and start running some modeling to see what all that looks like?","start":422.58002,"end":431.8,"sentiment":"neutral","sentiment_score":0.0703189183365215},{"text":"Go for it.","start":437.285,"end":438.005,"sentiment":"neutral","sentiment_score":0.09029213587443034},{"text":"Go for it.","start":438.005,"end":438.485,"sentiment":"neutral","sentiment_score":0.11901828398307164}],"sentiment":"neutral","sentiment_score":0.20650514428400332,"num_words":90,"start":408.88498,"end":438.485},{"sentences":[{"text":"You you ask the questions.","start":438.485,"end":440.105,"sentiment":"neutral","sentiment_score":0.0657559759914875},{"text":"That's right.","start":450.82,"end":451.56003,"sentiment":"neutral","sentiment_score":0.007902510929852724},{"text":"Yeah.","start":458.915,"end":459.23502,"sentiment":"neutral","sentiment_score":0.02315117046236992},{"text":"I mean, look, it it just brings me to ten year point.","start":459.23502,"end":462.035,"sentiment":"neutral","sentiment_score":0.04393192256490389},{"text":"As you know, look, I mean, long service only, what is it, three months pay?","start":462.035,"end":465.315,"sentiment":"neutral","sentiment_score":0.009280183166265488}],"sentiment":"neutral","sentiment_score":0.02954633973006691,"num_words":35,"start":438.485,"end":465.315},{"sentences":[{"text":"I mean, it's not a it's not a killer amount of money.","start":465.315,"end":468.45502,"sentiment":"neutral","sentiment_score":-0.09103984292596579},{"text":"But but, you know, it just gives me a a a date to to to shoot for.","start":469.475,"end":473.78,"sentiment":"neutral","sentiment_score":0.13844041175702038},{"text":"And, you know, as I said, if we can get if I can get myself to a financially secure position before then it gives ourselves a reasonable last fall, then then I'll I'll fail early.","start":473.78,"end":482.84,"sentiment":"neutral","sentiment_score":-0.05798344409891537},{"text":"We need to we need to to have about 6 and a half thousand dollars a month net to live off.","start":483.14,"end":494.125,"sentiment":"neutral","sentiment_score":-0.08252752519079617},{"text":"So you probably what what's that?","start":494.125,"end":495.565,"sentiment":"neutral","sentiment_score":-0.03254200518131256}],"sentiment":"neutral","sentiment_score":-0.029634524382405228,"num_words":91,"start":465.315,"end":495.565},{"sentences":[{"text":"$7,080,000 dollars a year.","start":495.565,"end":497.425,"sentiment":"neutral","sentiment_score":-0.0033870209008455285},{"text":"So, you know, it's yeah.","start":499.645,"end":504.13998,"sentiment":"neutral","sentiment_score":0.07133245915174484},{"text":"And my I mean, if I run my numbers, I go, okay.","start":505.72,"end":508.12,"sentiment":"neutral","sentiment_score":0.12207770223418872},{"text":"If I had 400,000 if if I had if I had it'd been $20.33, I don't make any additional contributions.","start":508.12,"end":517.865,"sentiment":"neutral","sentiment_score":-0.11648134496062994},{"text":"My super ends up being around about $200,000 or thereabouts.","start":518.08496,"end":521.385,"sentiment":"neutral","sentiment_score":0.09697633385658264}],"sentiment":"neutral","sentiment_score":0.008787903496447732,"num_words":51,"start":495.565,"end":521.385},{"sentences":[{"text":"You know, we top it up with a bit of cash, bring it up to $400,000.","start":523.365,"end":528.105,"sentiment":"neutral","sentiment_score":0.17275202926248312},{"text":"Then, you know, with that plus some cash investment, probably we're probably getting close.","start":530.92,"end":536.3,"sentiment":"neutral","sentiment_score":0.13027900297726905},{"text":"Ideally, I'd love to have $400,000 in super and get the age pension, then then we're then we're square.","start":539.8,"end":545.435,"sentiment":"neutral","sentiment_score":0.25007956827941696},{"text":"But but that's but but then I've got this other issue of that that's only gonna you know, I can only get to that 400 if I if I tap into this cash and that cash is gonna cause a problem with the age pension.","start":545.895,"end":557.175,"sentiment":"negative","sentiment_score":-0.50399455693033},{"text":"So, you know, we're probably gonna I I suspect we probably get we we can probably take the age pension out of the equation because I'm gonna we're gonna exceed that b dollar mark.","start":557.175,"end":566.49,"sentiment":"negative","sentiment_score":-0.3867041683372329}],"sentiment":"neutral","sentiment_score":-0.20693942561047152,"num_words":128,"start":523.365,"end":566.49},{"sentences":[{"text":"Yeah.","start":573.57495,"end":574.07495,"sentiment":"neutral","sentiment_score":0.015641501173377037},{"text":"Yep.","start":575.89496,"end":576.39496,"sentiment":"neutral","sentiment_score":0.0245771836489439},{"text":"It's a 1.8 bill, And we've got we started off the project at 1.5 in cash.","start":581.175,"end":591.27,"sentiment":"neutral","sentiment_score":0.026782880813698284},{"text":"And obviously, we've paid a bit out already on that.","start":591.64996,"end":594.55,"sentiment":"neutral","sentiment_score":-0.005745706195011734},{"text":"A deposit and so on.","start":597.01,"end":598.21,"sentiment":"neutral","sentiment_score":-0.026434556767344474}],"sentiment":"neutral","sentiment_score":0.008458028244080417,"num_words":33,"start":573.57495,"end":598.21},{"sentences":[{"text":"So I'm probably gonna have to take a modest mortgage of about 300 when once we're all up.","start":598.21,"end":605.065,"sentiment":"neutral","sentiment_score":-0.09422548198037678},{"text":"So to square it all away, which I don't think that's gonna be I don't think that's that's that's not an issue.","start":605.065,"end":612.25,"sentiment":"neutral","sentiment_score":-0.25763047859072685},{"text":"Because I'm, you know, I'm I'm I've got a reasonable pay, and and it's a very small loan against the equity in the in the property.","start":613.91003,"end":622.95,"sentiment":"neutral","sentiment_score":-0.27296521457342},{"text":"So I don't I don't foresee it being an issue.","start":622.95,"end":625.45,"sentiment":"negative","sentiment_score":-0.5129421502351761},{"text":"And we would we would seek to dispose of that as soon as we got some money.","start":626.995,"end":632.375,"sentiment":"neutral","sentiment_score":-0.28500988378244285}],"sentiment":"neutral","sentiment_score":-0.26274854096994604,"num_words":93,"start":598.21,"end":632.375},{"sentences":[{"text":"So my expectation is that within five years, we won't have that mortgage around.","start":634.115,"end":640.455,"sentiment":"neutral","sentiment_score":-0.2978526758296149},{"text":"I am.","start":646.59,"end":647.17004,"sentiment":"neutral","sentiment_score":-0.010417827405035496},{"text":"I am.","start":647.31,"end":651.15,"sentiment":"neutral","sentiment_score":0.060171160846948624},{"text":"My wife my wife doesn't work.","start":651.15,"end":652.59,"sentiment":"neutral","sentiment_score":-0.06677974698444207},{"text":"She's she's she's retired.","start":652.59,"end":654.13,"sentiment":"neutral","sentiment_score":-0.011269802926108241}],"sentiment":"neutral","sentiment_score":-0.16129244601220957,"num_words":28,"start":634.115,"end":654.13},{"sentences":[{"text":"Yep.","start":666.945,"end":667.445,"sentiment":"neutral","sentiment_score":0.005519285798072815},{"text":"100,000?","start":669.21,"end":669.85,"sentiment":"neutral","sentiment_score":0.001594387460500002},{"text":"Just over?","start":669.85,"end":670.59,"sentiment":"neutral","sentiment_score":-0.0036094242241233587},{"text":"That that's that number.","start":677.21,"end":678.51,"sentiment":"neutral","sentiment_score":-0.002388403907389147},{"text":"I think I think it's about a 102,000.","start":678.97,"end":681.615,"sentiment":"neutral","sentiment_score":-0.01222759101074189}],"sentiment":"neutral","sentiment_score":-0.00671746993157285,"num_words":16,"start":666.945,"end":681.615},{"sentences":[{"text":"They're about something like that.","start":681.615,"end":683.075,"sentiment":"neutral","sentiment_score":-0.014009942300617695},{"text":"And it'll it'll go up it'll go up in the next little while by about three or 4%.","start":683.535,"end":689.395,"sentiment":"neutral","sentiment_score":0.21694555050796932},{"text":"I'm I'm expecting that'll change within the next twelve months.","start":692.255,"end":697.31,"sentiment":"neutral","sentiment_score":0.04752323590219021},{"text":"It'll probably jump to about 115, but let's not let's not bank that.","start":697.31,"end":703.09,"sentiment":"neutral","sentiment_score":-0.010957436922651071},{"text":"Just leave it up for the moment.","start":703.15,"end":705.01,"sentiment":"neutral","sentiment_score":-0.036355823810611455}],"sentiment":"neutral","sentiment_score":0.07383519075459467,"num_words":53,"start":681.615,"end":705.01},{"sentences":[{"text":"Yep.","start":705.79004,"end":706.29004,"sentiment":"neutral","sentiment_score":0.05637672543525696},{"text":"They 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reasons.","start":736.135,"end":740.95496,"sentiment":"neutral","sentiment_score":-0.12182952410408429},{"text":"But other than that, no.","start":743.01495,"end":744.615,"sentiment":"neutral","sentiment_score":-0.1139442652463913}],"sentiment":"neutral","sentiment_score":-0.10937198154304338,"num_words":23,"start":731.29,"end":744.615},{"sentences":[{"text":"Nothing.","start":744.615,"end":745.115,"sentiment":"neutral","sentiment_score":-0.09657342731952669},{"text":"Yeah.","start":748.135,"end":748.635,"sentiment":"neutral","sentiment_score":0.003322174772620201},{"text":"Yeah.","start":749.4,"end":749.9,"sentiment":"neutral","sentiment_score":0.0855269804596901},{"text":"Yep.","start":759.88,"end":760.38,"sentiment":"neutral","sentiment_score":-0.0031020320020616055},{"text":"That's that's it.","start":761.64,"end":762.975,"sentiment":"neutral","sentiment_score":-0.00896982429549098}],"sentiment":"neutral","sentiment_score":-0.005390825282250134,"num_words":7,"start":744.615,"end":762.975},{"sentences":[{"text":"That's it.","start":764.735,"end":765.475,"sentiment":"neutral","sentiment_score":0.005557003663852811},{"text":"Oh, you got a car.","start":766.975,"end":768.19495,"sentiment":"neutral","sentiment_score":0.008758613280951977},{"text":"Yeah.","start":768.57495,"end":768.975,"sentiment":"neutral","sentiment_score":-0.008344871923327446},{"text":"It's a car.","start":768.975,"end":769.08167,"sentiment":"neutral","sentiment_score":0.05110974982380867},{"text":"It's a car.","start":769.08167,"end":769.63495,"sentiment":"neutral","sentiment_score":0.05866979931791624}],"sentiment":"neutral","sentiment_score":0.02685006065959377,"num_words":14,"start":764.735,"end":769.63495},{"sentences":[{"text":"That's I don't know how far that's 50 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share.","start":858.225,"end":864.27,"sentiment":"neutral","sentiment_score":0.020418845986326536},{"text":"So so it's just it's just gonna come as as the the estate will pay the tax.","start":864.27,"end":872.805,"sentiment":"neutral","sentiment_score":0.0011035566601683112}],"sentiment":"neutral","sentiment_score":-0.00556365910144347,"num_words":53,"start":836.94,"end":872.805},{"sentences":[{"text":"It'll come it'll come tax the estate will pay the tax on on that benefit.","start":872.96497,"end":879.145,"sentiment":"neutral","sentiment_score":-0.005721087753772736},{"text":"Yeah.","start":879.925,"end":880.425,"sentiment":"neutral","sentiment_score":0.06882302463054657},{"text":"Yeah.","start":882.245,"end":882.745,"sentiment":"neutral","sentiment_score":0.015018168836832048},{"text":"That's right.","start":889.39,"end":893.33,"sentiment":"neutral","sentiment_score":0.1910012662410736},{"text":"Yeah.","start":910.09503,"end":910.59503,"sentiment":"neutral","sentiment_score":0.15179647505283356}],"sentiment":"neutral","sentiment_score":0.026591194234788416,"num_words":20,"start":872.96497,"end":910.59503},{"sentences":[{"text":"Yeah.","start":928.67004,"end":929.115,"sentiment":"positive","sentiment_score":0.5101006031036377},{"text":"Benefits.","start":939.195,"end":939.695,"sentiment":"positive","sentiment_score":0.4149090647697449},{"text":"Yeah.","start":941.595,"end":941.755,"sentiment":"neutral","sentiment_score":0.2243458777666092},{"text":"Yeah.","start":941.755,"end":942.21,"sentiment":"neutral","sentiment_score":0.21104414761066437},{"text":"No.","start":962.28503,"end":962.78503,"sentiment":"neutral","sentiment_score":-0.1468208134174347}],"sentiment":"neutral","sentiment_score":0.2427157759666443,"num_words":5,"start":928.67004,"end":962.78503},{"sentences":[{"text":"That's right.","start":963.885,"end":964.525,"sentiment":"neutral","sentiment_score":0.05443480797111988},{"text":"That's it it it would be it I I'd I'd be interested to know that if if if and when it landed, what do we do with it?","start":964.525,"end":974.27,"sentiment":"neutral","sentiment_score":-0.019716422206589153},{"text":"Would would probably be my question.","start":974.27,"end":976.85,"sentiment":"neutral","sentiment_score":-0.05929080086449782},{"text":"And then even I mean, at the moment, I think I can I can put money in a super and take it straight out again?","start":979.79,"end":985.605,"sentiment":"neutral","sentiment_score":-0.04650951862335205},{"text":"So whether whether super is still the the right vehicle or whether we should be doing something else.","start":987.285,"end":992.485,"sentiment":"neutral","sentiment_score":-0.16409982409742144}],"sentiment":"neutral","sentiment_score":-0.06222113684008393,"num_words":79,"start":963.885,"end":992.485},{"sentences":[{"text":"I mean, I I don't know.","start":992.485,"end":993.845,"sentiment":"neutral","sentiment_score":-0.13259504735469818},{"text":"These are all questions that I had.","start":993.845,"end":999.3,"sentiment":"neutral","sentiment_score":-0.03370720547224794},{"text":"And and right now, I'm looking at it going, you know, I could probably double my contributions at the moment.","start":999.3,"end":1004.12,"sentiment":"neutral","sentiment_score":0.049694102443754676},{"text":"Mhmm.","start":1004.89996,"end":1005.38,"sentiment":"neutral","sentiment_score":0.0951012447476387},{"text":"And that would have us well, based on what I can see, that would have a significant impact on on where we'd be by 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mean?","start":1042.6549,"end":1043.875,"sentiment":"neutral","sentiment_score":-0.10598963312804699}],"sentiment":"neutral","sentiment_score":-0.036606332623503275,"num_words":9,"start":1018.435,"end":1043.875},{"sentences":[{"text":"Yeah.","start":1045.455,"end":1045.955,"sentiment":"neutral","sentiment_score":-0.038705237209796906},{"text":"That's okay.","start":1050.495,"end":1051.315,"sentiment":"neutral","sentiment_score":0.10083862021565437},{"text":"I'm not I'm I'm okay with that.","start":1051.73,"end":1053.3301,"sentiment":"neutral","sentiment_score":-0.10477557352610997},{"text":"Just don't don't don't don't don't don't don't don't don't expose me financially.","start":1053.3301,"end":1057.91,"sentiment":"negative","sentiment_score":-0.39210465435798353},{"text":"I'll I'll lose my security 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run up.","start":1215.355,"end":1216.26,"sentiment":"neutral","sentiment_score":0.007709053345024586},{"text":"Yeah.","start":1231.3,"end":1231.695,"sentiment":"neutral","sentiment_score":0.023635506629943848},{"text":"Jesus.","start":1233.375,"end":1233.875,"sentiment":"neutral","sentiment_score":-0.010933242738246918}],"sentiment":"neutral","sentiment_score":0.0593585285491177,"num_words":7,"start":1206.7949,"end":1233.875},{"sentences":[{"text":"It cost me it cost me a fortune this far this this this this far.","start":1237.695,"end":1241.875,"sentiment":"neutral","sentiment_score":-0.1941745807727178},{"text":"Yeah.","start":1244.575,"end":1244.815,"sentiment":"neutral","sentiment_score":0.028394736349582672},{"text":"We could we could share it 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can just so I can understand what you just said, I can sacrifice a chunk of money into the super fund and I can draw it out right away at 15%.","start":1559.4099,"end":1572.105,"sentiment":"neutral","sentiment_score":-0.009577490107128115},{"text":"Yep.","start":1580.01,"end":1580.25,"sentiment":"neutral","sentiment_score":0.2012104094028473}],"sentiment":"neutral","sentiment_score":-0.0017994770629180443,"num_words":37,"start":1500.74,"end":1580.25},{"sentences":[{"text":"It's expert.","start":1580.25,"end":1580.9701,"sentiment":"neutral","sentiment_score":0.2736479267477989},{"text":"But I can pull it at any time because I'm 68.","start":1580.9701,"end":1583.2101,"sentiment":"neutral","sentiment_score":0.28172987699508667},{"text":"Right?","start":1583.2101,"end":1583.7101,"sentiment":"neutral","sentiment_score":0.1610521674156189},{"text":"Well, that's a nice tax saving.","start":1587.8501,"end":1589.205,"sentiment":"positive","sentiment_score":0.7155982951323191},{"text":"I have 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behind.","start":1848.5251,"end":1852.405,"sentiment":"neutral","sentiment_score":-0.3213055663638645}],"sentiment":"neutral","sentiment_score":-0.1560491354841935,"num_words":38,"start":1815.91,"end":1852.405},{"sentences":[{"text":"We always said we're on behind.","start":1852.405,"end":1853.7051,"sentiment":"neutral","sentiment_score":-0.2983487943808238},{"text":"Always.","start":1854.245,"end":1854.745,"sentiment":"neutral","sentiment_score":-0.17784392833709717},{"text":"No I'm not I I got it.","start":1871.3301,"end":1878.565,"sentiment":"neutral","sentiment_score":-0.1402589279626097},{"text":"I could I could talk to you about that and say, what what's the value of doing this?","start":1878.565,"end":1882.005,"sentiment":"neutral","sentiment_score":0.007985383129885627},{"text":"How fast can you turn 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too easy.","start":2133.5352,"end":2134.26,"sentiment":"neutral","sentiment_score":-0.1423603594303131},{"text":"Yep.","start":2153.965,"end":2154.465,"sentiment":"neutral","sentiment_score":0.03887620568275452},{"text":"Yep.","start":2163.8298,"end":2164.3298,"sentiment":"neutral","sentiment_score":-0.023035302758216854}],"sentiment":"neutral","sentiment_score":-0.022995779556887492,"num_words":7,"start":2126.0952,"end":2164.3298},{"sentences":[{"text":"Yep.","start":2174.045,"end":2174.545,"sentiment":"neutral","sentiment_score":-0.03926590085029602},{"text":"Okay.","start":2195.16,"end":2195.66,"sentiment":"neutral","sentiment_score":0.051506102085113525},{"text":"Got it.","start":2195.96,"end":2196.7,"sentiment":"neutral","sentiment_score":0.0788322202861309},{"text":"Can I just quickly backtrack to one thing you said?","start":2208.865,"end":2211.765,"sentiment":"neutral","sentiment_score":-0.0026510125026106834},{"text":"So with with my current salary, if we didn't put a lump a big lump lump of money in to soak up all of those backdated contributions, But rather just increased substantially my salary sacrifice.","start":2211.905,"end":2235.2349,"sentiment":"neutral","sentiment_score":0.016699157655239105}],"sentiment":"neutral","sentiment_score":0.014854388463557983,"num_words":49,"start":2174.045,"end":2235.2349},{"sentences":[{"text":"That that's a significant tax saving by doing that.","start":2238.4949,"end":2241.18,"sentiment":"positive","sentiment_score":0.6310101283921136},{"text":"I can put it into the pull it out of the super at a lower rate and get it and just take the tax benefit.","start":2243.8198,"end":2250.14,"sentiment":"positive","sentiment_score":0.3615562081336975},{"text":"Right?","start":2250.14,"end":2250.64,"sentiment":"neutral","sentiment_score":0.18077148497104645},{"text":"Yeah.","start":2263.075,"end":2263.315,"sentiment":"neutral","sentiment_score":-0.1294557750225067},{"text":"No.","start":2263.315,"end":2263.815,"sentiment":"neutral","sentiment_score":-0.29571303725242615}],"sentiment":"positive","sentiment_score":0.391178352204529,"num_words":37,"start":2238.4949,"end":2263.815},{"sentences":[{"text":"And that's that's important.","start":2266.435,"end":2267.815,"sentiment":"neutral","sentiment_score":-0.16089998558163643},{"text":"The the the the the money we've got in Police Bank, that's there's a million sitting in that.","start":2267.875,"end":2272.435,"sentiment":"neutral","sentiment_score":-0.13824175753527218},{"text":"That's that's rolled over on a term deposit in April.","start":2272.435,"end":2278.98,"sentiment":"neutral","sentiment_score":-0.12411440908908844},{"text":"So it's not gonna should there be a no.","start":2279.04,"end":2283.06,"sentiment":"neutral","sentiment_score":-0.20532973772949642},{"text":"No.","start":2283.2,"end":2283.7,"sentiment":"neutral","sentiment_score":-0.15222853422164917}],"sentiment":"neutral","sentiment_score":-0.15174504387236776,"num_words":42,"start":2266.435,"end":2283.7},{"sentences":[{"text":"The stuff with Latrobe is a chunk of money that's about to come out.","start":2284.32,"end":2288.835,"sentiment":"neutral","sentiment_score":-0.15015344907130515},{"text":"I can't remember the date.","start":2288.835,"end":2290.115,"sentiment":"neutral","sentiment_score":-0.12692119181156158},{"text":"My wife just walked in.","start":2290.115,"end":2291.075,"sentiment":"neutral","sentiment_score":-0.04788084886968136},{"text":"Linda, do you remember when that when that next rollover date is on Latrobe?","start":2291.075,"end":2295.095,"sentiment":"neutral","sentiment_score":-0.039357250556349754},{"text":"Is this June?","start":2296.355,"end":2297.8152,"sentiment":"neutral","sentiment_score":-0.033445301155249275}],"sentiment":"neutral","sentiment_score":-0.08847550979656417,"num_words":41,"start":2284.32,"end":2297.8152},{"sentences":[{"text":"Okay.","start":2302.91,"end":2303.15,"sentiment":"neutral","sentiment_score":-0.012394522316753864},{"text":"It's this month.","start":2303.15,"end":2304.05,"sentiment":"neutral","sentiment_score":-0.02323579415678978},{"text":"I'll check it.","start":2304.43,"end":2305.31,"sentiment":"neutral","sentiment_score":0.0019599011478324733},{"text":"I'll check it.","start":2305.31,"end":2305.95,"sentiment":"neutral","sentiment_score":0.005598035330573718},{"text":"I think there is a some money that's about to roll out of Latrobe.","start":2305.95,"end":2310.61,"sentiment":"neutral","sentiment_score":-0.011391387121485812}],"sentiment":"neutral","sentiment_score":-0.009121146460529417,"num_words":24,"start":2302.91,"end":2310.61},{"sentences":[{"text":"Yeah.","start":2311.325,"end":2311.7249,"sentiment":"neutral","sentiment_score":0.0683199018239975},{"text":"So that might be an opportunity.","start":2311.7249,"end":2313.1848,"sentiment":"neutral","sentiment_score":0.1261681765317917},{"text":"I'll have a look at that.","start":2313.325,"end":2314.545,"sentiment":"neutral","sentiment_score":0.0632256039728721},{"text":"Yeah.","start":2319.885,"end":2320.2048,"sentiment":"neutral","sentiment_score":0.030459417030215263},{"text":"He together.","start":2320.2048,"end":2321.4849,"sentiment":"neutral","sentiment_score":0.03200080990791321}],"sentiment":"neutral","sentiment_score":0.08119647635612637,"num_words":16,"start":2311.325,"end":2321.4849},{"sentences":[{"text":"I should be able to get I should be able to find that pretty I'll just log on and look.","start":2321.4849,"end":2325.265,"sentiment":"neutral","sentiment_score":0.06852915985509753},{"text":"Yep.","start":2339.4,"end":2339.9,"sentiment":"neutral","sentiment_score":-0.05003553256392479},{"text":"Yeah.","start":2354.5452,"end":2355.0452,"sentiment":"neutral","sentiment_score":0.00406305119395256},{"text":"Yep.","start":2363.09,"end":2363.57,"sentiment":"neutral","sentiment_score":0.18150238692760468},{"text":"You can go back five years.","start":2363.57,"end":2365.09,"sentiment":"neutral","sentiment_score":0.04354036568353573}],"sentiment":"neutral","sentiment_score":0.06094328609519992,"num_words":29,"start":2321.4849,"end":2365.09},{"sentences":[{"text":"Is it is it five years, Larissa?","start":2365.09,"end":2366.85,"sentiment":"neutral","sentiment_score":0.04268316924571991},{"text":"You can go back?","start":2366.85,"end":2367.9102,"sentiment":"neutral","sentiment_score":0.07202283293008804},{"text":"Yeah.","start":2368.37,"end":2368.87,"sentiment":"neutral","sentiment_score":0.06881441920995712},{"text":"Five years.","start":2369.09,"end":2369.8901,"sentiment":"neutral","sentiment_score":0.05077071860432625},{"text":"Yeah.","start":2369.8901,"end":2370.3901,"sentiment":"neutral","sentiment_score":0.08199802786111832}],"sentiment":"neutral","sentiment_score":0.0559484933813413,"num_words":15,"start":2365.09,"end":2370.3901},{"sentences":[{"text":"It's that it looks the five years, it it what would it be?","start":2370.495,"end":2382.655,"sentiment":"neutral","sentiment_score":-0.07367888551491958},{"text":"About $25 a year average.","start":2382.655,"end":2384.2551,"sentiment":"neutral","sentiment_score":-0.05065130591392517},{"text":"Right?","start":2384.2551,"end":2384.735,"sentiment":"neutral","sentiment_score":-0.03247157856822014},{"text":"So $20 or something?","start":2384.735,"end":2391.8398,"sentiment":"neutral","sentiment_score":-0.0814800038933754},{"text":"That we get that Yeah.","start":2391.9,"end":2393.68,"sentiment":"neutral","sentiment_score":-0.03852141797542572}],"sentiment":"neutral","sentiment_score":-0.06293145447437253,"num_words":28,"start":2370.495,"end":2393.68},{"sentences":[{"text":"Okay.","start":2394.14,"end":2394.64,"sentiment":"neutral","sentiment_score":0.04148790240287781},{"text":"Oh, yeah.","start":2405.645,"end":2406.125,"sentiment":"neutral","sentiment_score":0.06944814138114452},{"text":"Cool.","start":2406.125,"end":2406.625,"sentiment":"neutral","sentiment_score":0.2781897485256195},{"text":"Okay.","start":2407.165,"end":2407.665,"sentiment":"neutral","sentiment_score":0.12908226251602173},{"text":"Okay.","start":2410.045,"end":2410.545,"sentiment":"neutral","sentiment_score":0.14748340845108032}],"sentiment":"neutral","sentiment_score":0.1225232674429814,"num_words":6,"start":2394.14,"end":2410.545},{"sentences":[{"text":"And that's what work.","start":2414.17,"end":2414.97,"sentiment":"neutral","sentiment_score":0.26724848523736},{"text":"Yeah.","start":2414.97,"end":2415.47,"sentiment":"neutral","sentiment_score":0.2136763781309128},{"text":"I'm I'd I'd like to go ahead and and get that done.","start":2415.73,"end":2419.69,"sentiment":"neutral","sentiment_score":0.1988956139733394},{"text":"I'm sorry.","start":2419.69,"end":2420.0898,"sentiment":"neutral","sentiment_score":-0.22625300288200378},{"text":"It'll load more work on you at this time of year.","start":2420.0898,"end":2422.3499,"sentiment":"neutral","sentiment_score":-0.2484729357741096}],"sentiment":"neutral","sentiment_score":0.016123646249373753,"num_words":30,"start":2414.17,"end":2422.3499},{"sentences":[{"text":"But that'd be that'd be good.","start":2426.105,"end":2429.1648,"sentiment":"neutral","sentiment_score":0.2824794054031372},{"text":"Just can you give me an understanding of your fees and how they and how they work?","start":2430.585,"end":2435.4048,"sentiment":"neutral","sentiment_score":-0.0031025736209224254},{"text":"Yep.","start":2453.76,"end":2454.015,"sentiment":"neutral","sentiment_score":-0.004954669624567032},{"text":"Yep.","start":2495.885,"end":2496.385,"sentiment":"positive","sentiment_score":0.3532981276512146},{"text":"So so initially, for this advice you're about I'm asking you to provide, is that $1,500 or or is that a calculation of the amount of money we're talking about?","start":2497.005,"end":2508.52,"sentiment":"neutral","sentiment_score":0.048136379259328045}],"sentiment":"neutral","sentiment_score":0.06244668212126602,"num_words":55,"start":2426.105,"end":2508.52},{"sentences":[{"text":"Okay.","start":2511.7,"end":2512.2,"sentiment":"neutral","sentiment_score":0.07871103286743164},{"text":"Okay.","start":2513.1401,"end":2513.6401,"sentiment":"neutral","sentiment_score":0.09568969160318376},{"text":"Yep.","start":2515.925,"end":2516.425,"sentiment":"neutral","sentiment_score":0.12706181406974792},{"text":"Yep.","start":2525.445,"end":2525.945,"sentiment":"neutral","sentiment_score":0.20072585344314575},{"text":"Yeah.","start":2547.575,"end":2548.075,"sentiment":"neutral","sentiment_score":0.09153469651937483}],"sentiment":"neutral","sentiment_score":0.11874461770057679,"num_words":5,"start":2511.7,"end":2548.075},{"sentences":[{"text":"Yes.","start":2565.7551,"end":2566.2551,"sentiment":"neutral","sentiment_score":0.16066642105579376},{"text":"Yeah.","start":2572.155,"end":2572.655,"sentiment":"positive","sentiment_score":0.4221240282058716},{"text":"Yeah.","start":2579.915,"end":2580.3,"sentiment":"positive","sentiment_score":0.3816372752189636},{"text":"Okay.","start":2593.9001,"end":2594.4001,"sentiment":"neutral","sentiment_score":0.13650548458099365},{"text":"No.","start":2596.385,"end":2596.545,"sentiment":"neutral","sentiment_score":-0.24455022811889648}],"sentiment":"neutral","sentiment_score":0.17127659618854524,"num_words":5,"start":2565.7551,"end":2596.545},{"sentences":[{"text":"That's cool.","start":2596.545,"end":2597.605,"sentiment":"neutral","sentiment_score":-0.07955802977085114},{"text":"What I do notice, Larissa, not wanting to inflate the issue or inflate the issue.","start":2599.9849,"end":2608.005,"sentiment":"neutral","sentiment_score":-0.2690376033385595},{"text":"I am able to salary sacrifice these fees.","start":2609.19,"end":2612.57,"sentiment":"neutral","sentiment_score":0.1879866188392043},{"text":"So that's interesting.","start":2612.95,"end":2614.25,"sentiment":"neutral","sentiment_score":0.171585942308108},{"text":"Yeah.","start":2618.63,"end":2619.13,"sentiment":"neutral","sentiment_score":0.17710359394550323}],"sentiment":"neutral","sentiment_score":-0.06892847372540112,"num_words":29,"start":2596.545,"end":2619.13},{"sentences":[{"text":"So we can we can set that up as part of this arrangement.","start":2619.51,"end":2622.33,"sentiment":"neutral","sentiment_score":0.2682490853162912},{"text":"Alright.","start":2624.895,"end":2625.375,"sentiment":"neutral","sentiment_score":0.1705794334411621},{"text":"Do you wanna send me an email with what you need?","start":2625.375,"end":2627.955,"sentiment":"neutral","sentiment_score":0.16079652444882828},{"text":"And I'll very quickly pull that together.","start":2629.7751,"end":2632.7551,"sentiment":"neutral","sentiment_score":0.1779531410762242},{"text":"That's it.","start":2638.47,"end":2645.6099,"sentiment":"neutral","sentiment_score":0.07113063149154186}],"sentiment":"neutral","sentiment_score":0.20042684005902095,"num_words":34,"start":2619.51,"end":2645.6099},{"sentences":[{"text":"Perfect, Marissa.","start":2651.83,"end":2652.63,"sentiment":"positive","sentiment_score":0.7340986430644989},{"text":"Thank you.","start":2652.63,"end":2653.245,"sentiment":"positive","sentiment_score":0.759954184293747},{"text":"Great.","start":2662.6052,"end":2663.0051,"sentiment":"positive","sentiment_score":0.6541458368301392},{"text":"That's true.","start":2663.0051,"end":2664.0652,"sentiment":"positive","sentiment_score":0.35122987627983093},{"text":"Thanks for your time.","start":2667.405,"end":2668.3652,"sentiment":"positive","sentiment_score":0.7537389695644379}],"sentiment":"positive","sentiment_score":0.6690606474876404,"num_words":11,"start":2651.83,"end":2668.3652},{"sentences":[{"text":"Appreciate it.","start":2668.3652,"end":2669.13,"sentiment":"positive","sentiment_score":0.7439057230949402},{"text":"It.","start":2669.13,"end":2669.63,"sentiment":"positive","sentiment_score":0.4024066329002381}],"sentiment":"positive","sentiment_score":0.6300726930300394,"num_words":3,"start":2668.3652,"end":2669.63}]}}]}],"paragraphs":{"transcript":"\nChannel 1: My boss.\n\nChannel 0: Hi, Mark. It's Larissa from Oakview Financial. How are you going?\n\nChannel 1: I'm well. Sorry. I didn't quite get to the phone in time. Right\n\nChannel 0: No. That's okay. I I always have a rule of thumb. I wait a couple of minutes and then give a quick call because I\n\nChannel 1: then.\n\nChannel 0: understand that mad dash.\n\nChannel 1: That's alright. I was in the middle of doing something. So that's all good. How are you?\n\nChannel 0: Very well. Thank you. How are you?\n\nChannel 1: Good. Not bad.\n\nChannel 0: That's good. So to introduce myself, I'm the head of financial advice here at o two Financial,\n\nChannel 1: Yep.\n\nChannel 0: And my whole role is as a financial planner is to basically during a conversation like this is to meet and get an understanding as to where you're sitting, what's going on with life, and, ultimately, what goals, short and long term, you have planned for yourself so we can achieve those.\n\nChannel 1: Yep.\n\nChannel 0: Now, I guess, before I do jump into it, I do wanna let you know that our calls are recorded, if that's okay.\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Yeah. Cool. So I think the best way that I I like starting these meetings is to just get you to tell me about yourself and where where you\n\nChannel 1: Sure.\n\nChannel 0: sit\n\nChannel 1: Okay.\n\nChannel 0: and go\n\nChannel 1: So\n\nChannel 0: from there.\n\nChannel 1: so there is a first of all, thanks for setting up this time. I\n\nChannel 0: It's okay.\n\nChannel 1: appreciate it and being flexible around the timing. Let me just give you the the background of of of why we're here. Louis, I'm 68 years old,\n\nChannel 0: Yep.\n\nChannel 1: Had a corporate career in food and beverage manufacturing. Then went into small business and then eventually had my own business for about eight or nine years. Came out of that in 2017. It's been solving work for a few years, and I've just reinvented myself into a a new role in the public service.\n\nChannel 0: Yep.\n\nChannel 1: The issue I have is that sorry. And that that role now is with the Department of Health Affairs and\n\nChannel 0: Yep.\n\nChannel 1: the Australian Border Force. So and I've been in that role now for about four years. So I have no intention of stopping working, and you'll probably see why in a moment.\n\nChannel 0: Yeah.\n\nChannel 1: Over the years of running my so so I lived through a period in my career where superannuation wasn't really a thing. Right?\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Correct.\n\nChannel 1: there are a lot of my years that that there was no no such thing as superannuation until I came in in the late, I don't know, late eighties,\n\nChannel 0: Nineties.\n\nChannel 1: I guess.\n\nChannel 0: Yeah.\n\nChannel 1: Late\n\nChannel 0: Not\n\nChannel 1: nineties.\n\nChannel 0: early\n\nChannel 1: Yeah. That\n\nChannel 0: early nineties, it became mandatory, but\n\nChannel 1: early nineties.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. It it started. So by then, I was kind of well well through my corporate career and punching out the other side. So I ended up starting my business, and I think I had about a $150,000 in super. Running my small biz my my business and not being able to make any contributions and watching my life insurances gobble up all my superannuation.\n\nChannel 0: Yeah.\n\nChannel 1: I pretty much I pretty much got to the point where I I had zero balance. So so superannuation just is not part of the part of the equation at all.\n\nChannel 0: Yep.\n\nChannel 1: So so I'm now in a in a role, obviously, where I get I get paid every fortnight and 15% superannuation goes into an account. And that's and that's and that's having a moment. So I think, you know, I think the last time I looked there was about $3,540,000 dollars sitting in that account. So, you know, pretty much by the rule. So\n\nChannel 0: Yeah.\n\nChannel 1: we we recently moved to the Northern Rivers from Sydney. Sold our home down in Sydney. Moved up moved up here and we're now in Yamba. And we're building a place here in Yamba. And that should be finished in about twelve months time.\n\nChannel 0: Mhmm.\n\nChannel 1: So what I'm doing and and what why I'm having this call is because pretty it's, you know, pretty pretty simple to understand my position. But what I'm what I'm interested in is understanding, you know, I I can run the spreadsheet. So I've I've run my spreadsheet.\n\nChannel 0: Yeah.\n\nChannel 1: But there's there's no guarantee that it's accurate. Obviously, this is not my area of expertise. So I've run my spreadsheet and I've said, look, I think I I'd like to be able to get to ten years work, which brings me to 2033. So the key key for me is to keep myself fit and healthy so I can get to that point. When I get to that point, I'm gonna have about 200,000 in super is my guess looking at it.\n\nWhat I'm interested in is understanding, I guess, a few things. One is what's the relationship between my superannuation, the age pension, and how's that all kind of roll out? And then also understanding whether where where I can make lump sum contributions. We are looking down the barrel sometime in the next five years of probably getting a a chunk of money. And I I guess I'm trying to understand what the impact of that will be and where I best put that when we do get it.\n\nAnd we're probably talking around about probably about a million dollars. But some of that will go to pay off a a modest mortgage and and the rest will essentially be our future living. And then also understanding whether I can make some additional contributions now and what that looks like if I started doing that now. And, you know, we push ourselves out to that 2033. What does it then look like?\n\nI'm\n\nChannel 0: Okay.\n\nChannel 1: setting '20 I'm setting 2033 as a normal a normal date, only because that brings me to ten years. But, you\n\nChannel 0: Yes.\n\nChannel 1: know, if I can get myself to a financially secure position and give ourselves a reasonable lifestyle before that, then I'll I'll pull the pin earlier. But my my work is not is not I'm I'm an analyst, so I'm it's a pretty century job. It's, you know, you could you know, you just need brain power to do it. You don't really need to be you know, I'm not I'm not boarding ships and kicking down doors. So\n\nChannel 0: Yep.\n\nChannel 1: I don't I I can I can do this job forever, you know? And and they don't you know, obviously, the government doesn't care how old I am, so long as I'm\n\nChannel 0: Yeah.\n\nChannel 1: still doing it quick. So it's it's I'm in a I'm in a, you know, fortunate position where I can, you know, keep working and and and, you know, I've just gotta keep myself healthy, which which I am at the moment. That's what\n\nChannel 0: Okay.\n\nChannel 1: so I guess that they're all like they're all the issues. And I just I just wondered whether, is there a is there a model that we can punch some numbers into and start running some modeling to see what all that looks like?\n\nChannel 0: Yes. So there there definitely is. There's a little bit more information I need to be able to do\n\nChannel 1: Go\n\nChannel 0: said\n\nChannel 1: for\n\nChannel 0: said\n\nChannel 1: it. Go\n\nChannel 0: modeling,\n\nChannel 1: for it. You\n\nChannel 0: but\n\nChannel 1: you ask the questions.\n\nChannel 0: but you've done very well to summarize everything. Okay. So you said four years currently is what you've been employed in the public sector.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: right.\n\nChannel 0: another six years would put you to, basically, your long service leave, which I assume is what you what you're referencing with regards to a payout.\n\nChannel 1: Yeah. I mean, look, it it just brings me to ten year point. As you know, look,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, long service only, what is it, three months pay? I mean, it's not a it's not a killer amount of money. But but, you know, it just gives me a a a date to to to shoot for. And,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: you know, as I said, if we can get if I can get myself to a financially secure position before then it gives ourselves a reasonable last fall, then then I'll I'll fail early. We need to we need to to have about 6 and a half thousand dollars a month net to live\n\nChannel 0: Okay. That gives me a bit more. 6 and a\n\nChannel 1: off. So\n\nChannel 0: half\n\nChannel 1: you probably\n\nChannel 0: thousand.\n\nChannel 1: what what's that? $7,080,000 dollars a year.\n\nChannel 0: Yep.\n\nChannel 1: So, you know, it's yeah.\n\nChannel 0: Okay.\n\nChannel 1: And\n\nChannel 0: Perfect.\n\nChannel 1: my I mean, if I run my numbers, I go, okay. If I had 400,000 if if I had if I had it'd been $20.33, I don't make any additional contributions. My super ends up being around about $200,000 or thereabouts. You know, we top it up with a bit of cash, bring it up to $400,000. Then, you know, with that plus some cash investment, probably we're probably getting close.\n\nChannel 0: Yep.\n\nChannel 1: Ideally, I'd love to have $400,000 in super and get the age pension, then then we're then we're square. But\n\nChannel 0: Yeah.\n\nChannel 1: but that's but but then I've got this other issue of that that's only gonna you know, I can only get to that 400 if I if I tap into this cash and that cash is gonna cause a problem with the age pension. So, you know, we're probably gonna I I suspect we probably get we we can probably take the age pension out of the equation because I'm gonna we're gonna exceed that b dollar mark.\n\nChannel 0: Possibly. So okay. So let's let's let's do it this way. You said you're currently down in Yambo\n\nChannel 1: Yeah.\n\nChannel 0: build building a home. So what\n\nChannel 1: Yep.\n\nChannel 0: is what's the value of the home when we're finished building? Go ahead.\n\nChannel 1: It's a 1.8 bill, And we've got we started off the project at 1.5 in cash. And obviously, we've paid a bit out already on that.\n\nChannel 0: Yep.\n\nChannel 1: A deposit and so on. So I'm probably gonna have to take a modest mortgage of about 300 when once we're all up. So\n\nChannel 0: Okay.\n\nChannel 1: to square it all away, which I don't think that's gonna be I don't think that's that's that's not an issue.\n\nChannel 0: No.\n\nChannel 1: Because I'm, you know, I'm I'm I've got a reasonable pay, and and it's a very small loan against the equity in the in the property. So I don't I don't foresee it being an issue.\n\nChannel 0: Yeah.\n\nChannel 1: And we would we would seek to dispose of that as soon as we got some money. So my expectation is that within five years, we won't have that mortgage around.\n\nChannel 0: Yeah. Oh, that's okay. Cool. So you reference we. I'm assuming you are married or partnered?\n\nChannel 1: I am. I\n\nChannel 0: Oh, okay. Perfect. No. That's okay.\n\nChannel 1: am.\n\nChannel 0: Alright.\n\nChannel 1: My\n\nChannel 0: So\n\nChannel 1: wife my wife doesn't work. She's she's she's retired.\n\nChannel 0: perfect. No. That's okay. So let's go this way and slow it down and and take a a bit of a step back. So occupation wise, you're an analyst, Department of Home Affairs, Border Force, income\n\nChannel 1: Yep.\n\nChannel 0: that you currently receive from them?\n\nChannel 1: 100,000? Just over?\n\nChannel 0: Do you know what your gross annual is?\n\nChannel 1: That that's that number.\n\nChannel 0: Oh, it's\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: think\n\nChannel 0: it's a 100?\n\nChannel 1: I think it's about a 102,000. They're about\n\nChannel 0: Okay.\n\nChannel 1: something like that.\n\nChannel 0: Mhmm. That's\n\nChannel 1: And\n\nChannel 0: perfect.\n\nChannel 1: it'll it'll go up it'll go up in the next little while by about three or 4%. I'm I'm expecting that'll change within the next twelve months. It'll probably jump to about 115, but let's not let's not bank that. Just\n\nChannel 0: No.\n\nChannel 1: leave it\n\nChannel 0: That's\n\nChannel 1: up\n\nChannel 0: a\n\nChannel 1: for the\n\nChannel 0: 100\n\nChannel 1: moment.\n\nChannel 0: and two. No. That's\n\nChannel 1: Yep.\n\nChannel 0: okay. Perfect. And you stated that your employer pays 15%.\n\nChannel 1: They do.\n\nChannel 0: Super guarantee. Perfect.\n\nChannel 1: They\n\nChannel 0: Are we currently salary sacrificing or have any additional contribution arrangements?\n\nChannel 1: do. No. We don't, but that's part of my query.\n\nChannel 0: Yep. No. That's okay. Just wanted to double check whether we did. Okay.\n\nAnd then you said your wife doesn't work.\n\nChannel 1: That's\n\nChannel 0: Is\n\nChannel 1: right.\n\nChannel 0: in receipt of any benefits? Nope.\n\nChannel 1: No. No. All all of all of our money's in her name, obviously, for obvious reasons. But other than that, no. Nothing.\n\nChannel 0: Yeah. Yeah. Like, all the bank accounts and stuff are are\n\nChannel 1: Yeah.\n\nChannel 0: held by her. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: A lot cheaper when it comes to tax. Out outside of the PPR that we're building or the primary place of residence that we're building, what other\n\nChannel 1: Yep.\n\nChannel 0: assets do we currently hold?\n\nChannel 1: That's that's it.\n\nChannel 0: K.\n\nChannel 1: That's it.\n\nChannel 0: Cars, vehicles,\n\nChannel 1: Oh, you got\n\nChannel 0: trailers.\n\nChannel 1: a car.\n\nChannel 0: Coach.\n\nChannel 1: Yeah. It's a car. It's a car.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Do you know\n\nChannel 1: I don't know how far that's 50\n\nChannel 0: cool.\n\nChannel 1: thousand.\n\nChannel 0: Perfect. Alright. Okay. So with respect to the money that we're going we're estimating that we're gonna receive in about five years, the mill,\n\nChannel 1: Mhmm.\n\nChannel 0: I'm going out on a leap and saying that it's set to be a wealth transfer from the\n\nChannel 1: It\n\nChannel 0: generation\n\nChannel 1: is.\n\nChannel 0: above you. Yeah.\n\nChannel 1: Correct. Yep.\n\nChannel 0: Cool. Okay. So with the million, it's obviously undetermined when that's going to land, but\n\nChannel 1: Yep.\n\nChannel 0: you are correct that it will obviously have an effect on\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: It\n\nChannel 0: and your\n\nChannel 1: does.\n\nChannel 0: overall positions.\n\nChannel 1: Yep. You almost not you don't wanna you almost don't wanna take it. Well, maybe maybe give me maybe give me a quarter of it. Someone else someone else have the rest. Anyway,\n\nChannel 0: I know. I know. It can be painful for that.\n\nChannel 1: it's stupid as well. Yeah. You're\n\nChannel 0: So\n\nChannel 1: actually better off not not taking stuff not taking all of it anyway. But anyway\n\nChannel 0: it depends on how it's set to come to you. Do you know how the relative has the estate set up? Is it in a trust or is it just\n\nChannel 1: No. It's not in a trust. It's it's her personal wealth,\n\nChannel 0: Yep.\n\nChannel 1: and it's always being shared around the family. And\n\nChannel 0: Yeah.\n\nChannel 1: there are three girls, and my my wife will get a one third share. So\n\nChannel 0: Yep.\n\nChannel 1: so it's just it's just gonna come as as the the estate will pay the tax. It'll come it'll\n\nChannel 0: Yeah.\n\nChannel 1: come tax the estate will pay the tax on\n\nChannel 0: Yeah.\n\nChannel 1: on that\n\nChannel 0: Or whatever\n\nChannel 1: benefit.\n\nChannel 0: the benefits. Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It'll it'll come tax paid.\n\nChannel 1: Yeah.\n\nChannel 0: And then, obviously, once you are in receipt of those of those those funds, it'll affect your overall position. I mean,\n\nChannel 1: That's\n\nChannel 0: the good thing is is that, theoretically,\n\nChannel 1: right.\n\nChannel 0: with regards to, like, part pension amounts, a couple combined can currently, at current rates, have up to 1.8 one point o eight five. So $1,085,000 for a homeowner, which, of course, is what you\n\nChannel 1: Yeah.\n\nChannel 0: would be. Based on the fact that you would have a $300,000 mortgage, million dollars paid, that'll take you down to about 700, then what your super has, you might be just skipping that part pension amount that would give you the ability to have part pension. The\n\nChannel 1: Yeah.\n\nChannel 0: cool thing about part pension is well, the pension as a whole is it's not just the money that you receive from Centrelink or services. It's the benefits. Correct. It's the cheap for electricity bill, the, you\n\nChannel 1: Benefits.\n\nChannel 0: know, concession card, stuff like that.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So pension could be on the cards. There is always what's called sheltering the money. So it it depends on what you're wanting to do. And, generally, it's not a conversation I would fully have with regards to the million dollars at the initial onset because it's not guaranteed, a, how much you're getting, or, b, when\n\nChannel 1: No.\n\nChannel 0: it's going to land.\n\nChannel 1: That's right.\n\nChannel 0: So\n\nChannel 1: That's\n\nChannel 0: currently, it's\n\nChannel 1: it it\n\nChannel 0: all\n\nChannel 1: it would be it I I'd I'd be interested to know that if if if and when it landed,\n\nChannel 0: theorized.\n\nChannel 1: what do we do with it? Would\n\nChannel 0: Yeah.\n\nChannel 1: would probably be my question. And then even I mean, at the moment, I think I can I can put money in a super and take it straight out again?\n\nChannel 0: Pretty\n\nChannel 1: So\n\nChannel 0: much.\n\nChannel 1: whether whether super is still the the right vehicle or whether we should be doing something else. I mean, I I don't know. These are all\n\nChannel 0: Questions?\n\nChannel 1: questions\n\nChannel 0: Yeah.\n\nChannel 1: that I had. And and right now, I'm looking at it going, you know, I could probably double my contributions at the moment.\n\nChannel 0: Mhmm.\n\nChannel 1: Mhmm. And that would have us well, based on what I can see, that would have a significant impact on on where we'd be by 2033.\n\nChannel 0: Yes. And it would also very much be tax savings as well. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: it all depends on what you're wanting to get out of the con out of, I guess, this conversation because there is there is a 100% stuff that we can do to generate wealth in, like, more aggressive investments, like, can can definitely be a part of what we look at. We can definitely look at sheltering down the line, you know, even if it is a small portion. May I ask, in the life\n\nChannel 1: What's\n\nChannel 0: you've led\n\nChannel 1: that? Sorry. What does that mean?\n\nChannel 0: sheltering?\n\nChannel 1: Yeah.\n\nChannel 0: It's like legal hiding. It's the\n\nChannel 1: That's\n\nChannel 0: way I\n\nChannel 1: okay.\n\nChannel 0: kinda find it.\n\nChannel 1: I'm not\n\nChannel 0: So\n\nChannel 1: I'm I'm okay with that. Just don't don't don't don't don't don't don't don't don't expose me financially. I'll I'll lose my security clearance.\n\nChannel 0: no. No. So Centrelink so right now, if you were to quit your job, Centrelink\n\nChannel 1: Yep.\n\nChannel 0: would look at you as as a whole. They would look at the fact that you are a 68 year old gentleman with let's just say you've moved into your home. You have a primary residence and you have x amount of assets. Your vehicle is a nonfinancial asset, so it\n\nChannel 1: Yeah.\n\nChannel 0: is assets tested, but it is not income tested.\n\nChannel 1: Yep.\n\nChannel 0: Any cash that you have in the bank, any money that you have in your superannuation fund, and any\n\nChannel 1: Yep.\n\nChannel 0: other shares or anything like that that you have are financial assets. Those assets are both asset tested and income tested. And the way they deem income is they use deeming rates. So they don't turn around and say, well, that money's in cash and the cash rate's 4.25%, and that money's invested in a aggressive portfolio. So we're gonna say that it's gonna generate 8% worth of returns, and therefore, your income is this.\n\nThey have a specific deemed calculator that you use, and it's it's very minimal rates. It's sitting at sort of there's two different sections for how the calculator works. There's basically 3.25% is how they deem income. So, you know, if you have $200,000, it's debited 3.25%. And\n\nChannel 1: Yes.\n\nChannel 0: that's what the income that is assumed that you would derive from that asset.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: they then utilize that to determine, well, if you have this many this this much in financial assets, you are deemed to have this much income. Is that above or below our minimum, maximum allowable income?\n\nChannel 1: Yep.\n\nChannel 0: Because the allowable income for CenturyLink to get full pension rates based on the income test is only $218 a fortnight. Very minimal. Now with your superannuation fund, it is a financial asset.\n\nChannel 1: Yep.\n\nChannel 0: So it is it is it is deemed. There are ways that you can it it's it's called sheltering, but there's, basically, there's ways that you can shelter the money so Centrelink can't see all of it. They\n\nChannel 1: Mhmm.\n\nChannel 0: can only basically see a portion of the money, and the money still exists. The money is still there. It's just that it is tested differently for Centrelink's purposes. Because rather than being superannuation held, it kind of falls under the life insurance act. So it becomes a bit bit of a different holding to how Centrelink holds.\n\nChannel 1: Okay. Good.\n\nChannel 0: Outside of that, what I was gonna ask is, do you have any children yourself?\n\nChannel 1: It'll run up.\n\nChannel 0: I I assume they might be grown up. The reason I ask is when and and, again, this is definitely a future conversation, but it's just something, I guess, for through through for thought. When you do receive the the mill,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, the mortgage\n\nChannel 1: Jesus.\n\nChannel 0: is primary. Yeah. When the\n\nChannel 1: It\n\nChannel 0: when\n\nChannel 1: cost me it cost me a fortune this far this this this this far. Yeah. We could we could share it around. Yep.\n\nChannel 0: it can be, but the issue is is that's actually called gifting, and that\n\nChannel 1: Yep.\n\nChannel 0: would that would affect your Centrelink benefits if you were to just give money away because then Centrelink sees that as you trying to push your wealth onto family\n\nChannel 1: Mhmm.\n\nChannel 0: and keep it within the family, but not be tested against the tests that they test you against.\n\nChannel 1: Yep.\n\nChannel 0: But there are other ways to do it, like put the money inside bonds\n\nChannel 1: Yep.\n\nChannel 0: that are not means tested for Centrelink, have a ten year maturity, which means that you're putting money away for the kids for when they get older. I understand they would be older already. I'm assuming they're somewhere in their thirties or so or possibly older than that depending on how early we started.\n\nChannel 1: They're reaching for\n\nChannel 0: Cool.\n\nChannel 1: it. So\n\nChannel 0: So it it just depends\n\nChannel 1: if you\n\nChannel 0: on\n\nChannel 1: put\n\nChannel 0: what you're\n\nChannel 1: me in\n\nChannel 0: going\n\nChannel 1: full,\n\nChannel 0: to\n\nChannel 1: do\n\nChannel 0: do.\n\nChannel 1: you still have access to the income?\n\nChannel 0: So bonds? No. Bonds are generally yeah. You do. You you do have access to the to the to the funds, but how a bond works is basically after ten years, it's tax free\n\nChannel 1: Yeah.\n\nChannel 0: assets. Before ten years, it is sheltered, but it is you're tested against or you're you pay your marginal rate when you withdraw money. So it works the same as any kind of investment that you would sell.\n\nChannel 1: Okay.\n\nChannel 0: So if if you bought stocks on the market and then sold the stocks, it's the capital gains assessment on what\n\nChannel 1: Yep.\n\nChannel 0: you buy for, what did you sell for, what's the assumed or what's the the the rate of return that gets added to your assessable income and so on and so forth. Obviously, as a retire as as you know, if you were to retire, wouldn't really matter if you were to start liquidating stocks because\n\nChannel 1: The module\n\nChannel 0: you\n\nChannel 1: right\n\nChannel 0: have no you have no income. Yep. So definitely something that we can we can sort of look at when that becomes becomes a a issue,\n\nChannel 1: Yeah.\n\nChannel 0: I guess.\n\nChannel 1: Yep.\n\nChannel 0: Now now can I ask who or where does your superannuation currently fit?\n\nChannel 1: Government.\n\nChannel 0: It's\n\nChannel 1: It's the\n\nChannel 0: like q q super equivalent.\n\nChannel 1: no. It's the I call it CPSC or c Commonwealth Commonwealth Superfund\n\nChannel 0: Yep.\n\nChannel 1: or the\n\nChannel 0: Yep.\n\nChannel 1: Commonwealth government fund.\n\nChannel 0: Yes. No. I know. I know the I know I know the brand you're talking about.\n\nChannel 1: It's not it's not it's not the good one.\n\nChannel 0: Sorry. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: don't play for the good one. You'd be surprised, engineers are sitting inside government. Well, you're probably not gonna be surprised, but they're\n\nChannel 0: No. I'm not.\n\nChannel 1: all just they're all just sitting there waiting for their superannuation to mature.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Right.\n\nChannel 0: Very much\n\nChannel 1: Pretty\n\nChannel 0: so.\n\nChannel 1: pretty sad\n\nChannel 0: Yep.\n\nChannel 1: to watch, really.\n\nChannel 0: Yeah. The public sector is a is a fun one just to watch.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So your wife is of similar age to yourself?\n\nChannel 1: A couple of years\n\nChannel 0: Okay. Perfect. And could I ask your actual date of birth just so I can\n\nChannel 1: younger. Yep. 12/1157.\n\nChannel 0: November. Perfect. And your wife's name so that way I don't just can keep\n\nChannel 1: Linda,\n\nChannel 0: Linda.\n\nChannel 1: l I n yep. Linda.\n\nChannel 0: LA India. Perfect. Linda.\n\nChannel 1: And switch them d three seven sixty.\n\nChannel 0: Oh, perfect. Oh, has a birthday coming up.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: with regards to and I guess this is currently, you're working full time, I would assume. So thirty eight hours a week and or\n\nChannel 1: Yep.\n\nChannel 0: more. Cool. There are avenues that can be taken currently\n\nChannel 1: Yep.\n\nChannel 0: by you with respect to your wage and income. So because you are in, like, earning a $100,000, and I'm getting around it purely and simply because it's a little bit easy palatable and\n\nChannel 1: Yep.\n\nChannel 0: we we like round numbers. So with a $100,000 income or 102, you sit inside the 30% tax bracket and marginal rate. So any money that you earn over $45,000 is taxed at 30¢ on the dollar. So\n\nChannel 1: Yep.\n\nChannel 0: with respect to your income, what you could theoretically do, and it would depend on what you had access to in your concessional contribution caps, is you could actually salary sacrifice a lot more of your income. Not a\n\nChannel 1: Yep.\n\nChannel 0: 100%, but you could salary sacrifice quite a considerable amount of your income. And from that money going in, you could then draw it out tax free. So you would end up saving 15¢ on every dollar because the superannuation tax rate is 15% versus 30.\n\nChannel 1: So I can just so I can understand what you just said, I\n\nChannel 0: Yeah.\n\nChannel 1: can sacrifice a chunk of money into\n\nChannel 0: Mhmm.\n\nChannel 1: the super fund and I can\n\nChannel 0: Mhmm.\n\nChannel 1: draw it out right away at 15%.\n\nChannel 0: Well, you don't so when the money lands in the super environment, the 15% would come off. And then when you pull it out, it's tax free.\n\nChannel 1: Yep. It's expert. But I can pull it at any time because I'm 68. Right?\n\nChannel 0: Yes. Correct.\n\nChannel 1: Well, that's a nice tax saving.\n\nChannel 0: Yes. Now there's obviously rates that we need to be considerate of because currently, the concessional contribution caps are $30,000. Next year, they increase to 32,500. And if you exceed any of those caps within a given year, you end up paying what's called division two nine three tax, and you end up with a higher tax rate and all the rest of it. So it becomes less tax a becomes less tax effective.\n\nSo there are considerations you need to make. However, because\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: have\n\nChannel 0: balance is\n\nChannel 1: yep.\n\nChannel 0: low,\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: have\n\nChannel 0: can\n\nChannel 1: access\n\nChannel 0: actually\n\nChannel 1: to I have access to concessional contributions, so I haven't exceeded those caps in the last five years.\n\nChannel 0: correct. So what I was gonna say is because your con your your balance is low, you\n\nChannel 1: Yes.\n\nChannel 0: can actually trigger and utilize what's called a carry forward rule,\n\nChannel 1: Yep.\n\nChannel 0: which is if your balance is under 500,000, which obviously it is, then you can utilize years gone by cats.\n\nChannel 1: Yep.\n\nChannel 0: Now we are obviously at the end of this financial year, which\n\nChannel 1: Yep.\n\nChannel 0: means that you are about to lose the financial year for 1920. Yeah. The financial year said 2019 to 2020, which means you'll never be able to get that back. So theoretically speaking, if you had available cash, which I know you do currently because you're mid billed, is you could and I would theoretically, like, I this is not me recommending anything. This is me just talking.\n\nChannel 1: Yeah. Okay. I got it.\n\nChannel 0: Is we could put a lump sum month funds into your super funds. You could just pay it direct from your bank into your super fund. You\n\nChannel 1: Yeah.\n\nChannel 0: then submit you could then submit what's called, like, a notice of intent to claim, which enables the super fund to convert those money into concessional contributions, and then you just draw that back out whenever you wanted to. So it could sit in the super fund for the next blah months until you need the money to deal with the house build. It wouldn't really matter, and then you could just draw it out tax free. Because you are over 65, you have no limitations to what you can pull out of your fund. Theoretically, you could turn around today and pull the whole lot out.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously,\n\nChannel 1: Yeah. Good.\n\nChannel 0: that's not what you're wanting to do, but you know?\n\nChannel 1: No. Look. I'm actually trying to do the\n\nChannel 0: Yes.\n\nChannel 1: that we have invested, we've got a chunk of it with Police Bank and and then there's a chunk of it with Latrobe Financial. We live we live off the interest of that\n\nChannel 0: Yep.\n\nChannel 1: in addition to my my my salary. So we would need can we if we if we did that, I'd I'd I'd be dropping my my my income, my monthly income.\n\nChannel 0: And what you're living off currently.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So you could put it in because what would hap so what happens under that scenario is it depends on how quickly you submit your tax return, really. But it is you would put money into the super fund.\n\nChannel 1: Yep.\n\nChannel 0: You would submit a notice of intent to claim. When you submit your tax return next year, you would get the tax that you paid on those funds back in your tax return. So it comes back into your back pocket that way.\n\nChannel 1: Oh, I see. I get the text back.\n\nChannel 0: Yes. You get the tax back because the assumption is is that you've already paid your marginal rate\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: have.\n\nChannel 0: the funds that you put in. Yeah. Of course\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: have.\n\nChannel 0: have.\n\nChannel 1: And I get difference between the marginal rate and the super rate. Is that right?\n\nChannel 0: Sure.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So you get that back. So that is something that you could do. It just depends on how comfortable you are living without that money until you get your tax return submitted and la la la la. If you're a lazy person like me and doesn't look at your tax return until, like, September, October, because financial financial year gets very, very busy for me.\n\nChannel 1: I'm I think and my my I spoke to account the other day. I'm trying to get into do the last two years tax returns. So\n\nChannel 0: There.\n\nChannel 1: so, yeah, I'm I'm we're we're we're behind. We always said we're on behind. Always.\n\nChannel 0: I do too. Don't worry. Every year, I'm like, we're gonna do it in July, and it never happens. So if you're already chasing your account to get two years worth of worth of fine like, tax returns done, you\n\nChannel 1: No\n\nChannel 0: you it could, especially if you're basically gonna sit down with\n\nChannel 1: I'm not\n\nChannel 0: him in July and get all three done.\n\nChannel 1: I I got it. I could I could talk to you about that and say, what what's the value of doing this? How fast can you turn around? I mean, he probably I'm not quite as you can see, I'm not that complicated anymore. So not it's not it will do my tax.\n\nChannel 0: No.\n\nChannel 1: So it's just\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: to be able to know exactly the amount that you could put in, what what we would realistically do is log in to myGov, which is a you thing, not a me thing because I can never no one can ever really log in to myGov apart from\n\nChannel 1: Yep. Yep.\n\nChannel 0: you. Is log in to myGov, go to the ATO if you have that linked, and then\n\nChannel 1: I did.\n\nChannel 0: in that menu, you can have a look at super. And then in that super menu, there's a drop down that says carry forward contributions. That will show you historically every year's worth of contributions that have been made, the total amount of contributions made.\n\nChannel 1: Yep.\n\nChannel 0: It'll show you what's left remaining in the caps. Because over\n\nChannel 1: Yep.\n\nChannel 0: the last, oh, I don't know, over the last decade, there's been a couple of different changes that have happened to Super. And one of those was obviously the rolling increase to concessional contributions and the increase with the caps. So the cap used to be, you know, 25,000, then it increased to 27 and a half. Now it's 30. Next year, it goes to 32 and a half.\n\nYour employer is obviously paying over the rate that the standard rate. Everyone else is on 12%. You're up on 15. Providing your employer has been paying 15 the whole time, Hunky dory. We can we can pretty much reassume what what how much has been paid in.\n\nChannel 1: Yep.\n\nChannel 0: But then it also depends because sometimes, depending on how the payment falls or the fortnight's full or the month or, you know, payroll pressing the button, you might have got a cheeky extra payment within a within a a financial year and then a one less in the next financial year, so to speak. It\n\nChannel 1: Yep.\n\nChannel 0: all just depends on how those those weeks do roll through and where the day is full. So, yeah, if you're able to obtain though those those rates, we can kinda go from there. Now, realistically, from an initial consultation, what happens from my side is I would generally get, you know, a prospective client to provide me with a number of other, like, documents and information. And then what I do is I put together a statement of advice, advising you on where to go, what to do, how to do it, what the tax savings look like, how we get to the strategies that you wanna get to, what the growth on your superannuation fund looks like, and then other superannuation funds, other investment options that are available in the market, how we do what we do, and on from there. And then should you so choose to accept my advice and have me implement it, I would become an ongoing adviser for you, and I would be able to work through implementing those things.\n\nIf you chose not to accept my advice, then I would shake your hand, metaphorically speaking, and you would be welcome to, you know, go off and either do it yourself and or look at other avenues.\n\nChannel 1: Yep.\n\nChannel 0: So given the time sensitive side of things, give like, from what we've just discussed, if you would like to actually look at actioning anything in this financial year before it rolls over. So if you really wanna look at trying to put money into the Superfund this year, I will basically need all of the documents within the next couple of days.\n\nChannel 1: Yep.\n\nChannel 0: And I will email you with what I need, and it will be Latrobe statements, and it'll be the Police Credit Union statements, and it'll be, you know, the Superfund statements and balances and investments. And there was one more thing. Oh, and the my gov and the my gov screenshot of what\n\nChannel 1: Summary.\n\nChannel 0: available of a yes. Of what what\n\nChannel 1: Sure.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: have available.\n\nChannel 1: Yep.\n\nChannel 0: So that way, I can go through from there. And your last pay slip would be very useful if possible.\n\nChannel 1: Yep. Not too easy.\n\nChannel 0: So yeah. So if I send you an email with a request for those documents, from there, what I can do is I can start putting things together. Realistically, I'll have to have a look at the super fund that you're currently with to see when they have close off dates\n\nChannel 1: Yep.\n\nChannel 0: for any contributions and stuff made. Because so long as the money is in the account, all the paperwork on the back end can be done later, like, after the rollover of financial year.\n\nChannel 1: Yep.\n\nChannel 0: Some funds close the doors to their contributions early purely and simply because, otherwise, it's a mad dash for them. There are other bigger\n\nChannel 1: Yep.\n\nChannel 0: funds that actually put stuff on over the weekends. Because when contributions are made, they're made, and they go into a holding account within the super fund. They don't get allocated to the actual client account, and it's to get it done faster, they a lot of super funds put stuff on during the month of June to make sure that everything goes through.\n\nChannel 1: Okay. Got\n\nChannel 0: My\n\nChannel 1: it.\n\nChannel 0: favorite is when a client comes to me, like, three days before the end of financial year with a check. They're like, oh, I just wanna put this in. Not happening. So yeah.\n\nChannel 1: Can I just quickly backtrack to one thing\n\nChannel 0: Of\n\nChannel 1: you\n\nChannel 0: course.\n\nChannel 1: said? So with with my current salary, if we didn't put a lump a big lump\n\nChannel 0: Mhmm.\n\nChannel 1: lump of money in to soak up all of those backdated contributions,\n\nChannel 0: Yes.\n\nChannel 1: But rather just increased substantially my\n\nChannel 0: Salary sacrifice. Yep.\n\nChannel 1: salary sacrifice.\n\nChannel 0: Yep.\n\nChannel 1: That that's a significant tax saving by doing that.\n\nChannel 0: Yes. It is. So\n\nChannel 1: I can\n\nChannel 0: what\n\nChannel 1: put it\n\nChannel 0: I\n\nChannel 1: into the pull it out of the super at a lower rate and get it and just take the tax benefit. Right?\n\nChannel 0: yes. Absolutely. And I would I would calculate how that would look. So what what I'm what I'm kind of, I guess, mentally considering is the fact that we are about to lose a year. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: No.\n\nChannel 0: it's a it's a rolling five years, and we're about to lose a year.\n\nChannel 1: And that's that's important. The the the the the money we've got in Police Bank, that's there's a million sitting in that. That's that's rolled over on a term deposit in April. So it's not gonna\n\nChannel 0: Replace\n\nChannel 1: should there be a\n\nChannel 0: it. Yep.\n\nChannel 1: no. No. The stuff with Latrobe is a chunk of money that's about to come out. I can't remember the date. My wife just walked in.\n\nLinda, do you remember when that when that next rollover date is on Latrobe? Is this June? Okay. It's this month. I'll check it.\n\nI'll check it. I think there is a some money that's about to roll out of\n\nChannel 0: Let's\n\nChannel 1: Latrobe.\n\nChannel 0: try.\n\nChannel 1: Yeah. So that might be an opportunity. I'll have a look at that.\n\nChannel 0: Yep. And that should that should theoretically be on the electrode reports that you can\n\nChannel 1: Yeah.\n\nChannel 0: provide\n\nChannel 1: He\n\nChannel 0: anyway.\n\nChannel 1: together. I should be able to get I should be able to find that pretty I'll just\n\nChannel 0: Yeah.\n\nChannel 1: log on and look.\n\nChannel 0: And and to be clear, there's there's never any way unless someone has liquid funds that they're willing to put into their super fund and have that sitting there for an extended period of time, then I would recommend that you go ahead and put what I'm gonna assume is to a $100,000 into the fund. What I'm\n\nChannel 1: Yep.\n\nChannel 0: the only thing I'm I'm spitballing is that we have a chunk of money that enables us to basically use a good portion of that one year. So it's probably gonna be in the vicinity of maybe 10 to $15\n\nChannel 1: Yeah.\n\nChannel 0: for that one year that's about to roll off. That's all. The other years, we can definitely use, and we can utilize them exactly as we've said\n\nChannel 1: Yep.\n\nChannel 0: by\n\nChannel 1: You\n\nChannel 0: increasing\n\nChannel 1: can go\n\nChannel 0: salary\n\nChannel 1: back five\n\nChannel 0: sacrifice.\n\nChannel 1: years. Is it is it five years, Larissa? You can go\n\nChannel 0: Yes.\n\nChannel 1: back?\n\nChannel 0: Five.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Five years. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: So if once you jump on my gov, it it literally it'll show you. It makes it really stupid proof.\n\nChannel 1: that\n\nChannel 0: They don't show you every single year. They just\n\nChannel 1: it\n\nChannel 0: show you the five you have\n\nChannel 1: looks\n\nChannel 0: access to.\n\nChannel 1: the five years, it it what would it be? About $25 a year average. Right? So\n\nChannel 0: Yeah. 25, 27 and a half, and 30, unfortunately.\n\nChannel 1: $20 or something? That we get that Yeah. Okay.\n\nChannel 0: Well, if you've been receiving 15% contributions on a $100,000, that's basically $15 a year, so it'll be the leftover of\n\nChannel 1: Oh,\n\nChannel 0: that.\n\nChannel 1: yeah. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So it'll be anywhere between that 10 and 15.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. The math still works.\n\nChannel 1: And that's what work. Yeah. I'm I'd I'd like to go ahead and and get that done. I'm sorry. It'll load more work on you at this time of year.\n\nChannel 0: That's okay. It's what I'm here for.\n\nChannel 1: But that'd be that'd be good.\n\nChannel 0: Mhmm.\n\nChannel 1: Just can you give me an understanding of your fees and how they and how they work?\n\nChannel 0: Yep. So depends on the kind of structure that you want to look at going ahead with and how you wanna factor things in. But what we do is it's 3.3% upfront based on the funds under management that we're looking at basically managing\n\nChannel 1: Yep.\n\nChannel 0: or dealing with. From there, if you wanna enter into an ongoing agreement, ongoing advice where we continue to help you, then what we look at is 1.65% ongoing annually, and we can charge that across a month like, sorry, across the year monthly. If you just want a one off piece of advice that you're then able to implement, go, and hold, then that's absolutely fine as well. And then you can kind of always come back to us for, like, one off advice pieces or anything like that in the future, which is $1,500 when we sort of know your circumstances, know your situation, and we're able to basically have that conversation and just kinda\n\nChannel 1: Yep.\n\nChannel 0: update and go from there.\n\nChannel 1: So so initially, for this advice you're about I'm asking you to provide, is that $1,500 or or is that a calculation of the amount of money we're talking about?\n\nChannel 0: Mhmm. It'd be 1,500 minimum.\n\nChannel 1: Okay. Okay. Yep.\n\nChannel 0: Okay. And that's payable on your acceptance of\n\nChannel 1: Yep.\n\nChannel 0: So I'm able to go ahead and technically do all of this first. And the reason we do it that way is so the Royal Commission came through in 2018, and and this like, Oakview Financial has been around since 2019. Both of the directors, Severiano Zata and Bart or Barth Barth Ryan,\n\nChannel 1: Yeah.\n\nChannel 0: had been in the industries like myself for a little bit over a decade, and they came from quite large firms who would charge clients $5 for a piece of advice, so a statement of advice, the document that I would draw up for you. And\n\nChannel 1: Yes.\n\nChannel 0: what that what they would what that would result in is the client paying 2 and a half grand for this conversation,\n\nChannel 1: Yeah.\n\nChannel 0: which then resulted in clients accepting whatever advice came across the table because they wanted to see a return on the investment that they'd already put in.\n\nChannel 1: Yeah.\n\nChannel 0: The boys both wanna basically put money where our mouth is, put our right foot forward, and show you what we can do before you have to put any money on the line or, you know, agree to anything.\n\nChannel 1: Okay.\n\nChannel 0: Just\n\nChannel 1: No. That's\n\nChannel 0: putting faith\n\nChannel 1: cool.\n\nChannel 0: faith and trust back into the industry.\n\nChannel 1: What I do notice, Larissa, not wanting to inflate the issue or inflate the issue.\n\nChannel 0: Mhmm.\n\nChannel 1: I am able to salary sacrifice these fees. So that's interesting.\n\nChannel 0: Yes. Yeah. Yeah. Essentially, you would be able to. Yeah.\n\nChannel 1: Yeah. So we can we can set that up as part of this arrangement. Alright. Do you wanna send me an email with what you need?\n\nChannel 0: I sure can.\n\nChannel 1: And I'll very quickly pull that together.\n\nChannel 0: No. Absolutely. I will just triple check-in my system because I know you're a new client.\n\nChannel 1: That's\n\nChannel 0: I just wanna make sure that we oh, yeah. Markrwally8@gmail.com?\n\nChannel 1: it.\n\nChannel 0: Perfect. Alright. Well, you'll have an email from me within a few moments.\n\nChannel 1: Perfect, Marissa. Thank you.\n\nChannel 0: Not a problem at all, Mark. I will get everything rolling for you, and I'll turn it all around. And I'll be in touch when I have it all done\n\nChannel 1: Great. That's\n\nChannel 0: before\n\nChannel 1: true.\n\nChannel 0: end of financial year.\n\nChannel 1: Thanks for your time. Appreciate it. It.\n\nChannel 0: Not a problem at all, Mark. Thanks so much. You have a good one. K. Bye.","paragraphs":[{"sentences":[{"text":"My boss.","start":0.64,"end":1.3,"sentiment":"neutral","sentiment_score":0.06150385923683643}],"sentiment":"neutral","sentiment_score":0.06150385923683643,"channel":1,"num_words":2,"start":0.64,"end":1.3},{"sentences":[{"text":"Hi, Mark.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.15101178735494614},{"text":"It's Larissa from Oakview Financial.","start":4.48,"end":6.42,"sentiment":"neutral","sentiment_score":0.17997809052467345},{"text":"How are you going?","start":6.48,"end":7.54,"sentiment":"neutral","sentiment_score":0.22584623098373413}],"sentiment":"neutral","sentiment_score":0.1913908137516542,"channel":0,"num_words":11,"start":3.9199998,"end":7.54},{"sentences":[{"text":"I'm well.","start":7.9199996,"end":8.48,"sentiment":"neutral","sentiment_score":0.23563892394304276},{"text":"Sorry.","start":8.48,"end":8.8,"sentiment":"neutral","sentiment_score":-0.11017683148384094},{"text":"I didn't quite get to the phone in time.","start":8.8,"end":12.015,"sentiment":"neutral","sentiment_score":-0.1512572252088123},{"text":"Right","start":12.015,"end":12.515,"sentiment":"neutral","sentiment_score":-0.03221452608704567}],"sentiment":"neutral","sentiment_score":-0.0794175797357009,"channel":1,"num_words":13,"start":7.9199996,"end":12.515},{"sentences":[{"text":"No.","start":12.385,"end":12.625,"sentiment":"neutral","sentiment_score":-0.06108243018388748},{"text":"That's okay.","start":12.625,"end":13.345,"sentiment":"neutral","sentiment_score":0.04430605098605156},{"text":"I I always have a rule of thumb.","start":13.345,"end":14.705,"sentiment":"neutral","sentiment_score":0.12266666628420353},{"text":"I wait a couple of minutes and then give a quick call because I","start":14.705,"end":17.665,"sentiment":"neutral","sentiment_score":0.08152722620538302}],"sentiment":"neutral","sentiment_score":0.08600976675748825,"channel":0,"num_words":25,"start":12.385,"end":17.665},{"sentences":[{"text":"then.","start":17.615,"end":18.115,"sentiment":"neutral","sentiment_score":0.042014263570308685}],"sentiment":"neutral","sentiment_score":0.042014263570308685,"channel":1,"num_words":1,"start":17.615,"end":18.115},{"sentences":[{"text":"understand that mad dash.","start":17.665,"end":19.125,"sentiment":"neutral","sentiment_score":-0.05376875912770629}],"sentiment":"neutral","sentiment_score":-0.05376875912770629,"channel":0,"num_words":4,"start":17.665,"end":19.125},{"sentences":[{"text":"That's alright.","start":20.494999,"end":21.055,"sentiment":"neutral","sentiment_score":0.16240638494491577},{"text":"I was in the middle of doing something.","start":21.055,"end":22.975,"sentiment":"neutral","sentiment_score":0.14444262720644474},{"text":"So that's all good.","start":22.975,"end":24.99,"sentiment":"positive","sentiment_score":0.36878713965415955},{"text":"How are you?","start":24.99,"end":25.730001,"sentiment":"neutral","sentiment_score":0.24019014835357666}],"sentiment":"neutral","sentiment_score":0.21623957595404456,"channel":1,"num_words":17,"start":20.494999,"end":25.730001},{"sentences":[{"text":"Very well.","start":26.16,"end":26.72,"sentiment":"positive","sentiment_score":0.4055411368608475},{"text":"Thank you.","start":26.72,"end":27.119999,"sentiment":"positive","sentiment_score":0.4999239891767502},{"text":"How are you?","start":27.119999,"end":27.939999,"sentiment":"neutral","sentiment_score":0.24231759707132974}],"sentiment":"positive","sentiment_score":0.3625547204698835,"channel":0,"num_words":7,"start":26.16,"end":27.939999},{"sentences":[{"text":"Good.","start":28.19,"end":28.51,"sentiment":"positive","sentiment_score":0.37544140219688416},{"text":"Not bad.","start":28.51,"end":29.17,"sentiment":"positive","sentiment_score":0.355800062417984}],"sentiment":"positive","sentiment_score":0.3623471756776174,"channel":1,"num_words":3,"start":28.19,"end":29.17},{"sentences":[{"text":"That's good.","start":30.08,"end":31.22,"sentiment":"positive","sentiment_score":0.4687485843896866},{"text":"So to introduce myself, I'm the head of financial advice here at o two Financial,","start":32.16,"end":36.5,"sentiment":"neutral","sentiment_score":0.19825865030288697}],"sentiment":"neutral","sentiment_score":0.23008099548956928,"channel":0,"num_words":17,"start":30.08,"end":36.5},{"sentences":[{"text":"Yep.","start":37.23,"end":37.73,"sentiment":"neutral","sentiment_score":0.16496363282203674}],"sentiment":"neutral","sentiment_score":0.16496363282203674,"channel":1,"num_words":1,"start":37.23,"end":37.73},{"sentences":[{"text":"And my whole role is as a financial planner is to basically during a conversation like this is to meet and get an understanding as to where you're sitting, what's going on with life, and, ultimately, what goals, short and long term, you have planned for yourself so we can achieve those.","start":38.635002,"end":58.879997,"sentiment":"neutral","sentiment_score":0.2397071338043763}],"sentiment":"neutral","sentiment_score":0.2397071338043763,"channel":0,"num_words":52,"start":38.635002,"end":58.879997},{"sentences":[{"text":"Yep.","start":59.91,"end":60.41,"sentiment":"neutral","sentiment_score":0.10174338519573212}],"sentiment":"neutral","sentiment_score":0.10174338519573212,"channel":1,"num_words":1,"start":59.91,"end":60.41},{"sentences":[{"text":"Now, I guess, before I do jump into it, I do wanna let you know that our calls are recorded, if that's okay.","start":60.699997,"end":65.885,"sentiment":"neutral","sentiment_score":0.062216188920580826}],"sentiment":"neutral","sentiment_score":0.062216188920580826,"channel":0,"num_words":23,"start":60.699997,"end":65.885},{"sentences":[{"text":"Yeah.","start":66.47,"end":66.71,"sentiment":"neutral","sentiment_score":0.11673907190561296},{"text":"It's fine.","start":66.71,"end":67.45,"sentiment":"neutral","sentiment_score":0.16326086223125458}],"sentiment":"neutral","sentiment_score":0.14775359878937402,"channel":1,"num_words":3,"start":66.47,"end":67.45},{"sentences":[{"text":"Yeah.","start":67.865,"end":68.265,"sentiment":"neutral","sentiment_score":0.1914022266864777},{"text":"Cool.","start":68.265,"end":68.765,"sentiment":"neutral","sentiment_score":0.25328299403190613},{"text":"So I think the best way that I I like starting these meetings is to just get you to tell me about yourself and where where you","start":69.465,"end":78.29,"sentiment":"neutral","sentiment_score":0.25580855183027407}],"sentiment":"neutral","sentiment_score":0.2535005558667512,"channel":0,"num_words":29,"start":67.865,"end":78.29},{"sentences":[{"text":"Sure.","start":78.205,"end":78.705,"sentiment":"neutral","sentiment_score":0.14372722804546356}],"sentiment":"neutral","sentiment_score":0.14372722804546356,"channel":1,"num_words":1,"start":78.205,"end":78.705},{"sentences":[{"text":"sit","start":78.67,"end":78.909996,"sentiment":"neutral","sentiment_score":0.10881206393241882}],"sentiment":"neutral","sentiment_score":0.10881206393241882,"channel":0,"num_words":1,"start":78.67,"end":78.909996},{"sentences":[{"text":"Okay.","start":78.765,"end":79.165,"sentiment":"neutral","sentiment_score":0.13735607266426086}],"sentiment":"neutral","sentiment_score":0.13735607266426086,"channel":1,"num_words":1,"start":78.765,"end":79.165},{"sentences":[{"text":"and go","start":78.909996,"end":79.229996,"sentiment":"neutral","sentiment_score":0.12225310876965523}],"sentiment":"neutral","sentiment_score":0.12225310876965523,"channel":0,"num_words":2,"start":78.909996,"end":79.229996},{"sentences":[{"text":"So","start":79.165,"end":79.665,"sentiment":"neutral","sentiment_score":0.12226498872041702}],"sentiment":"neutral","sentiment_score":0.12226498872041702,"channel":1,"num_words":1,"start":79.165,"end":79.665},{"sentences":[{"text":"from there.","start":79.229996,"end":79.97,"sentiment":"neutral","sentiment_score":0.1524505764245987}],"sentiment":"neutral","sentiment_score":0.1524505764245987,"channel":0,"num_words":2,"start":79.229996,"end":79.97},{"sentences":[{"text":"so there is a first of all, thanks for setting up this time.","start":80.62,"end":84.32,"sentiment":"positive","sentiment_score":0.44822071951169234},{"text":"I","start":84.46,"end":84.96,"sentiment":"neutral","sentiment_score":0.2975446283817291}],"sentiment":"positive","sentiment_score":0.43745814157383783,"channel":1,"num_words":14,"start":80.62,"end":84.96},{"sentences":[{"text":"It's okay.","start":85.63,"end":86.28999,"sentiment":"positive","sentiment_score":0.38855530321598053}],"sentiment":"positive","sentiment_score":0.38855530321598053,"channel":0,"num_words":2,"start":85.63,"end":86.28999},{"sentences":[{"text":"appreciate it and being flexible around the timing.","start":85.82,"end":88.16,"sentiment":"positive","sentiment_score":0.4248622767627239},{"text":"Let me just give you the the background of of of why we're here.","start":89.1,"end":93.28,"sentiment":"neutral","sentiment_score":0.12563696769731386},{"text":"Louis, I'm 68 years old,","start":94.3,"end":96.015,"sentiment":"neutral","sentiment_score":0.051935181766748426}],"sentiment":"neutral","sentiment_score":0.2006478396554788,"channel":1,"num_words":27,"start":85.82,"end":96.015},{"sentences":[{"text":"Yep.","start":96.365,"end":96.865,"sentiment":"neutral","sentiment_score":0.04688572138547897}],"sentiment":"neutral","sentiment_score":0.04688572138547897,"channel":0,"num_words":1,"start":96.365,"end":96.865},{"sentences":[{"text":"Had a corporate career in food and beverage manufacturing.","start":97.775,"end":102.275,"sentiment":"neutral","sentiment_score":0.034616984633935824},{"text":"Then went into small business and then eventually had my own business for about eight or nine years.","start":103.695,"end":110.78,"sentiment":"neutral","sentiment_score":0.04578324355598953},{"text":"Came out of that in 2017.","start":111.799995,"end":113.56,"sentiment":"neutral","sentiment_score":0.07133099747200806},{"text":"It's been solving work for a few years, and I've just reinvented myself into a a new role in the public service.","start":113.56,"end":121.02,"sentiment":"neutral","sentiment_score":0.1003118541769006}],"sentiment":"neutral","sentiment_score":0.06855450949885629,"channel":1,"num_words":55,"start":97.775,"end":121.02},{"sentences":[{"text":"Yep.","start":121.83501,"end":122.33501,"sentiment":"neutral","sentiment_score":0.02193867787718773}],"sentiment":"neutral","sentiment_score":0.02193867787718773,"channel":0,"num_words":1,"start":121.83501,"end":122.33501},{"sentences":[{"text":"The issue I have is that sorry.","start":123.235,"end":126.595,"sentiment":"neutral","sentiment_score":-0.11814294223274503},{"text":"And that that role now is with the Department of Health Affairs and","start":126.595,"end":131.235,"sentiment":"neutral","sentiment_score":-0.08159329398320271}],"sentiment":"neutral","sentiment_score":-0.09438567087054253,"channel":1,"num_words":20,"start":123.235,"end":131.235},{"sentences":[{"text":"Yep.","start":131.05,"end":131.55,"sentiment":"neutral","sentiment_score":-0.0508066825568676}],"sentiment":"neutral","sentiment_score":-0.0508066825568676,"channel":0,"num_words":1,"start":131.05,"end":131.55},{"sentences":[{"text":"the Australian Border Force.","start":131.235,"end":132.535,"sentiment":"neutral","sentiment_score":-0.056633361615240574},{"text":"So and I've been in that role now for about four years.","start":132.595,"end":136.44,"sentiment":"neutral","sentiment_score":0.030376626178622246},{"text":"So I have no intention of stopping working, and you'll probably see why in a moment.","start":138.84,"end":143.34,"sentiment":"neutral","sentiment_score":0.0049107917584478855}],"sentiment":"neutral","sentiment_score":0.006767460494302213,"channel":1,"num_words":32,"start":131.235,"end":143.34},{"sentences":[{"text":"Yeah.","start":143.86499,"end":144.36499,"sentiment":"neutral","sentiment_score":0.020590417087078094}],"sentiment":"neutral","sentiment_score":0.020590417087078094,"channel":0,"num_words":1,"start":143.86499,"end":144.36499},{"sentences":[{"text":"Over the years of running my so so I lived through a period in my career where superannuation wasn't really a 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are a lot of my years that that there was no no such thing as superannuation until I came in in the late, I don't know, late eighties,","start":154.565,"end":163.85,"sentiment":"neutral","sentiment_score":-0.042653215984845984}],"sentiment":"neutral","sentiment_score":-0.042653215984845984,"channel":1,"num_words":29,"start":154.565,"end":163.85},{"sentences":[{"text":"Nineties.","start":163.495,"end":163.995,"sentiment":"neutral","sentiment_score":-0.030796673148870468}],"sentiment":"neutral","sentiment_score":-0.030796673148870468,"channel":0,"num_words":1,"start":163.495,"end":163.995},{"sentences":[{"text":"I 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of","start":2519.7,"end":2522.5,"sentiment":"neutral","sentiment_score":0.18736429725374495}],"sentiment":"neutral","sentiment_score":0.17948786541819572,"channel":0,"num_words":8,"start":2517.3,"end":2522.5},{"sentences":[{"text":"Yep.","start":2525.445,"end":2525.945,"sentiment":"neutral","sentiment_score":0.20072585344314575}],"sentiment":"neutral","sentiment_score":0.20072585344314575,"channel":1,"num_words":1,"start":2525.445,"end":2525.945},{"sentences":[{"text":"So I'm able to go ahead and technically do all of this first.","start":2526.805,"end":2529.7651,"sentiment":"neutral","sentiment_score":0.31467468119584596},{"text":"And the reason we do it that way is so the Royal Commission came through in 2018, and and this like, Oakview Financial has been around since 2019.","start":2529.7651,"end":2540.105,"sentiment":"neutral","sentiment_score":0.2313915528357029},{"text":"Both of the directors, Severiano Zata and Bart or Barth Barth Ryan,","start":2540.64,"end":2546.98,"sentiment":"neutral","sentiment_score":0.08710005631049474}],"sentiment":"neutral","sentiment_score":0.2191497171824833,"channel":0,"num_words":53,"start":2526.805,"end":2546.98},{"sentences":[{"text":"Yeah.","start":2547.575,"end":2548.075,"sentiment":"neutral","sentiment_score":0.09153469651937483}],"sentiment":"neutral","sentiment_score":0.09153469651937483,"channel":1,"num_words":1,"start":2547.575,"end":2548.075},{"sentences":[{"text":"had been in the industries like myself for a little bit over a decade, and they came from quite large firms who would charge clients $5 for a piece of advice, so a statement of advice, the document that I would draw up for you.","start":2548.4,"end":2565.565,"sentiment":"neutral","sentiment_score":0.0881193410191271},{"text":"And","start":2565.705,"end":2565.945,"sentiment":"neutral","sentiment_score":0.1268901228904724}],"sentiment":"neutral","sentiment_score":0.08896218410328678,"channel":0,"num_words":46,"start":2548.4,"end":2565.945},{"sentences":[{"text":"Yes.","start":2565.7551,"end":2566.2551,"sentiment":"neutral","sentiment_score":0.16066642105579376}],"sentiment":"neutral","sentiment_score":0.16066642105579376,"channel":1,"num_words":1,"start":2565.7551,"end":2566.2551},{"sentences":[{"text":"what that what they would what that would result in is the client paying 2 and a half grand for this conversation,","start":2565.945,"end":2571.005,"sentiment":"neutral","sentiment_score":0.24541922049088913}],"sentiment":"neutral","sentiment_score":0.24541922049088913,"channel":0,"num_words":22,"start":2565.945,"end":2571.005},{"sentences":[{"text":"Yeah.","start":2572.155,"end":2572.655,"sentiment":"positive","sentiment_score":0.4221240282058716}],"sentiment":"positive","sentiment_score":0.4221240282058716,"channel":1,"num_words":1,"start":2572.155,"end":2572.655},{"sentences":[{"text":"which then resulted in clients accepting whatever advice came across the table because they wanted to see a return on the investment that they'd already put in.","start":2572.7202,"end":2579.62,"sentiment":"positive","sentiment_score":0.5238957526507201}],"sentiment":"positive","sentiment_score":0.5238957526507201,"channel":0,"num_words":27,"start":2572.7202,"end":2579.62},{"sentences":[{"text":"Yeah.","start":2579.915,"end":2580.3,"sentiment":"positive","sentiment_score":0.3816372752189636}],"sentiment":"positive","sentiment_score":0.3816372752189636,"channel":1,"num_words":1,"start":2579.915,"end":2580.3},{"sentences":[{"text":"The boys both wanna basically put money where our mouth is, put our right foot forward, and show you what we can do before you have to put any money on the line or, you know, agree to anything.","start":2580.6401,"end":2593.325,"sentiment":"neutral","sentiment_score":0.2604436966089102}],"sentiment":"neutral","sentiment_score":0.2604436966089102,"channel":0,"num_words":39,"start":2580.6401,"end":2593.325},{"sentences":[{"text":"Okay.","start":2593.9001,"end":2594.4001,"sentiment":"neutral","sentiment_score":0.13650548458099365}],"sentiment":"neutral","sentiment_score":0.13650548458099365,"channel":1,"num_words":1,"start":2593.9001,"end":2594.4001},{"sentences":[{"text":"Just","start":2596.265,"end":2596.585,"sentiment":"neutral","sentiment_score":-0.06968024373054504}],"sentiment":"neutral","sentiment_score":-0.06968024373054504,"channel":0,"num_words":1,"start":2596.265,"end":2596.585},{"sentences":[{"text":"No.","start":2596.385,"end":2596.545,"sentiment":"neutral","sentiment_score":-0.24455022811889648},{"text":"That's","start":2596.545,"end":2597.045,"sentiment":"neutral","sentiment_score":-0.15086060762405396}],"sentiment":"neutral","sentiment_score":-0.19770541787147522,"channel":1,"num_words":2,"start":2596.385,"end":2597.045},{"sentences":[{"text":"putting faith","start":2596.585,"end":2597.485,"sentiment":"neutral","sentiment_score":-0.3242560625076294}],"sentiment":"neutral","sentiment_score":-0.3242560625076294,"channel":0,"num_words":2,"start":2596.585,"end":2597.485},{"sentences":[{"text":"cool.","start":2597.105,"end":2597.605,"sentiment":"neutral","sentiment_score":-0.008255451917648315}],"sentiment":"neutral","sentiment_score":-0.008255451917648315,"channel":1,"num_words":1,"start":2597.105,"end":2597.605},{"sentences":[{"text":"faith and trust back into the industry.","start":2597.545,"end":2599.245,"sentiment":"neutral","sentiment_score":0.08071911428123713}],"sentiment":"neutral","sentiment_score":0.08071911428123713,"channel":0,"num_words":7,"start":2597.545,"end":2599.245},{"sentences":[{"text":"What I do notice, Larissa, not wanting to inflate the issue or inflate the issue.","start":2599.9849,"end":2608.005,"sentiment":"neutral","sentiment_score":-0.2690376033385595}],"sentiment":"neutral","sentiment_score":-0.2690376033385595,"channel":1,"num_words":15,"start":2599.9849,"end":2608.005},{"sentences":[{"text":"Mhmm.","start":2608.4202,"end":2608.9202,"sentiment":"neutral","sentiment_score":0.009282502345740795}],"sentiment":"neutral","sentiment_score":0.009282502345740795,"channel":0,"num_words":1,"start":2608.4202,"end":2608.9202},{"sentences":[{"text":"I am able to salary sacrifice these fees.","start":2609.19,"end":2612.57,"sentiment":"neutral","sentiment_score":0.1879866188392043},{"text":"So that's interesting.","start":2612.95,"end":2614.25,"sentiment":"neutral","sentiment_score":0.171585942308108}],"sentiment":"neutral","sentiment_score":0.18351370705799622,"channel":1,"num_words":11,"start":2609.19,"end":2614.25},{"sentences":[{"text":"Yes.","start":2615.395,"end":2615.7148,"sentiment":"neutral","sentiment_score":0.17962338030338287},{"text":"Yeah.","start":2615.7148,"end":2616.035,"sentiment":"neutral","sentiment_score":0.1657300591468811},{"text":"Yeah.","start":2616.035,"end":2616.515,"sentiment":"neutral","sentiment_score":0.1605595201253891},{"text":"Essentially, you would be able to.","start":2616.515,"end":2617.875,"sentiment":"neutral","sentiment_score":0.17201071480909982},{"text":"Yeah.","start":2617.875,"end":2618.375,"sentiment":"neutral","sentiment_score":0.16122373938560486}],"sentiment":"neutral","sentiment_score":0.1699200987815857,"channel":0,"num_words":10,"start":2615.395,"end":2618.375},{"sentences":[{"text":"Yeah.","start":2618.63,"end":2619.13,"sentiment":"neutral","sentiment_score":0.17710359394550323},{"text":"So we can we can set that up as part of this arrangement.","start":2619.51,"end":2622.33,"sentiment":"neutral","sentiment_score":0.2682490853162912},{"text":"Alright.","start":2624.895,"end":2625.375,"sentiment":"neutral","sentiment_score":0.1705794334411621},{"text":"Do you wanna send me an email with what you need?","start":2625.375,"end":2627.955,"sentiment":"neutral","sentiment_score":0.16079652444882828}],"sentiment":"neutral","sentiment_score":0.21552626559367546,"channel":1,"num_words":26,"start":2618.63,"end":2627.955},{"sentences":[{"text":"I sure can.","start":2628.2102,"end":2629.27,"sentiment":"neutral","sentiment_score":0.1797565072774887}],"sentiment":"neutral","sentiment_score":0.1797565072774887,"channel":0,"num_words":3,"start":2628.2102,"end":2629.27},{"sentences":[{"text":"And I'll very quickly pull that together.","start":2629.7751,"end":2632.7551,"sentiment":"neutral","sentiment_score":0.1779531410762242}],"sentiment":"neutral","sentiment_score":0.1779531410762242,"channel":1,"num_words":7,"start":2629.7751,"end":2632.7551},{"sentences":[{"text":"No.","start":2633.33,"end":2633.6501,"sentiment":"neutral","sentiment_score":-0.03186897933483124},{"text":"Absolutely.","start":2633.6501,"end":2634.1501,"sentiment":"neutral","sentiment_score":0.10443049669265748},{"text":"I will just triple check-in my system because I know you're a new client.","start":2634.37,"end":2638.6301,"sentiment":"neutral","sentiment_score":0.08562844033752169}],"sentiment":"neutral","sentiment_score":0.07945998013019562,"channel":0,"num_words":16,"start":2633.33,"end":2638.6301},{"sentences":[{"text":"That's","start":2638.47,"end":2638.97,"sentiment":"neutral","sentiment_score":0.09620528668165208}],"sentiment":"neutral","sentiment_score":0.09620528668165208,"channel":1,"num_words":1,"start":2638.47,"end":2638.97},{"sentences":[{"text":"I just wanna make sure that we oh, yeah.","start":2639.33,"end":2643.075,"sentiment":"neutral","sentiment_score":0.08669761278563076},{"text":"Markrwally8@gmail.com?","start":2643.075,"end":2645.495,"sentiment":"neutral","sentiment_score":0.04501029849052429}],"sentiment":"neutral","sentiment_score":0.0825288813561201,"channel":0,"num_words":10,"start":2639.33,"end":2645.495},{"sentences":[{"text":"it.","start":2645.1099,"end":2645.6099,"sentiment":"neutral","sentiment_score":0.046055976301431656}],"sentiment":"neutral","sentiment_score":0.046055976301431656,"channel":1,"num_words":1,"start":2645.1099,"end":2645.6099},{"sentences":[{"text":"Perfect.","start":2646.835,"end":2647.155,"sentiment":"positive","sentiment_score":0.5626037120819092},{"text":"Alright.","start":2647.155,"end":2647.475,"sentiment":"positive","sentiment_score":0.3803004026412964},{"text":"Well, you'll have an email from me within a few moments.","start":2647.475,"end":2650.695,"sentiment":"positive","sentiment_score":0.3549763262271881}],"sentiment":"positive","sentiment_score":0.3728956694786365,"channel":0,"num_words":13,"start":2646.835,"end":2650.695},{"sentences":[{"text":"Perfect, Marissa.","start":2651.83,"end":2652.63,"sentiment":"positive","sentiment_score":0.7340986430644989},{"text":"Thank you.","start":2652.63,"end":2653.245,"sentiment":"positive","sentiment_score":0.759954184293747}],"sentiment":"positive","sentiment_score":0.7470264136791229,"channel":1,"num_words":4,"start":2651.83,"end":2653.245},{"sentences":[{"text":"Not a problem at all, Mark.","start":2653.73,"end":2655.0898,"sentiment":"positive","sentiment_score":0.6155396600564321},{"text":"I will get everything rolling for you, and I'll turn it all around.","start":2655.0898,"end":2659.0898,"sentiment":"positive","sentiment_score":0.7503262804104731},{"text":"And I'll be in touch when I have it all done","start":2659.0898,"end":2662.39,"sentiment":"positive","sentiment_score":0.5315671265125275}],"sentiment":"positive","sentiment_score":0.6431572665770848,"channel":0,"num_words":30,"start":2653.73,"end":2662.39},{"sentences":[{"text":"Great.","start":2662.6052,"end":2663.0051,"sentiment":"positive","sentiment_score":0.6541458368301392},{"text":"That's","start":2663.0051,"end":2663.5051,"sentiment":"positive","sentiment_score":0.44698891043663025}],"sentiment":"positive","sentiment_score":0.5505673736333847,"channel":1,"num_words":2,"start":2662.6052,"end":2663.5051},{"sentences":[{"text":"before","start":2663.17,"end":2663.5698,"sentiment":"positive","sentiment_score":0.39179491996765137}],"sentiment":"positive","sentiment_score":0.39179491996765137,"channel":0,"num_words":1,"start":2663.17,"end":2663.5698},{"sentences":[{"text":"true.","start":2663.5652,"end":2664.0652,"sentiment":"neutral","sentiment_score":0.2554708421230316}],"sentiment":"neutral","sentiment_score":0.2554708421230316,"channel":1,"num_words":1,"start":2663.5652,"end":2664.0652},{"sentences":[{"text":"end of financial year.","start":2663.5698,"end":2664.79,"sentiment":"neutral","sentiment_score":0.15067173540592194}],"sentiment":"neutral","sentiment_score":0.15067173540592194,"channel":0,"num_words":4,"start":2663.5698,"end":2664.79},{"sentences":[{"text":"Thanks for your time.","start":2667.405,"end":2668.3652,"sentiment":"positive","sentiment_score":0.7537389695644379},{"text":"Appreciate it.","start":2668.3652,"end":2669.13,"sentiment":"positive","sentiment_score":0.7439057230949402},{"text":"It.","start":2669.13,"end":2669.63,"sentiment":"positive","sentiment_score":0.4024066329002381}],"sentiment":"positive","sentiment_score":0.7007391367639814,"channel":1,"num_words":7,"start":2667.405,"end":2669.63},{"sentences":[{"text":"Not a problem at all, Mark.","start":2669.525,"end":2670.645,"sentiment":"positive","sentiment_score":0.5740515391031901},{"text":"Thanks so much.","start":2670.645,"end":2671.365,"sentiment":"positive","sentiment_score":0.8619937499364217},{"text":"You have a good one.","start":2671.365,"end":2672.425,"sentiment":"positive","sentiment_score":0.7966411113739014},{"text":"K.","start":2673.525,"end":2674.025,"sentiment":"neutral","sentiment_score":0.22500458359718323},{"text":"Bye.","start":2674.325,"end":2674.825,"sentiment":"neutral","sentiment_score":-0.08810460567474365}],"sentiment":"positive","sentiment_score":0.634399751201272,"channel":0,"num_words":16,"start":2669.525,"end":2674.825}]},"summary":{"result":"success","short":"The speaker from Oakview Financial discusses their desire to understand their retirement plans and retirement retirement goals before their retirement age. They discuss their retirement plans, income, and assets, including their wife's retirement status and potential savings. The speaker emphasizes the importance of living without the money until submitting a tax return and provides a list of documents for the customer. They also explain the benefits of using a carry-forward rule and the process for submitting a notice of intent to claim for tax savings. The speaker emphasizes the importance of living without the money until submitting a tax return and mentions fees and fees for ongoing advice."},"intents":{"segments":[{"text":"And my whole role is as a financial planner is to basically during a conversation like this is to meet and get an understanding as to where you're sitting, what's going on with life, and, ultimately, what goals, short and long term, you have planned for yourself so we can achieve those. Yep.","start_word":101,"end_word":153,"intents":[{"intent":"Understand conversation","confidence_score":0.000009699916}]},{"text":"Over the years of running my so so I lived through a period in my career where superannuation wasn't really a thing. Right?","start_word":372,"end_word":394,"intents":[{"intent":"Explaining superannuation as a commodity","confidence_score":0.000006505465}]},{"text":"we we recently moved to the Northern Rivers from Sydney. Sold our home down in Sydney. Moved up moved up here and we're now in Yamba. And we're building a place here in Yamba. And that should be finished in about twelve months time.","start_word":608,"end_word":651,"intents":[{"intent":"Providing information about current situation","confidence_score":0.000093483046},{"intent":"Saying goodbye","confidence_score":0.00016473698},{"intent":"Explaining future plans","confidence_score":0.019425547},{"intent":"Discussing current situation in yamba","confidence_score":0.000047378235},{"intent":"Suggesting future communication","confidence_score":0.0032207267}]},{"text":"So what I'm doing and and what why I'm having this call is because pretty it's, you know, pretty pretty simple to understand my position. But what I'm what I'm interested in is understanding, you know, I I can run the spreadsheet. So I've I've run my spreadsheet. Yeah.","start_word":653,"end_word":701,"intents":[{"intent":"Expressing interest in spreadsheet","confidence_score":0.063432254}]},{"text":"So what I'm doing and and what why I'm having this call is because pretty it's, you know, pretty pretty simple to understand my position. But what I'm what I'm interested in is understanding, you know, I I can run the spreadsheet. So I've I've run my spreadsheet. Yeah. But there's there's no guarantee that it's accurate. Obviously, this is not my area of expertise.","start_word":653,"end_word":717,"intents":[{"intent":"Explaining current position","confidence_score":0.01329873},{"intent":"Giving a reason for asking for clarification","confidence_score":4.154635e-7}]},{"text":"But there's there's no guarantee that it's accurate. Obviously, this is not my area of expertise.","start_word":702,"end_word":717,"intents":[{"intent":"Expressing concern about accurate projections","confidence_score":1.4798209e-7}]},{"text":"So the key key for me is to keep myself fit and healthy so I can get to that point.","start_word":746,"end_word":765,"intents":[{"intent":"Optimize finances and investments","confidence_score":2.8654685e-7}]},{"text":"And I just I just wondered whether, is there a is there a model that we can punch some numbers into and start running some modeling to see what all that looks like?","start_word":1140,"end_word":1172,"intents":[{"intent":"Evaluate modeling capabilities","confidence_score":0.02510192}]},{"text":"My super ends up being around about $200,000 or thereabouts. You know, we top it up with a bit of cash, bring it up to $400,000. Then, you know, with that plus some cash investment, probably we're probably getting close. Yep.","start_word":1439,"end_word":1479,"intents":[{"intent":"Discuss super super and age pension","confidence_score":0.01730963}]},{"text":"is what's the value of the home when we're finished building? Go ahead.","start_word":1604,"end_word":1616,"intents":[{"intent":"Discuss home value","confidence_score":0.21653096}]},{"text":"So I'm probably gonna have to take a modest mortgage of about 300 when once we're all up. So Okay.","start_word":1649,"end_word":1668,"intents":[{"intent":"Discuss mortgage","confidence_score":0.1696614}]},{"text":"And we would we would seek to dispose of that as soon as we got some money. So my expectation is that within five years, we won't have that mortgage around. Yeah.","start_word":1728,"end_word":1759,"intents":[{"intent":"Discuss potential dissolution","confidence_score":0.0013272673}]},{"text":"I'm assuming you are married or partnered? I am.","start_word":1768,"end_word":1776,"intents":[{"intent":"Confirm marriage","confidence_score":0.40096512}]},{"text":"So with respect to the money that we're going we're estimating that we're gonna receive in about five years, the mill, Mhmm.","start_word":2113,"end_word":2134,"intents":[{"intent":"Estimate the amount received","confidence_score":0.000050481478}]},{"text":"would probably be my question. And then even I mean, at the moment, I think I can I can put money in a super and take it straight out again? Pretty So much.","start_word":2636,"end_word":2668,"intents":[{"intent":"Discuss options","confidence_score":0.021741217},{"intent":"Set up","confidence_score":0.000013808815}]},{"text":"would probably be my question. And then even I mean, at the moment, I think I can I can put money in a super and take it straight out again? Pretty So much. whether whether super is still the the right vehicle or whether we should be doing something else. I mean, I I don't know. These are all Questions? questions Yeah.","start_word":2636,"end_word":2697,"intents":[{"intent":"Share thoughts","confidence_score":0.00009705045}]},{"text":"whether whether super is still the the right vehicle or whether we should be doing something else.","start_word":2669,"end_word":2685,"intents":[{"intent":"Discuss car purchases","confidence_score":0.00028184307}]},{"text":"They have a specific deemed calculator that you use, and it's it's very minimal rates. It's sitting at sort of there's two different sections for how the calculator works. There's basically 3.25% is how they deem income.","start_word":3062,"end_word":3098,"intents":[{"intent":"Analyze income","confidence_score":0.022632618}]},{"text":"they then utilize that to determine, well, if you have this many this this much in financial assets, you are deemed to have this much income. Is that above or below our minimum, maximum allowable income? Yep.","start_word":3128,"end_word":3164,"intents":[{"intent":"Evaluate income maximization","confidence_score":0.02746192}]},{"text":"But there are other ways to do it, like put the money inside bonds Yep. that are not means tested for Centrelink, have a ten year maturity, which means that you're putting money away for the kids for when they get older.","start_word":3457,"end_word":3498,"intents":[{"intent":"Discuss asset options","confidence_score":0.006267209}]},{"text":"the super fund and I can Mhmm. draw it out right away at 15%. Well, you don't so when the money lands in the super environment, the 15% would come off. And then when you pull it out, it's tax free. Yep.","start_word":4172,"end_word":4213,"intents":[{"intent":"Evaluate super fund benefits","confidence_score":0.0017867498}]},{"text":"then submit you could then submit what's called, like, a notice of intent to claim, which enables the super fund to convert those money into concessional contributions, and then you just draw that back out whenever you wanted to.","start_word":4516,"end_word":4554,"intents":[{"intent":"Submit notice","confidence_score":0.51648885}]},{"text":"You would submit a notice of intent to claim. When you submit your tax return next year, you would get the tax that you paid on those funds back in your tax return. So it comes back into your back pocket that way.","start_word":4758,"end_word":4800,"intents":[{"intent":"Request tax return","confidence_score":0.0014139937}]},{"text":"We can we can pretty much reassume what what how much has been paid in.","start_word":5318,"end_word":5332,"intents":[{"intent":"Reassume payment amount","confidence_score":0.09488323}]},{"text":"Now, realistically, from an initial consultation, what happens from my side is I would generally get, you know, a prospective client to provide me with a number of other, like, documents and information.","start_word":5425,"end_word":5457,"intents":[{"intent":"Provide documents and information","confidence_score":0.36222672}]},{"text":"And then should you so choose to accept my advice and have me implement it, I would become an ongoing adviser for you, and I would be able to work through implementing those things.","start_word":5534,"end_word":5567,"intents":[{"intent":"Be adviser","confidence_score":0.024034925},{"intent":"Work through implementation","confidence_score":0.1742969}]},{"text":"If you chose not to accept my advice, then I would shake your hand, metaphorically speaking, and you would be welcome to, you know, go off and either do it yourself and or look at other avenues. Yep.","start_word":5568,"end_word":5605,"intents":[{"intent":"Accept advice","confidence_score":0.18272234}]},{"text":"So if you really wanna look at trying to put money into the Superfund this year, I will basically need all of the documents within the next couple of days.","start_word":5640,"end_word":5669,"intents":[{"intent":"Request documents","confidence_score":0.44745103}]},{"text":"So if you really wanna look at trying to put money into the Superfund this year, I will basically need all of the documents within the next couple of days. Yep.","start_word":5640,"end_word":5670,"intents":[{"intent":"Discuss superfund situation","confidence_score":0.00015761997}]},{"text":"But rather just increased substantially my Salary sacrifice. Yep. salary sacrifice. Yep. That that's a significant tax saving by doing that. Yes. It is. So I can what put it I into the pull it out of the super at a lower rate and get it and just take the tax benefit. Right? yes.","start_word":6016,"end_word":6069,"intents":[{"intent":"Comparing income","confidence_score":0.000065448534}]},{"text":"So I can what put it I into the pull it out of the super at a lower rate and get it and just take the tax benefit. Right? yes.","start_word":6039,"end_word":6068,"intents":[{"intent":"Calculating tax benefit","confidence_score":0.034600556}]},{"text":"My wife just walked in. Linda, do you remember when that when that next rollover date is on Latrobe? Is this June?","start_word":6185,"end_word":6206,"intents":[{"intent":"Seeking information about latrobe rollover date","confidence_score":0.000019926878}]},{"text":"And that should that should theoretically be on the electrode reports that you can Yeah.","start_word":6247,"end_word":6261,"intents":[{"intent":"Checking electrode reports","confidence_score":0.121269494}]},{"text":"And and to be clear, there's there's never any way unless someone has liquid funds that they're willing to put into their super fund and have that sitting there for an extended period of time, then I would recommend that you go ahead and put what I'm gonna assume is to a $100,000 into the fund.","start_word":6287,"end_word":6342,"intents":[{"intent":"Comparing funds","confidence_score":0.011799079},{"intent":"Recommending going ahead","confidence_score":0.00011506589}]},{"text":"Just can you give me an understanding of your fees and how they and how they work? Yep.","start_word":6605,"end_word":6622,"intents":[{"intent":"Understanding charges","confidence_score":3.571647e-8}]},{"text":"So so initially, for this advice you're about I'm asking you to provide, is that $1,500 or or is that a calculation of the amount of money we're talking about? Mhmm.","start_word":6790,"end_word":6820,"intents":[{"intent":"Educate about program costs","confidence_score":7.471469e-8}]}]},"sentiments":{"segments":[{"text":"My boss. Hi, Mark. It's Larissa from Oakview Financial. How are you going? I'm well. Sorry. I didn't quite get to the phone in time. Right No. That's okay. I I always have a rule of thumb. I wait a couple of minutes and then give a quick call because I then. understand that mad dash. That's alright. I was in the middle of doing something.","start_word":0,"end_word":65,"sentiment":"neutral","sentiment_score":0.07785750925540924},{"text":"So that's all good.","start_word":66,"end_word":69,"sentiment":"positive","sentiment_score":0.37459710240364075},{"text":"How are you?","start_word":70,"end_word":72,"sentiment":"neutral","sentiment_score":0.2432999610900879},{"text":"Very well. Thank you.","start_word":73,"end_word":76,"sentiment":"positive","sentiment_score":0.4377109408378601},{"text":"How are you?","start_word":77,"end_word":79,"sentiment":"neutral","sentiment_score":0.25235283374786377},{"text":"Good. Not bad. That's good.","start_word":80,"end_word":84,"sentiment":"positive","sentiment_score":0.418204128742218},{"text":"So to introduce myself, I'm the head of financial advice here at o two Financial, Yep. And my whole role is as a financial planner is to basically during a conversation like this is to meet and get an understanding as to where you're sitting, what's going on with life, and, ultimately, what goals, short and long term, you have planned for yourself so we can achieve those. Yep. Now, I guess, before I do jump into it, I do wanna let you know that our calls are recorded, if that's okay. Yeah. It's fine. Yeah. Cool. So I think the best way that I I like starting these meetings is to just get you to tell me about yourself and where where you Sure. sit Okay. and go So from there.","start_word":85,"end_word":216,"sentiment":"neutral","sentiment_score":0.1899375468492508},{"text":"so there is a first of all, thanks for setting up this time. I It's okay. appreciate it and being flexible around the timing.","start_word":217,"end_word":240,"sentiment":"positive","sentiment_score":0.42252910137176514},{"text":"Let me just give you the the background of of of why we're here. Louis, I'm 68 years old, Yep. Had a corporate career in food and beverage manufacturing. Then went into small business and then eventually had my own business for about eight or nine years. Came out of that in 2017. It's been solving work for a few years, and I've just reinvented myself into a a new role in the public service. Yep. The issue I have is that sorry. And that that role now is with the Department of Health Affairs and Yep. the Australian Border Force. So and I've been in that role now for about four years. So I have no intention of stopping working, and you'll probably see why in a moment. Yeah. Over the years of running my so so I lived through a period in my career where superannuation wasn't really a thing. Right? Yes. So Correct. there are a lot of my years that that there was no no such thing as superannuation until I came in in the late, I don't know, late eighties, Nineties. I guess. Yeah. Late Not nineties. early Yeah. That early nineties, it became mandatory, but early nineties. yeah. Yeah. It it started. So by then, I was kind of well well through my corporate career and punching out the other side. So I ended up starting my business, and I think I had about a $150,000 in super. Running my small biz my my business and not being able to make any contributions and watching my life insurances gobble up all my superannuation. Yeah. I pretty much I pretty much got to the point where I I had zero balance. So so superannuation just is not part of the part of the equation at all. Yep. So so I'm now in a in a role, obviously, where I get I get paid every fortnight and 15% superannuation goes into an account. And that's and that's and that's having a moment. So I think, you know, I think the last time I looked there was about $3,540,000 dollars sitting in that account. So, you know, pretty much by the rule. So Yeah. we we recently moved to the Northern Rivers from Sydney. Sold our home down in Sydney. Moved up moved up here and we're now in Yamba. And we're building a place here in Yamba. And that should be finished in about twelve months time. Mhmm. So what I'm doing and and what why I'm having this call is because pretty it's, you know, pretty pretty simple to understand my position. But what I'm what I'm interested in is understanding, you know, I I can run the spreadsheet. So I've I've run my spreadsheet. Yeah. But there's there's no guarantee that it's accurate. Obviously, this is not my area of expertise. So I've run my spreadsheet and I've said, look, I think I I'd like to be able to get to ten years work, which brings me to 2033.","start_word":241,"end_word":745,"sentiment":"neutral","sentiment_score":0.043122088768989736},{"text":"So the key key for me is to keep myself fit and healthy so I can get to that point.","start_word":746,"end_word":765,"sentiment":"positive","sentiment_score":0.6145414113998413},{"text":"When I get to that point, I'm gonna have about 200,000 in super is my guess looking at it. What I'm interested in is understanding, I guess, a few things. One is what's the relationship between my superannuation, the age pension, and how's that all kind of roll out? And then also understanding whether where where I can make lump sum contributions. We are looking down the barrel sometime in the next five years of probably getting a a chunk of money. And I I guess I'm trying to understand what the impact of that will be and where I best put that when we do get it. And we're probably talking around about probably about a million dollars. But some of that will go to pay off a a modest mortgage and and the rest will essentially be our future living. And then also understanding whether I can make some additional contributions now and what that looks like if I started doing that now. And, you know, we push ourselves out to that 2033. What does it then look like? I'm Okay. setting '20 I'm setting 2033 as a normal a normal date, only because that brings me to ten years. But, you Yes. know, if I can get myself to a financially secure position and give ourselves a reasonable lifestyle before that, then I'll I'll pull the pin earlier. But my my work is not is not I'm I'm an analyst, so I'm it's a pretty century job. It's, you know, you could you know, you just need brain power to do it. You don't really need to be you know, I'm not I'm not boarding ships and kicking down doors. So Yep.","start_word":766,"end_word":1050,"sentiment":"neutral","sentiment_score":0.1168346107006073},{"text":"I don't I I can I can do this job forever, you know?","start_word":1051,"end_word":1063,"sentiment":"negative","sentiment_score":-0.3919065594673157},{"text":"And and they don't you know, obviously, the government doesn't care how old I am, so long as I'm Yeah. still doing it quick.","start_word":1064,"end_word":1087,"sentiment":"neutral","sentiment_score":-0.17552490532398224},{"text":"So it's it's I'm in a I'm in a, you know, fortunate position where I can, you know, keep working and and and, you know, I've just gotta keep myself healthy, which which I am at the moment.","start_word":1088,"end_word":1125,"sentiment":"positive","sentiment_score":0.40309441089630127},{"text":"That's what Okay. so I guess that they're all like they're all the issues. And I just I just wondered whether, is there a is there a model that we can punch some numbers into and start running some modeling to see what all that looks like? Yes. So there there definitely is. There's a little bit more information I need to be able to do Go said for said it. Go modeling, for it. You but you ask the questions.","start_word":1126,"end_word":1206,"sentiment":"neutral","sentiment_score":0.06344979256391525},{"text":"but you've done very well to summarize everything.","start_word":1207,"end_word":1214,"sentiment":"positive","sentiment_score":0.3751523494720459},{"text":"Okay. So you said four years currently is what you've been employed in the public sector. That's So right. another six years would put you to, basically, your long service leave, which I assume is what you what you're referencing with regards to a payout. Yeah. I mean, look, it it just brings me to ten year point. As you know, look, Yeah. I mean, long service only, what is it, three months pay? I mean, it's not a it's not a killer amount of money. But but, you know, it just gives me a a a date to to to shoot for. And, Yeah. Yeah. you know, as I said, if we can get if I can get myself to a financially secure position before then it gives ourselves a reasonable last fall, then then I'll I'll fail early. We need to we need to to have about 6 and a half thousand dollars a month net to live Okay. That gives me a bit more. 6 and a off. So half you probably thousand. what what's that? $7,080,000 dollars a year. Yep. So, you know, it's yeah. Okay.","start_word":1215,"end_word":1404,"sentiment":"neutral","sentiment_score":-0.0124160535633564},{"text":"And Perfect.","start_word":1405,"end_word":1406,"sentiment":"positive","sentiment_score":0.3837343156337738},{"text":"my I mean, if I run my numbers, I go, okay. If I had 400,000 if if I had if I had it'd been $20.33, I don't make any additional contributions. My super ends up being around about $200,000 or thereabouts. You know, we top it up with a bit of cash, bring it up to $400,000. Then, you know, with that plus some cash investment, probably we're probably getting close. Yep. Ideally, I'd love to have $400,000 in super and get the age pension, then then we're then we're square. But Yeah.","start_word":1407,"end_word":1499,"sentiment":"neutral","sentiment_score":0.09233830620845158},{"text":"but that's but but then I've got this other issue of that that's only gonna you know, I can only get to that 400 if I if I tap into this cash and that cash is gonna cause a problem with the age pension. So, you know, we're probably gonna I I suspect we probably get we we can probably take the age pension out of the equation because I'm gonna we're gonna exceed that b dollar mark.","start_word":1500,"end_word":1577,"sentiment":"negative","sentiment_score":-0.4527687728404999},{"text":"Possibly. So okay. So let's let's let's do it this way. You said you're currently down in Yambo Yeah. build building a home. So what Yep. is what's the value of the home when we're finished building? Go ahead. It's a 1.8 bill, And we've got we started off the project at 1.5 in cash. And obviously, we've paid a bit out already on that. Yep. A deposit and so on. So I'm probably gonna have to take a modest mortgage of about 300 when once we're all up. So Okay. to square it all away, which I don't think that's gonna be I don't think that's that's that's not an issue. No. Because I'm, you know, I'm I'm I've got a reasonable pay, and and it's a very small loan against the equity in the in the property.","start_word":1578,"end_word":1716,"sentiment":"neutral","sentiment_score":-0.10451113432645798},{"text":"So I don't I don't foresee it being an issue.","start_word":1717,"end_word":1726,"sentiment":"negative","sentiment_score":-0.4999249279499054},{"text":"Yeah. And we would we would seek to dispose of that as soon as we got some money. So my expectation is that within five years, we won't have that mortgage around. Yeah. Oh, that's okay. Cool. So you reference we. I'm assuming you are married or partnered? I am. I Oh, okay.","start_word":1727,"end_word":1779,"sentiment":"neutral","sentiment_score":-0.110751599635718},{"text":"Perfect.","start_word":1780,"end_word":1780,"sentiment":"positive","sentiment_score":0.4450206160545349},{"text":"No. That's okay. am. Alright. My So wife my wife doesn't work. She's she's she's retired. perfect. No. That's okay. So let's go this way and slow it down and and take a a bit of a step back. So occupation wise, you're an analyst, Department of Home Affairs, Border Force, income Yep. that you currently receive from them? 100,000? Just over? Do you know what your gross annual is? That that's that number. Oh, it's I a think it's a 100? I think it's about a 102,000. They're about Okay. something like that. Mhmm. That's And perfect. it'll it'll go up it'll go up in the next little while by about three or 4%. I'm I'm expecting that'll change within the next twelve months. It'll probably jump to about 115, but let's not let's not bank that. Just No. leave it That's up a for the 100 moment. and two. No. That's Yep. okay. Perfect. And you stated that your employer pays 15%. They do. Super guarantee. Perfect. They Are we currently salary sacrificing or have any additional contribution arrangements? do. No. We don't, but that's part of my query. Yep. No. That's okay. Just wanted to double check whether we did. Okay. And then you said your wife doesn't work. That's Is right. in receipt of any benefits? Nope. No. No. All all of all of our money's in her name, obviously, for obvious reasons. But other than that, no. Nothing. Yeah. Yeah. Like, all the bank accounts and stuff are are Yeah. held by her. Yeah. Yeah. A lot cheaper when it comes to tax. Out outside of the PPR that we're building or the primary place of residence that we're building, what other Yep. assets do we currently hold? That's that's it. K. That's it. Cars, vehicles, Oh, you got trailers. a car. Coach. Yeah. It's a car. It's a car. Yep. That's Do you know I don't know how far that's 50 cool. thousand.","start_word":1781,"end_word":2109,"sentiment":"neutral","sentiment_score":0.019073030379201685},{"text":"Perfect.","start_word":2110,"end_word":2110,"sentiment":"positive","sentiment_score":0.6292582750320435},{"text":"Alright. Okay. So with respect to the money that we're going we're estimating that we're gonna receive in about five years, the mill, Mhmm. I'm going out on a leap and saying that it's set to be a wealth transfer from the It generation is. above you. Yeah. Correct. Yep. Cool. Okay. So with the million, it's obviously undetermined when that's going to land, but Yep. you are correct that it will obviously have an effect on Yep. you It and your does. overall positions. Yep. You almost not you don't wanna you almost don't wanna take it. Well, maybe maybe give me maybe give me a quarter of it. Someone else someone else have the rest. Anyway, I know. I know.","start_word":2111,"end_word":2232,"sentiment":"neutral","sentiment_score":0.020201988518238068},{"text":"It can be painful for that. it's stupid as well.","start_word":2233,"end_word":2242,"sentiment":"negative","sentiment_score":-0.504741370677948},{"text":"Yeah. You're So actually better off not not taking stuff not taking all of it anyway. But anyway it depends on how it's set to come to you. Do you know how the relative has the estate set up? Is it in a trust or is it just No. It's not in a trust. It's it's her personal wealth, Yep. and it's always being shared around the family. And Yeah. there are three girls, and my my wife will get a one third share. So Yep. so it's just it's just gonna come as as the the estate will pay the tax. It'll come it'll Yeah. come tax the estate will pay the tax on Yeah. on that Or whatever benefit. the benefits. Yeah. Absolutely. Yeah. Yeah. It'll it'll come tax paid. Yeah. And then, obviously, once you are in receipt of those of those those funds, it'll affect your overall position. I mean, That's the good thing is is that, theoretically, right. with regards to, like, part pension amounts, a couple combined can currently, at current rates, have up to 1.8 one point o eight five. So $1,085,000 for a homeowner, which, of course, is what you Yeah. would be. Based on the fact that you would have a $300,000 mortgage, million dollars paid, that'll take you down to about 700, then what your super has, you might be just skipping that part pension amount that would give you the ability to have part pension.","start_word":2243,"end_word":2488,"sentiment":"neutral","sentiment_score":0.04590989733341991},{"text":"The Yeah. cool thing about part pension is well, the pension as a whole is it's not just the money that you receive from Centrelink or services. It's the benefits. Correct. It's the cheap for electricity bill, the, you Benefits.","start_word":2489,"end_word":2528,"sentiment":"positive","sentiment_score":0.46386218070983887},{"text":"know, concession card, stuff like that. Yeah. Yeah. So pension could be on the cards. There is always what's called sheltering the money. So it it depends on what you're wanting to do. And, generally, it's not a conversation I would fully have with regards to the million dollars at the initial onset because it's not guaranteed, a, how much you're getting, or, b, when No. it's going to land. That's right. So That's currently, it's it it all it would be it I I'd I'd be interested to know that if if if and when it landed, theorized. what do we do with it? Would Yeah. would probably be my question. And then even I mean, at the moment, I think I can I can put money in a super and take it straight out again? Pretty So much. whether whether super is still the the right vehicle or whether we should be doing something else. I mean, I I don't know. These are all Questions? questions Yeah. that I had. And and right now, I'm looking at it going, you know, I could probably double my contributions at the moment. Mhmm. Mhmm. And that would have us well, based on what I can see, that would have a significant impact on on where we'd be by 2033.","start_word":2529,"end_word":2747,"sentiment":"neutral","sentiment_score":0.022546112537384033},{"text":"Yes. And it would also very much be tax savings as well.","start_word":2748,"end_word":2759,"sentiment":"positive","sentiment_score":0.5042517781257629},{"text":"So Yeah. Yep.","start_word":2760,"end_word":2762,"sentiment":"neutral","sentiment_score":0.24467501044273376},{"text":"it all depends on what you're wanting to get out of the con out of, I guess, this conversation because there is there is a 100% stuff that we can do to generate wealth in, like, more aggressive investments, like, can can definitely be a part of what we look at. We can definitely look at sheltering down the line, you know, even if it is a small portion.","start_word":2763,"end_word":2831,"sentiment":"positive","sentiment_score":0.388017863035202},{"text":"May I ask, in the life What's you've led that? Sorry. What does that mean? sheltering? Yeah. It's like legal hiding. It's the That's way I okay. kinda find it. I'm not So I'm I'm okay with that.","start_word":2832,"end_word":2869,"sentiment":"neutral","sentiment_score":-0.02938039042055607},{"text":"Just don't don't don't don't don't don't don't don't don't expose me financially. I'll I'll lose my security clearance.","start_word":2870,"end_word":2888,"sentiment":"negative","sentiment_score":-0.44841256737709045},{"text":"no. No. So Centrelink so right now, if you were to quit your job, Centrelink Yep. would look at you as as a whole. They would look at the fact that you are a 68 year old gentleman with let's just say you've moved into your home. You have a primary residence and you have x amount of assets. Your vehicle is a nonfinancial asset, so it Yeah. is assets tested, but it is not income tested. Yep. Any cash that you have in the bank, any money that you have in your superannuation fund, and any Yep. other shares or anything like that that you have are financial assets. Those assets are both asset tested and income tested. And the way they deem income is they use deeming rates. So they don't turn around and say, well, that money's in cash and the cash rate's 4.25%, and that money's invested in a aggressive portfolio. So we're gonna say that it's gonna generate 8% worth of returns, and therefore, your income is this. They have a specific deemed calculator that you use, and it's it's very minimal rates. It's sitting at sort of there's two different sections for how the calculator works. There's basically 3.25% is how they deem income. So, you know, if you have $200,000, it's debited 3.25%. And Yes. that's what the income that is assumed that you would derive from that asset. Yeah. So Yeah. they then utilize that to determine, well, if you have this many this this much in financial assets, you are deemed to have this much income. Is that above or below our minimum, maximum allowable income? Yep. Because the allowable income for CenturyLink to get full pension rates based on the income test is only $218 a fortnight. Very minimal. Now with your superannuation fund, it is a financial asset. Yep. So it is it is it is deemed. There are ways that you can it it's it's called sheltering, but there's, basically, there's ways that you can shelter the money so Centrelink can't see all of it. They Mhmm. can only basically see a portion of the money, and the money still exists. The money is still there. It's just that it is tested differently for Centrelink's purposes. Because rather than being superannuation held, it kind of falls under the life insurance act. So it becomes a bit bit of a different holding to how Centrelink holds. Okay. Good. Outside of that, what I was gonna ask is, do you have any children yourself? It'll run up. I I assume they might be grown up. The reason I ask is when and and, again, this is definitely a future conversation, but it's just something, I guess, for through through for thought. When you do receive the the mill, Yeah. obviously, the mortgage Jesus. is primary. Yeah. When the It when cost me it cost me a fortune this far this this this this far. Yeah. We could we could share it around. Yep. it can be, but the issue is is that's actually called gifting, and that Yep. would that would affect your Centrelink benefits if you were to just give money away because then Centrelink sees that as you trying to push your wealth onto family Mhmm. and keep it within the family, but not be tested against the tests that they test you against. Yep. But there are other ways to do it, like put the money inside bonds Yep. that are not means tested for Centrelink, have a ten year maturity, which means that you're putting money away for the kids for when they get older. I understand they would be older already. I'm assuming they're somewhere in their thirties or so or possibly older than that depending on how early we started. They're reaching for Cool. it. So So it it just depends if you on put what you're me in going full, to do do. you still have access to the income? So bonds? No. Bonds are generally yeah. You do. You you do have access to the to the to the funds, but how a bond works is basically after ten years, it's tax free Yeah. assets. Before ten years, it is sheltered, but it is you're tested against or you're you pay your marginal rate when you withdraw money. So it works the same as any kind of investment that you would sell. Okay. So if if you bought stocks on the market and then sold the stocks, it's the capital gains assessment on what Yep. you buy for, what did you sell for, what's the assumed or what's the the the rate of return that gets added to your assessable income and so on and so forth. Obviously, as a retire as as you know, if you were to retire, wouldn't really matter if you were to start liquidating stocks because The module you have right no you have no income. Yep. So definitely something that we can we can sort of look at when that becomes becomes a a issue, Yeah. I guess. Yep. Now now can I ask who or where does your superannuation currently fit? Government. It's It's the like q q super equivalent. no. It's the I call it CPSC or c Commonwealth Commonwealth Superfund Yep. or the Yep. Commonwealth government fund. Yes. No. I know. I know the I know I know the brand you're talking about.","start_word":2889,"end_word":3798,"sentiment":"neutral","sentiment_score":0.002012198561659226},{"text":"It's not it's not it's not the good one. Sorry. That's I okay. don't play for the good one.","start_word":3799,"end_word":3817,"sentiment":"negative","sentiment_score":-0.3945474922657013},{"text":"You'd be surprised, engineers are sitting inside government. Well, you're probably not gonna be surprised, but they're No. I'm not. all just they're all just sitting there waiting for their superannuation to mature. Yes. Yes. Right. Very much Pretty so.","start_word":3818,"end_word":3857,"sentiment":"neutral","sentiment_score":-0.1532408744096756},{"text":"pretty sad Yep.","start_word":3858,"end_word":3860,"sentiment":"negative","sentiment_score":-0.3383098542690277},{"text":"to watch, really. Yeah.","start_word":3861,"end_word":3864,"sentiment":"neutral","sentiment_score":-0.007448058575391769},{"text":"The public sector is a is a fun one just to watch.","start_word":3865,"end_word":3876,"sentiment":"positive","sentiment_score":0.46965858340263367},{"text":"Yeah. Okay. So your wife is of similar age to yourself? A couple of years Okay.","start_word":3877,"end_word":3892,"sentiment":"neutral","sentiment_score":0.04960543289780617},{"text":"Perfect.","start_word":3893,"end_word":3893,"sentiment":"positive","sentiment_score":0.35272377729415894},{"text":"And could I ask your actual date of birth just so I can younger. Yep. 12/1157. November. Perfect. And your wife's name so that way I don't just can keep Linda, Linda. l I n yep. Linda. LA India. Perfect. Linda. And switch them d three seven sixty. Oh, perfect. Oh, has a birthday coming up. Yeah. So Yep. with regards to and I guess this is currently, you're working full time, I would assume. So thirty eight hours a week and or Yep. more. Cool. There are avenues that can be taken currently Yep. by you with respect to your wage and income. So because you are in, like, earning a $100,000, and I'm getting around it purely and simply because it's a little bit easy palatable and Yep. we we like round numbers. So with a $100,000 income or 102, you sit inside the 30% tax bracket and marginal rate. So any money that you earn over $45,000 is taxed at 30<unk> on the dollar. So Yep. with respect to your income, what you could theoretically do, and it would depend on what you had access to in your concessional contribution caps, is you could actually salary sacrifice a lot more of your income. Not a Yep. 100%, but you could salary sacrifice quite a considerable amount of your income. And from that money going in, you could then draw it out tax free. So you would end up saving 15<unk> on every dollar because the superannuation tax rate is 15% versus 30. So I can just so I can understand what you just said, I Yeah. can sacrifice a chunk of money into Mhmm. the super fund and I can Mhmm. draw it out right away at 15%. Well, you don't so when the money lands in the super environment, the 15% would come off. And then when you pull it out, it's tax free. Yep. It's expert. But I can pull it at any time because I'm 68. Right? Yes.","start_word":3894,"end_word":4227,"sentiment":"neutral","sentiment_score":0.05428959162693894},{"text":"Correct. Well, that's a nice tax saving.","start_word":4228,"end_word":4234,"sentiment":"positive","sentiment_score":0.6574137806892395},{"text":"Yes. Now there's obviously rates that we need to be considerate of because currently, the concessional contribution caps are $30,000. Next year, they increase to 32,500. And if you exceed any of those caps within a given year, you end up paying what's called division two nine three tax, and you end up with a higher tax rate and all the rest of it. So it becomes less tax a becomes less tax effective. So there are considerations you need to make. However, because I your have balance is yep. low, I you have can access actually to I have access to concessional contributions, so I haven't exceeded those caps in the last five years. correct. So what I was gonna say is because your con your your balance is low, you Yes. can actually trigger and utilize what's called a carry forward rule, Yep. which is if your balance is under 500,000, which obviously it is, then you can utilize years gone by cats. Yep. Now we are obviously at the end of this financial year, which Yep.","start_word":4235,"end_word":4413,"sentiment":"neutral","sentiment_score":-0.019298339262604713},{"text":"means that you are about to lose the financial year for 1920.","start_word":4414,"end_word":4425,"sentiment":"negative","sentiment_score":-0.3980979323387146},{"text":"Yeah. The financial year said 2019 to 2020, which means you'll never be able to get that back. So theoretically speaking, if you had available cash, which I know you do currently because you're mid billed, is you could and I would theoretically, like, I this is not me recommending anything. This is me just talking. Yeah. Okay. I got it. Is we could put a lump sum month funds into your super funds. You could just pay it direct from your bank into your super fund. You Yeah. then submit you could then submit what's called, like, a notice of intent to claim, which enables the super fund to convert those money into concessional contributions, and then you just draw that back out whenever you wanted to. So it could sit in the super fund for the next blah months until you need the money to deal with the house build. It wouldn't really matter, and then you could just draw it out tax free. Because you are over 65, you have no limitations to what you can pull out of your fund. Theoretically, you could turn around today and pull the whole lot out. Yeah. Obviously, Yeah.","start_word":4426,"end_word":4624,"sentiment":"neutral","sentiment_score":0.0720041580685419},{"text":"Good.","start_word":4625,"end_word":4625,"sentiment":"positive","sentiment_score":0.3979175090789795},{"text":"that's not what you're wanting to do, but you know? No. Look. I'm actually trying to do the Yes. that we have invested, we've got a chunk of it with Police Bank and and then there's a chunk of it with Latrobe Financial. We live we live off the interest of that Yep. in addition to my my my salary. So we would need can we if we if we did that, I'd I'd I'd be dropping my my my income, my monthly income. And what you're living off currently. Yeah. Yeah. So you could put it in because what would hap so what happens under that scenario is it depends on how quickly you submit your tax return, really. But it is you would put money into the super fund. Yep. You would submit a notice of intent to claim. When you submit your tax return next year, you would get the tax that you paid on those funds back in your tax return. So it comes back into your back pocket that way. Oh, I see. I get the text back. Yes. You get the tax back because the assumption is is that you've already paid your marginal rate I on have. the funds that you put in. Yeah. Of course I you have. have. And I get difference between the marginal rate and the super rate. Is that right? Sure. Yep.","start_word":4626,"end_word":4859,"sentiment":"neutral","sentiment_score":0.028731150552630424},{"text":"Yeah. So you get that back. So that is something that you could do.","start_word":4860,"end_word":4873,"sentiment":"positive","sentiment_score":0.3905906081199646},{"text":"It just depends on how comfortable you are living without that money until you get your tax return submitted and la la la la.","start_word":4874,"end_word":4897,"sentiment":"neutral","sentiment_score":0.10598789900541306},{"text":"If you're a lazy person like me and doesn't look at your tax return until, like, September, October, because financial financial year gets very, very busy for me.","start_word":4898,"end_word":4925,"sentiment":"negative","sentiment_score":-0.43195104598999023},{"text":"I'm I think and my my I spoke to account the other day. I'm trying to get into do the last two years tax returns. So There.","start_word":4926,"end_word":4952,"sentiment":"neutral","sentiment_score":-0.15813802182674408},{"text":"so, yeah, I'm I'm we're we're we're behind.","start_word":4953,"end_word":4960,"sentiment":"negative","sentiment_score":-0.3465096056461334},{"text":"We always said we're on behind. Always. I do too. Don't worry. Every year, I'm like, we're gonna do it in July, and it never happens. So if you're already chasing your account to get two years worth of worth of fine like, tax returns done, you No you it could, especially if you're basically gonna sit down with I'm not him in July and get all three done. I I got it. I could I could talk to you about that and say, what what's the value of doing this? How fast can you turn around? I mean, he probably I'm not quite as you can see, I'm not that complicated anymore. So not it's not it will do my tax. No. So it's just So yeah. to be able to know exactly the amount that you could put in, what what we would realistically do is log in to myGov, which is a you thing, not a me thing because I can never no one can ever really log in to myGov apart from Yep. Yep. you. Is log in to myGov, go to the ATO if you have that linked, and then I did. in that menu, you can have a look at super. And then in that super menu, there's a drop down that says carry forward contributions. That will show you historically every year's worth of contributions that have been made, the total amount of contributions made. Yep. It'll show you what's left remaining in the caps. Because over Yep. the last, oh, I don't know, over the last decade, there's been a couple of different changes that have happened to Super. And one of those was obviously the rolling increase to concessional contributions and the increase with the caps. So the cap used to be, you know, 25,000, then it increased to 27 and a half. Now it's 30. Next year, it goes to 32 and a half. Your employer is obviously paying over the rate that the standard rate. Everyone else is on 12%. You're up on 15. Providing your employer has been paying 15 the whole time, Hunky dory. We can we can pretty much reassume what what how much has been paid in. Yep. But then it also depends because sometimes, depending on how the payment falls or the fortnight's full or the month or, you know, payroll pressing the button, you might have got a cheeky extra payment within a within a a financial year and then a one less in the next financial year, so to speak. It Yep. all just depends on how those those weeks do roll through and where the day is full. So, yeah, if you're able to obtain though those those rates, we can kinda go from there. Now, realistically, from an initial consultation, what happens from my side is I would generally get, you know, a prospective client to provide me with a number of other, like, documents and information. And then what I do is I put together a statement of advice, advising you on where to go, what to do, how to do it, what the tax savings look like, how we get to the strategies that you wanna get to, what the growth on your superannuation fund looks like, and then other superannuation funds, other investment options that are available in the market, how we do what we do, and on from there. And then should you so choose to accept my advice and have me implement it, I would become an ongoing adviser for you, and I would be able to work through implementing those things. If you chose not to accept my advice, then I would shake your hand, metaphorically speaking, and you would be welcome to, you know, go off and either do it yourself and or look at other avenues. Yep. So given the time sensitive side of things, give like, from what we've just discussed, if you would like to actually look at actioning anything in this financial year before it rolls over. So if you really wanna look at trying to put money into the Superfund this year, I will basically need all of the documents within the next couple of days. Yep. And I will email you with what I need, and it will be Latrobe statements, and it'll be the Police Credit Union statements, and it'll be, you know, the Superfund statements and balances and investments. And there was one more thing. Oh, and the my gov and the my gov screenshot of what Summary. available of a yes. Of what what Sure. you Yeah. have available. Yep. So that way, I can go through from there. And your last pay slip would be very useful if possible. Yep. Not too easy. So yeah. So if I send you an email with a request for those documents, from there, what I can do is I can start putting things together. Realistically, I'll have to have a look at the super fund that you're currently with to see when they have close off dates Yep. for any contributions and stuff made. Because so long as the money is in the account, all the paperwork on the back end can be done later, like, after the rollover of financial year. Yep. Some funds close the doors to their contributions early purely and simply because, otherwise, it's a mad dash for them. There are other bigger Yep. funds that actually put stuff on over the weekends. Because when contributions are made, they're made, and they go into a holding account within the super fund. They don't get allocated to the actual client account, and it's to get it done faster, they a lot of super funds put stuff on during the month of June to make sure that everything goes through. Okay. Got My it. favorite is when a client comes to me, like, three days before the end of financial year with a check. They're like, oh, I just wanna put this in. Not happening. So yeah. Can I just quickly backtrack to one thing Of you course. said? So with with my current salary, if we didn't put a lump a big lump Mhmm. lump of money in to soak up all of those backdated contributions, Yes. But rather just increased substantially my Salary sacrifice. Yep. salary sacrifice.","start_word":4961,"end_word":6025,"sentiment":"neutral","sentiment_score":0.03124512685156764},{"text":"Yep. That that's a significant tax saving by doing that. Yes. It is. So I can what put it I into the pull it out of the super at a lower rate and get it and just take the tax benefit.","start_word":6026,"end_word":6066,"sentiment":"positive","sentiment_score":0.45151808857917786},{"text":"Right? yes.","start_word":6067,"end_word":6068,"sentiment":"neutral","sentiment_score":0.2116187214851379},{"text":"Absolutely.","start_word":6069,"end_word":6069,"sentiment":"positive","sentiment_score":0.35391613841056824},{"text":"And I would I would calculate how that would look. So what what I'm what I'm kind of, I guess, mentally considering is the fact that we are about to lose a year. So Yeah. it's No.","start_word":6070,"end_word":6106,"sentiment":"neutral","sentiment_score":-0.1292273849248886},{"text":"it's a it's a rolling five years, and we're about to lose a year.","start_word":6107,"end_word":6120,"sentiment":"negative","sentiment_score":-0.35699155926704407},{"text":"And that's that's important. The the the the the money we've got in Police Bank, that's there's a million sitting in that. That's that's rolled over on a term deposit in April. So it's not gonna Replace should there be a it. Yep. no. No. The stuff with Latrobe is a chunk of money that's about to come out. I can't remember the date. My wife just walked in. Linda, do you remember when that when that next rollover date is on Latrobe? Is this June? Okay. It's this month. I'll check it. I'll check it. I think there is a some money that's about to roll out of Let's Latrobe. try. Yeah. So that might be an opportunity. I'll have a look at that. Yep. And that should that should theoretically be on the electrode reports that you can Yeah. provide He anyway. together. I should be able to get I should be able to find that pretty I'll just Yeah. log on and look. And and to be clear, there's there's never any way unless someone has liquid funds that they're willing to put into their super fund and have that sitting there for an extended period of time, then I would recommend that you go ahead and put what I'm gonna assume is to a $100,000 into the fund. What I'm Yep. the only thing I'm I'm spitballing is that we have a chunk of money that enables us to basically use a good portion of that one year. So it's probably gonna be in the vicinity of maybe 10 to $15 Yeah. for that one year that's about to roll off. That's all.","start_word":6121,"end_word":6397,"sentiment":"neutral","sentiment_score":-0.033350051928728495},{"text":"The other years, we can definitely use, and we can utilize them exactly as we've said Yep.","start_word":6398,"end_word":6414,"sentiment":"positive","sentiment_score":0.39891430735588074},{"text":"by You increasing can go salary back five sacrifice. years. Is it is it five years, Larissa? You can go Yes. back? Five. Yeah. Yeah. Five years. Yeah. Yeah. It's So if once you jump on my gov, it it literally it'll show you.","start_word":6415,"end_word":6458,"sentiment":"neutral","sentiment_score":0.003677675267681479},{"text":"It makes it really stupid proof.","start_word":6459,"end_word":6464,"sentiment":"negative","sentiment_score":-0.5298891067504883},{"text":"that They don't show you every single year. They just it show you the five you have looks access to. the five years, it it what would it be? About $25 a year average. Right? So Yeah. 25, 27 and a half, and 30, unfortunately. $20 or something? That we get that Yeah. Okay. Well, if you've been receiving 15% contributions on a $100,000, that's basically $15 a year, so it'll be the leftover of Oh, that. yeah. Cool. Yeah. Okay. So it'll be anywhere between that 10 and 15. Okay. Yeah. The math still works. And that's what work. Yeah. I'm I'd I'd like to go ahead and and get that done. I'm sorry. It'll load more work on you at this time of year. That's okay. It's what I'm here for. But that'd be that'd be good. Mhmm. Just can you give me an understanding of your fees and how they and how they work? Yep. So depends on the kind of structure that you want to look at going ahead with and how you wanna factor things in. But what we do is it's 3.3% upfront based on the funds under management that we're looking at basically managing Yep. or dealing with. From there, if you wanna enter into an ongoing agreement, ongoing advice where we continue to help you, then what we look at is 1.65% ongoing annually, and we can charge that across a month like, sorry, across the year monthly. If you just want a one off piece of advice that you're then able to implement, go, and hold, then that's absolutely fine as well.","start_word":6465,"end_word":6735,"sentiment":"neutral","sentiment_score":0.07245146362901393},{"text":"And then you can kind of always come back to us for, like, one off advice pieces or anything like that in the future, which is $1,500 when we sort of know your circumstances, know your situation, and we're able to basically have that conversation and just kinda Yep.","start_word":6736,"end_word":6784,"sentiment":"positive","sentiment_score":0.3981015384197235},{"text":"update and go from there. So so initially, for this advice you're about I'm asking you to provide, is that $1,500 or or is that a calculation of the amount of money we're talking about? Mhmm. It'd be 1,500 minimum. Okay. Okay. Yep. Okay. And that's payable on your acceptance of Yep. So I'm able to go ahead and technically do all of this first. And the reason we do it that way is so the Royal Commission came through in 2018, and and this like, Oakview Financial has been around since 2019. Both of the directors, Severiano Zata and Bart or Barth Barth Ryan, Yeah. had been in the industries like myself for a little bit over a decade, and they came from quite large firms who would charge clients $5 for a piece of advice, so a statement of advice, the document that I would draw up for you. And Yes. what that what they would what that would result in is the client paying 2 and a half grand for this conversation, Yeah.","start_word":6785,"end_word":6960,"sentiment":"neutral","sentiment_score":0.14431120455265045},{"text":"which then resulted in clients accepting whatever advice came across the table because they wanted to see a return on the investment that they'd already put in. Yeah.","start_word":6961,"end_word":6988,"sentiment":"positive","sentiment_score":0.5054600238800049},{"text":"The boys both wanna basically put money where our mouth is, put our right foot forward, and show you what we can do before you have to put any money on the line or, you know, agree to anything. Okay. Just No. That's putting faith cool. faith and trust back into the industry. What I do notice, Larissa, not wanting to inflate the issue or inflate the issue. Mhmm. I am able to salary sacrifice these fees. So that's interesting. Yes. Yeah. Yeah. Essentially, you would be able to. Yeah. Yeah. So we can we can set that up as part of this arrangement. Alright. Do you wanna send me an email with what you need? I sure can. And I'll very quickly pull that together. No. Absolutely. I will just triple check-in my system because I know you're a new client. That's I just wanna make sure that we oh, yeah. Markrwally8@gmail.com? it.","start_word":6989,"end_word":7142,"sentiment":"neutral","sentiment_score":0.11037011173638432},{"text":"Perfect. Alright. Well, you'll have an email from me within a few moments. Perfect, Marissa. Thank you. Not a problem at all, Mark. I will get everything rolling for you, and I'll turn it all around. And I'll be in touch when I have it all done Great. That's before true.","start_word":7143,"end_word":7193,"sentiment":"positive","sentiment_score":0.5605059266090393},{"text":"end of financial year.","start_word":7194,"end_word":7197,"sentiment":"neutral","sentiment_score":0.16930900514125824},{"text":"Thanks for your time. Appreciate it. It. Not a problem at all, Mark. Thanks so much. You have a good one.","start_word":7198,"end_word":7218,"sentiment":"positive","sentiment_score":0.7049631476402283},{"text":"K. Bye.","start_word":7219,"end_word":7220,"sentiment":"neutral","sentiment_score":0.2617446482181549}],"average":{"sentiment":"neutral","sentiment_score":0.04291727730057525}}}}