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I just wanted to quickly let you know that I'm giving you a call to go through the questions you had regarding, like, the contributions for the super and so on. We had you booked in with Veronica today. She is ill, so I just wanted to jump on to assist you. Perfect. Do you still have a bit of time today? Awesome. Before I jump into it, just the usual security process. Just wanting to check that you're okay for the calls to be recorded. Awesome. And do you recall the client password that you set up when you came on board? Yes. It is. Mother's maiden name. So that will be your skipping of the three point ID check when whenever we call. Just makes things a little bit smoother. So that is perfect. Thank you so much for that, Kirsty. Awesome. So what I've got here, I'm just been looking through the notes this morning that you've sort of come on board towards the end of last year. You've had the changes now with the company and the trust, and you're trying to work out to do with, like, wages, contributions to super, that kind of thing. Am I on the right track? Perfect. So the first thing I want to double check is have you actually gone through with your accountant to set up, like, PAYG wages yet or not just at the moment? October. Perfect. And did they mention anything about options for super contributions? Yep. Yeah. Yeah. Okay. Yeah. Yeah. Absolutely. So I'll go through just briefly today, like, a few options on what you might look at, and then just let me know what like, where you're leaning between the two. So when it comes to being on PAYG, previous information that we had just to kind of take one step back is that you're working for the Department of Housing at the time as a bit of a project manager. Has your role significantly changed with the business? Are you doing a similar thing but self employed? Okay. So would you be technically kind of like a sole trader? Or okay. Yep. Mhmm. Gotcha. So you've got a PTOI Ltd company. Did your accountants mention anything about personal services income or PSI rules? Perfect. Okay. So that's kind of what I'm looking at. And just so I can note it down for our files, what's the company name? Yeah. I'll do a bit of a Google for that just to double check it, but KJ Consultants PTO RTG. No. That's okay. Okay. And so with the invoicing and everything, you're now technically an employee of KJO? Awesome. That's why you say you're you're kind of on those wages now. So in your mind then, does it when they invoice to your company, is it just a direct flow of, like, a thousand dollars go to goes to KJO and a thousand dollars goes out to you? Mhmm. Yeah. Yeah. Perfect. So one last quick question before I dive into these options is the loans that you're paying out, we're just talking about the sort of personal loan and credit card. Yep. Perfect. Personal loan and credit card. So when you get the, like, wages and salary and so on, do you have an idea of how much that might look like weekly, fortnightly, monthly, or yearly? Yeah. And that's per week gross. Perfect. Okay. So the two ways you can do it is, let's say, you get wages and a salary. Is that standard 12% super contributions that we're saying is just like you're an employee of any other company is a good place to start because that just gives you that consistency. Because as your business is going, you you do need a few years for it to kind of settle in before you start going too crazy with splashing the money in different directions, if that makes sense. So if you're getting consistent wage and a consistent contribution percentage, that gives you that consistency in the background. The other option is why I mentioned things like sole trader is you've got a lot of people who get an ABN. They have to pay their own super, and they get all this income, but they're not on wages or anything like that. They don't have a salary set up. So what they would do is they would essentially put some contributions in personally and then claim them as, like, a a tax deduction, essentially, to get to the same effect. So what I wanted to kind of ask you is do you think once that loan's paid off that you would be able to set up the the wages and the super contribution percentages, or would you be leaning the other way? Yeah. I'm with you. Well, this might help a little bit for picturing it in your mind. So you told me just before 4,435 a week gross coming through to you, to the company kind of thing. Imagine if you just took all of that as a salary and all of a sudden you're on $230,000 per year as a salary. Obviously, lot of tax comes off the back of that. If you were to then to pay 12% super contributions on top of that, well, all of a sudden, now you need an additional $30,000 that you're, like, where are you gonna source that $30,000 to pay those contributions? Do you know what I mean? So if you just set your salary as a one to one to every dollar you're getting in, you don't have that extra money, so you almost would have to, like, trim down your income to compensate. So one of the things that people tend to do is they again, this is where the accounts will be good for this, is how much are you drawing out in terms of director's loans or wages or salary to make sure you're not overshooting tax wise. And then if you do have a lot left over, we can either set up a small recurring contribution into super or even at the end of financial year, you could just put in a lump sum and then claim it as a deduction. Once you've gone through your quarterlies and your BASs and kept on top of all of your accounting and bookkeeping, you'll kind of have an idea by the end of financial year what's kinda left over and then can maybe look at doing a contribution then. Does that sort of make sense? I'm hope I'm not throwing too much information at you. Yes. Yeah. So what I'm saying here is we need to keep it relatively straightforward to begin with, which is once you are going to go set up that that salary, that income after you pay off the loan, is just try and find out through the accountants how much that's going to look like. And then just ask the question, am I going to do 12% super on that, or should I let this ride until the end of financial year? And then we assist in a bit of a triangle. So if you have a plan with your accountant for the year about how the income looks, once you get to the end of financial year, we can speak to you and say, hey. Now that it's June, let's you've got all this cash sitting there. You can afford to put this much into your super. We'll help you with the forms to claim it for a deduction, and you can bring that to your accountant to do your tax return. K. So if you do if you are writing anything down or taking notes, it's called an NOI, notice of intent to claim. And it's basically just a form that a lot of self employed people do to say, hey. I've been throwing all this money in from a bank account into my super. Can I please claim it as concessional as a tax deduction similar to had you paid yourself that percentage as an employer? Cool. So we can kind of go either way with it. I just wanna be careful because you've got so much coming in gross into the business that I'm not sure what to base it on in terms of, like, are you just gonna pay yourself the minimum or a certain amount? Just need to work out the income side of things. No. Yep. Yeah. Exactly right. Because depending on the type of business that you've got, that money needs to go in certain places. Right? You may have to have put aside let's say you pay that and you live off that 100 and something thousand. Well, does that include having put aside the personal taxes? Do you have to worry about GST and making sure that's put aside and then things like super contributions as well within that leftover $1.20? Yep. So not to try and push you in a triangle to just, you know, go talk to the accountants, talk to us, talk to the accounts, talk to us. But if they give you an idea of what the income is looking like, those extra considerations in terms of what to keep aside and what's gonna happen with it, we can work out whether it's best to put in, again, a percentage of contributions or just do one at the end of financial year, and we'll we'll help you along the way. Yeah. Yeah. Just a bit of an indication of what it's looking like because, again, I would be curious too with the extra funds left over what that needs to be set aside for and whether it would be 50,000, a 100,000, or how much is gonna come out to you in terms of an official income. It gives us plenty of time, though. We've still got a few months until the end of financial year, so heaps of time to work it out. That's all. Sorry. What were you saying? Yeah. Yeah. And that's why, like, it's going to be initially, but it's that's very normal. Like, the first three to five years is a little bit of, like, settling into how to run these things and what to keep an eye on. Like I was saying, once you've figured out all those different things to pay, I think the safest thing for you would just be to spend that, you know, March, April, May, the next three months just trying to settle into that and make sure, you know, what you've got to set aside. And then if you're sitting there saying, oh, in the business account or the trust account, there's all of this cash sitting there. Okay. What do I do with it? I need to put this into the tax. I'll put this much into super. So we'll leave it to, like, a a during discussion to try and find out what to do because I don't wanna jump the gun and say do x when you've got three or four other things that have to be considered as well. But, again, that'll come into routine. And then before you know it, you're doing your quarterly VAT statements and your bookkeeping and your tax returns and everything starts to paint a clearer picture. And then that gives you almost less options in a good way where it's like now you know all the things you have to make sure are ticked, and it leaves you less left over with a question mark around it. Whereas at the moment, it could be hundreds of thousands sitting there, and you're like, I don't know. Yep. You did have a question as well around, like, self managed super funds, I'm assuming, to, like, purchase property and sell them. Was that also something you were thinking? Yep. Yeah. So I won't overwhelm you with too much information because it's not relevant right now. But when you when you hit that sort of two fifty mark, depending on, like, your contributions going to super because think of it this way. Your super fund, its serviceability for a loan, its income is essentially your contributions. So if you go to borrow money to get an investment property, they go, how much capital have you got, which is your super, and how much is your serviceability and income, which is the rent versus your contributions rather than your wages. And so they take that into account for the lending side. In terms of actually doing it, you need to actually create a trust fund, which is the super fund, possibly a company, which is a trustee. And then to get the loan, you have to set up a bear trust and a bear company to actually hold the loan itself. So there's four entities that we create through your accountant. And then the advisers, we would essentially set up the bank account and the investment account to move the money into to buy the property and invest the funds. So it's quite an involved process, a little bit of cost for setup and so on. Would you be going into it with anybody else, or is it mainly just your your own super, your own contributions? Yeah. So based on once we settle into the income group side of things and get some contributions rolling, this might be like a next year question once you're above that two fifty because it's easier when you're like a a couple, and that couple has two sets of contributions, which is like double the income, so to speak, just to actually get a loan in this day and age given the property market at the moment. Yeah. Depends on, like, structure and consistency. So sometimes they like to see a good two or three years of, like, consistent income. However, if you're like these guys I was talking about where they're getting these invoices from one source and it's a very consistent same income, but now all of a sudden they have a company with the exact same income, it's almost like a continuation. So that can kind of bridge it a little bit. So, yeah, somewhere between the one to three year mark, I wouldn't try and do it in less than twelve months because they won't have much to go off. Yeah. That'll be a big thing too. Yeah. Absolutely. So there's so much going on, Kirsty, that it's part of our job is just to help you kind of break it down into one bit at a time. And I can kind of picture it now as you just kind of settle into this groove now with the taxes and the accounting side. We'll get a little bit of super contributions rolling after that. Your income's gonna change. We wanna build up your cash towards building a buying a home. We can revisit whether we invest your super in a direct property next year sometime. For now, we'll just keep it growing nice and steadily and just, again, build those little trunks and habits. Like, we use a lot of tree analogies here just to build the roots and the foundation. And then as it becomes time when it's appropriate, we're gonna branch out into a few different things. So you've got a lot to do in the next three to five years, but plenty for the next three months at least. Cool. That that's all very exciting. I've put a few notes on the account just so we know what's going on with you. And when we do that next review, I'm gonna be very careful in terms of, like, your income changes and so on. So do appreciate you at least letting us know all of this is happening. Thank you for that. I was just gonna ask you if you had any sort of questions or anything that I haven't covered so far. That's a great question. And it's one of those things where I apologize I didn't mention it as well, is at the moment, there's no contributions going in. Like, I've already kind of flagged it in our system because your last contribution was in November 2025. We put a little bit of a twelve month flagging on client accounts internally where we say, okay. If no contributions are going in for twelve months, obviously, there's a reason for that because you're going into this business side of things. We need to make sure that in terms of super growing, usually, you're super when it's in that kind of growth high growth space that yours is. It can still grow. That's okay, but fees will also have an impact. So twelve months is not normally too big of an issue in the grand scheme of life and investments and retirement. But if this was something that continued on for three, four, five years, we would have to be questioning whether we could even do anything for you as well. So on one side, if we're going to roll in and do again, your business is growing and we're doing contributions and we're doing investments and there's things that we can add value for, that's fantastic. We've got some people who become like an ABN sole trader tradesman, and we just can't just we can't do anything. Can't make any changes. Fees are making a negative impact, so we are not no longer a positive impact on the super, if that makes sense. So your account basically stays okay. Normally, if you go, like, eighteen months fully in like, inactive, super accounts can generally go inactive. If it's your only fund, it's usually okay. But if you had multiple funds, they can close them down, cancel attached insurances. There's things just to watch out for. That's all. Yeah. So what we would do, if you can call us back, that'd be good. I'm already gonna set up a contact point for someone to give you a call at least in May just to check-in. And what we would do from there is we'll give you some BPA or EFT details so you can make the contribution. We'll pre fill in the forms to claim it as a tax deduction, get you to sign that, process it through your Superfund, which is Hub, and then we'll give that to you once you get your confirmation letter to give to your accountant when you do your tax return. Yep. Similar. Similar. So let's say that your company generated, for argument's sake, a $120,000, and it was gonna pay tax on that. So a 100,000 comes out to you in wages and you pay income tax on that. The 20,000 that's left over is about to be taxed. So by putting it into super, you're putting it in at a concessional rate of 15% because you're allowed to do that up to 30,000 and so on, and then you're not being taxed at 32, 37, or above. Yep. So what actually happens is because super is taxed at 15%, give you an example, you put $20 into your super. We submit that form to claim it. They'll take 15% out of that and give it to the tax office and tell the tax office this is a concessional contribution. Then when you come to do your tax return, your income for tax purposes is dropped 20,000, and then you pay tax on the leftover. Yeah. Absolutely. Five years. Not that you would want to put in $150,000 in one go this financial year, but you can actually use up anything that you haven't used going backwards five years. Yeah. Just be careful, though, because it's very tempting for people to say, just chuck your money into super because it's a tax deduction, which is great, but then you're kind of locking it away until six year above. So just doing it for a tax deduction is not kind of the right idea. I prefer putting in enough to get the super moving to where it needs to go, but if there's usage for the money personally, make sure you take that into account as well before you lock it away. Yeah. Especially if you wanna get a property. Yeah. Me too. Yep. Awesome. And what I'll have to do at that point too, Kirsty, is once we figure out the income and super side of things, I will just update a few more details on your file just because I've got your company noted down in the estimates. But if there are, again, changes to your duties and things like that, I'll go a bit more in-depth in the next conversation. Beauty. KJO Consulting. I'm hoping there's not too many of those around the country. KJO Consulting. I'm hoping there is a Facebook page, which is cool. I'm hoping that's yours. No. There's a few of those around the world. Actually, if you do have the the ABN, that'd be fantastic, or ACN. I would love to note those down. Six nine one zero three nine zero, double seven. Cool. So I'll just read that back to you. 24315008263. Perfect. Thank you for that. Really appreciate you having that on hand. Awesome. So I'll add this all into the file. There'll be some notes there for the your usual adviser as well. I will still just put a contact point in for May just in case if we don't hear from you. But, otherwise, once you've had a chat to the accountants, maybe just let them know that we spoke about doing the 12% versus the lump sum and which way we're kind of leaning. And then, yeah, just see what happens with the income side, and I can kind of take it from there. Awesome. Perfect. Anything else I can help with? Fantastic. Well, thank you for taking the time today. Have a lovely day, and I hope to hear from you soon. Thank you, Cassie. 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afternoon, Kirsty. It's Tommy here, senior adviser from Oakview Financial. How are you doing? Doing fantastic. I just wanted to quickly let you know that I'm giving you a call to go through the questions you had regarding, like, the contributions for the super and so on.\n\nWe had you booked in with Veronica today. She is ill, so I just wanted to jump on to assist you. Perfect. Do you still have a bit of time today? Awesome.\n\nBefore I jump into it, just the usual security process. Just wanting to check that you're okay for the calls to be recorded. Awesome. And do you recall the client password that you set up when you came on board? Yes.\n\nIt is. Mother's maiden name. So that will be your skipping of the three point ID check when whenever we call. Just makes things a little bit smoother. So that is perfect.\n\nThank you so much for that, Kirsty. Awesome. So what I've got here, I'm just been looking through the notes this morning that you've sort of come on board towards the end of last year. You've had the changes now with the company and the trust, and you're trying to work out to do with, like, wages, contributions to super, that kind of thing. Am I on the right track?\n\nPerfect. So the first thing I want to double check is have you actually gone through with your accountant to set up, like, PAYG wages yet or not just at the moment? October. Perfect. And did they mention anything about options for super contributions?\n\nYep. Yeah. Yeah. Okay. Yeah.\n\nYeah. Absolutely. So I'll go through just briefly today, like, a few options on what you might look at, and then just let me know what like, where you're leaning between the two. So when it comes to being on PAYG, previous information that we had just to kind of take one step back is that you're working for the Department of Housing at the time as a bit of a project manager. Has your role significantly changed with the business?\n\nAre you doing a similar thing but self employed? Okay. So would you be technically kind of like a sole trader? Or okay. Yep.\n\nMhmm. Gotcha. So you've got a PTOI Ltd company. Did your accountants mention anything about personal services income or PSI rules? Perfect.\n\nOkay. So that's kind of what I'm looking at. And just so I can note it down for our files, what's the company name? Yeah. I'll do a bit of a Google for that just to double check it, but KJ Consultants PTO RTG.\n\nNo. That's okay. Okay. And so with the invoicing and everything, you're now technically an employee of KJO? Awesome.\n\nThat's why you say you're you're kind of on those wages now. So in your mind then, does it when they invoice to your company, is it just a direct flow of, like, a thousand dollars go to goes to KJO and a thousand dollars goes out to you? Mhmm. Yeah. Yeah.\n\nPerfect. So one last quick question before I dive into these options is the loans that you're paying out, we're just talking about the sort of personal loan and credit card. Yep. Perfect. Personal loan and credit card.\n\nSo when you get the, like, wages and salary and so on, do you have an idea of how much that might look like weekly, fortnightly, monthly, or yearly? Yeah. And that's per week gross. Perfect. Okay.\n\nSo the two ways you can do it is, let's say, you get wages and a salary. Is that standard 12% super contributions that we're saying is just like you're an employee of any other company is a good place to start because that just gives you that consistency. Because as your business is going, you you do need a few years for it to kind of settle in before you start going too crazy with splashing the money in different directions, if that makes sense. So if you're getting consistent wage and a consistent contribution percentage, that gives you that consistency in the background. The other option is why I mentioned things like sole trader is you've got a lot of people who get an ABN.\n\nThey have to pay their own super, and they get all this income, but they're not on wages or anything like that. They don't have a salary set up. So what they would do is they would essentially put some contributions in personally and then claim them as, like, a a tax deduction, essentially, to get to the same effect. So what I wanted to kind of ask you is do you think once that loan's paid off that you would be able to set up the the wages and the super contribution percentages, or would you be leaning the other way? Yeah.\n\nI'm with you. Well, this might help a little bit for picturing it in your mind. So you told me just before 4,435 a week gross coming through to you, to the company kind of thing. Imagine if you just took all of that as a salary and all of a sudden you're on $230,000 per year as a salary. Obviously, lot of tax comes off the back of that.\n\nIf you were to then to pay 12% super contributions on top of that, well, all of a sudden, now you need an additional $30,000 that you're, like, where are you gonna source that $30,000 to pay those contributions? Do you know what I mean? So if you just set your salary as a one to one to every dollar you're getting in, you don't have that extra money, so you almost would have to, like, trim down your income to compensate. So one of the things that people tend to do is they again, this is where the accounts will be good for this, is how much are you drawing out in terms of director's loans or wages or salary to make sure you're not overshooting tax wise. And then if you do have a lot left over, we can either set up a small recurring contribution into super or even at the end of financial year, you could just put in a lump sum and then claim it as a deduction.\n\nOnce you've gone through your quarterlies and your BASs and kept on top of all of your accounting and bookkeeping, you'll kind of have an idea by the end of financial year what's kinda left over and then can maybe look at doing a contribution then. Does that sort of make sense? I'm hope I'm not throwing too much information at you. Yes. Yeah.\n\nSo what I'm saying here is we need to keep it relatively straightforward to begin with, which is once you are going to go set up that that salary, that income after you pay off the loan, is just try and find out through the accountants how much that's going to look like. And then just ask the question, am I going to do 12% super on that, or should I let this ride until the end of financial year? And then we assist in a bit of a triangle. So if you have a plan with your accountant for the year about how the income looks, once you get to the end of financial year, we can speak to you and say, hey. Now that it's June, let's you've got all this cash sitting there.\n\nYou can afford to put this much into your super. We'll help you with the forms to claim it for a deduction, and you can bring that to your accountant to do your tax return. K. So if you do if you are writing anything down or taking notes, it's called an NOI, notice of intent to claim. And it's basically just a form that a lot of self employed people do to say, hey.\n\nI've been throwing all this money in from a bank account into my super. Can I please claim it as concessional as a tax deduction similar to had you paid yourself that percentage as an employer? Cool. So we can kind of go either way with it. I just wanna be careful because you've got so much coming in gross into the business that I'm not sure what to base it on in terms of, like, are you just gonna pay yourself the minimum or a certain amount?\n\nJust need to work out the income side of things. No. Yep. Yeah. Exactly right.\n\nBecause depending on the type of business that you've got, that money needs to go in certain places. Right? You may have to have put aside let's say you pay that and you live off that 100 and something thousand. Well, does that include having put aside the personal taxes? Do you have to worry about GST and making sure that's put aside and then things like super contributions as well within that leftover $1.20?\n\nYep. So not to try and push you in a triangle to just, you know, go talk to the accountants, talk to us, talk to the accounts, talk to us. But if they give you an idea of what the income is looking like, those extra considerations in terms of what to keep aside and what's gonna happen with it, we can work out whether it's best to put in, again, a percentage of contributions or just do one at the end of financial year, and we'll we'll help you along the way. Yeah. Yeah.\n\nJust a bit of an indication of what it's looking like because, again, I would be curious too with the extra funds left over what that needs to be set aside for and whether it would be 50,000, a 100,000, or how much is gonna come out to you in terms of an official income. It gives us plenty of time, though. We've still got a few months until the end of financial year, so heaps of time to work it out. That's all. Sorry.\n\nWhat were you saying? Yeah. Yeah. And that's why, like, it's going to be initially, but it's that's very normal. Like, the first three to five years is a little bit of, like, settling into how to run these things and what to keep an eye on.\n\nLike I was saying, once you've figured out all those different things to pay, I think the safest thing for you would just be to spend that, you know, March, April, May, the next three months just trying to settle into that and make sure, you know, what you've got to set aside. And then if you're sitting there saying, oh, in the business account or the trust account, there's all of this cash sitting there. Okay. What do I do with it? I need to put this into the tax.\n\nI'll put this much into super. So we'll leave it to, like, a a during discussion to try and find out what to do because I don't wanna jump the gun and say do x when you've got three or four other things that have to be considered as well. But, again, that'll come into routine. And then before you know it, you're doing your quarterly VAT statements and your bookkeeping and your tax returns and everything starts to paint a clearer picture. And then that gives you almost less options in a good way where it's like now you know all the things you have to make sure are ticked, and it leaves you less left over with a question mark around it.\n\nWhereas at the moment, it could be hundreds of thousands sitting there, and you're like, I don't know. Yep. You did have a question as well around, like, self managed super funds, I'm assuming, to, like, purchase property and sell them. Was that also something you were thinking? Yep.\n\nYeah. So I won't overwhelm you with too much information because it's not relevant right now. But when you when you hit that sort of two fifty mark, depending on, like, your contributions going to super because think of it this way. Your super fund, its serviceability for a loan, its income is essentially your contributions. So if you go to borrow money to get an investment property, they go, how much capital have you got, which is your super, and how much is your serviceability and income, which is the rent versus your contributions rather than your wages.\n\nAnd so they take that into account for the lending side. In terms of actually doing it, you need to actually create a trust fund, which is the super fund, possibly a company, which is a trustee. And then to get the loan, you have to set up a bear trust and a bear company to actually hold the loan itself. So there's four entities that we create through your accountant. And then the advisers, we would essentially set up the bank account and the investment account to move the money into to buy the property and invest the funds.\n\nSo it's quite an involved process, a little bit of cost for setup and so on. Would you be going into it with anybody else, or is it mainly just your your own super, your own contributions? Yeah. So based on once we settle into the income group side of things and get some contributions rolling, this might be like a next year question once you're above that two fifty because it's easier when you're like a a couple, and that couple has two sets of contributions, which is like double the income, so to speak, just to actually get a loan in this day and age given the property market at the moment. Yeah.\n\nDepends on, like, structure and consistency. So sometimes they like to see a good two or three years of, like, consistent income. However, if you're like these guys I was talking about where they're getting these invoices from one source and it's a very consistent same income, but now all of a sudden they have a company with the exact same income, it's almost like a continuation. So that can kind of bridge it a little bit. So, yeah, somewhere between the one to three year mark, I wouldn't try and do it in less than twelve months because they won't have much to go off.\n\nYeah. That'll be a big thing too. Yeah. Absolutely. So there's so much going on, Kirsty, that it's part of our job is just to help you kind of break it down into one bit at a time.\n\nAnd I can kind of picture it now as you just kind of settle into this groove now with the taxes and the accounting side. We'll get a little bit of super contributions rolling after that. Your income's gonna change. We wanna build up your cash towards building a buying a home. We can revisit whether we invest your super in a direct property next year sometime.\n\nFor now, we'll just keep it growing nice and steadily and just, again, build those little trunks and habits. Like, we use a lot of tree analogies here just to build the roots and the foundation. And then as it becomes time when it's appropriate, we're gonna branch out into a few different things. So you've got a lot to do in the next three to five years, but plenty for the next three months at least. Cool.\n\nThat that's all very exciting. I've put a few notes on the account just so we know what's going on with you. And when we do that next review, I'm gonna be very careful in terms of, like, your income changes and so on. So do appreciate you at least letting us know all of this is happening. Thank you for that.\n\nI was just gonna ask you if you had any sort of questions or anything that I haven't covered so far. That's a great question. And it's one of those things where I apologize I didn't mention it as well, is at the moment, there's no contributions going in. Like, I've already kind of flagged it in our system because your last contribution was in November 2025. We put a little bit of a twelve month flagging on client accounts internally where we say, okay.\n\nIf no contributions are going in for twelve months, obviously, there's a reason for that because you're going into this business side of things. We need to make sure that in terms of super growing, usually, you're super when it's in that kind of growth high growth space that yours is. It can still grow. That's okay, but fees will also have an impact. So twelve months is not normally too big of an issue in the grand scheme of life and investments and retirement.\n\nBut if this was something that continued on for three, four, five years, we would have to be questioning whether we could even do anything for you as well. So on one side, if we're going to roll in and do again, your business is growing and we're doing contributions and we're doing investments and there's things that we can add value for, that's fantastic. We've got some people who become like an ABN sole trader tradesman, and we just can't just we can't do anything. Can't make any changes. Fees are making a negative impact, so we are not no longer a positive impact on the super, if that makes sense.\n\nSo your account basically stays okay. Normally, if you go, like, eighteen months fully in like, inactive, super accounts can generally go inactive. If it's your only fund, it's usually okay. But if you had multiple funds, they can close them down, cancel attached insurances. There's things just to watch out for.\n\nThat's all. Yeah. So what we would do, if you can call us back, that'd be good. I'm already gonna set up a contact point for someone to give you a call at least in May just to check-in. And what we would do from there is we'll give you some BPA or EFT details so you can make the contribution.\n\nWe'll pre fill in the forms to claim it as a tax deduction, get you to sign that, process it through your Superfund, which is Hub, and then we'll give that to you once you get your confirmation letter to give to your accountant when you do your tax return. Yep. Similar. Similar. So let's say that your company generated, for argument's sake, a $120,000, and it was gonna pay tax on that.\n\nSo a 100,000 comes out to you in wages and you pay income tax on that. The 20,000 that's left over is about to be taxed. So by putting it into super, you're putting it in at a concessional rate of 15% because you're allowed to do that up to 30,000 and so on, and then you're not being taxed at 32, 37, or above. Yep. So what actually happens is because super is taxed at 15%, give you an example, you put $20 into your super.\n\nWe submit that form to claim it. They'll take 15% out of that and give it to the tax office and tell the tax office this is a concessional contribution. Then when you come to do your tax return, your income for tax purposes is dropped 20,000, and then you pay tax on the leftover. Yeah. Absolutely.\n\nFive years. Not that you would want to put in $150,000 in one go this financial year, but you can actually use up anything that you haven't used going backwards five years. Yeah. Just be careful, though, because it's very tempting for people to say, just chuck your money into super because it's a tax deduction, which is great, but then you're kind of locking it away until six year above. So just doing it for a tax deduction is not kind of the right idea.\n\nI prefer putting in enough to get the super moving to where it needs to go, but if there's usage for the money personally, make sure you take that into account as well before you lock it away. Yeah. Especially if you wanna get a property. Yeah. Me too.\n\nYep. Awesome. And what I'll have to do at that point too, Kirsty, is once we figure out the income and super side of things, I will just update a few more details on your file just because I've got your company noted down in the estimates. But if there are, again, changes to your duties and things like that, I'll go a bit more in-depth in the next conversation. Beauty.\n\nKJO Consulting. I'm hoping there's not too many of those around the country. KJO Consulting. I'm hoping there is a Facebook page, which is cool. I'm hoping that's yours.\n\nNo. There's a few of those around the world. Actually, if you do have the the ABN, that'd be fantastic, or ACN. I would love to note those down. Six nine one zero three nine zero, double seven.\n\nCool. So I'll just read that back to you. 24315008263. Perfect. Thank you for that.\n\nReally appreciate you having that on hand. Awesome. So I'll add this all into the file. There'll be some notes there for the your usual adviser as well. I will still just put a contact point in for May just in case if we don't hear from you.\n\nBut, otherwise, once you've had a chat to the accountants, maybe just let them know that we spoke about doing the 12% versus the lump sum and which way we're kind of leaning. And then, yeah, just see what happens with the income side, and I can kind of take it from there. Awesome. Perfect. Anything else I can help with?\n\nFantastic. Well, thank you for taking the time today. Have a lovely day, and I hope to hear from you soon. Thank you, Cassie. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kirsty.","start":2.8799999,"end":4.0,"sentiment":"positive","sentiment_score":0.3426826000213623},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":4.0,"end":6.64,"sentiment":"neutral","sentiment_score":0.21607577800750732},{"text":"How are you doing?","start":6.64,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.19289103895425797},{"text":"Doing fantastic.","start":9.44,"end":10.179999,"sentiment":"positive","sentiment_score":0.7706730961799622},{"text":"I just wanted to quickly let you know that I'm giving you a call to go through the questions you had regarding, like, the contributions for the super and so on.","start":10.639999,"end":18.275,"sentiment":"neutral","sentiment_score":0.15846128160915068}],"sentiment":"neutral","sentiment_score":0.20795550212884942,"num_words":48,"start":2.8799999,"end":18.275},{"sentences":[{"text":"We had you booked in with Veronica today.","start":18.575,"end":20.575,"sentiment":"neutral","sentiment_score":0.021920096129179},{"text":"She is ill, so I just wanted to jump on to assist you.","start":20.575,"end":23.555,"sentiment":"neutral","sentiment_score":-0.02227280231622549},{"text":"Perfect.","start":25.775,"end":26.255001,"sentiment":"neutral","sentiment_score":0.3175683319568634},{"text":"Do you still have a bit of time today?","start":26.255001,"end":27.87,"sentiment":"neutral","sentiment_score":0.0628301969005002},{"text":"Awesome.","start":29.070002,"end":29.470001,"sentiment":"neutral","sentiment_score":0.29133570194244385}],"sentiment":"neutral","sentiment_score":0.033130942028947175,"num_words":32,"start":18.575,"end":29.470001},{"sentences":[{"text":"Before I jump into it, just the usual security process.","start":29.470001,"end":32.03,"sentiment":"neutral","sentiment_score":0.06406951770186424},{"text":"Just wanting to check that you're okay for the calls to be recorded.","start":32.03,"end":34.93,"sentiment":"neutral","sentiment_score":0.09170252056075977},{"text":"Awesome.","start":36.91,"end":37.23,"sentiment":"neutral","sentiment_score":0.29892176389694214},{"text":"And do you recall the client password that you set up when you came on board?","start":37.23,"end":41.010002,"sentiment":"neutral","sentiment_score":0.063951235730201},{"text":"Yes.","start":45.135002,"end":45.375,"sentiment":"neutral","sentiment_score":0.05504637584090233}],"sentiment":"neutral","sentiment_score":0.07829306965194098,"num_words":41,"start":29.470001,"end":45.375},{"sentences":[{"text":"It is.","start":45.375,"end":46.035,"sentiment":"neutral","sentiment_score":0.04689919576048851},{"text":"Mother's maiden name.","start":46.255,"end":47.455,"sentiment":"neutral","sentiment_score":0.058019584665695824},{"text":"So that will be your skipping of the three point ID check when whenever we call.","start":47.455,"end":52.035,"sentiment":"neutral","sentiment_score":0.13344842055812478},{"text":"Just makes things a little bit smoother.","start":52.255,"end":53.855,"sentiment":"neutral","sentiment_score":0.2673648680959429},{"text":"So that is perfect.","start":53.855,"end":54.815,"sentiment":"positive","sentiment_score":0.5751562342047691}],"sentiment":"neutral","sentiment_score":0.20547534024808556,"num_words":32,"start":45.375,"end":54.815},{"sentences":[{"text":"Thank you so much for that, Kirsty.","start":54.815,"end":56.355,"sentiment":"positive","sentiment_score":0.6262711967740741},{"text":"Awesome.","start":57.920002,"end":58.4,"sentiment":"neutral","sentiment_score":0.3034166395664215},{"text":"So what I've got here, I'm just been looking through the notes this morning that you've sort of come on board towards the end of last year.","start":58.4,"end":64.72,"sentiment":"neutral","sentiment_score":0.07894341813193427},{"text":"You've had the changes now with the company and the trust, and you're trying to work out to do with, like, wages, contributions to super, that kind of thing.","start":64.72,"end":73.155,"sentiment":"neutral","sentiment_score":0.05605162500307478},{"text":"Am I on the right track?","start":73.155,"end":74.375,"sentiment":"neutral","sentiment_score":0.05401508634289106}],"sentiment":"neutral","sentiment_score":0.12526249928133829,"num_words":70,"start":54.815,"end":74.375},{"sentences":[{"text":"Perfect.","start":76.354996,"end":76.755,"sentiment":"neutral","sentiment_score":0.1655695140361786},{"text":"So the first thing I want to double check is have you actually gone through with your accountant to set up, like, PAYG wages yet or not just at the moment?","start":76.755,"end":87.16,"sentiment":"neutral","sentiment_score":0.016855266816433397},{"text":"October.","start":90.9,"end":91.4,"sentiment":"neutral","sentiment_score":0.030384279787540436},{"text":"Perfect.","start":91.54,"end":91.86,"sentiment":"neutral","sentiment_score":0.08558867871761322},{"text":"And did they mention anything about options for super contributions?","start":91.86,"end":94.92,"sentiment":"neutral","sentiment_score":0.0017842309549450873}],"sentiment":"neutral","sentiment_score":0.018679501213641328,"num_words":44,"start":76.354996,"end":94.92},{"sentences":[{"text":"Yep.","start":101.525,"end":102.025,"sentiment":"neutral","sentiment_score":-0.07564880698919296},{"text":"Yeah.","start":126.115,"end":126.615,"sentiment":"neutral","sentiment_score":-0.01622403785586357},{"text":"Yeah.","start":144.865,"end":145.365,"sentiment":"neutral","sentiment_score":-0.08098168671131134},{"text":"Okay.","start":145.425,"end":145.925,"sentiment":"neutral","sentiment_score":-0.07470528781414032},{"text":"Yeah.","start":158.16,"end":158.66,"sentiment":"neutral","sentiment_score":-0.011765606701374054}],"sentiment":"neutral","sentiment_score":-0.05186508521437645,"num_words":5,"start":101.525,"end":158.66},{"sentences":[{"text":"Yeah.","start":175.85501,"end":176.175,"sentiment":"neutral","sentiment_score":0.21360552310943604},{"text":"Absolutely.","start":176.175,"end":176.675,"sentiment":"positive","sentiment_score":0.35701659321784973},{"text":"So I'll go through just briefly today, like, a few options on what you might look at, and then just let me know what like, where you're leaning between the two.","start":176.895,"end":185.97,"sentiment":"neutral","sentiment_score":0.1727628262052613},{"text":"So when it comes to being on PAYG, previous information that we had just to kind of take one step back is that you're working for the Department of Housing at the time as a bit of a project manager.","start":187.47,"end":199.535,"sentiment":"neutral","sentiment_score":-0.0011218615109100938},{"text":"Has your role significantly changed with the business?","start":199.915,"end":202.315,"sentiment":"neutral","sentiment_score":-0.01603322708979249}],"sentiment":"neutral","sentiment_score":0.07102628952513139,"num_words":81,"start":175.85501,"end":202.315},{"sentences":[{"text":"Are you doing a similar thing but self employed?","start":202.315,"end":204.975,"sentiment":"neutral","sentiment_score":-0.023840108265479405},{"text":"Okay.","start":213.85,"end":214.33,"sentiment":"neutral","sentiment_score":0.0066967494785785675},{"text":"So would you be technically kind of like a sole trader?","start":214.33,"end":217.69,"sentiment":"neutral","sentiment_score":-0.02038493142886595},{"text":"Or okay.","start":217.69,"end":224.765,"sentiment":"neutral","sentiment_score":-0.012806829065084457},{"text":"Yep.","start":233.56,"end":234.06,"sentiment":"neutral","sentiment_score":0.06253470480442047}],"sentiment":"neutral","sentiment_score":-0.01646572599808375,"num_words":24,"start":202.315,"end":234.06},{"sentences":[{"text":"Mhmm.","start":247.895,"end":248.395,"sentiment":"neutral","sentiment_score":0.006270111538469791},{"text":"Gotcha.","start":251.815,"end":252.315,"sentiment":"neutral","sentiment_score":0.018513984978199005},{"text":"So you've got a PTOI Ltd company.","start":252.375,"end":254.635,"sentiment":"neutral","sentiment_score":-0.003615501112238105},{"text":"Did your accountants mention anything about personal services income or PSI rules?","start":255.33499,"end":259.995,"sentiment":"neutral","sentiment_score":-0.0025942077239354453},{"text":"Perfect.","start":261.87,"end":262.19,"sentiment":"positive","sentiment_score":0.47467678785324097}],"sentiment":"neutral","sentiment_score":0.02013735835895535,"num_words":22,"start":247.895,"end":262.19},{"sentences":[{"text":"Okay.","start":262.19,"end":262.43,"sentiment":"neutral","sentiment_score":0.2502494752407074},{"text":"So that's kind of what I'm looking at.","start":262.43,"end":264.19,"sentiment":"neutral","sentiment_score":0.20512360148131847},{"text":"And just so I can note it down for our files, what's the company name?","start":264.19,"end":267.65,"sentiment":"neutral","sentiment_score":0.09525581523776054},{"text":"Yeah.","start":275.795,"end":276.275,"sentiment":"neutral","sentiment_score":0.05603867024183273},{"text":"I'll do a bit of a Google for that just to double check it, but KJ Consultants PTO RTG.","start":276.275,"end":280.935,"sentiment":"neutral","sentiment_score":0.023999088909476995}],"sentiment":"neutral","sentiment_score":0.08709311079953543,"num_words":44,"start":262.19,"end":280.935},{"sentences":[{"text":"No.","start":281.475,"end":281.635,"sentiment":"neutral","sentiment_score":-0.03787492960691452},{"text":"That's okay.","start":281.635,"end":282.375,"sentiment":"neutral","sentiment_score":0.014188751112669706},{"text":"Okay.","start":283.795,"end":284.295,"sentiment":"neutral","sentiment_score":0.04044135287404061},{"text":"And so with the invoicing and everything, you're now technically an employee of KJO?","start":284.435,"end":290.9,"sentiment":"neutral","sentiment_score":0.02899683080613613},{"text":"Awesome.","start":293.12,"end":293.6,"sentiment":"positive","sentiment_score":0.4019891619682312}],"sentiment":"neutral","sentiment_score":0.04415203782876855,"num_words":19,"start":281.475,"end":293.6},{"sentences":[{"text":"That's why you say you're you're kind of on those wages now.","start":293.6,"end":296.18,"sentiment":"neutral","sentiment_score":0.19105557973186174},{"text":"So in your mind then, does it when they invoice to your company, is it just a direct flow of, like, a thousand dollars go to goes to KJO and a thousand dollars goes out to you?","start":297.12,"end":307.195,"sentiment":"neutral","sentiment_score":0.03630551217576942},{"text":"Mhmm.","start":324.15,"end":324.38998,"sentiment":"neutral","sentiment_score":-0.042061977088451385},{"text":"Yeah.","start":324.38998,"end":324.88998,"sentiment":"neutral","sentiment_score":-0.02147980034351349},{"text":"Yeah.","start":335.125,"end":335.625,"sentiment":"neutral","sentiment_score":0.01137085072696209}],"sentiment":"neutral","sentiment_score":0.06891923039578475,"num_words":52,"start":293.6,"end":335.625},{"sentences":[{"text":"Perfect.","start":352.83502,"end":353.33502,"sentiment":"neutral","sentiment_score":0.2862424850463867},{"text":"So one last quick question before I dive into these options is the loans that you're paying out, we're just talking about the sort of personal loan and credit card.","start":353.39502,"end":362.77502,"sentiment":"neutral","sentiment_score":0.06825613602995872},{"text":"Yep.","start":364.18,"end":364.66,"sentiment":"neutral","sentiment_score":0.15857535600662231},{"text":"Perfect.","start":364.66,"end":365.16,"sentiment":"neutral","sentiment_score":0.2635001838207245},{"text":"Personal loan and credit card.","start":366.02002,"end":367.88,"sentiment":"neutral","sentiment_score":0.14806241691112518}],"sentiment":"neutral","sentiment_score":0.0920082681665295,"num_words":38,"start":352.83502,"end":367.88},{"sentences":[{"text":"So when you get the, like, wages and salary and so on, do you have an idea of how much that might look like weekly, fortnightly, monthly, or yearly?","start":368.02002,"end":376.76,"sentiment":"neutral","sentiment_score":0.043419606598286795},{"text":"Yeah.","start":390.46,"end":390.69998,"sentiment":"neutral","sentiment_score":0.02768208459019661},{"text":"And that's per week gross.","start":390.69998,"end":392.24,"sentiment":"neutral","sentiment_score":0.009052685089409351},{"text":"Perfect.","start":395.41998,"end":395.91998,"sentiment":"positive","sentiment_score":0.6937637329101562},{"text":"Okay.","start":396.46,"end":396.93997,"sentiment":"neutral","sentiment_score":0.22675472497940063}],"sentiment":"neutral","sentiment_score":0.06088196106154371,"num_words":37,"start":368.02002,"end":396.93997},{"sentences":[{"text":"So the two ways you can do it is, let's say, you get wages and a salary.","start":396.93997,"end":401.84,"sentiment":"neutral","sentiment_score":0.10242203031392659},{"text":"Is that standard 12% super contributions that we're saying is just like you're an employee of any other company is a good place to start because that just gives you that consistency.","start":402.325,"end":413.70502,"sentiment":"positive","sentiment_score":0.3453408202622086},{"text":"Because as your business is going, you you do need a few years for it to kind of settle in before you start going too crazy with splashing the money in different directions, if that makes sense.","start":413.765,"end":423.56,"sentiment":"neutral","sentiment_score":0.24125276989228017},{"text":"So if you're getting consistent wage and a consistent contribution percentage, that gives you that consistency in the background.","start":423.56,"end":430.78,"sentiment":"neutral","sentiment_score":0.3137830774250783},{"text":"The other option is why I mentioned things like sole trader is you've got a lot of people who get an ABN.","start":432.975,"end":438.675,"sentiment":"neutral","sentiment_score":0.0630742148919539}],"sentiment":"neutral","sentiment_score":0.22888145234993124,"num_words":127,"start":396.93997,"end":438.675},{"sentences":[{"text":"They have to pay their own super, and they get all this income, but they're not on wages or anything like that.","start":438.975,"end":443.85498,"sentiment":"neutral","sentiment_score":0.024524058755063874},{"text":"They don't have a salary set up.","start":443.85498,"end":445.38,"sentiment":"neutral","sentiment_score":-0.03453004865774086},{"text":"So what they would do is they would essentially put some contributions in personally and then claim them as, like, a a tax deduction, essentially, to get to the same effect.","start":445.62,"end":458.2,"sentiment":"neutral","sentiment_score":0.10417712167386085},{"text":"So what I wanted to kind of ask you is do you think once that loan's paid off that you would be able to set up the the wages and the super contribution percentages, or would you be leaning the other way?","start":460.145,"end":471.48,"sentiment":"neutral","sentiment_score":0.06213258481806233},{"text":"Yeah.","start":494.375,"end":494.535,"sentiment":"neutral","sentiment_score":0.013505585491657255}],"sentiment":"neutral","sentiment_score":0.059712464774244474,"num_words":103,"start":438.975,"end":494.535},{"sentences":[{"text":"I'm with you.","start":494.535,"end":495.435,"sentiment":"neutral","sentiment_score":0.0411421749740839},{"text":"Well, this might help a little bit for picturing it in your mind.","start":503.03,"end":506.97,"sentiment":"neutral","sentiment_score":0.08580652352135915},{"text":"So you told me just before 4,435 a week gross coming through to you, to the company kind of thing.","start":507.27002,"end":514.495,"sentiment":"neutral","sentiment_score":0.030911377910524607},{"text":"Imagine if you just took all of that as a salary and all of a sudden you're on $230,000 per year as a salary.","start":514.635,"end":523.29504,"sentiment":"neutral","sentiment_score":-0.0029267899226397276},{"text":"Obviously, lot of tax comes off the back of that.","start":523.92,"end":526.64,"sentiment":"neutral","sentiment_score":-0.2961196407675743}],"sentiment":"neutral","sentiment_score":-0.016775721098695483,"num_words":70,"start":494.535,"end":526.64},{"sentences":[{"text":"If you were to then to pay 12% super contributions on top of that, well, all of a sudden, now you need an additional $30,000 that you're, like, where are you gonna source that $30,000 to pay those contributions?","start":526.64,"end":540.275,"sentiment":"neutral","sentiment_score":-0.04657994931898056},{"text":"Do you know what I mean?","start":542.73505,"end":543.375,"sentiment":"neutral","sentiment_score":0.01935219019651413},{"text":"So if you just set your salary as a one to one to every dollar you're getting in, you don't have that extra money, so you almost would have to, like, trim down your income to compensate.","start":543.375,"end":551.315,"sentiment":"neutral","sentiment_score":-0.005299505274239424},{"text":"So one of the things that people tend to do is they again, this is where the accounts will be good for this, is how much are you drawing out in terms of director's loans or wages or salary to make sure you're not overshooting tax wise.","start":553.87,"end":568.305,"sentiment":"neutral","sentiment_score":0.21350596995746834},{"text":"And then if you do have a lot left over, we can either set up a small recurring contribution into super or even at the end of financial year, you could just put in a lump sum and then claim it as a deduction.","start":568.925,"end":581.82,"sentiment":"neutral","sentiment_score":0.15246325409547848}],"sentiment":"neutral","sentiment_score":0.0858183652647055,"num_words":173,"start":526.64,"end":581.82},{"sentences":[{"text":"Once you've gone through your quarterlies and your BASs and kept on top of all of your accounting and bookkeeping, you'll kind of have an idea by the end of financial year what's kinda left over and then can maybe look at doing a contribution then.","start":581.82,"end":594.915,"sentiment":"neutral","sentiment_score":0.1741831220038559},{"text":"Does that sort of make sense?","start":597.795,"end":598.83496,"sentiment":"neutral","sentiment_score":0.039635688066482544},{"text":"I'm hope I'm not throwing too much information at you.","start":598.83496,"end":602.055,"sentiment":"neutral","sentiment_score":-0.14444175437092782},{"text":"Yes.","start":609.08997,"end":609.58997,"sentiment":"neutral","sentiment_score":0.03737843781709671},{"text":"Yeah.","start":612.77,"end":613.17,"sentiment":"neutral","sentiment_score":0.1037118285894394}],"sentiment":"neutral","sentiment_score":0.10854547598864883,"num_words":64,"start":581.82,"end":613.17},{"sentences":[{"text":"So what I'm saying here is we need to keep it relatively straightforward to begin with, which is once you are going to go set up that that salary, that income after you pay off the loan, is just try and find out through the accountants how much that's going to look like.","start":613.17,"end":629.445,"sentiment":"neutral","sentiment_score":0.17775090811949856},{"text":"And then just ask the question, am I going to do 12% super on that, or should I let this ride until the end of financial year?","start":629.82495,"end":636.86,"sentiment":"neutral","sentiment_score":-0.003689273890038883},{"text":"And then we assist in a bit of a triangle.","start":636.86,"end":639.2,"sentiment":"neutral","sentiment_score":0.10942368768155575},{"text":"So if you have a plan with your accountant for the year about how the income looks, once you get to the end of financial year, we can speak to you and say, hey.","start":639.66003,"end":648.22003,"sentiment":"neutral","sentiment_score":0.07838429861208972},{"text":"Now that it's June, let's you've got all this cash sitting there.","start":648.22003,"end":651.785,"sentiment":"neutral","sentiment_score":0.101670041680336}],"sentiment":"neutral","sentiment_score":0.10515096518450745,"num_words":136,"start":613.17,"end":651.785},{"sentences":[{"text":"You can afford to put this much into your super.","start":651.785,"end":654.125,"sentiment":"neutral","sentiment_score":0.24094916135072708},{"text":"We'll help you with the forms to claim it for a deduction, and you can bring that to your accountant to do your tax return.","start":654.26495,"end":659.805,"sentiment":"neutral","sentiment_score":0.28485212445259095},{"text":"K.","start":663.16,"end":663.4,"sentiment":"neutral","sentiment_score":0.05062095820903778},{"text":"So if you do if you are writing anything down or taking notes, it's called an NOI, notice of intent to claim.","start":663.4,"end":671.34,"sentiment":"neutral","sentiment_score":0.032690264538607815},{"text":"And it's basically just a form that a lot of self employed people do to say, hey.","start":671.64,"end":675.4,"sentiment":"neutral","sentiment_score":0.02087315478745629}],"sentiment":"neutral","sentiment_score":0.14207260179022949,"num_words":75,"start":651.785,"end":675.4},{"sentences":[{"text":"I've been throwing all this money in from a bank account into my super.","start":675.4,"end":678.51495,"sentiment":"neutral","sentiment_score":0.006163889808314186},{"text":"Can I please claim it as concessional as a tax deduction similar to had you paid yourself that percentage as an employer?","start":678.735,"end":688.19495,"sentiment":"neutral","sentiment_score":0.15089016399261626},{"text":"Cool.","start":692.26996,"end":692.76996,"sentiment":"positive","sentiment_score":0.5221971273422241},{"text":"So we can kind of go either way with it.","start":693.23,"end":695.07,"sentiment":"neutral","sentiment_score":0.19740437120199203},{"text":"I just wanna be careful because you've got so much coming in gross into the business that I'm not sure what to base it on in terms of, like, are you just gonna pay yourself the minimum or a certain amount?","start":695.07,"end":707.39496,"sentiment":"neutral","sentiment_score":-0.17248423597434673}],"sentiment":"neutral","sentiment_score":-0.013292440573092212,"num_words":88,"start":675.4,"end":707.39496},{"sentences":[{"text":"Just need to work out the income side of things.","start":708.015,"end":710.27496,"sentiment":"neutral","sentiment_score":-0.07756771519780159},{"text":"No.","start":730.125,"end":730.625,"sentiment":"neutral","sentiment_score":-0.15470048785209656},{"text":"Yep.","start":746.38,"end":746.88,"sentiment":"neutral","sentiment_score":-0.03304680436849594},{"text":"Yeah.","start":746.94,"end":747.44,"sentiment":"neutral","sentiment_score":-0.03281278535723686},{"text":"Exactly right.","start":757.675,"end":758.555,"sentiment":"neutral","sentiment_score":0.11887213960289955}],"sentiment":"neutral","sentiment_score":-0.050566196690003076,"num_words":15,"start":708.015,"end":758.555},{"sentences":[{"text":"Because depending on the type of business that you've got, that money needs to go in certain places.","start":758.555,"end":764.81,"sentiment":"neutral","sentiment_score":-0.03876771622647842},{"text":"Right?","start":764.81,"end":765.05,"sentiment":"neutral","sentiment_score":-0.003896007314324379},{"text":"You may have to have put aside let's say you pay that and you live off that 100 and something thousand.","start":765.05,"end":769.87,"sentiment":"neutral","sentiment_score":0.008461166794101397},{"text":"Well, does that include having put aside the personal taxes?","start":770.17,"end":773.95,"sentiment":"neutral","sentiment_score":0.12658096477389336},{"text":"Do you have to worry about GST and making sure that's put aside and then things like super contributions as well within that leftover $1.20?","start":775.065,"end":783.965,"sentiment":"neutral","sentiment_score":0.1460676896572113}],"sentiment":"neutral","sentiment_score":0.05857961989939213,"num_words":75,"start":758.555,"end":783.965},{"sentences":[{"text":"Yep.","start":786.505,"end":786.87,"sentiment":"neutral","sentiment_score":0.2272428721189499},{"text":"So not to try and push you in a triangle to just, you know, go talk to the accountants, talk to us, talk to the accounts, talk to us.","start":787.11,"end":793.21,"sentiment":"neutral","sentiment_score":0.09999133004196759},{"text":"But if they give you an idea of what the income is looking like, those extra considerations in terms of what to keep aside and what's gonna happen with it, we can work out whether it's best to put in, again, a percentage of contributions or just do one at the end of financial year, and we'll we'll help you along the way.","start":793.43,"end":811.47504,"sentiment":"neutral","sentiment_score":0.13505075996120772},{"text":"Yeah.","start":812.67,"end":813.17,"sentiment":"neutral","sentiment_score":0.16824203729629517},{"text":"Yeah.","start":818.26996,"end":818.35,"sentiment":"neutral","sentiment_score":0.09160517156124116}],"sentiment":"neutral","sentiment_score":0.1252109108394698,"num_words":95,"start":786.505,"end":818.35},{"sentences":[{"text":"Just a bit of an indication of what it's looking like because, again, I would be curious too with the extra funds left over what that needs to be set aside for and whether it would be 50,000, a 100,000, or how much is gonna come out to you in terms of an official income.","start":818.35,"end":833.96497,"sentiment":"neutral","sentiment_score":0.07180835482749072},{"text":"It gives us plenty of time, though.","start":838.665,"end":840.445,"sentiment":"neutral","sentiment_score":0.09028975878443037},{"text":"We've still got a few months until the end of financial year, so heaps of time to work it out.","start":841.14,"end":845.06,"sentiment":"neutral","sentiment_score":0.05905497763305902},{"text":"That's all.","start":845.06,"end":845.8,"sentiment":"neutral","sentiment_score":0.04586576111614704},{"text":"Sorry.","start":848.10004,"end":848.34,"sentiment":"neutral","sentiment_score":0.014906849712133408}],"sentiment":"neutral","sentiment_score":0.06904971472480718,"num_words":85,"start":818.35,"end":848.34},{"sentences":[{"text":"What were you saying?","start":848.34,"end":849.32,"sentiment":"neutral","sentiment_score":-0.03355472907423973},{"text":"Yeah.","start":880.145,"end":880.645,"sentiment":"neutral","sentiment_score":0.08162727952003479},{"text":"Yeah.","start":899.84,"end":900.34,"sentiment":"neutral","sentiment_score":-0.04341752827167511},{"text":"And that's why, like, it's going to be initially, but it's that's very normal.","start":901.85504,"end":906.255,"sentiment":"neutral","sentiment_score":-0.051894375522221835},{"text":"Like, the first three to five years is a little bit of, like, settling into how to run these things and what to keep an eye on.","start":906.255,"end":913.71,"sentiment":"neutral","sentiment_score":0.0829013870270164}],"sentiment":"neutral","sentiment_score":0.030123553773824203,"num_words":47,"start":848.34,"end":913.71},{"sentences":[{"text":"Like I was saying, once you've figured out all those different things to pay, I think the safest thing for you would just be to spend that, you know, March, April, May, the next three months just trying to settle into that and make sure, you know, what you've got to set aside.","start":914.51,"end":930.045,"sentiment":"neutral","sentiment_score":0.19031902262062397},{"text":"And then if you're sitting there saying, oh, in the business account or the trust account, there's all of this cash sitting there.","start":930.185,"end":935.40497,"sentiment":"neutral","sentiment_score":0.0413497935211205},{"text":"Okay.","start":935.625,"end":936.125,"sentiment":"neutral","sentiment_score":0.02765989676117897},{"text":"What do I do with it?","start":936.425,"end":937.305,"sentiment":"neutral","sentiment_score":-0.028566305836041767},{"text":"I need to put this into the tax.","start":937.305,"end":938.90497,"sentiment":"neutral","sentiment_score":-0.055578796193003654}],"sentiment":"neutral","sentiment_score":0.11483060595692023,"num_words":91,"start":914.51,"end":938.90497},{"sentences":[{"text":"I'll put this much into super.","start":938.90497,"end":940.52496,"sentiment":"neutral","sentiment_score":0.08173544332385063},{"text":"So we'll leave it to, like, a a during discussion to try and find out what to do because I don't wanna jump the gun and say do x when you've got three or four other things that have to be considered as well.","start":940.62,"end":951.6,"sentiment":"neutral","sentiment_score":-0.0033329799347980456},{"text":"But, again, that'll come into routine.","start":954.525,"end":956.285,"sentiment":"neutral","sentiment_score":0.12314186431467533},{"text":"And then before you know it, you're doing your quarterly VAT statements and your bookkeeping and your tax returns and everything starts to paint a clearer picture.","start":956.285,"end":962.945,"sentiment":"neutral","sentiment_score":0.11267826292249891},{"text":"And then that gives you almost less options in a good way where it's like now you know all the things you have to make sure are ticked, and it leaves you less left over with a question mark around it.","start":963.405,"end":977.04,"sentiment":"neutral","sentiment_score":0.02864458212038366}],"sentiment":"neutral","sentiment_score":0.042736723343090664,"num_words":124,"start":938.90497,"end":977.04},{"sentences":[{"text":"Whereas at the moment, it could be hundreds of thousands sitting there, and you're like, I don't know.","start":977.66,"end":981.855,"sentiment":"neutral","sentiment_score":-0.11470544938411978},{"text":"Yep.","start":988.415,"end":988.915,"sentiment":"neutral","sentiment_score":-0.0163724385201931},{"text":"You did have a question as well around, like, self managed super funds, I'm assuming, to, like, purchase property and sell them.","start":989.695,"end":996.255,"sentiment":"neutral","sentiment_score":0.003506035178857432},{"text":"Was that also something you were thinking?","start":996.255,"end":1005.77,"sentiment":"neutral","sentiment_score":-0.004145931718604905},{"text":"Yep.","start":1006.47003,"end":1006.97003,"sentiment":"neutral","sentiment_score":0.20669642090797424}],"sentiment":"neutral","sentiment_score":-0.03727067050248461,"num_words":49,"start":977.66,"end":1006.97003},{"sentences":[{"text":"Yeah.","start":1024.9,"end":1025.14,"sentiment":"neutral","sentiment_score":0.09892883151769638},{"text":"So I won't overwhelm you with too much information because it's not relevant right now.","start":1025.14,"end":1030.26,"sentiment":"neutral","sentiment_score":-0.10957144731655717},{"text":"But when you when you hit that sort of two fifty mark, depending on, like, your contributions going to super because think of it this way.","start":1030.26,"end":1038.615,"sentiment":"neutral","sentiment_score":0.04891065307534658},{"text":"Your super fund, its serviceability for a loan, its income is essentially your contributions.","start":1038.6749,"end":1044.7749,"sentiment":"neutral","sentiment_score":0.06918912274496895},{"text":"So if you go to borrow money to get an investment property, they go, how much capital have you got, which is your super, and how much is your serviceability and income, which is the rent versus your contributions rather than your wages.","start":1046.835,"end":1057.9501,"sentiment":"neutral","sentiment_score":0.10957423354997191}],"sentiment":"neutral","sentiment_score":0.054619938008148565,"num_words":99,"start":1024.9,"end":1057.9501},{"sentences":[{"text":"And so they take that into account for the lending side.","start":1058.41,"end":1061.63,"sentiment":"neutral","sentiment_score":0.08841989121653816},{"text":"In terms of actually doing it, you need to actually create a trust fund, which is the super fund, possibly a company, which is a trustee.","start":1061.8501,"end":1070.625,"sentiment":"neutral","sentiment_score":0.07378323476475018},{"text":"And then to get the loan, you have to set up a bear trust and a bear company to actually hold the loan itself.","start":1071.485,"end":1077.405,"sentiment":"neutral","sentiment_score":0.05928643839433789},{"text":"So there's four entities that we create through your accountant.","start":1077.405,"end":1080.47,"sentiment":"neutral","sentiment_score":0.05590657778084278},{"text":"And then the advisers, we would essentially set up the bank account and the investment account to move the money into to buy the property and invest the funds.","start":1081.33,"end":1091.35,"sentiment":"neutral","sentiment_score":0.07516907014209649}],"sentiment":"neutral","sentiment_score":0.0705282624065876,"num_words":100,"start":1058.41,"end":1091.35},{"sentences":[{"text":"So it's quite an involved process, a little bit of cost for setup and so on.","start":1092.545,"end":1096.725,"sentiment":"neutral","sentiment_score":-0.03228214738192037},{"text":"Would you be going into it with anybody else, or is it mainly just your your own super, your own contributions?","start":1097.985,"end":1102.805,"sentiment":"neutral","sentiment_score":-0.03819650012467589},{"text":"Yeah.","start":1105.04,"end":1105.36,"sentiment":"neutral","sentiment_score":-0.01404603198170662},{"text":"So based on once we settle into the income group side of things and get some contributions rolling, this might be like a next year question once you're above that two fifty because it's easier when you're like a a couple, and that couple has two sets of contributions, which is like double the income, so to speak, just to actually get a loan in this day and age given the property market at the moment.","start":1105.36,"end":1127.9651,"sentiment":"neutral","sentiment_score":0.07816981573246028},{"text":"Yeah.","start":1138.8401,"end":1139.3401,"sentiment":"neutral","sentiment_score":0.14095637202262878}],"sentiment":"neutral","sentiment_score":0.04129717804329551,"num_words":115,"start":1092.545,"end":1139.3401},{"sentences":[{"text":"Depends on, like, structure and consistency.","start":1156.7899,"end":1159.2899,"sentiment":"neutral","sentiment_score":-0.01935759900758664},{"text":"So sometimes they like to see a good two or three years of, like, consistent income.","start":1159.59,"end":1164.65,"sentiment":"neutral","sentiment_score":0.0894582832697779},{"text":"However, if you're like these guys I was talking about where they're getting these invoices from one source and it's a very consistent same income, but now all of a sudden they have a company with the exact same income, it's almost like a continuation.","start":1165.19,"end":1177.0549,"sentiment":"neutral","sentiment_score":-0.04703100778990322},{"text":"So that can kind of bridge it a little bit.","start":1177.6749,"end":1179.835,"sentiment":"neutral","sentiment_score":0.03631781712174416},{"text":"So, yeah, somewhere between the one to three year mark, I wouldn't try and do it in less than twelve months because they won't have much to go off.","start":1179.835,"end":1187.47,"sentiment":"neutral","sentiment_score":-0.20030729369870548}],"sentiment":"neutral","sentiment_score":-0.05893341281433713,"num_words":106,"start":1156.7899,"end":1187.47},{"sentences":[{"text":"Yeah.","start":1232.55,"end":1232.95,"sentiment":"neutral","sentiment_score":0.18796902894973755},{"text":"That'll be a big thing too.","start":1232.95,"end":1234.33,"sentiment":"neutral","sentiment_score":0.21726478884617487},{"text":"Yeah.","start":1258.5801,"end":1258.9,"sentiment":"neutral","sentiment_score":0.25092530250549316},{"text":"Absolutely.","start":1258.9,"end":1259.4,"sentiment":"positive","sentiment_score":0.4270796775817871},{"text":"So there's so much going on, Kirsty, that it's part of our job is just to help you kind of break it down into one bit at a time.","start":1259.4601,"end":1265.9601,"sentiment":"neutral","sentiment_score":0.23563052765254316}],"sentiment":"neutral","sentiment_score":0.23691705379046893,"num_words":38,"start":1232.55,"end":1265.9601},{"sentences":[{"text":"And I can kind of picture it now as you just kind of settle into this groove now with the taxes and the accounting side.","start":1266.1,"end":1272.365,"sentiment":"neutral","sentiment_score":0.2600765311717987},{"text":"We'll get a little bit of super contributions rolling after that.","start":1272.745,"end":1276.1849,"sentiment":"neutral","sentiment_score":0.30294901403513824},{"text":"Your income's gonna change.","start":1276.1849,"end":1277.465,"sentiment":"neutral","sentiment_score":0.2543150261044502},{"text":"We wanna build up your cash towards building a buying a home.","start":1277.465,"end":1280.9249,"sentiment":"neutral","sentiment_score":0.3075789213180542},{"text":"We can revisit whether we invest your super in a direct property next year sometime.","start":1282.04,"end":1287.42,"sentiment":"neutral","sentiment_score":0.2526765118042628}],"sentiment":"neutral","sentiment_score":0.2736224965817893,"num_words":67,"start":1266.1,"end":1287.42},{"sentences":[{"text":"For now, we'll just keep it growing nice and steadily and just, again, build those little trunks and habits.","start":1287.48,"end":1295.4249,"sentiment":"positive","sentiment_score":0.3546677020035292},{"text":"Like, we use a lot of tree analogies here just to build the roots and the foundation.","start":1295.4249,"end":1298.965,"sentiment":"neutral","sentiment_score":0.2761012692661846},{"text":"And then as it becomes time when it's appropriate, we're gonna branch out into a few different things.","start":1299.505,"end":1304.865,"sentiment":"neutral","sentiment_score":0.11678755987021658},{"text":"So you've got a lot to do in the next three to five years, but plenty for the next three months at least.","start":1304.865,"end":1310.28,"sentiment":"neutral","sentiment_score":0.07078201647685922},{"text":"Cool.","start":1313.14,"end":1313.62,"sentiment":"positive","sentiment_score":0.4698311388492584}],"sentiment":"neutral","sentiment_score":0.20041540398811683,"num_words":78,"start":1287.48,"end":1313.62},{"sentences":[{"text":"That that's all very exciting.","start":1313.62,"end":1314.92,"sentiment":"positive","sentiment_score":0.6262093782424927},{"text":"I've put a few notes on the account just so we know what's going on with you.","start":1314.98,"end":1318.34,"sentiment":"neutral","sentiment_score":0.2287057638168335},{"text":"And when we do that next review, I'm gonna be very careful in terms of, like, your income changes and so on.","start":1318.34,"end":1325.065,"sentiment":"neutral","sentiment_score":0.09281746772202579},{"text":"So do appreciate you at least letting us know all of this is happening.","start":1325.065,"end":1328.985,"sentiment":"positive","sentiment_score":0.4618956446647644},{"text":"Thank you for that.","start":1328.985,"end":1330.0449,"sentiment":"positive","sentiment_score":0.5445538610219955}],"sentiment":"neutral","sentiment_score":0.2855771554093207,"num_words":62,"start":1313.62,"end":1330.0449},{"sentences":[{"text":"I was just gonna ask you if you had any sort of questions or anything that I haven't covered so far.","start":1335.24,"end":1339.5,"sentiment":"neutral","sentiment_score":0.07748659771113169},{"text":"That's a great question.","start":1385.54,"end":1386.66,"sentiment":"neutral","sentiment_score":0.17774699395522475},{"text":"And it's one of those things where I apologize I didn't mention it as well, is at the moment, there's no contributions going in.","start":1386.66,"end":1394.18,"sentiment":"neutral","sentiment_score":-0.11402229491310815},{"text":"Like, I've already kind of flagged it in our system because your last contribution was in November 2025.","start":1394.18,"end":1400.5851,"sentiment":"neutral","sentiment_score":-0.08793602573374908},{"text":"We put a little bit of a twelve month flagging on client accounts internally where we say, okay.","start":1401.045,"end":1408.43,"sentiment":"neutral","sentiment_score":-0.07947713798946804}],"sentiment":"neutral","sentiment_score":-0.04013841761385693,"num_words":85,"start":1335.24,"end":1408.43},{"sentences":[{"text":"If no contributions are going in for twelve months, obviously, there's a reason for that because you're going into this business side of things.","start":1408.43,"end":1415.01,"sentiment":"neutral","sentiment_score":-0.1609325803195437},{"text":"We need to make sure that in terms of super growing, usually, you're super when it's in that kind of growth high growth space that yours is.","start":1416.11,"end":1425.375,"sentiment":"neutral","sentiment_score":0.09692515322455654},{"text":"It can still grow.","start":1425.3949,"end":1426.5349,"sentiment":"neutral","sentiment_score":0.14296576008200645},{"text":"That's okay, but fees will also have an impact.","start":1426.6749,"end":1430.375,"sentiment":"neutral","sentiment_score":-0.04340993033515082},{"text":"So twelve months is not normally too big of an issue in the grand scheme of life and investments and retirement.","start":1432.0349,"end":1438.7999,"sentiment":"neutral","sentiment_score":-0.07684928214266187}],"sentiment":"neutral","sentiment_score":-0.031506635862238265,"num_words":85,"start":1408.43,"end":1438.7999},{"sentences":[{"text":"But if this was something that continued on for three, four, five years, we would have to be questioning whether we could even do anything for you as well.","start":1439.26,"end":1446.48,"sentiment":"neutral","sentiment_score":-0.1529013902462762},{"text":"So on one side, if we're going to roll in and do again, your business is growing and we're doing contributions and we're doing investments and there's things that we can add value for, that's fantastic.","start":1446.7,"end":1458.005,"sentiment":"neutral","sentiment_score":0.24653528899782234},{"text":"We've got some people who become like an ABN sole trader tradesman, and we just can't just we can't do anything.","start":1458.7051,"end":1466.3251,"sentiment":"neutral","sentiment_score":0.0023531484461966016},{"text":"Can't make any changes.","start":1467.13,"end":1468.27,"sentiment":"neutral","sentiment_score":-0.0894318725913763},{"text":"Fees are making a negative impact, so we are not no longer a positive impact on the super, if that makes sense.","start":1468.73,"end":1475.55,"sentiment":"negative","sentiment_score":-0.49874587086114014}],"sentiment":"neutral","sentiment_score":-0.061067771831793446,"num_words":112,"start":1439.26,"end":1475.55},{"sentences":[{"text":"So your account basically stays okay.","start":1476.97,"end":1479.39,"sentiment":"neutral","sentiment_score":0.19656603038311005},{"text":"Normally, if you go, like, eighteen months fully in like, inactive, super accounts can generally go inactive.","start":1480.915,"end":1488.4551,"sentiment":"neutral","sentiment_score":-0.18529223256251393},{"text":"If it's your only fund, it's usually okay.","start":1488.915,"end":1491.8151,"sentiment":"neutral","sentiment_score":-0.10624269675463438},{"text":"But if you had multiple funds, they can close them down, cancel attached insurances.","start":1492.36,"end":1497.02,"sentiment":"neutral","sentiment_score":-0.2754769261394228},{"text":"There's things just to watch out for.","start":1497.48,"end":1499.0,"sentiment":"neutral","sentiment_score":-0.22996009247643606}],"sentiment":"neutral","sentiment_score":-0.15936367228054082,"num_words":52,"start":1476.97,"end":1499.0},{"sentences":[{"text":"That's all.","start":1499.0,"end":1499.74,"sentiment":"neutral","sentiment_score":-0.1607731729745865},{"text":"Yeah.","start":1534.725,"end":1535.045,"sentiment":"neutral","sentiment_score":0.09442267566919328},{"text":"So what we would do, if you can call us back, that'd be good.","start":1535.045,"end":1538.085,"sentiment":"neutral","sentiment_score":0.23039935954979487},{"text":"I'm already gonna set up a contact point for someone to give you a call at least in May just to check-in.","start":1538.085,"end":1543.385,"sentiment":"neutral","sentiment_score":0.20346760682084344},{"text":"And what we would do from there is we'll give you some BPA or EFT details so you can make the contribution.","start":1544.11,"end":1551.97,"sentiment":"neutral","sentiment_score":0.17616249485449356}],"sentiment":"neutral","sentiment_score":0.18607097705368136,"num_words":61,"start":1499.0,"end":1551.97},{"sentences":[{"text":"We'll pre fill in the forms to claim it as a tax deduction, get you to sign that, process it through your Superfund, which is Hub, and then we'll give that to you once you get your confirmation letter to give to your accountant when you do your tax return.","start":1552.59,"end":1567.4651,"sentiment":"neutral","sentiment_score":0.13688861049711704},{"text":"Yep.","start":1578.1799,"end":1578.6799,"sentiment":"neutral","sentiment_score":0.04738770052790642},{"text":"Similar.","start":1583.715,"end":1584.215,"sentiment":"neutral","sentiment_score":-0.009834175929427149},{"text":"Similar.","start":1584.355,"end":1584.855,"sentiment":"neutral","sentiment_score":0.0008451733738183975},{"text":"So let's say that your company generated, for argument's sake, a $120,000, and it was gonna pay tax on that.","start":1584.9149,"end":1592.995,"sentiment":"neutral","sentiment_score":0.008500279672443867}],"sentiment":"neutral","sentiment_score":0.09661417556543873,"num_words":73,"start":1552.59,"end":1592.995},{"sentences":[{"text":"So a 100,000 comes out to you in wages and you pay income tax on that.","start":1592.995,"end":1597.88,"sentiment":"neutral","sentiment_score":0.06539368559606373},{"text":"The 20,000 that's left over is about to be taxed.","start":1598.9,"end":1601.9601,"sentiment":"neutral","sentiment_score":-0.028360767755657434},{"text":"So by putting it into super, you're putting it in at a concessional rate of 15% because you're allowed to do that up to 30,000 and so on, and then you're not being taxed at 32, 37, or above.","start":1602.5801,"end":1615.9349,"sentiment":"neutral","sentiment_score":0.037937668432744265},{"text":"Yep.","start":1619.0349,"end":1619.355,"sentiment":"neutral","sentiment_score":0.15118466317653656},{"text":"So what actually happens is because super is taxed at 15%, give you an example, you put $20 into your super.","start":1619.355,"end":1625.88,"sentiment":"neutral","sentiment_score":0.12371005224330085}],"sentiment":"neutral","sentiment_score":0.057371909438429035,"num_words":87,"start":1592.995,"end":1625.88},{"sentences":[{"text":"We submit that form to claim it.","start":1626.4199,"end":1629.3999,"sentiment":"neutral","sentiment_score":0.1386629343032837},{"text":"They'll take 15% out of that and give it to the tax office and tell the tax office this is a concessional contribution.","start":1629.46,"end":1635.88,"sentiment":"neutral","sentiment_score":0.1428323446408562},{"text":"Then when you come to do your tax return, your income for tax purposes is dropped 20,000, and then you pay tax on the leftover.","start":1636.455,"end":1647.515,"sentiment":"neutral","sentiment_score":0.06703428745269775},{"text":"Yeah.","start":1662.165,"end":1662.565,"sentiment":"neutral","sentiment_score":-0.008916325867176056},{"text":"Absolutely.","start":1662.565,"end":1663.065,"sentiment":"neutral","sentiment_score":0.02557021751999855}],"sentiment":"neutral","sentiment_score":0.10435606219005167,"num_words":57,"start":1626.4199,"end":1663.065},{"sentences":[{"text":"Five years.","start":1663.205,"end":1663.945,"sentiment":"neutral","sentiment_score":-0.015928933396935463},{"text":"Not that you would want to put in $150,000 in one go this financial year, but you can actually use up anything that you haven't used going backwards five years.","start":1664.565,"end":1675.545,"sentiment":"neutral","sentiment_score":-0.09612416836122671},{"text":"Yeah.","start":1678.27,"end":1678.59,"sentiment":"neutral","sentiment_score":-0.042211100459098816},{"text":"Just be careful, though, because it's very tempting for people to say, just chuck your money into super because it's a tax deduction, which is great, but then you're kind of locking it away until six year above.","start":1678.59,"end":1689.245,"sentiment":"neutral","sentiment_score":-0.19546682681692273},{"text":"So just doing it for a tax deduction is not kind of the right idea.","start":1689.245,"end":1693.1849,"sentiment":"negative","sentiment_score":-0.5227978587150574}],"sentiment":"neutral","sentiment_score":-0.21194768974254297,"num_words":86,"start":1663.205,"end":1693.1849},{"sentences":[{"text":"I prefer putting in enough to get the super moving to where it needs to go, but if there's usage for the money personally, make sure you take that into account as well before you lock it away.","start":1693.8049,"end":1704.23,"sentiment":"neutral","sentiment_score":0.018792392931094293},{"text":"Yeah.","start":1706.85,"end":1707.1699,"sentiment":"neutral","sentiment_score":0.05997469648718834},{"text":"Especially if you wanna get a property.","start":1707.1699,"end":1708.87,"sentiment":"neutral","sentiment_score":0.09429557834352766},{"text":"Yeah.","start":1713.905,"end":1714.405,"sentiment":"neutral","sentiment_score":0.10297241806983948},{"text":"Me too.","start":1714.5449,"end":1715.365,"sentiment":"neutral","sentiment_score":0.10184471681714058}],"sentiment":"neutral","sentiment_score":0.03552686791790991,"num_words":49,"start":1693.8049,"end":1715.365},{"sentences":[{"text":"Yep.","start":1723.105,"end":1723.605,"sentiment":"neutral","sentiment_score":0.13421568274497986},{"text":"Awesome.","start":1727.84,"end":1728.24,"sentiment":"positive","sentiment_score":0.7180900573730469},{"text":"And what I'll have to do at that point too, Kirsty, is once we figure out the income and super side of things, I will just update a few more details on your file just because I've got your company noted down in the estimates.","start":1728.24,"end":1739.86,"sentiment":"neutral","sentiment_score":0.15252763248152204},{"text":"But if there are, again, changes to your duties and things like that, I'll go a bit more in-depth in the next conversation.","start":1740.365,"end":1745.5851,"sentiment":"neutral","sentiment_score":0.04517225913055565},{"text":"Beauty.","start":1748.045,"end":1748.545,"sentiment":"neutral","sentiment_score":0.310234934091568}],"sentiment":"neutral","sentiment_score":0.1276795224771953,"num_words":71,"start":1723.105,"end":1748.545},{"sentences":[{"text":"KJO Consulting.","start":1753.9801,"end":1755.3601,"sentiment":"neutral","sentiment_score":0.031305814161896706},{"text":"I'm hoping there's not too many of those around the country.","start":1757.02,"end":1760.56,"sentiment":"neutral","sentiment_score":0.00817253203554587},{"text":"KJO Consulting.","start":1761.8201,"end":1763.12,"sentiment":"neutral","sentiment_score":0.07696486823260784},{"text":"I'm hoping there is a Facebook page, which is cool.","start":1764.38,"end":1769.6749,"sentiment":"neutral","sentiment_score":0.23422697186470032},{"text":"I'm hoping that's yours.","start":1770.5349,"end":1771.755,"sentiment":"neutral","sentiment_score":0.18109052069485188}],"sentiment":"neutral","sentiment_score":0.11631279374504912,"num_words":29,"start":1753.9801,"end":1771.755},{"sentences":[{"text":"No.","start":1773.815,"end":1774.135,"sentiment":"neutral","sentiment_score":-0.059017159044742584},{"text":"There's a few of those around the world.","start":1774.135,"end":1775.9149,"sentiment":"neutral","sentiment_score":-0.038802875904366374},{"text":"Actually, if you do have the the ABN, that'd be fantastic, or ACN.","start":1789.59,"end":1793.995,"sentiment":"neutral","sentiment_score":0.10786796361207962},{"text":"I would love to note those down.","start":1817.925,"end":1819.865,"sentiment":"neutral","sentiment_score":0.1398473275559289},{"text":"Six nine one zero three nine zero, double seven.","start":1824.5651,"end":1832.05,"sentiment":"neutral","sentiment_score":0.04730153207977613}],"sentiment":"neutral","sentiment_score":0.06414443269175918,"num_words":38,"start":1773.815,"end":1832.05},{"sentences":[{"text":"Cool.","start":1841.4049,"end":1841.565,"sentiment":"neutral","sentiment_score":0.2149375677108765},{"text":"So I'll just read that back to you.","start":1841.565,"end":1843.005,"sentiment":"neutral","sentiment_score":0.1336374469101429},{"text":"24315008263.","start":1843.005,"end":1846.945,"sentiment":"neutral","sentiment_score":0.05150078237056732},{"text":"Perfect.","start":1848.445,"end":1848.945,"sentiment":"positive","sentiment_score":0.5677551031112671},{"text":"Thank you for that.","start":1849.005,"end":1849.725,"sentiment":"positive","sentiment_score":0.6759247779846191}],"sentiment":"neutral","sentiment_score":0.30713280936082205,"num_words":15,"start":1841.4049,"end":1849.725},{"sentences":[{"text":"Really appreciate you having that on hand.","start":1849.725,"end":1851.585,"sentiment":"positive","sentiment_score":0.6342019183295113},{"text":"Awesome.","start":1853.325,"end":1853.825,"sentiment":"positive","sentiment_score":0.4297465682029724},{"text":"So I'll add this all into the file.","start":1854.3,"end":1856.38,"sentiment":"neutral","sentiment_score":0.25421582348644733},{"text":"There'll be some notes there for the your usual adviser as well.","start":1856.38,"end":1860.4,"sentiment":"neutral","sentiment_score":0.1759698229531447},{"text":"I will still just put a contact point in for May just in case if we don't hear from you.","start":1860.9401,"end":1865.42,"sentiment":"neutral","sentiment_score":0.10186660941690207}],"sentiment":"neutral","sentiment_score":0.2302470135036856,"num_words":48,"start":1849.725,"end":1865.42},{"sentences":[{"text":"But, otherwise, once you've had a chat to the accountants, maybe just let them know that we spoke about doing the 12% versus the lump sum and which way we're kind of leaning.","start":1865.42,"end":1875.545,"sentiment":"neutral","sentiment_score":0.0708743314061201},{"text":"And then, yeah, just see what happens with the income side, and I can kind of take it from there.","start":1875.545,"end":1879.965,"sentiment":"neutral","sentiment_score":0.04524524873122573},{"text":"Awesome.","start":1882.4401,"end":1882.76,"sentiment":"positive","sentiment_score":0.849653422832489},{"text":"Perfect.","start":1882.76,"end":1883.16,"sentiment":"positive","sentiment_score":0.8408722877502441},{"text":"Anything else I can help with?","start":1883.16,"end":1884.54,"sentiment":"positive","sentiment_score":0.5461635986963908}],"sentiment":"neutral","sentiment_score":0.1346109051440583,"num_words":61,"start":1865.42,"end":1884.54},{"sentences":[{"text":"Fantastic.","start":1887.799,"end":1888.299,"sentiment":"positive","sentiment_score":0.8026841878890991},{"text":"Well, thank you for taking the time today.","start":1888.4388,"end":1890.1189,"sentiment":"positive","sentiment_score":0.8152428269386292},{"text":"Have a lovely day, and I hope to hear from you soon.","start":1890.1189,"end":1892.9388,"sentiment":"positive","sentiment_score":0.74673360089461},{"text":"Thank you, Cassie.","start":1894.8389,"end":1895.7189,"sentiment":"positive","sentiment_score":0.671038826306661},{"text":"Bye.","start":1895.7189,"end":1896.2189,"sentiment":"neutral","sentiment_score":-0.11373332142829896}],"sentiment":"positive","sentiment_score":0.7273925268650054,"num_words":25,"start":1887.799,"end":1896.2189}]}}]},{"alternatives":[{"transcript":"Hello. Christie speaking. Good. Thanks. How are you? Yep. Oh, okay. That's fine. Yep. Yeah. That's fine. Is it Taylor? Yep. Yep. Yep. No worries. Yep. Yes. Yep. Yep. Yeah. It got started in October. Yep. Not really. Like, they said they couldn't advise any advice from Superfast. So they just kinda said if you do, it'd be like the standard kinda 12%. But they also explained there's all these, like, I don't know, like, ATO I don't know. They showed me something online. There's, like, these additional contributions you can make or something. I don't know how it works for the company. But, basically, the original conversation that I have with them was I had, like, a quite a large personal loan and the credit card that and so I've just been spending the last, like, six months just well, however long just, like, smashing that out so I can get rid of it. So I haven't put any super in yet. I've just had, like, my first bath at the January. Well, it was due in January for the up until December. And then when I spoke to my accountant then, I asked about super, and they're like, yeah. Just as soon as you finish paying off your debt or whatever, I just have a chat to your financial adviser. They can advise how it works. So okay. Yeah. No worries. Yep. I'm still doing the exact same role, but I'm just now getting paid under the company structure rather than normal PAYG. I've set up, like, I've set up a proprietary limited. I it's not really like a sole trader. Like, I'm still kind of, like, employed, like because I get paid through an agency. So my agency kind of invoices like, I I still submit a time sheet and everything, and then my agency just pays me through the company. And then so I just get, like, my gross pay per week now. Yep. Yes. Yep. I it's KJO consultant consultant, I think. Proprietary Limited. Yeah. Or, like, is it clean? Yeah. Yep. Mhmm. No. So at the moment, it's just set up. So, like, everything just goes into my trust bank account. And then at the moment, I'm I haven't allocated myself a salary yet, like, officially. So I guess just kind of everything just goes in there. I just pay my bills, blah blah blah blah blah. But they did mention, like, once yeah. Like, I'm paid off everything, which I'm, like, two weeks out from paying off everything, then they're like then we can potentially look at maybe setting up a salary or something like that. Yeah. Yes. So weekly, what goes in my account so this is obviously the gross amount, but it's, like, $4,435 roughly per week. Yep. Mhmm. Yep. Yep. Okay. Yep. Okay. Yep. Mhmm. Yes. Okay. Yep. Yep. I don't know. I'm not sure because I I don't know, like, how it works in the sense of, like, if I was to set up a salary, say, like like, what percentage salary I would have to set up for and then what I would how does it work with the rest of my money? Yeah. I don't really know how that kind of works either. Like yeah. Yes. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Oh, okay. Yep. Yep. Yes. No. It's all very it is very confusing. Like, I'm it's all very new to me. So but that does make a bit of sense. Yep. Mhmm. Okay. Yep. Mhmm. Gotcha. Okay. Oh, okay. Gotcha. Yep. That makes sense. Yep. Yeah. Okay. Cool. I can have a chat to my accountant about that. Because I I do remember, like, when I very first set it up, they did kind of recommend, like, pay yourself, you know, something that would bring me into, like, I guess, the second tax bracket or something, whatever it is, under, I don't know, one twenty or I can't remember what it was. That was just a conversation I had with them back then. I think, yeah, that's where I get confused. Sorry. It's like okay. So I pay myself, yeah, like, a $100,000, say. And then I've got, like, a 120, $130,000 leftover. I think that's where I'm getting confused, like, what happens, yeah, with that. Yep. Yep. Yep. Gotcha. Okay. Yep. Yeah. Mhmm. Mhmm. Yep. Okay. Cool. So I gotta find that out first. Yep. Yeah. Okay. Yeah. Because, obviously yep. Okay. Cool. Oh, no. I was just gonna say because, yeah, like, I've done up my own little budget, I guess, from when I pay off my debt, and then I was just gonna start saving, like, the my 10% bath, my 12%. I was just kind of adding up to super and then a percentage for tax. So I was kind of trying to work out roughly how much I would need to put aside anyway per week with those expenses. But then, obviously yeah. Like, I've gotta live so I've just gotta work out, like, all my normal bills and all that sort of stuff. But, obviously, I wanna, like, benefit myself as much as I can, obviously, with, like, tax benefits and things like that. So I just yeah. It's all a bit confusing. Yep. Okay. Yep. Yep. Okay. No. That makes sense. Mhmm. Yep. Yep. Yeah. Literally. I'm just like, like, I don't know how this works. Yeah. Yeah. That was something that my accountant had kinda said because I've I think I've got about $232.40 sitting in my super at the moment. So we kind of mentioned here, like, once you hit around the $2.50 ish mark, then potentially you could set that up so you can, yeah, buy an investment property out of it. So I just wasn't sure how that all works. Yep. Mhmm. Mhmm. Okay. Yep. Mhmm. Right. Yep. Yep. Mhmm. Okay. Yep. Yep. Yep. No. Just me. Mhmm. Yep. Yep. Oh, okay. Yep. Yep. Crazy. Yeah. That's why I was kind of thinking of, like, how can I try and get into the property market with what I have, I guess? And then, you know, like, eventually, I'd like to buy my own place as well. But how long roughly do you have to have, like, your company for and whatnot before banks would even look at you for, like, just a normal loan? Yep. Yep. Yep. Yep. Yeah. No. That's okay. I think I was probably looking towards middle to end of next year anyway just to get some proper savings and just also figure out, yeah, how this is all set up. Because with my work, like, I started PM in June. So at the end, we're in delivery at the moment. And then at the end of the project, which will be September, they have advised that all my agent has kind of advised that's when I can start to negotiate my wages based on my market. Right? Because I will have, like, a over a year experience and, like, fully deliver the project by then. So I yeah. So I'd imagine, like because at the moment, I'm just kind of getting paid at more of a junior. But, yeah, my agent was like, there's lots of room for negotiation once you have that experience. So under your belt. So I'd imagine my salary would change a fair bit by the end of the year. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yeah. Yep. Okay. Yep. Mhmm. Yep. Sorry. Yep. Sorry. You're good. No. That kinda makes sense based on what, like, I was wondering. I think yeah. I just didn't know because I guess, like, if you guys like, I've you're just managing my, yeah, super at the moment. Probably, I do have just a question on that because, obviously, like, I'm not contributing anything at the moment. I did notice, I don't know, a couple of months ago, there was an investment transaction, actually. So maybe something was still happening in the background. But do you guys do I need to, like, help the super company, like, that I'm not contributing or at the moment, or do I need to do anything there? Or yep. Yes. Yep. Yep. Yeah. Mhmm. Yep. Mhmm. Yep. Yep. Yep. That makes sense. Mhmm. Okay. No. That's okay. I would yeah. I definitely wanna start contributing at some point, a plan ish. Like, as you said, like, I'll work out maybe, like, the lump sum kind of at the end of the year might be better. But, yeah, I'll I can I'll have a chat to my accountant first, figure out, like, a yeah. That salary, and then and so once I do kind of figure that out, then I'll just tell you guys, like, what I'm planning on doing? Or Okay. Yep. Mhmm. Yep. Mhmm. Mhmm. Okay. How does that work with the with the tax deduction? So does that mean, like, to say, yeah, I contribute 30,000 as an example, then I can claim that back as an expense against my company? Or mhmm. Mhmm. Mhmm. Yep. Okay. Yep. Mhmm. Right. Okay. Yep. That makes sense. Gotcha. Yeah. I think that's what they were showing me actually, the concessional thing that you can claim so much. And is there something like you can be backdated for many financial years or something? I think that was showing me something. Yep. Okay. Yep. Yep. Yep. Okay. No. That makes sense. And, yeah, definitely, like yeah. I was gonna say, like, I would prefer to save that money for a property for sure. Yeah. Okay. Cool. Alright. No worries. Well, I'll work on that first of all. And then, yeah, I'll touch base once I've figured that out. Mhmm. Yep. Okay. Cool. I also found it's KJO Consulting Proprietary Limited. Yep. Yeah. Yep. No. Okay. No. I've got nothing kinda linked to it. I should have my APM tomorrow if you need that. Yep. Two seconds. I should be able to get it. Yeah. I got both. The ACN yep. So ACN is 6910039077, and the ABN is 24315008263. Yep. Alright. Yep. Okay. Cool. Alrighty. Thank you so no. That's all for now. Okay. Thank you so much. 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Christie speaking. Good. Thanks. How are you?\n\nYep. Oh, okay. That's fine. Yep. Yeah.\n\nThat's fine. Is it Taylor? Yep. Yep. Yep.\n\nNo worries. Yep. Yes. Yep. Yep.\n\nYeah. It got started in October. Yep. Not really. Like, they said they couldn't advise any advice from Superfast.\n\nSo they just kinda said if you do, it'd be like the standard kinda 12%. But they also explained there's all these, like, I don't know, like, ATO I don't know. They showed me something online. There's, like, these additional contributions you can make or something. I don't know how it works for the company.\n\nBut, basically, the original conversation that I have with them was I had, like, a quite a large personal loan and the credit card that and so I've just been spending the last, like, six months just well, however long just, like, smashing that out so I can get rid of it. So I haven't put any super in yet. I've just had, like, my first bath at the January. Well, it was due in January for the up until December. And then when I spoke to my accountant then, I asked about super, and they're like, yeah.\n\nJust as soon as you finish paying off your debt or whatever, I just have a chat to your financial adviser. They can advise how it works. So okay. Yeah. No worries.\n\nYep. I'm still doing the exact same role, but I'm just now getting paid under the company structure rather than normal PAYG. I've set up, like, I've set up a proprietary limited. I it's not really like a sole trader. Like, I'm still kind of, like, employed, like because I get paid through an agency.\n\nSo my agency kind of invoices like, I I still submit a time sheet and everything, and then my agency just pays me through the company. And then so I just get, like, my gross pay per week now. Yep. Yes. Yep.\n\nI it's KJO consultant consultant, I think. Proprietary Limited. Yeah. Or, like, is it clean? Yeah.\n\nYep. Mhmm. No. So at the moment, it's just set up. So, like, everything just goes into my trust bank account.\n\nAnd then at the moment, I'm I haven't allocated myself a salary yet, like, officially. So I guess just kind of everything just goes in there. I just pay my bills, blah blah blah blah blah. But they did mention, like, once yeah. Like, I'm paid off everything, which I'm, like, two weeks out from paying off everything, then they're like then we can potentially look at maybe setting up a salary or something like that.\n\nYeah. Yes. So weekly, what goes in my account so this is obviously the gross amount, but it's, like, $4,435 roughly per week. Yep. Mhmm.\n\nYep. Yep. Okay. Yep. Okay.\n\nYep. Mhmm. Yes. Okay. Yep.\n\nYep. I don't know. I'm not sure because I I don't know, like, how it works in the sense of, like, if I was to set up a salary, say, like like, what percentage salary I would have to set up for and then what I would how does it work with the rest of my money? Yeah. I don't really know how that kind of works either.\n\nLike yeah. Yes. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nMhmm. Mhmm. Oh, okay. Yep. Yep.\n\nYes. No. It's all very it is very confusing. Like, I'm it's all very new to me. So but that does make a bit of sense.\n\nYep. Mhmm. Okay. Yep. Mhmm.\n\nGotcha. Okay. Oh, okay. Gotcha. Yep.\n\nThat makes sense. Yep. Yeah. Okay. Cool.\n\nI can have a chat to my accountant about that. Because I I do remember, like, when I very first set it up, they did kind of recommend, like, pay yourself, you know, something that would bring me into, like, I guess, the second tax bracket or something, whatever it is, under, I don't know, one twenty or I can't remember what it was. That was just a conversation I had with them back then. I think, yeah, that's where I get confused. Sorry.\n\nIt's like okay. So I pay myself, yeah, like, a $100,000, say. And then I've got, like, a 120, $130,000 leftover. I think that's where I'm getting confused, like, what happens, yeah, with that. Yep.\n\nYep. Yep. Gotcha. Okay. Yep.\n\nYeah. Mhmm. Mhmm. Yep. Okay.\n\nCool. So I gotta find that out first. Yep. Yeah. Okay.\n\nYeah. Because, obviously yep. Okay. Cool. Oh, no.\n\nI was just gonna say because, yeah, like, I've done up my own little budget, I guess, from when I pay off my debt, and then I was just gonna start saving, like, the my 10% bath, my 12%. I was just kind of adding up to super and then a percentage for tax. So I was kind of trying to work out roughly how much I would need to put aside anyway per week with those expenses. But then, obviously yeah. Like, I've gotta live so I've just gotta work out, like, all my normal bills and all that sort of stuff.\n\nBut, obviously, I wanna, like, benefit myself as much as I can, obviously, with, like, tax benefits and things like that. So I just yeah. It's all a bit confusing. Yep. Okay.\n\nYep. Yep. Okay. No. That makes sense.\n\nMhmm. Yep. Yep. Yeah. Literally.\n\nI'm just like, like, I don't know how this works. Yeah. Yeah. That was something that my accountant had kinda said because I've I think I've got about $232.40 sitting in my super at the moment. So we kind of mentioned here, like, once you hit around the $2.50 ish mark, then potentially you could set that up so you can, yeah, buy an investment property out of it.\n\nSo I just wasn't sure how that all works. Yep. Mhmm. Mhmm. Okay.\n\nYep. Mhmm. Right. Yep. Yep.\n\nMhmm. Okay. Yep. Yep. Yep.\n\nNo. Just me. Mhmm. Yep. Yep.\n\nOh, okay. Yep. Yep. Crazy. Yeah.\n\nThat's why I was kind of thinking of, like, how can I try and get into the property market with what I have, I guess? And then, you know, like, eventually, I'd like to buy my own place as well. But how long roughly do you have to have, like, your company for and whatnot before banks would even look at you for, like, just a normal loan? Yep. Yep.\n\nYep. Yep. Yeah. No. That's okay.\n\nI think I was probably looking towards middle to end of next year anyway just to get some proper savings and just also figure out, yeah, how this is all set up. Because with my work, like, I started PM in June. So at the end, we're in delivery at the moment. And then at the end of the project, which will be September, they have advised that all my agent has kind of advised that's when I can start to negotiate my wages based on my market. Right?\n\nBecause I will have, like, a over a year experience and, like, fully deliver the project by then. So I yeah. So I'd imagine, like because at the moment, I'm just kind of getting paid at more of a junior. But, yeah, my agent was like, there's lots of room for negotiation once you have that experience. So under your belt.\n\nSo I'd imagine my salary would change a fair bit by the end of the year. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yeah. Yep.\n\nOkay. Yep. Mhmm. Yep. Sorry.\n\nYep. Sorry. You're good. No. That kinda makes sense based on what, like, I was wondering.\n\nI think yeah. I just didn't know because I guess, like, if you guys like, I've you're just managing my, yeah, super at the moment. Probably, I do have just a question on that because, obviously, like, I'm not contributing anything at the moment. I did notice, I don't know, a couple of months ago, there was an investment transaction, actually. So maybe something was still happening in the background.\n\nBut do you guys do I need to, like, help the super company, like, that I'm not contributing or at the moment, or do I need to do anything there? Or yep. Yes. Yep. Yep.\n\nYeah. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. That makes sense. Mhmm. Okay.\n\nNo. That's okay. I would yeah. I definitely wanna start contributing at some point, a plan ish. Like, as you said, like, I'll work out maybe, like, the lump sum kind of at the end of the year might be better.\n\nBut, yeah, I'll I can I'll have a chat to my accountant first, figure out, like, a yeah. That salary, and then and so once I do kind of figure that out, then I'll just tell you guys, like, what I'm planning on doing? Or Okay. Yep. Mhmm.\n\nYep. Mhmm. Mhmm. Okay. How does that work with the with the tax deduction?\n\nSo does that mean, like, to say, yeah, I contribute 30,000 as an example, then I can claim that back as an expense against my company? Or mhmm. Mhmm. Mhmm. Yep.\n\nOkay. Yep. Mhmm. Right. Okay.\n\nYep. That makes sense. Gotcha. Yeah. I think that's what they were showing me actually, the concessional thing that you can claim so much.\n\nAnd is there something like you can be backdated for many financial years or something? I think that was showing me something. Yep. Okay. Yep.\n\nYep. Yep. Okay. No. That makes sense.\n\nAnd, yeah, definitely, like yeah. I was gonna say, like, I would prefer to save that money for a property for sure. Yeah. Okay. Cool.\n\nAlright. No worries. Well, I'll work on that first of all. And then, yeah, I'll touch base once I've figured that out. Mhmm.\n\nYep. Okay. Cool. I also found it's KJO Consulting Proprietary Limited. Yep.\n\nYeah. Yep. No. Okay. No.\n\nI've got nothing kinda linked to it. I should have my APM tomorrow if you need that. Yep. Two seconds. I should be able to get it.\n\nYeah. I got both. The ACN yep. So ACN is 6910039077, and the ABN is 24315008263. Yep.\n\nAlright. Yep. Okay. Cool. Alrighty.\n\nThank you so no. That's all for now. Okay. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.28,"sentiment":"neutral","sentiment_score":0.025421669706702232},{"text":"Christie speaking.","start":1.28,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.02760592382401228},{"text":"Good.","start":7.68,"end":8.0,"sentiment":"positive","sentiment_score":0.3716006278991699},{"text":"Thanks.","start":8.0,"end":8.24,"sentiment":"positive","sentiment_score":0.49027103185653687},{"text":"How are you?","start":8.24,"end":9.139999,"sentiment":"neutral","sentiment_score":0.24967813988526663}],"sentiment":"neutral","sentiment_score":0.21144244959577918,"num_words":8,"start":0.96,"end":9.139999},{"sentences":[{"text":"Yep.","start":18.744999,"end":19.244999,"sentiment":"neutral","sentiment_score":0.04648895561695099},{"text":"Oh, okay.","start":24.185,"end":24.744999,"sentiment":"neutral","sentiment_score":0.0751795656979084},{"text":"That's fine.","start":24.744999,"end":25.485,"sentiment":"neutral","sentiment_score":0.16277309507131577},{"text":"Yep.","start":26.48,"end":26.98,"sentiment":"neutral","sentiment_score":0.08014396578073502},{"text":"Yeah.","start":35.6,"end":35.92,"sentiment":"neutral","sentiment_score":0.10826078802347185}],"sentiment":"neutral","sentiment_score":0.10154271870851517,"num_words":7,"start":18.744999,"end":35.92},{"sentences":[{"text":"That's fine.","start":35.92,"end":36.66,"sentiment":"neutral","sentiment_score":0.1756768748164177},{"text":"Is it Taylor?","start":43.545,"end":44.524998,"sentiment":"neutral","sentiment_score":0.030557755380868912},{"text":"Yep.","start":46.344997,"end":46.844997,"sentiment":"neutral","sentiment_score":0.05296980589628219},{"text":"Yep.","start":47.785,"end":48.285,"sentiment":"neutral","sentiment_score":0.12316909432411194},{"text":"Yep.","start":52.344997,"end":52.844997,"sentiment":"neutral","sentiment_score":0.3023073375225067}],"sentiment":"neutral","sentiment_score":0.11518415668979287,"num_words":8,"start":35.92,"end":52.844997},{"sentences":[{"text":"No worries.","start":56.89,"end":57.63,"sentiment":"neutral","sentiment_score":0.1708114743232727},{"text":"Yep.","start":67.85,"end":68.35,"sentiment":"neutral","sentiment_score":0.06810121238231659},{"text":"Yes.","start":74.705,"end":75.104996,"sentiment":"neutral","sentiment_score":0.05980713292956352},{"text":"Yep.","start":75.104996,"end":75.604996,"sentiment":"neutral","sentiment_score":0.07682748883962631},{"text":"Yep.","start":86.24,"end":86.74,"sentiment":"neutral","sentiment_score":-0.0005206025089137256}],"sentiment":"neutral","sentiment_score":0.09097303004818968,"num_words":6,"start":56.89,"end":86.74},{"sentences":[{"text":"Yeah.","start":87.52,"end":87.84,"sentiment":"neutral","sentiment_score":0.01037306897342205},{"text":"It got started in October.","start":87.84,"end":89.54,"sentiment":"neutral","sentiment_score":0.008438990823924542},{"text":"Yep.","start":92.479996,"end":92.979996,"sentiment":"neutral","sentiment_score":-0.00011925896251341328},{"text":"Not really.","start":96.159996,"end":96.88,"sentiment":"neutral","sentiment_score":-0.168960340321064},{"text":"Like, they said they couldn't advise any advice from Superfast.","start":96.88,"end":100.895004,"sentiment":"neutral","sentiment_score":-0.15230415537953376}],"sentiment":"neutral","sentiment_score":-0.09518491948983865,"num_words":19,"start":87.52,"end":100.895004},{"sentences":[{"text":"So they just kinda said if you do, it'd be like the standard kinda 12%.","start":101.275,"end":107.855,"sentiment":"neutral","sentiment_score":-0.0931359479824702},{"text":"But they also explained there's all these, like, I don't know, like, ATO I don't know.","start":108.955,"end":118.14,"sentiment":"neutral","sentiment_score":-0.09821450710296631},{"text":"They showed me something online.","start":118.14,"end":119.66,"sentiment":"neutral","sentiment_score":-0.0697628527879715},{"text":"There's, like, these additional contributions you can make or something.","start":119.66,"end":122.54,"sentiment":"neutral","sentiment_score":-0.004072282463312149},{"text":"I don't know how it works for the company.","start":122.54,"end":125.295,"sentiment":"neutral","sentiment_score":-0.1716031241748068}],"sentiment":"neutral","sentiment_score":-0.08913520980965008,"num_words":55,"start":101.275,"end":125.295},{"sentences":[{"text":"But, basically, the original conversation that I have with them was I had, like, a quite a large personal loan and the credit card that and so I've just been spending the last, like, six months just well, however long just, like, smashing that out so I can get rid of it.","start":125.295,"end":144.4,"sentiment":"neutral","sentiment_score":-0.2098882648234184},{"text":"So I haven't put any super in yet.","start":145.81999,"end":151.68,"sentiment":"neutral","sentiment_score":-0.27678131125867367},{"text":"I've just had, like, my first bath at the January.","start":152.945,"end":156.965,"sentiment":"neutral","sentiment_score":-0.19768312573432922},{"text":"Well, it was due in January for the up until December.","start":158.625,"end":161.52501,"sentiment":"neutral","sentiment_score":-0.04499483582648364},{"text":"And then when I spoke to my accountant then, I asked about super, and they're like, yeah.","start":161.66501,"end":166.465,"sentiment":"neutral","sentiment_score":-0.06361740827560425}],"sentiment":"neutral","sentiment_score":-0.17022153727558195,"num_words":98,"start":125.295,"end":166.465},{"sentences":[{"text":"Just as soon as you finish paying off your debt or whatever, I just have a chat to your financial adviser.","start":166.465,"end":171.75,"sentiment":"neutral","sentiment_score":-0.04701230479847817},{"text":"They can advise how it works.","start":172.76999,"end":174.84999,"sentiment":"neutral","sentiment_score":0.06341185979545116},{"text":"So okay.","start":174.84999,"end":182.62999,"sentiment":"neutral","sentiment_score":0.13593178614974022},{"text":"Yeah.","start":186.265,"end":186.765,"sentiment":"neutral","sentiment_score":0.10106520354747772},{"text":"No worries.","start":186.825,"end":187.485,"sentiment":"neutral","sentiment_score":0.09775004535913467}],"sentiment":"neutral","sentiment_score":-0.0011986992321908474,"num_words":32,"start":166.465,"end":187.485},{"sentences":[{"text":"Yep.","start":200.2,"end":200.7,"sentiment":"neutral","sentiment_score":0.01909363828599453},{"text":"I'm still doing the exact same role, but I'm just now getting paid under the company structure rather than normal PAYG.","start":204.52,"end":212.94,"sentiment":"neutral","sentiment_score":-0.028474187977345928},{"text":"I've set up, like, I've set up a proprietary limited.","start":220.685,"end":223.665,"sentiment":"neutral","sentiment_score":-0.0193036625161767},{"text":"I it's not really like a sole trader.","start":225.725,"end":228.525,"sentiment":"neutral","sentiment_score":-0.058853231370449066},{"text":"Like, I'm still kind of, like, employed, like because I get paid through an agency.","start":228.525,"end":232.84001,"sentiment":"neutral","sentiment_score":-0.026963898415366807}],"sentiment":"neutral","sentiment_score":-0.02994882293807512,"num_words":55,"start":200.2,"end":232.84001},{"sentences":[{"text":"So my agency kind of invoices like, I I still submit a time sheet and everything, and then my agency just pays me through the company.","start":234.42,"end":245.16,"sentiment":"neutral","sentiment_score":0.06631721484546478},{"text":"And then so I just get, like, my gross pay per week now.","start":246.955,"end":252.015,"sentiment":"neutral","sentiment_score":-0.008349013156615771},{"text":"Yep.","start":255.275,"end":255.775,"sentiment":"neutral","sentiment_score":-0.01067942101508379},{"text":"Yes.","start":260.475,"end":260.975,"sentiment":"neutral","sentiment_score":0.1674128770828247},{"text":"Yep.","start":267.96,"end":268.44,"sentiment":"neutral","sentiment_score":0.0629318431019783}],"sentiment":"neutral","sentiment_score":0.04369942176466187,"num_words":42,"start":234.42,"end":268.44},{"sentences":[{"text":"I it's KJO consultant consultant, I think.","start":268.44,"end":273.34,"sentiment":"neutral","sentiment_score":0.04322050671492304},{"text":"Proprietary Limited.","start":274.28,"end":275.42,"sentiment":"neutral","sentiment_score":0.03520256467163563},{"text":"Yeah.","start":278.025,"end":278.345,"sentiment":"neutral","sentiment_score":0.012139515951275826},{"text":"Or, like, is it clean?","start":278.345,"end":279.565,"sentiment":"neutral","sentiment_score":0.016892891377210617},{"text":"Yeah.","start":291.865,"end":292.17,"sentiment":"neutral","sentiment_score":0.06908388435840607}],"sentiment":"neutral","sentiment_score":0.03366478334646672,"num_words":16,"start":268.44,"end":292.17},{"sentences":[{"text":"Yep.","start":292.41,"end":292.91,"sentiment":"neutral","sentiment_score":0.17622892558574677},{"text":"Mhmm.","start":301.93002,"end":302.43002,"sentiment":"neutral","sentiment_score":0.03141707926988602},{"text":"No.","start":308.275,"end":308.675,"sentiment":"neutral","sentiment_score":-0.0896114856004715},{"text":"So at the moment, it's just set up.","start":308.675,"end":311.79498,"sentiment":"neutral","sentiment_score":-0.09170416463166475},{"text":"So, like, everything just goes into my trust bank account.","start":311.79498,"end":315.495,"sentiment":"neutral","sentiment_score":-0.06861564368009568}],"sentiment":"neutral","sentiment_score":-0.06198834450471969,"num_words":21,"start":292.41,"end":315.495},{"sentences":[{"text":"And then at the moment, I'm I haven't allocated myself a salary yet, like, officially.","start":318.275,"end":326.15,"sentiment":"neutral","sentiment_score":-0.07500812088449796},{"text":"So I guess just kind of everything just goes in there.","start":326.61002,"end":330.37,"sentiment":"neutral","sentiment_score":-0.027452451769601215},{"text":"I just pay my bills, blah blah blah blah blah.","start":330.37,"end":334.71,"sentiment":"neutral","sentiment_score":-0.045067894458770755},{"text":"But they did mention, like, once yeah.","start":335.615,"end":340.095,"sentiment":"neutral","sentiment_score":-0.0031746660492249896},{"text":"Like, I'm paid off everything, which I'm, like, two weeks out from paying off everything, then they're like then we can potentially look at maybe setting up a salary or something like that.","start":340.095,"end":352.28998,"sentiment":"neutral","sentiment_score":-0.02209075472571633}],"sentiment":"neutral","sentiment_score":-0.03459204336334216,"num_words":76,"start":318.275,"end":352.28998},{"sentences":[{"text":"Yeah.","start":363.335,"end":363.835,"sentiment":"neutral","sentiment_score":0.0849996954202652},{"text":"Yes.","start":377.84,"end":378.16,"sentiment":"neutral","sentiment_score":0.03808261454105377},{"text":"So weekly, what goes in my account so this is obviously the gross amount, but it's, like, $4,435 roughly per week.","start":378.16,"end":393.375,"sentiment":"neutral","sentiment_score":0.02180717938712665},{"text":"Yep.","start":393.375,"end":393.875,"sentiment":"positive","sentiment_score":0.3709155023097992},{"text":"Mhmm.","start":402.43,"end":402.93,"sentiment":"neutral","sentiment_score":0.07589118927717209}],"sentiment":"neutral","sentiment_score":0.041113590747118,"num_words":25,"start":363.335,"end":402.93},{"sentences":[{"text":"Yep.","start":409.47,"end":409.905,"sentiment":"positive","sentiment_score":0.36839818954467773},{"text":"Yep.","start":412.145,"end":412.645,"sentiment":"positive","sentiment_score":0.6895242929458618},{"text":"Okay.","start":423.97,"end":424.13,"sentiment":"neutral","sentiment_score":0.2318803071975708},{"text":"Yep.","start":424.13,"end":424.63,"sentiment":"neutral","sentiment_score":0.2837185859680176},{"text":"Okay.","start":431.49002,"end":431.89,"sentiment":"neutral","sentiment_score":0.13432638347148895}],"sentiment":"positive","sentiment_score":0.3415695518255234,"num_words":5,"start":409.47,"end":431.89},{"sentences":[{"text":"Yep.","start":431.89,"end":432.39,"sentiment":"neutral","sentiment_score":0.10499024391174316},{"text":"Mhmm.","start":442.74503,"end":443.24503,"sentiment":"neutral","sentiment_score":0.012241588905453682},{"text":"Yes.","start":445.945,"end":446.445,"sentiment":"neutral","sentiment_score":0.11507679522037506},{"text":"Okay.","start":452.46,"end":452.96,"sentiment":"neutral","sentiment_score":0.10834944248199464},{"text":"Yep.","start":454.62,"end":455.12,"sentiment":"neutral","sentiment_score":0.1298154592514038}],"sentiment":"neutral","sentiment_score":0.09409470595419407,"num_words":5,"start":431.89,"end":455.12},{"sentences":[{"text":"Yep.","start":465.18,"end":465.68,"sentiment":"neutral","sentiment_score":0.10256113111972807},{"text":"I don't know.","start":474.98502,"end":475.805,"sentiment":"neutral","sentiment_score":-0.05610743040839831},{"text":"I'm not sure because I I don't know, like, how it works in the sense of, like, if I was to set up a salary, say, like like, what percentage salary I would have to set up for and then what I would how does it work with the rest of my money?","start":478.23,"end":497.815,"sentiment":"neutral","sentiment_score":-0.03393781877491834},{"text":"Yeah.","start":499.875,"end":500.195,"sentiment":"neutral","sentiment_score":-0.051165029406547546},{"text":"I don't really know how that kind of works either.","start":500.195,"end":503.395,"sentiment":"neutral","sentiment_score":-0.07245615683495998}],"sentiment":"neutral","sentiment_score":-0.038826355190180684,"num_words":68,"start":465.18,"end":503.395},{"sentences":[{"text":"Like yeah.","start":503.395,"end":504.775,"sentiment":"neutral","sentiment_score":0.05113855004310608},{"text":"Yes.","start":513.39,"end":513.89,"sentiment":"neutral","sentiment_score":0.02719329111278057},{"text":"Yep.","start":523.01495,"end":523.51495,"sentiment":"neutral","sentiment_score":0.059625353664159775},{"text":"Yep.","start":526.855,"end":527.355,"sentiment":"neutral","sentiment_score":-0.07039438188076019},{"text":"Yep.","start":541.12994,"end":541.61,"sentiment":"neutral","sentiment_score":0.04577115923166275}],"sentiment":"neutral","sentiment_score":0.027412087035675842,"num_words":6,"start":503.395,"end":541.61},{"sentences":[{"text":"Okay.","start":541.61,"end":542.00995,"sentiment":"neutral","sentiment_score":0.06192682683467865},{"text":"Yep.","start":542.00995,"end":542.50995,"sentiment":"neutral","sentiment_score":0.09250684827566148},{"text":"Yep.","start":552.085,"end":552.585,"sentiment":"neutral","sentiment_score":0.17197611927986145},{"text":"Yep.","start":552.805,"end":553.305,"sentiment":"neutral","sentiment_score":0.18604139983654025},{"text":"Yep.","start":560.005,"end":560.505,"sentiment":"neutral","sentiment_score":0.21768347918987271}],"sentiment":"neutral","sentiment_score":0.1460269346833229,"num_words":5,"start":541.61,"end":560.505},{"sentences":[{"text":"Mhmm.","start":568.10004,"end":568.60004,"sentiment":"neutral","sentiment_score":0.07847694307565689},{"text":"Mhmm.","start":576.33496,"end":576.83496,"sentiment":"neutral","sentiment_score":0.1053050309419632},{"text":"Oh, okay.","start":595.92004,"end":596.56,"sentiment":"neutral","sentiment_score":0.07236117869615555},{"text":"Yep.","start":596.56,"end":597.06,"sentiment":"neutral","sentiment_score":0.07510028034448624},{"text":"Yep.","start":599.84,"end":600.0,"sentiment":"neutral","sentiment_score":-0.03145786374807358}],"sentiment":"neutral","sentiment_score":0.062024458001057305,"num_words":6,"start":568.10004,"end":600.0},{"sentences":[{"text":"Yes.","start":600.0,"end":600.5,"sentiment":"neutral","sentiment_score":-0.1342470496892929},{"text":"No.","start":603.295,"end":603.455,"sentiment":"negative","sentiment_score":-0.35982444882392883},{"text":"It's all very it is very confusing.","start":603.455,"end":605.635,"sentiment":"negative","sentiment_score":-0.4488294890948704},{"text":"Like, I'm it's all very new to me.","start":605.855,"end":608.495,"sentiment":"neutral","sentiment_score":-0.2793781068176031},{"text":"So but that does make a bit of sense.","start":608.495,"end":611.775,"sentiment":"neutral","sentiment_score":0.05927239772346285}],"sentiment":"neutral","sentiment_score":-0.20528658450796053,"num_words":26,"start":600.0,"end":611.775},{"sentences":[{"text":"Yep.","start":611.775,"end":612.275,"sentiment":"neutral","sentiment_score":0.07188396155834198},{"text":"Mhmm.","start":618.015,"end":618.515,"sentiment":"neutral","sentiment_score":0.13305379450321198},{"text":"Okay.","start":629.72003,"end":630.04004,"sentiment":"neutral","sentiment_score":0.10229571163654327},{"text":"Yep.","start":630.04004,"end":630.54004,"sentiment":"neutral","sentiment_score":0.07773526012897491},{"text":"Mhmm.","start":644.895,"end":645.395,"sentiment":"neutral","sentiment_score":0.028224050998687744}],"sentiment":"neutral","sentiment_score":0.08263855576515197,"num_words":5,"start":611.775,"end":645.395},{"sentences":[{"text":"Gotcha.","start":660.7,"end":661.2,"sentiment":"neutral","sentiment_score":0.09252776205539703},{"text":"Okay.","start":661.42,"end":661.92,"sentiment":"neutral","sentiment_score":0.09192736446857452},{"text":"Oh, okay.","start":689.1,"end":689.66,"sentiment":"neutral","sentiment_score":0.07634550146758556},{"text":"Gotcha.","start":689.66,"end":690.16,"sentiment":"neutral","sentiment_score":0.12508021295070648},{"text":"Yep.","start":690.535,"end":690.855,"sentiment":"neutral","sentiment_score":0.29757434129714966}],"sentiment":"neutral","sentiment_score":0.1266334472844998,"num_words":6,"start":660.7,"end":690.855},{"sentences":[{"text":"That makes sense.","start":690.855,"end":691.835,"sentiment":"positive","sentiment_score":0.38411975900332135},{"text":"Yep.","start":700.535,"end":701.035,"sentiment":"neutral","sentiment_score":-0.12671780586242676},{"text":"Yeah.","start":707.94,"end":708.44,"sentiment":"neutral","sentiment_score":-0.08768096566200256},{"text":"Okay.","start":710.89996,"end":711.3,"sentiment":"neutral","sentiment_score":0.2027234435081482},{"text":"Cool.","start":711.3,"end":711.62,"sentiment":"positive","sentiment_score":0.38660556077957153}],"sentiment":"neutral","sentiment_score":0.21818421568189347,"num_words":7,"start":690.855,"end":711.62},{"sentences":[{"text":"I can have a chat to my accountant about that.","start":711.62,"end":713.77997,"sentiment":"neutral","sentiment_score":0.26046415120363237},{"text":"Because I I do remember, like, when I very first set it up, they did kind of recommend, like, pay yourself, you know, something that would bring me into, like, I guess, the second tax bracket or something, whatever it is, under, I don't know, one twenty or I can't remember what it was.","start":713.77997,"end":736.23004,"sentiment":"neutral","sentiment_score":-0.0657325577404764},{"text":"That was just a conversation I had with them back then.","start":736.23004,"end":739.05005,"sentiment":"neutral","sentiment_score":-0.1499516008929773},{"text":"I think, yeah, that's where I get confused.","start":739.11005,"end":740.95,"sentiment":"neutral","sentiment_score":-0.3186146169900894},{"text":"Sorry.","start":740.95,"end":741.35004,"sentiment":"neutral","sentiment_score":-0.26406073570251465}],"sentiment":"neutral","sentiment_score":-0.06437335580232598,"num_words":84,"start":711.62,"end":741.35004},{"sentences":[{"text":"It's like okay.","start":741.35004,"end":742.95,"sentiment":"neutral","sentiment_score":-0.15129940956830978},{"text":"So I pay myself, yeah, like, a $100,000, 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I gotta find that out first.","start":814.01495,"end":829.91,"sentiment":"neutral","sentiment_score":0.19161288759538106},{"text":"Yep.","start":835.155,"end":835.655,"sentiment":"neutral","sentiment_score":0.08084442466497421},{"text":"Yeah.","start":836.515,"end":836.835,"sentiment":"neutral","sentiment_score":0.08458417654037476},{"text":"Okay.","start":836.835,"end":837.335,"sentiment":"neutral","sentiment_score":0.09528225660324097}],"sentiment":"neutral","sentiment_score":0.17632684382525357,"num_words":11,"start":813.695,"end":837.335},{"sentences":[{"text":"Yeah.","start":838.195,"end":838.435,"sentiment":"neutral","sentiment_score":0.10086134076118468},{"text":"Because, obviously yep.","start":838.435,"end":846.935,"sentiment":"neutral","sentiment_score":0.07052989179889362},{"text":"Okay.","start":847.05,"end":847.52997,"sentiment":"neutral","sentiment_score":0.16883966326713562},{"text":"Cool.","start":847.52997,"end":848.02997,"sentiment":"neutral","sentiment_score":0.19180141389369965},{"text":"Oh, no.","start":850.25,"end":850.73,"sentiment":"neutral","sentiment_score":-0.06852693110704422}],"sentiment":"neutral","sentiment_score":0.06700477888807654,"num_words":8,"start":838.195,"end":850.73},{"sentences":[{"text":"I was just gonna say because, yeah, like, I've done up my own little budget, I guess, from when I pay off my debt, and then I was just gonna start saving, like, the my 10% bath, my 12%.","start":850.73,"end":866.98505,"sentiment":"neutral","sentiment_score":0.057819732918571204},{"text":"I was just kind of adding up to super and then a percentage for 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confusing.","start":900.065,"end":901.525,"sentiment":"neutral","sentiment_score":-0.2323508381843567},{"text":"Yep.","start":905.36005,"end":905.86005,"sentiment":"neutral","sentiment_score":0.014608493074774742},{"text":"Okay.","start":927.625,"end":928.125,"sentiment":"neutral","sentiment_score":0.14375251531600952}],"sentiment":"neutral","sentiment_score":0.11913879035273567,"num_words":32,"start":891.265,"end":928.125},{"sentences":[{"text":"Yep.","start":952.035,"end":952.19495,"sentiment":"neutral","sentiment_score":0.10335472226142885},{"text":"Yep.","start":952.19495,"end":952.595,"sentiment":"neutral","sentiment_score":0.10251333564519882},{"text":"Okay.","start":952.595,"end":952.995,"sentiment":"neutral","sentiment_score":0.09278135001659392},{"text":"No.","start":952.995,"end":953.15497,"sentiment":"neutral","sentiment_score":0.008957058191299438},{"text":"That makes sense.","start":953.15497,"end":954.13495,"sentiment":"neutral","sentiment_score":0.0660887782772382}],"sentiment":"neutral","sentiment_score":0.07226754299231938,"num_words":7,"start":952.035,"end":954.13495},{"sentences":[{"text":"Mhmm.","start":963.55,"end":964.05,"sentiment":"neutral","sentiment_score":0.014729676768183708},{"text":"Yep.","start":977.67505,"end":977.835,"sentiment":"neutral","sentiment_score":0.016403507441282272},{"text":"Yep.","start":977.835,"end":978.03503,"sentiment":"neutral","sentiment_score":0.0275433249771595},{"text":"Yeah.","start":978.03503,"end":978.23505,"sentiment":"neutral","sentiment_score":-0.001479610800743103},{"text":"Literally.","start":978.23505,"end":978.73505,"sentiment":"neutral","sentiment_score":-0.06815684586763382}],"sentiment":"neutral","sentiment_score":-0.0021919894963502882,"num_words":5,"start":963.55,"end":978.73505},{"sentences":[{"text":"I'm just like, like, I don't know how this works.","start":983.755,"end":987.91,"sentiment":"neutral","sentiment_score":-0.15564547404646872},{"text":"Yeah.","start":997.89,"end":998.355,"sentiment":"neutral","sentiment_score":0.04136798530817032},{"text":"Yeah.","start":998.83496,"end":999.07495,"sentiment":"neutral","sentiment_score":0.05866028368473053},{"text":"That was something that my accountant had kinda said because I've I think I've got about $232.40 sitting in my super at the moment.","start":999.07495,"end":1006.055,"sentiment":"neutral","sentiment_score":-0.003646371110032002},{"text":"So we kind of mentioned here, like, once you hit around the $2.50 ish mark, then potentially you could set that up so you can, yeah, buy an investment property out of it.","start":1008.115,"end":1020.91003,"sentiment":"neutral","sentiment_score":0.17969933061888724}],"sentiment":"neutral","sentiment_score":0.06356722510595253,"num_words":69,"start":983.755,"end":1020.91003},{"sentences":[{"text":"So I just wasn't sure how that all 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moment.","start":1355.1549,"end":1361.6549,"sentiment":"neutral","sentiment_score":-0.1523154056385944},{"text":"I did notice, I don't know, a couple of months ago, there was an investment transaction, actually.","start":1363.1549,"end":1369.5801,"sentiment":"neutral","sentiment_score":-0.10784473774187706},{"text":"So maybe something was still happening in the background.","start":1370.68,"end":1373.24,"sentiment":"neutral","sentiment_score":-0.11967893607086605}],"sentiment":"neutral","sentiment_score":-0.10842080464852707,"num_words":70,"start":1345.85,"end":1373.24},{"sentences":[{"text":"But do you guys do I need to, like, help the super company, like, that I'm not contributing or at the moment, or do I need to do anything there?","start":1373.24,"end":1384.995,"sentiment":"neutral","sentiment_score":-0.13560046801964443},{"text":"Or yep.","start":1384.995,"end":1391.495,"sentiment":"neutral","sentiment_score":-0.05704382434487343},{"text":"Yes.","start":1398.04,"end":1398.54,"sentiment":"neutral","sentiment_score":-0.02488501183688641},{"text":"Yep.","start":1415.4751,"end":1415.9751,"sentiment":"neutral","sentiment_score":0.07319767773151398},{"text":"Yep.","start":1425.6101,"end":1426.1101,"sentiment":"neutral","sentiment_score":0.13729405403137207}],"sentiment":"neutral","sentiment_score":-0.11418557055294513,"num_words":35,"start":1373.24,"end":1426.1101},{"sentences":[{"text":"Yeah.","start":1431.05,"end":1431.55,"sentiment":"neutral","sentiment_score":-0.01427311822772026},{"text":"Mhmm.","start":1457.47,"end":1457.97,"sentiment":"neutral","sentiment_score":0.24785670638084412},{"text":"Yep.","start":1459.07,"end":1459.57,"sentiment":"neutral","sentiment_score":0.2283643484115601},{"text":"Mhmm.","start":1464.11,"end":1464.61,"sentiment":"neutral","sentiment_score":-0.04433540999889374},{"text":"Yep.","start":1467.1499,"end":1467.6499,"sentiment":"neutral","sentiment_score":-0.041545890271663666}],"sentiment":"neutral","sentiment_score":0.0752133272588253,"num_words":5,"start":1431.05,"end":1467.6499},{"sentences":[{"text":"Yep.","start":1475.755,"end":1476.255,"sentiment":"neutral","sentiment_score":0.013037900440394878},{"text":"Yep.","start":1476.3151,"end":1476.8151,"sentiment":"neutral","sentiment_score":0.054731450974941254},{"text":"That makes sense.","start":1476.875,"end":1477.775,"sentiment":"neutral","sentiment_score":0.15260203927755356},{"text":"Mhmm.","start":1480.155,"end":1480.655,"sentiment":"neutral","sentiment_score":-0.04266959801316261},{"text":"Okay.","start":1500.255,"end":1500.735,"sentiment":"neutral","sentiment_score":0.0009510591626167296}],"sentiment":"neutral","sentiment_score":0.06912241862820727,"num_words":7,"start":1475.755,"end":1500.735},{"sentences":[{"text":"No.","start":1500.735,"end":1500.895,"sentiment":"neutral","sentiment_score":-0.02826276421546936},{"text":"That's okay.","start":1500.895,"end":1501.455,"sentiment":"neutral","sentiment_score":0.17748624831438065},{"text":"I would yeah.","start":1501.455,"end":1502.415,"sentiment":"positive","sentiment_score":0.4482458233833313},{"text":"I definitely wanna start contributing at some point, a plan ish.","start":1502.415,"end":1508.255,"sentiment":"positive","sentiment_score":0.5456963750449094},{"text":"Like, as you said, like, I'll work out maybe, like, the lump sum kind of at the end of the year might be better.","start":1508.255,"end":1515.86,"sentiment":"neutral","sentiment_score":0.2890639367202918}],"sentiment":"positive","sentiment_score":0.3563815075449827,"num_words":41,"start":1500.735,"end":1515.86},{"sentences":[{"text":"But, yeah, I'll I can I'll have a chat to my accountant first, figure out, like, a yeah.","start":1515.86,"end":1523.14,"sentiment":"neutral","sentiment_score":0.19809578938616645},{"text":"That salary, and then and so once I do kind of figure that out, then I'll just tell you guys, like, what I'm planning on doing?","start":1523.14,"end":1533.625,"sentiment":"neutral","sentiment_score":0.14742270971720034},{"text":"Or Okay.","start":1533.625,"end":1544.2101,"sentiment":"neutral","sentiment_score":0.1263926476240158},{"text":"Yep.","start":1544.2101,"end":1544.7101,"sentiment":"neutral","sentiment_score":0.1853029578924179},{"text":"Mhmm.","start":1552.845,"end":1553.345,"sentiment":"neutral","sentiment_score":0.11712710559368134}],"sentiment":"neutral","sentiment_score":0.16570687542359033,"num_words":48,"start":1515.86,"end":1553.345},{"sentences":[{"text":"Yep.","start":1557.005,"end":1557.505,"sentiment":"neutral","sentiment_score":0.1523294746875763},{"text":"Mhmm.","start":1562.045,"end":1562.545,"sentiment":"neutral","sentiment_score":0.0936993956565857},{"text":"Mhmm.","start":1566.4451,"end":1566.9451,"sentiment":"neutral","sentiment_score":0.051438868045806885},{"text":"Okay.","start":1568.34,"end":1568.84,"sentiment":"neutral","sentiment_score":0.07801985740661621},{"text":"How does that work with the with the tax deduction?","start":1569.14,"end":1572.28,"sentiment":"neutral","sentiment_score":0.08921752944588661}],"sentiment":"neutral","sentiment_score":0.0905473493039608,"num_words":14,"start":1557.005,"end":1572.28},{"sentences":[{"text":"So does that mean, like, to say, yeah, I contribute 30,000 as an example, then I can claim that back as an expense against my company?","start":1572.34,"end":1582.04,"sentiment":"neutral","sentiment_score":0.0305302613773025},{"text":"Or mhmm.","start":1582.26,"end":1592.015,"sentiment":"neutral","sentiment_score":-0.003076213179156184},{"text":"Mhmm.","start":1598.395,"end":1598.895,"sentiment":"neutral","sentiment_score":0.01959913596510887},{"text":"Mhmm.","start":1608.77,"end":1609.27,"sentiment":"neutral","sentiment_score":0.03524777293205261},{"text":"Yep.","start":1612.485,"end":1612.985,"sentiment":"neutral","sentiment_score":0.0497877262532711}],"sentiment":"neutral","sentiment_score":0.02878287111619307,"num_words":31,"start":1572.34,"end":1612.985},{"sentences":[{"text":"Okay.","start":1617.8451,"end":1618.3451,"sentiment":"neutral","sentiment_score":0.09892907738685608},{"text":"Yep.","start":1618.405,"end":1618.905,"sentiment":"neutral","sentiment_score":0.11494776606559752},{"text":"Mhmm.","start":1630.0399,"end":1630.5399,"sentiment":"neutral","sentiment_score":0.1155577003955841},{"text":"Right.","start":1643.355,"end":1643.855,"sentiment":"neutral","sentiment_score":0.06587368249893188},{"text":"Okay.","start":1644.5549,"end":1644.955,"sentiment":"neutral","sentiment_score":0.07832781225442886}],"sentiment":"neutral","sentiment_score":0.09472720772027969,"num_words":5,"start":1617.8451,"end":1644.955},{"sentences":[{"text":"Yep.","start":1644.955,"end":1645.455,"sentiment":"neutral","sentiment_score":0.1024290770292282},{"text":"That makes sense.","start":1645.755,"end":1646.735,"sentiment":"neutral","sentiment_score":0.0977445716659228},{"text":"Gotcha.","start":1648.875,"end":1649.375,"sentiment":"neutral","sentiment_score":0.03362679108977318},{"text":"Yeah.","start":1649.755,"end":1649.995,"sentiment":"neutral","sentiment_score":0.028732867911458015},{"text":"I think that's what they were showing me actually, the concessional thing that you can claim so much.","start":1649.995,"end":1655.9401,"sentiment":"neutral","sentiment_score":0.00688883475959301}],"sentiment":"neutral","sentiment_score":0.02425089486253758,"num_words":24,"start":1644.955,"end":1655.9401},{"sentences":[{"text":"And is there something like you can be backdated for many financial years or something?","start":1655.9401,"end":1660.5801,"sentiment":"neutral","sentiment_score":-0.09837526728709539},{"text":"I think that was showing me something.","start":1660.5801,"end":1662.12,"sentiment":"neutral","sentiment_score":-0.10053604734795434},{"text":"Yep.","start":1676.715,"end":1677.035,"sentiment":"neutral","sentiment_score":-0.005888750310987234},{"text":"Okay.","start":1677.035,"end":1677.535,"sentiment":"neutral","sentiment_score":-0.01848689839243889},{"text":"Yep.","start":1687.23,"end":1687.73,"sentiment":"neutral","sentiment_score":-0.16548067331314087}],"sentiment":"neutral","sentiment_score":-0.09476950651034713,"num_words":25,"start":1655.9401,"end":1687.73},{"sentences":[{"text":"Yep.","start":1693.7101,"end":1694.175,"sentiment":"neutral","sentiment_score":-0.02731354348361492},{"text":"Yep.","start":1704.9751,"end":1705.375,"sentiment":"neutral","sentiment_score":0.0604080930352211},{"text":"Okay.","start":1705.375,"end":1705.775,"sentiment":"neutral","sentiment_score":0.04014672338962555},{"text":"No.","start":1705.775,"end":1705.935,"sentiment":"neutral","sentiment_score":0.006508711725473404},{"text":"That makes sense.","start":1705.935,"end":1706.82,"sentiment":"neutral","sentiment_score":0.046541303396224976}],"sentiment":"neutral","sentiment_score":0.031339127836482863,"num_words":7,"start":1693.7101,"end":1706.82},{"sentences":[{"text":"And, yeah, definitely, like yeah.","start":1706.82,"end":1709.22,"sentiment":"neutral","sentiment_score":0.07920826599001884},{"text":"I was gonna say, like, I would prefer to save that money for a property for sure.","start":1709.22,"end":1715.3999,"sentiment":"neutral","sentiment_score":0.1381687697242288},{"text":"Yeah.","start":1715.94,"end":1716.44,"sentiment":"neutral","sentiment_score":0.05497900769114494},{"text":"Okay.","start":1717.86,"end":1718.2599,"sentiment":"neutral","sentiment_score":0.2719667851924896},{"text":"Cool.","start":1718.2599,"end":1718.7599,"sentiment":"positive","sentiment_score":0.48884621262550354}],"sentiment":"neutral","sentiment_score":0.14242809683084487,"num_words":25,"start":1706.82,"end":1718.7599},{"sentences":[{"text":"Alright.","start":1719.195,"end":1719.4349,"sentiment":"neutral","sentiment_score":0.25047191977500916},{"text":"No worries.","start":1719.4349,"end":1720.1749,"sentiment":"neutral","sentiment_score":0.23481947928667068},{"text":"Well, I'll work on that first of all.","start":1720.315,"end":1722.495,"sentiment":"neutral","sentiment_score":0.17110721208155155},{"text":"And then, yeah, I'll touch base once I've figured that out.","start":1722.7949,"end":1727.5349,"sentiment":"neutral","sentiment_score":0.18839076093652032},{"text":"Mhmm.","start":1740.63,"end":1741.13,"sentiment":"neutral","sentiment_score":0.01843418926000595}],"sentiment":"neutral","sentiment_score":0.18172613628532575,"num_words":23,"start":1719.195,"end":1741.13},{"sentences":[{"text":"Yep.","start":1746.47,"end":1746.97,"sentiment":"neutral","sentiment_score":0.08832516521215439},{"text":"Okay.","start":1747.03,"end":1747.35,"sentiment":"neutral","sentiment_score":0.15817862749099731},{"text":"Cool.","start":1747.35,"end":1747.845,"sentiment":"positive","sentiment_score":0.3696227967739105},{"text":"I also found it's KJO Consulting Proprietary Limited.","start":1748.405,"end":1752.825,"sentiment":"neutral","sentiment_score":0.08548249397426844},{"text":"Yep.","start":1756.965,"end":1757.465,"sentiment":"neutral","sentiment_score":0.05431859940290451}],"sentiment":"neutral","sentiment_score":0.11285876172284286,"num_words":12,"start":1746.47,"end":1757.465},{"sentences":[{"text":"Yeah.","start":1760.1649,"end":1760.6649,"sentiment":"neutral","sentiment_score":0.09702389687299728},{"text":"Yep.","start":1762.2,"end":1762.7,"sentiment":"neutral","sentiment_score":0.07658088207244873},{"text":"No.","start":1772.84,"end":1773.34,"sentiment":"neutral","sentiment_score":-0.04928862303495407},{"text":"Okay.","start":1776.8651,"end":1777.3651,"sentiment":"neutral","sentiment_score":0.02265777811408043},{"text":"No.","start":1779.025,"end":1779.265,"sentiment":"neutral","sentiment_score":-0.0031645428389310837}],"sentiment":"neutral","sentiment_score":0.02876187823712826,"num_words":5,"start":1760.1649,"end":1779.265},{"sentences":[{"text":"I've got nothing kinda linked to it.","start":1779.265,"end":1781.3651,"sentiment":"neutral","sentiment_score":0.006339383976800101},{"text":"I should have my APM tomorrow if you need that.","start":1782.8651,"end":1788.9801,"sentiment":"neutral","sentiment_score":0.0528270935639739},{"text":"Yep.","start":1795.04,"end":1795.54,"sentiment":"neutral","sentiment_score":0.08522074669599533},{"text":"Two seconds.","start":1795.68,"end":1796.42,"sentiment":"neutral","sentiment_score":0.08479680120944977},{"text":"I should be able to get it.","start":1796.9601,"end":1798.5801,"sentiment":"neutral","sentiment_score":0.11146900589976992}],"sentiment":"neutral","sentiment_score":0.05954607458854163,"num_words":27,"start":1779.265,"end":1798.5801},{"sentences":[{"text":"Yeah.","start":1814.9299,"end":1815.0499,"sentiment":"neutral","sentiment_score":0.08310659229755402},{"text":"I got both.","start":1815.0499,"end":1815.99,"sentiment":"neutral","sentiment_score":0.06814312189817429},{"text":"The ACN yep.","start":1817.65,"end":1821.09,"sentiment":"neutral","sentiment_score":0.07700543850660324},{"text":"So ACN is 6910039077, and the ABN is 24315008263.","start":1821.09,"end":1840.76,"sentiment":"neutral","sentiment_score":0.04202956540717019},{"text":"Yep.","start":1847.38,"end":1847.88,"sentiment":"neutral","sentiment_score":0.24530673027038577}],"sentiment":"neutral","sentiment_score":0.06718382896745906,"num_words":17,"start":1814.9299,"end":1847.88},{"sentences":[{"text":"Alright.","start":1852.02,"end":1852.52,"sentiment":"positive","sentiment_score":0.3788994252681732},{"text":"Yep.","start":1873.7101,"end":1874.2101,"sentiment":"neutral","sentiment_score":0.050719380378723145},{"text":"Okay.","start":1880.3501,"end":1880.75,"sentiment":"neutral","sentiment_score":0.29249995946884155},{"text":"Cool.","start":1880.75,"end":1881.25,"sentiment":"positive","sentiment_score":0.586606502532959},{"text":"Alrighty.","start":1882.255,"end":1882.755,"sentiment":"positive","sentiment_score":0.6097205877304077}],"sentiment":"positive","sentiment_score":0.3836891710758209,"num_words":5,"start":1852.02,"end":1882.755},{"sentences":[{"text":"Thank you so no.","start":1882.815,"end":1885.935,"sentiment":"positive","sentiment_score":0.5547214299440384},{"text":"That's all for now.","start":1885.935,"end":1887.235,"sentiment":"neutral","sentiment_score":0.28904618695378304},{"text":"Okay.","start":1893.215,"end":1893.455,"sentiment":"positive","sentiment_score":0.44742918014526367},{"text":"Thank you so much.","start":1893.455,"end":1894.595,"sentiment":"positive","sentiment_score":0.7901687175035477},{"text":"Bye.","start":1894.655,"end":1895.155,"sentiment":"positive","sentiment_score":0.4762634038925171}],"sentiment":"positive","sentiment_score":0.5328169944030898,"num_words":14,"start":1882.815,"end":1895.155}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Christie speaking.\n\nChannel 0: Good afternoon, Kirsty. It's Tommy here, senior adviser from Oakview Financial. How are you doing?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Doing fantastic. I just wanted to quickly let you know that I'm giving you a call to go through the questions you had regarding, like, the contributions for the super and so on. We\n\nChannel 1: Yep.\n\nChannel 0: had you booked in with Veronica today. She is ill, so I just wanted to jump on to assist you.\n\nChannel 1: Oh, okay. That's fine.\n\nChannel 0: Perfect. Do you still\n\nChannel 1: Yep.\n\nChannel 0: have a bit of time today? Awesome. Before I jump into it, just the usual security process. Just wanting to check that you're okay for the calls to be recorded.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Awesome. And do you recall the client password that you set up when you came on board?\n\nChannel 1: Is it Taylor?\n\nChannel 0: Yes. It is. Mother's\n\nChannel 1: Yep.\n\nChannel 0: maiden name. So that\n\nChannel 1: Yep.\n\nChannel 0: will be your skipping of the three point ID check when whenever we call. Just\n\nChannel 1: Yep.\n\nChannel 0: makes things a little bit smoother. So that is perfect. Thank you so much for that, Kirsty.\n\nChannel 1: No worries.\n\nChannel 0: Awesome. So what I've got here, I'm just been looking through the notes this morning that you've sort of come on board towards the end of last year. You've had the changes now with the company and the trust, and you're trying\n\nChannel 1: Yep.\n\nChannel 0: to work out to do with, like, wages, contributions to super, that kind of thing. Am I on the right track?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. So the first thing I want to double check is have you actually gone through with your accountant to set up, like, PAYG wages yet or not just\n\nChannel 1: Yep.\n\nChannel 0: at the moment?\n\nChannel 1: Yeah. It got started in October.\n\nChannel 0: October. Perfect. And did they mention\n\nChannel 1: Yep.\n\nChannel 0: anything about options for super contributions?\n\nChannel 1: Not really. Like, they said they couldn't advise any advice from Superfast. So\n\nChannel 0: Yep.\n\nChannel 1: they just kinda said if you do, it'd be like the standard kinda 12%. But they also explained there's all these, like, I don't know, like, ATO I don't know. They showed me something online. There's, like, these additional contributions you can make or something. I don't know how it works for the company.\n\nBut,\n\nChannel 0: Yeah.\n\nChannel 1: basically, the original conversation that I have with them was I had, like, a quite a large personal loan and the credit card that and so I've just been spending the last, like, six months just well, however long just, like, smashing that out so I can get rid of it.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So I haven't put any super in yet. I've just had, like, my first bath at the January.\n\nChannel 0: Yeah.\n\nChannel 1: Well, it was due in January for the up until December. And then when I spoke to my accountant then, I asked about super, and they're like, yeah. Just as soon as you finish paying off your debt or whatever, I just have a chat to your financial adviser. They can advise how it works. So\n\nChannel 0: Yeah. Absolutely. So I'll go through just briefly today, like, a few options on what you might look at, and then just\n\nChannel 1: okay.\n\nChannel 0: let me know what like, where you're leaning between the two.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: So when it comes to being on PAYG, previous information that we had just to kind of take one step back is that you're working for the Department of Housing at the time as a bit of a project manager. Has your\n\nChannel 1: Yep.\n\nChannel 0: role significantly changed with the business? Are you doing a similar thing but self employed?\n\nChannel 1: I'm still doing the exact same role, but I'm just now getting paid under the company structure rather than normal PAYG.\n\nChannel 0: Okay. So would you be technically kind of like a sole trader? Or\n\nChannel 1: I've set up, like, I've set up a proprietary limited.\n\nChannel 0: okay.\n\nChannel 1: I it's not really like a sole trader. Like, I'm still kind of, like, employed, like because I get paid through an agency.\n\nChannel 0: Yep.\n\nChannel 1: So my agency kind of invoices like, I I still submit a time sheet and everything, and then my agency just pays me through the company. And then so\n\nChannel 0: Mhmm.\n\nChannel 1: I just get, like, my gross pay per week now.\n\nChannel 0: Gotcha. So you've got a PTOI Ltd company.\n\nChannel 1: Yep.\n\nChannel 0: Did your accountants mention anything about personal services income or PSI rules?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Okay. So that's kind of what I'm looking at. And just so I can note it down for our files, what's the company name?\n\nChannel 1: Yep. I it's KJO consultant consultant, I think. Proprietary Limited.\n\nChannel 0: Yeah. I'll do a bit of a Google for that just to\n\nChannel 1: Yeah.\n\nChannel 0: double\n\nChannel 1: Or,\n\nChannel 0: check\n\nChannel 1: like,\n\nChannel 0: it,\n\nChannel 1: is\n\nChannel 0: but\n\nChannel 1: it clean?\n\nChannel 0: KJ Consultants PTO RTG. No. That's okay. Okay. And so with the invoicing and everything, you're now technically an employee of KJO?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Awesome. That's why you say you're you're kind of on those wages now. So in your mind then, does it when they invoice to your company, is it just\n\nChannel 1: Mhmm.\n\nChannel 0: a direct flow of, like, a thousand dollars go to goes to KJO and a thousand dollars goes out to you?\n\nChannel 1: No. So at the moment, it's just set up. So, like, everything just goes into my trust bank account. And then at the moment, I'm I haven't allocated myself a salary yet,\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: like, officially. So I guess just kind of everything just goes in there. I just pay my bills, blah blah blah blah blah.\n\nChannel 0: Yeah.\n\nChannel 1: But they did mention, like, once yeah. Like, I'm paid off everything, which I'm, like, two weeks out from paying off everything, then they're like then we can potentially look at maybe setting up a salary or something like that.\n\nChannel 0: Perfect. So one last quick question before I dive into these options is the loans that you're paying out, we're just talking about the sort of personal loan and credit card.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Personal loan and credit card. So when you get the, like, wages and salary and so on, do you have an idea of how much that might look like weekly, fortnightly, monthly, or yearly?\n\nChannel 1: Yes. So weekly, what goes in my account so this is obviously the gross amount, but it's, like, $4,435 roughly\n\nChannel 0: Yeah. And that's per week gross.\n\nChannel 1: per week. Yep.\n\nChannel 0: Perfect. Okay. So the two ways you can do it is, let's say, you get wages and a salary. Is\n\nChannel 1: Mhmm.\n\nChannel 0: that standard 12% super contributions that we're saying is just like you're an employee of any other company is\n\nChannel 1: Yep.\n\nChannel 0: a good place to start because that\n\nChannel 1: Yep.\n\nChannel 0: just gives you that consistency. Because as your business is going, you you do need a few years for it to kind of settle in before you start going too crazy with splashing the money in different directions, if that makes sense. So if you're getting\n\nChannel 1: Okay. Yep.\n\nChannel 0: consistent wage and a consistent contribution percentage, that gives you that consistency in the background.\n\nChannel 1: Okay. Yep.\n\nChannel 0: The other option is why I mentioned things like sole trader is you've got a lot of people who get an ABN. They have to pay their own super, and they get all this income, but they're not on wages\n\nChannel 1: Mhmm.\n\nChannel 0: or anything like that. They don't have a salary set up. So what\n\nChannel 1: Yes.\n\nChannel 0: they would do is they would essentially put some contributions in personally and then claim\n\nChannel 1: Okay.\n\nChannel 0: them as, like, a a\n\nChannel 1: Yep.\n\nChannel 0: tax deduction, essentially, to get to the same effect. So what I wanted to kind of ask you is do you think once that loan's paid off\n\nChannel 1: Yep.\n\nChannel 0: that you would be able to set up the the wages and the super contribution percentages, or would you be leaning the other way?\n\nChannel 1: I don't know. I'm not sure because I I don't know, like, how it works in the sense of, like, if I was to set up a salary, say, like like, what percentage salary I would have to set up for and then what I\n\nChannel 0: Yeah. I'm\n\nChannel 1: would\n\nChannel 0: with you.\n\nChannel 1: how does it work with the rest of my money? Yeah. I don't really know how that kind of works either.\n\nChannel 0: Well,\n\nChannel 1: Like\n\nChannel 0: this might help\n\nChannel 1: yeah.\n\nChannel 0: a little bit for picturing it in your mind. So you told me just before 4,435 a week gross coming through to you, to the company\n\nChannel 1: Yes.\n\nChannel 0: kind of thing. Imagine if you just took all of that as a salary and all of a sudden you're on $230,000 per year as a salary.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, lot of tax comes off the back of that. If\n\nChannel 1: Yep.\n\nChannel 0: you were to then to pay 12% super contributions on top of that, well, all of a sudden, now you need an additional $30,000 that you're, like, where are you gonna source that $30,000 to pay those contributions?\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Do you know what I mean? So if you just set your salary as a one to one to every dollar you're getting in, you don't have that extra money, so you almost would have to, like, trim down your income to compensate.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So one of the things that people tend to do is they again, this is where the accounts will be good for this, is\n\nChannel 1: Yep.\n\nChannel 0: how much are you drawing out in terms of director's loans or wages or salary to make sure you're not overshooting tax wise.\n\nChannel 1: Mhmm.\n\nChannel 0: And then if you do have a lot left over, we can either set up a small recurring contribution into super or\n\nChannel 1: Mhmm.\n\nChannel 0: even at the end of financial year, you could just put in a lump sum and then claim it as a deduction. Once you've gone through your quarterlies and your BASs and kept on top of all of your accounting and bookkeeping, you'll kind of have an idea by the end of financial year what's kinda left over and then can maybe look at doing a contribution then.\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: Does that sort of make sense? I'm hope I'm\n\nChannel 1: Yep.\n\nChannel 0: not\n\nChannel 1: Yes.\n\nChannel 0: throwing too much information at you.\n\nChannel 1: No. It's all very it is very confusing. Like, I'm it's all very new to me. So but\n\nChannel 0: Yes.\n\nChannel 1: that does make a bit of sense. Yep.\n\nChannel 0: Yeah. So what I'm saying here is we need to keep it relatively straightforward to begin with, which is\n\nChannel 1: Mhmm.\n\nChannel 0: once you are going to go set up that that salary, that income after you pay off the loan, is just try and find out through the accountants how much that's going to look like.\n\nChannel 1: Okay.\n\nChannel 0: And then\n\nChannel 1: Yep.\n\nChannel 0: just ask the question, am I going to do 12% super on that, or should I let this ride until the end of financial year? And then we assist in a bit of a triangle. So if you have a plan with your accountant for the year about how the income looks, once\n\nChannel 1: Mhmm.\n\nChannel 0: you get to the end of financial year, we can speak to you and say, hey. Now that it's June, let's you've got all this cash sitting there. You can afford to put this much into your super. We'll help you with the forms to claim it for a deduction, and you can bring that to your accountant to do your tax return.\n\nChannel 1: Gotcha. Okay.\n\nChannel 0: K. So if you do if you are writing anything down or taking notes, it's called an NOI, notice of intent to claim. And it's basically just a form that a lot of self employed people do to say, hey. I've been throwing all this money in from a bank account into my super. Can I please claim it as concessional as a tax deduction similar to had you paid yourself that percentage as an employer?\n\nChannel 1: Oh, okay. Gotcha. Yep. That makes sense.\n\nChannel 0: Cool. So we can kind of go either way with it. I just wanna be careful because you've got so much coming in gross into the business\n\nChannel 1: Yep.\n\nChannel 0: that I'm not sure what to base it on in terms of, like, are you just gonna pay yourself the minimum or a certain amount?\n\nChannel 1: Yeah.\n\nChannel 0: Just need to work out the income side of things.\n\nChannel 1: Okay. Cool. I can have a chat to my accountant about that. Because I I do remember, like, when I very first set it up, they did kind of recommend, like, pay yourself, you know, something that would bring me into, like, I guess, the second tax bracket or something,\n\nChannel 0: No.\n\nChannel 1: whatever it is, under, I don't know, one twenty or I can't remember what it was. That was just a conversation I had with them back then. I think, yeah, that's where I get confused. Sorry. It's like okay.\n\nSo I pay myself, yeah, like, a $100,000, say.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: And then I've got, like, a 120, $130,000 leftover. I think that's where I'm getting confused, like, what happens, yeah, with that.\n\nChannel 0: Exactly right. Because depending on the type of business that you've got, that money needs to go in certain places. Right? You may have to have put aside let's say you pay that and you live off that 100 and something thousand. Well,\n\nChannel 1: Yep. Yep.\n\nChannel 0: does that include having put aside the personal taxes?\n\nChannel 1: Yep.\n\nChannel 0: Do you have to worry about GST and making sure that's put aside and then things like super contributions as well within that leftover $1.20?\n\nChannel 1: Gotcha. Okay. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So not to try and push you in a triangle to just, you know, go talk to the accountants, talk to us, talk to the accounts, talk to us. But if they give you an idea of what the income is looking like, those extra considerations in terms of what to keep aside\n\nChannel 1: Mhmm.\n\nChannel 0: and what's\n\nChannel 1: Mhmm.\n\nChannel 0: gonna happen with it, we can work out whether it's best to put in, again, a percentage of contributions or just do one at the end of financial year, and we'll we'll help you along the way.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Cool. So I gotta find that out\n\nChannel 0: Yeah. Just a bit of an indication of what it's looking like because, again, I would be curious too with the extra funds left over what that needs to be set aside for and whether it would be 50,000, a 100,000, or\n\nChannel 1: first.\n\nChannel 0: how much is gonna come out to you in terms of an official income.\n\nChannel 1: Yep. Yeah. Okay. Yeah. Because,\n\nChannel 0: It\n\nChannel 1: obviously\n\nChannel 0: gives us plenty of time, though. We've still got a few months until the end of financial year, so heaps of time to work it out. That's all.\n\nChannel 1: yep. Okay. Cool.\n\nChannel 0: Sorry. What were you saying?\n\nChannel 1: Oh, no. I was just gonna say because, yeah, like, I've done up my own little budget, I guess, from when I pay off my debt, and then I was just gonna start saving, like, the my 10% bath, my 12%. I was just kind of adding up to super and then a percentage for tax. So I was kind of trying to work out roughly how much I would need to put aside anyway per week with those expenses.\n\nChannel 0: Yeah.\n\nChannel 1: But then, obviously yeah. Like, I've gotta live so I've just gotta work out, like, all my normal bills and all that sort of stuff. But, obviously, I wanna, like, benefit myself as much as I can, obviously, with, like, tax benefits and things like that. So I just yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's all a bit confusing.\n\nChannel 0: And that's why, like, it's going to be initially, but it's\n\nChannel 1: Yep.\n\nChannel 0: that's very normal. Like, the first three to five years is a little bit of, like, settling into how to run these things and what to keep an eye on. Like I was saying, once you've figured out all those different things to pay, I think the safest thing for you would just be to spend that, you know, March, April, May, the next three months just trying to settle into that and make\n\nChannel 1: Okay.\n\nChannel 0: sure, you know, what you've got to set aside. And then if you're sitting there saying, oh, in the business account or the trust account, there's all of this cash sitting there. Okay. What do I do with it? I need to put this into the tax.\n\nI'll put this much into super. So we'll leave it to, like, a a during discussion to try and find out what to do because I don't wanna jump the gun and say do x when you've got three or four other things that have to be considered as well.\n\nChannel 1: Yep. Yep. Okay. No. That makes sense.\n\nChannel 0: But, again, that'll come into routine. And then before you know it, you're doing your quarterly VAT statements and your bookkeeping and your tax returns and everything starts to paint a clearer picture. And\n\nChannel 1: Mhmm.\n\nChannel 0: then that gives you almost less options in a good way where it's like now you know all the things you have to make sure are ticked, and it leaves you less left over with a question mark around it. Whereas\n\nChannel 1: Yep. Yep. Yeah.\n\nChannel 0: at the\n\nChannel 1: Literally.\n\nChannel 0: moment, it could be hundreds of thousands sitting there, and you're like, I don't know.\n\nChannel 1: I'm just like, like, I don't know how this works.\n\nChannel 0: Yep. You did have a question as well around, like, self managed super funds, I'm assuming, to, like, purchase property and sell them. Was that also something you were\n\nChannel 1: Yeah. Yeah. That was something that my accountant had kinda said because I've I think I've got about $232.40 sitting in my super\n\nChannel 0: thinking?\n\nChannel 1: at the moment.\n\nChannel 0: Yep.\n\nChannel 1: So we kind of mentioned here, like, once you hit around the $2.50 ish mark, then potentially you could set that up so you can, yeah, buy an investment property out of it. So I just wasn't sure how that all works.\n\nChannel 0: Yeah. So I won't overwhelm you with too much information because it's not relevant right now. But\n\nChannel 1: Yep.\n\nChannel 0: when you when you hit that sort\n\nChannel 1: Mhmm.\n\nChannel 0: of two fifty mark, depending\n\nChannel 1: Mhmm.\n\nChannel 0: on, like, your contributions going to super because think of it this way. Your super fund, its serviceability for a loan, its income is essentially your contributions.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So if you go to borrow money to get an investment property, they go, how much capital have you got, which is your super, and how much is your serviceability and income, which is the rent versus your contributions rather than\n\nChannel 1: Mhmm.\n\nChannel 0: your wages. And so they take that into account for the lending side. In terms\n\nChannel 1: Right.\n\nChannel 0: of actually doing it, you need to actually create a trust fund, which is the super fund,\n\nChannel 1: Yep.\n\nChannel 0: possibly a company, which is a trustee. And then to get the loan, you have to set up a bear trust and a bear company to actually hold the loan itself. So there's four entities that we create through your accountant.\n\nChannel 1: Yep.\n\nChannel 0: And then the advisers, we would essentially set up the bank account and the investment account to move the money into to buy the property and invest\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: the funds.\n\nChannel 1: Yep.\n\nChannel 0: So it's quite an involved process, a little bit of\n\nChannel 1: Yep.\n\nChannel 0: cost for setup and so on.\n\nChannel 1: Yep.\n\nChannel 0: Would you be going into it with anybody else, or is it mainly just your your own super, your own contributions?\n\nChannel 1: No. Just me.\n\nChannel 0: Yeah. So based on once we settle into the income group side of things and get some contributions rolling, this might\n\nChannel 1: Mhmm.\n\nChannel 0: be like a next year question once you're above that\n\nChannel 1: Yep.\n\nChannel 0: two fifty because it's easier when you're like a a couple, and that couple\n\nChannel 1: Yep.\n\nChannel 0: has two sets of contributions, which is like double the income, so to speak,\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: just to actually get a loan in this day and age given the property market at the moment.\n\nChannel 1: Yep. Crazy. Yeah. That's why I was kind of thinking of, like, how can I try and get into the property market with what I have, I guess?\n\nChannel 0: Yeah.\n\nChannel 1: And then, you know, like, eventually, I'd like to buy my own place as well. But how long roughly do you have to have, like, your company for and whatnot before banks would even look at you for, like, just a normal loan?\n\nChannel 0: Depends on, like, structure and consistency. So sometimes they like to see a good two or three years\n\nChannel 1: Yep.\n\nChannel 0: of, like, consistent income. However, if you're like these guys I was talking about where they're getting these invoices from one source and it's a very consistent same income, but now all of a sudden they have a company with the exact same income, it's almost like a continuation.\n\nChannel 1: Yep.\n\nChannel 0: So that\n\nChannel 1: Yep.\n\nChannel 0: can kind of bridge it a little bit. So, yeah, somewhere between the one to three year mark, I wouldn't try and do it in less than twelve months because they won't have much to go off.\n\nChannel 1: Yep. Yeah. No. That's okay. I think I was probably looking towards middle to end of next year anyway just to get some proper savings and just also figure out, yeah, how this is all set up.\n\nBecause with my work, like, I started PM in June. So at the end, we're in delivery at the moment. And then at the end of the project, which will be September, they have advised that all my agent has kind of advised that's when I can start to negotiate my wages based on my market. Right? Because I will have, like, a over a year experience and, like, fully deliver the project by then.\n\nSo\n\nChannel 0: Yeah. That'll be\n\nChannel 1: I\n\nChannel 0: a big thing too.\n\nChannel 1: yeah. So I'd imagine, like because at the moment, I'm just kind of getting paid at more of a junior. But, yeah, my agent was like, there's lots of room for negotiation once you have that experience. So under your belt. So I'd imagine my salary would change a fair bit by the end of the year.\n\nChannel 0: Yeah. Absolutely. So there's so much going on, Kirsty, that it's\n\nChannel 1: Yep.\n\nChannel 0: part of our job is just to help you kind of break it down into one bit at a time. And\n\nChannel 1: Yep.\n\nChannel 0: I can kind of picture it now as you just kind of settle into this groove now with the taxes and the accounting side. We'll\n\nChannel 1: Yep.\n\nChannel 0: get a little bit of super contributions rolling after that. Your income's gonna change. We wanna build up your cash towards building a buying a home.\n\nChannel 1: Yep.\n\nChannel 0: We can revisit whether we invest your super in a direct property next year sometime. For now, we'll just keep it growing nice\n\nChannel 1: Mhmm.\n\nChannel 0: and steadily\n\nChannel 1: Yep.\n\nChannel 0: and just, again, build those little trunks and habits. Like, we use a lot of tree analogies here just to build the roots and the foundation. And\n\nChannel 1: Yep.\n\nChannel 0: then as it becomes time when it's appropriate, we're gonna branch out into a few different things. So you've got a lot to do in the next three to five years, but plenty for the next three months at least.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Okay.\n\nChannel 0: That that's all very exciting. I've put a few notes\n\nChannel 1: Yep.\n\nChannel 0: on the account just so we know what's going on with you. And when we do that next review, I'm gonna be very careful in terms of, like, your income changes and so on. So\n\nChannel 1: Mhmm.\n\nChannel 0: do appreciate\n\nChannel 1: Yep.\n\nChannel 0: you at least letting us know all of this is happening. Thank you for that.\n\nChannel 1: Sorry. Yep. Sorry. You're good.\n\nChannel 0: I was just gonna ask you if you had any sort of questions or anything that I haven't covered so far.\n\nChannel 1: No. That kinda makes sense based on what, like, I was wondering. I think yeah. I just didn't know because I guess, like, if you guys like, I've you're just managing my, yeah, super at the moment. Probably, I do have just a question on that because, obviously, like, I'm not contributing anything at the moment.\n\nI did notice, I don't know, a couple of months ago, there was an investment transaction, actually. So maybe something was still happening in the background. But do you guys do I need to, like, help the super company, like, that I'm not contributing or at the moment, or do I need to do anything there? Or\n\nChannel 0: That's a great question. And it's one of those things where I apologize I didn't mention it as well, is\n\nChannel 1: yep.\n\nChannel 0: at the moment, there's no contributions going in. Like, I've already kind of flagged it in our system because your last contribution\n\nChannel 1: Yes.\n\nChannel 0: was in November 2025. We put a little bit of a twelve month flagging on client accounts internally where we say, okay. If no contributions are going in for twelve months, obviously, there's a reason for that because you're going into this business side of things.\n\nChannel 1: Yep.\n\nChannel 0: We need to make sure that in terms of super growing, usually, you're super when it's in that kind of growth high growth space that yours is. It can\n\nChannel 1: Yep.\n\nChannel 0: still grow. That's okay, but fees will also have an impact.\n\nChannel 1: Yeah.\n\nChannel 0: So twelve months is not normally too big of an issue in the grand scheme of life and investments and retirement. But if this was something that continued on for three, four, five years, we would have to be questioning whether we could even do anything for you as well. So on one side, if we're going to roll in and do again, your business is growing and we're doing contributions and we're doing investments and there's things that we can add value for, that's\n\nChannel 1: Mhmm.\n\nChannel 0: fantastic. We've got\n\nChannel 1: Yep.\n\nChannel 0: some people who become like an ABN sole trader tradesman, and\n\nChannel 1: Mhmm.\n\nChannel 0: we just can't just we can't do anything. Can't\n\nChannel 1: Yep.\n\nChannel 0: make any changes. Fees are making a negative impact, so we are not no longer a positive impact on the super, if that makes sense.\n\nChannel 1: Yep. Yep. That\n\nChannel 0: So\n\nChannel 1: makes\n\nChannel 0: your\n\nChannel 1: sense.\n\nChannel 0: account basically stays okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Normally, if you go, like, eighteen months fully in like, inactive, super accounts can generally go inactive. If it's your only fund, it's usually okay. But if you had multiple funds, they can close them down, cancel attached insurances. There's things just to watch out for. That's all.\n\nChannel 1: Okay. No. That's okay. I would yeah. I definitely wanna start contributing at some point, a plan ish.\n\nLike, as you said, like, I'll work out maybe, like, the lump sum kind of at the end of the year might be better. But, yeah, I'll I can I'll have a chat to my accountant first, figure out, like, a yeah. That salary, and then and so once I do kind of figure that out, then I'll just tell you guys, like, what I'm planning on doing? Or\n\nChannel 0: Yeah. So what we would do, if you can call us back, that'd be good. I'm already gonna set up a contact point for someone to give you a call at least in May just to check-in.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: what we would do from there is we'll give you some BPA or EFT details so you can make the contribution. We'll\n\nChannel 1: Mhmm.\n\nChannel 0: pre fill in the forms to claim it as a tax deduction, get\n\nChannel 1: Yep.\n\nChannel 0: you to sign that, process it through your Superfund, which is Hub, and then\n\nChannel 1: Mhmm.\n\nChannel 0: we'll give that to you once you get your confirmation letter to give to your accountant when you do\n\nChannel 1: Mhmm.\n\nChannel 0: your tax return.\n\nChannel 1: Okay. How does that work with the with the tax deduction? So does that mean, like, to say, yeah, I contribute 30,000 as an example,\n\nChannel 0: Yep.\n\nChannel 1: then I can claim that back as an expense against my company? Or\n\nChannel 0: Similar. Similar. So let's say that your company generated, for argument's sake, a $120,000, and it was\n\nChannel 1: mhmm.\n\nChannel 0: gonna pay tax on that. So a 100,000 comes out to you in wages and you pay income tax on that.\n\nChannel 1: Mhmm.\n\nChannel 0: The 20,000 that's left over is about to be taxed. So by putting it into super, you're putting it in at a concessional rate of 15%\n\nChannel 1: Mhmm.\n\nChannel 0: because you're allowed to do that up to 30,000 and so on, and then\n\nChannel 1: Yep.\n\nChannel 0: you're not being taxed at 32, 37, or above.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. So what actually happens is because super is taxed at 15%, give you an example, you put $20 into your super. We submit that form to claim it. They'll take\n\nChannel 1: Mhmm.\n\nChannel 0: 15% out of that and give it to the tax office and tell the tax office this is a concessional contribution. Then when you come to do your tax return, your income for tax purposes is dropped 20,000,\n\nChannel 1: Right. Okay. Yep. That\n\nChannel 0: and then\n\nChannel 1: makes\n\nChannel 0: you\n\nChannel 1: sense.\n\nChannel 0: pay tax on the leftover.\n\nChannel 1: Gotcha. Yeah. I think that's what they were showing me actually, the concessional thing that you can claim so much. And is there something like you can be backdated for many financial years or something? I think that was showing me something.\n\nChannel 0: Yeah. Absolutely. Five years. Not that you would want to put in $150,000 in one go this financial year, but you can actually use up anything that you haven't used going backwards five years.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. Just be careful, though, because it's very tempting for people to say, just chuck your money into super because it's a tax deduction, which is great, but then you're kind of locking it away until\n\nChannel 1: Yep.\n\nChannel 0: six year above. So just doing it for a tax deduction is not kind of the right idea.\n\nChannel 1: Yep.\n\nChannel 0: I prefer putting in enough to get the super moving to where it needs to go, but if there's usage for the money personally, make sure you take that into account as well before you lock it away.\n\nChannel 1: Yep. Okay. No. That makes sense. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: Especially\n\nChannel 1: definitely,\n\nChannel 0: if you\n\nChannel 1: like\n\nChannel 0: wanna get a property.\n\nChannel 1: yeah. I was gonna say, like, I would prefer to save that money for a property\n\nChannel 0: Yeah. Me\n\nChannel 1: for\n\nChannel 0: too.\n\nChannel 1: sure. Yeah. Okay. Cool. Alright.\n\nNo worries. Well, I'll work on that first of all. And then,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I'll touch base once I've figured that out.\n\nChannel 0: Awesome. And what I'll have to do at that point too, Kirsty, is once we figure out the income and super side of things, I will just update a few more details on your file just because I've got your company noted down in the estimates. But if\n\nChannel 1: Mhmm.\n\nChannel 0: there are, again, changes to your duties and things like that, I'll go a bit more in-depth in the next conversation.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: Beauty.\n\nChannel 1: I also found it's KJO Consulting Proprietary Limited.\n\nChannel 0: KJO Consulting.\n\nChannel 1: Yep.\n\nChannel 0: I'm hoping there's not too many of those around the country.\n\nChannel 1: Yeah.\n\nChannel 0: KJO\n\nChannel 1: Yep.\n\nChannel 0: Consulting. I'm hoping there is a Facebook page, which is cool. I'm hoping that's yours.\n\nChannel 1: No.\n\nChannel 0: No. There's a few of those around the world.\n\nChannel 1: Okay. No. I've got nothing kinda linked to it. I should have my APM tomorrow if you need that.\n\nChannel 0: Actually, if you do have the the ABN, that'd be fantastic, or ACN.\n\nChannel 1: Yep. Two seconds. I should be able to get it. Yeah. I got both.\n\nThe\n\nChannel 0: I\n\nChannel 1: ACN\n\nChannel 0: would love to note those down.\n\nChannel 1: yep. So ACN is 6910039077,\n\nChannel 0: Six nine one zero three nine zero, double seven.\n\nChannel 1: and the ABN is 24315008263.\n\nChannel 0: Cool. So I'll just read that back to you. 24315008263.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Thank you for that. Really appreciate you having that on hand.\n\nChannel 1: Alright.\n\nChannel 0: Awesome. So I'll add this all into the file. There'll be some notes there for the your usual adviser as well. I will still just put a contact point in for May just in case if we don't hear from you. But, otherwise, once you've had a chat to the accountants, maybe just let them know that we spoke about doing the 12% versus the lump sum and\n\nChannel 1: Yep.\n\nChannel 0: which way we're kind of leaning. And then, yeah, just see what happens with the income side, and I can kind of take it from there.\n\nChannel 1: Okay. Cool. Alrighty.\n\nChannel 0: Awesome. Perfect.\n\nChannel 1: Thank you\n\nChannel 0: Anything\n\nChannel 1: so\n\nChannel 0: else I can help with?\n\nChannel 1: no. That's all for now.\n\nChannel 0: Fantastic. Well, thank you for taking the time today. Have a lovely day, and I hope to hear from you soon.\n\nChannel 1: Okay. Thank you so much. Bye.\n\nChannel 0: Thank you, Cassie. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.28,"sentiment":"neutral","sentiment_score":0.025421669706702232},{"text":"Christie speaking.","start":1.28,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.02760592382401228}],"sentiment":"neutral","sentiment_score":0.026877839118242264,"channel":1,"num_words":3,"start":0.96,"end":2.1799998},{"sentences":[{"text":"Good afternoon, Kirsty.","start":2.8799999,"end":4.0,"sentiment":"positive","sentiment_score":0.3426826000213623},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":4.0,"end":6.64,"sentiment":"neutral","sentiment_score":0.21607577800750732},{"text":"How are you doing?","start":6.64,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.19289103895425797}],"sentiment":"neutral","sentiment_score":0.23521454532941183,"channel":0,"num_words":15,"start":2.8799999,"end":7.3799996},{"sentences":[{"text":"Good.","start":7.68,"end":8.0,"sentiment":"positive","sentiment_score":0.3716006278991699},{"text":"Thanks.","start":8.0,"end":8.24,"sentiment":"positive","sentiment_score":0.49027103185653687},{"text":"How are you?","start":8.24,"end":9.139999,"sentiment":"neutral","sentiment_score":0.24967813988526663}],"sentiment":"neutral","sentiment_score":0.3221812158823013,"channel":1,"num_words":5,"start":7.68,"end":9.139999},{"sentences":[{"text":"Doing fantastic.","start":9.44,"end":10.179999,"sentiment":"positive","sentiment_score":0.7706730961799622},{"text":"I just wanted to quickly let you know that I'm giving you a call to go through the questions you had regarding, like, the contributions for the super and so 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hoping there is a Facebook page, which is cool.","start":1764.38,"end":1769.6749,"sentiment":"neutral","sentiment_score":0.23422697186470032},{"text":"I'm hoping that's yours.","start":1770.5349,"end":1771.755,"sentiment":"neutral","sentiment_score":0.18109052069485188}],"sentiment":"neutral","sentiment_score":0.2109633112947146,"channel":0,"num_words":15,"start":1762.62,"end":1771.755},{"sentences":[{"text":"No.","start":1772.84,"end":1773.34,"sentiment":"neutral","sentiment_score":-0.04928862303495407}],"sentiment":"neutral","sentiment_score":-0.04928862303495407,"channel":1,"num_words":1,"start":1772.84,"end":1773.34},{"sentences":[{"text":"No.","start":1773.815,"end":1774.135,"sentiment":"neutral","sentiment_score":-0.059017159044742584},{"text":"There's a few of those around the 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ACN.","start":1789.59,"end":1793.995,"sentiment":"neutral","sentiment_score":0.10786796361207962}],"sentiment":"neutral","sentiment_score":0.10786796361207962,"channel":0,"num_words":13,"start":1789.59,"end":1793.995},{"sentences":[{"text":"Yep.","start":1795.04,"end":1795.54,"sentiment":"neutral","sentiment_score":0.08522074669599533},{"text":"Two seconds.","start":1795.68,"end":1796.42,"sentiment":"neutral","sentiment_score":0.08479680120944977},{"text":"I should be able to get it.","start":1796.9601,"end":1798.5801,"sentiment":"neutral","sentiment_score":0.11146900589976992},{"text":"Yeah.","start":1814.9299,"end":1815.0499,"sentiment":"neutral","sentiment_score":0.08310659229755402},{"text":"I got 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down.","start":1818.0851,"end":1819.865,"sentiment":"neutral","sentiment_score":0.14792958398660025}],"sentiment":"neutral","sentiment_score":0.14792958398660025,"channel":0,"num_words":6,"start":1818.0851,"end":1819.865},{"sentences":[{"text":"yep.","start":1820.77,"end":1821.09,"sentiment":"neutral","sentiment_score":0.06281919777393341},{"text":"So ACN is 6910039077,","start":1821.09,"end":1830.5349,"sentiment":"neutral","sentiment_score":0.041203356347978115}],"sentiment":"neutral","sentiment_score":0.045526524633169176,"channel":1,"num_words":5,"start":1820.77,"end":1830.5349},{"sentences":[{"text":"Six nine one zero three nine zero, double seven.","start":1824.5651,"end":1832.05,"sentiment":"neutral","sentiment_score":0.04730153207977613}],"sentiment":"neutral","sentiment_score":0.04730153207977613,"channel":0,"num_words":9,"start":1824.5651,"end":1832.05},{"sentences":[{"text":"and the ABN is 24315008263.","start":1832.8351,"end":1840.76,"sentiment":"neutral","sentiment_score":0.04269053265452385}],"sentiment":"neutral","sentiment_score":0.04269053265452385,"channel":1,"num_words":5,"start":1832.8351,"end":1840.76},{"sentences":[{"text":"Cool.","start":1841.4049,"end":1841.565,"sentiment":"neutral","sentiment_score":0.2149375677108765},{"text":"So I'll just read that back to you.","start":1841.565,"end":1843.005,"sentiment":"neutral","sentiment_score":0.1336374469101429},{"text":"24315008263.","start":1843.005,"end":1846.945,"sentiment":"neutral","sentiment_score":0.05150078237056732}],"sentiment":"neutral","sentiment_score":0.1335537925362587,"channel":0,"num_words":10,"start":1841.4049,"end":1846.945},{"sentences":[{"text":"Yep.","start":1847.38,"end":1847.88,"sentiment":"neutral","sentiment_score":0.24530673027038577}],"sentiment":"neutral","sentiment_score":0.24530673027038577,"channel":1,"num_words":1,"start":1847.38,"end":1847.88},{"sentences":[{"text":"Perfect.","start":1848.445,"end":1848.945,"sentiment":"positive","sentiment_score":0.5677551031112671},{"text":"Thank you for that.","start":1849.005,"end":1849.725,"sentiment":"positive","sentiment_score":0.6759247779846191},{"text":"Really appreciate you having that on hand.","start":1849.725,"end":1851.585,"sentiment":"positive","sentiment_score":0.6342019183295113}],"sentiment":"positive","sentiment_score":0.642572303613027,"channel":0,"num_words":12,"start":1848.445,"end":1851.585},{"sentences":[{"text":"Alright.","start":1852.02,"end":1852.52,"sentiment":"positive","sentiment_score":0.3788994252681732}],"sentiment":"positive","sentiment_score":0.3788994252681732,"channel":1,"num_words":1,"start":1852.02,"end":1852.52},{"sentences":[{"text":"Awesome.","start":1853.325,"end":1853.825,"sentiment":"positive","sentiment_score":0.4297465682029724},{"text":"So I'll add this all into the file.","start":1854.3,"end":1856.38,"sentiment":"neutral","sentiment_score":0.25421582348644733},{"text":"There'll be some notes there for the your usual adviser as well.","start":1856.38,"end":1860.4,"sentiment":"neutral","sentiment_score":0.1759698229531447},{"text":"I will still just put a contact point in for May just in case if we don't hear from you.","start":1860.9401,"end":1865.42,"sentiment":"neutral","sentiment_score":0.10186660941690207},{"text":"But, otherwise, once you've had a chat to the accountants, maybe just let them know that we spoke about doing the 12% versus the lump sum and","start":1865.42,"end":1874.2051,"sentiment":"neutral","sentiment_score":0.08143478425012694}],"sentiment":"neutral","sentiment_score":0.12957621168564348,"channel":0,"num_words":68,"start":1853.325,"end":1874.2051},{"sentences":[{"text":"Yep.","start":1873.7101,"end":1874.2101,"sentiment":"neutral","sentiment_score":0.050719380378723145}],"sentiment":"neutral","sentiment_score":0.050719380378723145,"channel":1,"num_words":1,"start":1873.7101,"end":1874.2101},{"sentences":[{"text":"which way we're kind of leaning.","start":1874.265,"end":1875.545,"sentiment":"neutral","sentiment_score":0.023352293608089287},{"text":"And then, yeah, just see what happens with the income side, and I can kind of take it from 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with?","start":1883.4,"end":1884.54,"sentiment":"positive","sentiment_score":0.5291079521179199}],"sentiment":"positive","sentiment_score":0.5291079521179199,"channel":0,"num_words":5,"start":1883.4,"end":1884.54},{"sentences":[{"text":"no.","start":1885.695,"end":1885.935,"sentiment":"neutral","sentiment_score":0.03197365999221802},{"text":"That's all for now.","start":1885.935,"end":1887.235,"sentiment":"neutral","sentiment_score":0.28904618695378304}],"sentiment":"neutral","sentiment_score":0.23763168156147002,"channel":1,"num_words":5,"start":1885.695,"end":1887.235},{"sentences":[{"text":"Fantastic.","start":1887.799,"end":1888.299,"sentiment":"positive","sentiment_score":0.8026841878890991},{"text":"Well, thank you for taking the time today.","start":1888.4388,"end":1890.1189,"sentiment":"positive","sentiment_score":0.8152428269386292},{"text":"Have a lovely day, and I hope to hear from you soon.","start":1890.1189,"end":1892.9388,"sentiment":"positive","sentiment_score":0.74673360089461}],"sentiment":"positive","sentiment_score":0.7754966673396883,"channel":0,"num_words":21,"start":1887.799,"end":1892.9388},{"sentences":[{"text":"Okay.","start":1893.215,"end":1893.455,"sentiment":"positive","sentiment_score":0.44742918014526367},{"text":"Thank you so much.","start":1893.455,"end":1894.595,"sentiment":"positive","sentiment_score":0.7901687175035477},{"text":"Bye.","start":1894.655,"end":1895.155,"sentiment":"positive","sentiment_score":0.4762634038925171}],"sentiment":"positive","sentiment_score":0.6807279090086619,"channel":1,"num_words":6,"start":1893.215,"end":1895.155},{"sentences":[{"text":"Thank you, Cassie.","start":1894.8389,"end":1895.7189,"sentiment":"positive","sentiment_score":0.671038826306661},{"text":"Bye.","start":1895.7189,"end":1896.2189,"sentiment":"neutral","sentiment_score":-0.11373332142829896}],"sentiment":"positive","sentiment_score":0.474845789372921,"channel":0,"num_words":4,"start":1894.8389,"end":1896.2189}]},"summary":{"result":"success","short":"The agent from Oakview Financial discusses Kirsty's contributions and personal and employment history with Kirsty, and suggests options for personal loans and credit cards. The agent explains the process of setting up a salary and contribution percentage for a personal loan and credit card, and advises Kirsty to focus on their income and not try to push them into a triangle. The agent also explains the importance of consistent income and negotiating overtime, and suggests using Superfund to claim it and provide BPA or EFT details to their accountant. The speaker emphasizes the importance of building up cash towards building a buying home and offers to check in with Kirsty's accountant in May."},"intents":{"segments":[{"text":"I just wanted to quickly let you know that I'm giving you a call to go through the questions you had regarding, like, the contributions for the super and so on. We Yep.","start_word":25,"end_word":57,"intents":[{"intent":"Check super contributions","confidence_score":0.17003141}]},{"text":"Before I jump into it, just the usual security process. Just wanting to check that you're okay for the calls to be recorded. Yeah.","start_word":94,"end_word":117,"intents":[{"intent":"Check security","confidence_score":0.015939562}]},{"text":"And do you recall the client password that you set up when you came on board? Is it Taylor?","start_word":121,"end_word":139,"intents":[{"intent":"Check client password","confidence_score":0.0547038}]},{"text":"So what I've got here, I'm just been looking through the notes this morning that you've sort of come on board towards the end of last year. You've had the changes now with the company and the trust, and you're trying Yep. to work out to do with, like, wages, contributions to super, that kind of thing. Am I on the right track?","start_word":186,"end_word":248,"intents":[{"intent":"Determine eligibility for assistance","confidence_score":0.00011089746}]},{"text":"So the first thing I want to double check is have you actually gone through with your accountant to set up, like, PAYG wages yet or not just Yep. at the moment? Yeah.","start_word":252,"end_word":284,"intents":[{"intent":"Check accounts","confidence_score":0.0033039981}]},{"text":"So the two ways you can do it is, let's say, you get wages and a salary. Is Mhmm. that standard 12% super contributions that we're saying is just like you're an employee of any other company is Yep.","start_word":1056,"end_word":1094,"intents":[{"intent":"Clarify benefits","confidence_score":0.0077644247}]},{"text":"you were to then to pay 12% super contributions on top of that, well, all of a sudden, now you need an additional $30,000 that you're, like, where are you gonna source that $30,000 to pay those contributions? Yep.","start_word":1441,"end_word":1479,"intents":[{"intent":"Discuss contributions and income options","confidence_score":0.000040352377}]},{"text":"And then if you do have a lot left over, we can either set up a small recurring contribution into super or Mhmm.","start_word":1576,"end_word":1598,"intents":[{"intent":"Offer assistance on plan and arrangement for recurring contributions","confidence_score":1.2760066e-13}]},{"text":"Once you've gone through your quarterlies and your BASs and kept on top of all of your accounting and bookkeeping, you'll kind of have an idea by the end of financial year what's kinda left over and then can maybe look at doing a contribution then.","start_word":1621,"end_word":1666,"intents":[{"intent":"Plan to consider contribution options","confidence_score":0.000031219563}]},{"text":"And then we assist in a bit of a triangle. So if you have a plan with your accountant for the year about how the income looks, once Mhmm.","start_word":1800,"end_word":1828,"intents":[{"intent":"Assist in income management","confidence_score":0.027033897}]},{"text":"So if you have a plan with your accountant for the year about how the income looks, once Mhmm.","start_word":1809,"end_word":1827,"intents":[{"intent":"Discuss payment plan","confidence_score":0.0004909088}]},{"text":"We'll help you with the forms to claim it for a deduction, and you can bring that to your accountant to do your tax return.","start_word":1866,"end_word":1890,"intents":[{"intent":"Obtain tax deduction form","confidence_score":0.010043289}]},{"text":"gonna happen with it, we can work out whether it's best to put in, again, a percentage of contributions or just do one at the end of financial year, and we'll we'll help you along the way. Yep.","start_word":2305,"end_word":2342,"intents":[{"intent":"Calculate contributions","confidence_score":0.008662952}]},{"text":"But, obviously, I wanna, like, benefit myself as much as I can, obviously, with, like, tax benefits and things like that. So I just yeah.","start_word":2558,"end_word":2582,"intents":[{"intent":"Define tax benefits","confidence_score":0.0018977413}]},{"text":"So if you go to borrow money to get an investment property, they go, how much capital have you got, which is your super, and how much is your serviceability and income, which is the rent versus your contributions rather than Mhmm. your wages. And so they take that into account for the lending side. In terms Right.","start_word":3047,"end_word":3104,"intents":[{"intent":"Invest in investment property","confidence_score":0.000010408228}]},{"text":"So I'd imagine my salary would change a fair bit by the end of the year.","start_word":3665,"end_word":3680,"intents":[{"intent":"Discuss salary changes","confidence_score":0.054156244}]},{"text":"So you've got a lot to do in the next three to five years, but plenty for the next three months at least. Yeah.","start_word":3840,"end_word":3863,"intents":[{"intent":"Discuss future plans","confidence_score":0.081129245},{"intent":"Discuss future plans","confidence_score":0.50453234}]},{"text":"do appreciate Yep. you at least letting us know all of this is happening. Thank you for that. Sorry.","start_word":3914,"end_word":3932,"intents":[{"intent":"Express appreciation","confidence_score":0.019744592},{"intent":"Express gratitude","confidence_score":0.010791001}]},{"text":"I just didn't know because I guess, like, if you guys like, I've you're just managing my, yeah, super at the moment. Probably, I do have just a question on that because, obviously, like, I'm not contributing anything at the moment.","start_word":3974,"end_word":4014,"intents":[{"intent":"Discuss super contribution status","confidence_score":0.0020300203}]},{"text":"I definitely wanna start contributing at some point, a plan ish. Like, as you said, like, I'll work out maybe, like, the lump sum kind of at the end of the year might be better.","start_word":4408,"end_word":4442,"intents":[{"intent":"Plan a plan","confidence_score":0.000734207}]},{"text":"I'm already gonna set up a contact point for someone to give you a call at least in May just to check-in. Okay.","start_word":4503,"end_word":4525,"intents":[{"intent":"Create a contact point","confidence_score":0.012525915}]},{"text":"pre fill in the forms to claim it as a tax deduction, get Yep. you to sign that, process it through your Superfund, which is Hub, and then Mhmm. we'll give that to you once you get your confirmation letter to give to your accountant when you do Mhmm. your tax return.","start_word":4551,"end_word":4602,"intents":[{"intent":"Process a form","confidence_score":0.069852985},{"intent":"Confirm a form","confidence_score":0.08516807}]},{"text":"pre fill in the forms to claim it as a tax deduction, get Yep. you to sign that, process it through your Superfund, which is Hub, and then Mhmm. we'll give that to you once you get your confirmation letter to give to your accountant when you do Mhmm. your tax return. Okay.","start_word":4551,"end_word":4603,"intents":[{"intent":"Provide tax deduction","confidence_score":0.06254922}]},{"text":"So let's say that your company generated, for argument's sake, a $120,000, and it was mhmm. gonna pay tax on that.","start_word":4644,"end_word":4664,"intents":[{"intent":"Pay tax","confidence_score":0.4944373}]},{"text":"So a 100,000 comes out to you in wages and you pay income tax on that. Mhmm.","start_word":4666,"end_word":4682,"intents":[{"intent":"Determine income tax deduction","confidence_score":0.0000045226357}]},{"text":"And what I'll have to do at that point too, Kirsty, is once we figure out the income and super side of things, I will just update a few more details on your file just because I've got your company noted down in the estimates. But if Mhmm. there are, again, changes to your duties and things like that, I'll go a bit more in-depth in the next conversation. Yep.","start_word":5057,"end_word":5126,"intents":[{"intent":"Update file information","confidence_score":0.0035630702}]},{"text":"So I'll add this all into the file. There'll be some notes there for the your usual adviser as well. I will still just put a contact point in for May just in case if we don't hear from you. But, otherwise, once you've had a chat to the accountants, maybe just let them know that we spoke about doing the 12% versus the lump sum and Yep. which way we're kind of leaning.","start_word":5279,"end_word":5352,"intents":[{"intent":"Add to file","confidence_score":0.045347992}]}]},"sentiments":{"segments":[{"text":"Hello. Christie speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.027619142085313797},{"text":"Good afternoon, Kirsty.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3663213849067688},{"text":"It's Tommy here, senior adviser from Oakview Financial. How are you doing?","start_word":6,"end_word":17,"sentiment":"neutral","sentiment_score":0.21121565997600555},{"text":"Good. Thanks.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.4309358298778534},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.26357927918434143},{"text":"Doing fantastic.","start_word":23,"end_word":24,"sentiment":"positive","sentiment_score":0.7706730961799622},{"text":"I just wanted to quickly let you know that I'm giving you a call to go through the questions you had regarding, like, the contributions for the super and so on. We Yep. had you booked in with Veronica today. She is ill, so I just wanted to jump on to assist you. Oh, okay. That's fine. Perfect. Do you still Yep. have a bit of time today? Awesome. Before I jump into it, just the usual security process. Just wanting to check that you're okay for the calls to be recorded. Yeah. That's fine. Awesome. And do you recall the client password that you set up when you came on board? Is it Taylor? Yes. It is. Mother's Yep. maiden name. So that Yep. will be your skipping of the three point ID check when whenever we call. Just Yep. makes things a little bit smoother.","start_word":25,"end_word":171,"sentiment":"neutral","sentiment_score":0.10502789169549942},{"text":"So that is perfect. Thank you so much for that, Kirsty.","start_word":172,"end_word":182,"sentiment":"positive","sentiment_score":0.6111904382705688},{"text":"No worries. Awesome. So what I've got here, I'm just been looking through the notes this morning that you've sort of come on board towards the end of last year. You've had the changes now with the company and the trust, and you're trying Yep. to work out to do with, like, wages, contributions to super, that kind of thing. Am I on the right track? Yes. Yep. Perfect. So the first thing I want to double check is have you actually gone through with your accountant to set up, like, PAYG wages yet or not just Yep. at the moment? Yeah. It got started in October. October. Perfect. And did they mention Yep. anything about options for super contributions? Not really. Like, they said they couldn't advise any advice from Superfast. So Yep. they just kinda said if you do, it'd be like the standard kinda 12%. But they also explained there's all these, like, I don't know, like, ATO I don't know. They showed me something online. There's, like, these additional contributions you can make or something. I don't know how it works for the company. But, Yeah. basically, the original conversation that I have with them was I had, like, a quite a large personal loan and the credit card that and so I've just been spending the last, like, six months just well, however long just, like, smashing that out so I can get rid of it. Yeah. Okay. So I haven't put any super in yet. I've just had, like, my first bath at the January. Yeah. Well, it was due in January for the up until December. And then when I spoke to my accountant then, I asked about super, and they're like, yeah. Just as soon as you finish paying off your debt or whatever, I just have a chat to your financial adviser. They can advise how it works. So Yeah.","start_word":183,"end_word":501,"sentiment":"neutral","sentiment_score":-0.05999736760948787},{"text":"Absolutely.","start_word":502,"end_word":502,"sentiment":"positive","sentiment_score":0.35701659321784973},{"text":"So I'll go through just briefly today, like, a few options on what you might look at, and then just okay. let me know what like, where you're leaning between the two. Yeah. No worries. So when it comes to being on PAYG, previous information that we had just to kind of take one step back is that you're working for the Department of Housing at the time as a bit of a project manager. Has your Yep. role significantly changed with the business? Are you doing a similar thing but self employed? I'm still doing the exact same role, but I'm just now getting paid under the company structure rather than normal PAYG. Okay. So would you be technically kind of like a sole trader? Or I've set up, like, I've set up a proprietary limited. okay. I it's not really like a sole trader. Like, I'm still kind of, like, employed, like because I get paid through an agency. Yep. So my agency kind of invoices like, I I still submit a time sheet and everything, and then my agency just pays me through the company. And then so Mhmm. I just get, like, my gross pay per week now. Gotcha. So you've got a PTOI Ltd company. Yep. Did your accountants mention anything about personal services income or PSI rules? Yes.","start_word":503,"end_word":726,"sentiment":"neutral","sentiment_score":0.02380209698042433},{"text":"Perfect.","start_word":727,"end_word":727,"sentiment":"positive","sentiment_score":0.47467678785324097},{"text":"Okay. So that's kind of what I'm looking at. And just so I can note it down for our files, what's the company name? Yep. I it's KJO consultant consultant, I think. Proprietary Limited. Yeah. I'll do a bit of a Google for that just to Yeah. double Or, check like, it, is but it clean? KJ Consultants PTO RTG. No. That's okay. Okay. And so with the invoicing and everything, you're now technically an employee of KJO? Yeah. Yep.","start_word":728,"end_word":807,"sentiment":"neutral","sentiment_score":0.0632907822728157},{"text":"Awesome.","start_word":808,"end_word":808,"sentiment":"positive","sentiment_score":0.4019891619682312},{"text":"That's why you say you're you're kind of on those wages now. So in your mind then, does it when they invoice to your company, is it just Mhmm. a direct flow of, like, a thousand dollars go to goes to KJO and a thousand dollars goes out to you? No. So at the moment, it's just set up. So, like, everything just goes into my trust bank account. And then at the moment, I'm I haven't allocated myself a salary yet, Mhmm. Yeah. like, officially. So I guess just kind of everything just goes in there. I just pay my bills, blah blah blah blah blah. Yeah. But they did mention, like, once yeah. Like, I'm paid off everything, which I'm, like, two weeks out from paying off everything, then they're like then we can potentially look at maybe setting up a salary or something like that. Perfect. So one last quick question before I dive into these options is the loans that you're paying out, we're just talking about the sort of personal loan and credit card. Yeah. Yep. Perfect. Personal loan and credit card. So when you get the, like, wages and salary and so on, do you have an idea of how much that might look like weekly, fortnightly, monthly, or yearly? Yes. So weekly, what goes in my account so this is obviously the gross amount, but it's, like, $4,435 roughly Yeah. And that's per week gross. per week.","start_word":809,"end_word":1052,"sentiment":"neutral","sentiment_score":0.01627734862267971},{"text":"Yep. Perfect.","start_word":1053,"end_word":1054,"sentiment":"positive","sentiment_score":0.5000548362731934},{"text":"Okay. So the two ways you can do it is, let's say, you get wages and a salary. Is Mhmm. that standard 12% super contributions that we're saying is just like you're an employee of any other company is Yep.","start_word":1055,"end_word":1094,"sentiment":"neutral","sentiment_score":0.14842839539051056},{"text":"a good place to start because that Yep. just gives you that consistency.","start_word":1095,"end_word":1107,"sentiment":"positive","sentiment_score":0.6432456970214844},{"text":"Because as your business is going, you you do need a few years for it to kind of settle in before you start going too crazy with splashing the money in different directions, if that makes sense. So if you're getting Okay. Yep.","start_word":1108,"end_word":1150,"sentiment":"neutral","sentiment_score":0.22796382009983063},{"text":"consistent wage and a consistent contribution percentage, that gives you that consistency in the background.","start_word":1151,"end_word":1165,"sentiment":"positive","sentiment_score":0.3710179030895233},{"text":"Okay. Yep. The other option is why I mentioned things like sole trader is you've got a lot of people who get an ABN. They have to pay their own super, and they get all this income, but they're not on wages Mhmm. or anything like that. They don't have a salary set up. So what Yes. they would do is they would essentially put some contributions in personally and then claim Okay. them as, like, a a Yep. tax deduction, essentially, to get to the same effect. So what I wanted to kind of ask you is do you think once that loan's paid off Yep. that you would be able to set up the the wages and the super contribution percentages, or would you be leaning the other way? I don't know. I'm not sure because I I don't know, like, how it works in the sense of, like, if I was to set up a salary, say, like like, what percentage salary I would have to set up for and then what I Yeah. I'm would with you. how does it work with the rest of my money? Yeah. I don't really know how that kind of works either. Well, Like this might help yeah. a little bit for picturing it in your mind. So you told me just before 4,435 a week gross coming through to you, to the company Yes. kind of thing. Imagine if you just took all of that as a salary and all of a sudden you're on $230,000 per year as a salary. Yep. Obviously, lot of tax comes off the back of that. If Yep. you were to then to pay 12% super contributions on top of that, well, all of a sudden, now you need an additional $30,000 that you're, like, where are you gonna source that $30,000 to pay those contributions? Yep. Okay. Yep. Do you know what I mean? So if you just set your salary as a one to one to every dollar you're getting in, you don't have that extra money, so you almost would have to, like, trim down your income to compensate. Yep. Yep. So one of the things that people tend to do is they again, this is where the accounts will be good for this, is Yep. how much are you drawing out in terms of director's loans or wages or salary to make sure you're not overshooting tax wise. Mhmm. And then if you do have a lot left over, we can either set up a small recurring contribution into super or Mhmm. even at the end of financial year, you could just put in a lump sum and then claim it as a deduction. Once you've gone through your quarterlies and your BASs and kept on top of all of your accounting and bookkeeping, you'll kind of have an idea by the end of financial year what's kinda left over and then can maybe look at doing a contribution then. Oh, okay. Yep. Does that sort of make sense? I'm hope I'm Yep. not Yes. throwing too much information at you.","start_word":1166,"end_word":1687,"sentiment":"neutral","sentiment_score":0.04902898515949304},{"text":"No. It's all very it is very confusing.","start_word":1688,"end_word":1695,"sentiment":"negative","sentiment_score":-0.422487199306488},{"text":"Like, I'm it's all very new to me. So but Yes. that does make a bit of sense. Yep. Yeah. So what I'm saying here is we need to keep it relatively straightforward to begin with, which is Mhmm. once you are going to go set up that that salary, that income after you pay off the loan, is just try and find out through the accountants how much that's going to look like. Okay. And then Yep. just ask the question, am I going to do 12% super on that, or should I let this ride until the end of financial year? And then we assist in a bit of a triangle. So if you have a plan with your accountant for the year about how the income looks, once Mhmm. you get to the end of financial year, we can speak to you and say, hey. Now that it's June, let's you've got all this cash sitting there. You can afford to put this much into your super. We'll help you with the forms to claim it for a deduction, and you can bring that to your accountant to do your tax return. Gotcha. Okay. K. So if you do if you are writing anything down or taking notes, it's called an NOI, notice of intent to claim. And it's basically just a form that a lot of self employed people do to say, hey. I've been throwing all this money in from a bank account into my super. Can I please claim it as concessional as a tax deduction similar to had you paid yourself that percentage as an employer? Oh, okay. Gotcha. Yep.","start_word":1696,"end_word":1972,"sentiment":"neutral","sentiment_score":0.0936826177560035},{"text":"That makes sense. Cool.","start_word":1973,"end_word":1976,"sentiment":"positive","sentiment_score":0.4193271398544311},{"text":"So we can kind of go either way with it. I just wanna be careful because you've got so much coming in gross into the business Yep. that I'm not sure what to base it on in terms of, like, are you just gonna pay yourself the minimum or a certain amount? Yeah. Just need to work out the income side of things. Okay.","start_word":1977,"end_word":2040,"sentiment":"neutral","sentiment_score":-0.0964466631412506},{"text":"Cool.","start_word":2041,"end_word":2041,"sentiment":"positive","sentiment_score":0.38660556077957153},{"text":"I can have a chat to my accountant about that. Because I I do remember, like, when I very first set it up, they did kind of recommend, like, pay yourself, you know, something that would bring me into, like, I guess, the second tax bracket or something, No. whatever it is, under, I don't know, one twenty or I can't remember what it was. That was just a conversation I had with them back then. I think, yeah, that's where I get confused. Sorry. It's like okay. So I pay myself, yeah, like, a $100,000, say. Yep. Yeah. And then I've got, like, a 120, $130,000 leftover. I think that's where I'm getting confused, like, what happens, yeah, with that. Exactly right. Because depending on the type of business that you've got, that money needs to go in certain places. Right? You may have to have put aside let's say you pay that and you live off that 100 and something thousand. Well, Yep. Yep. does that include having put aside the personal taxes? Yep. Do you have to worry about GST and making sure that's put aside and then things like super contributions as well within that leftover $1.20? Gotcha. Okay. Yep. Yep. Yeah. So not to try and push you in a triangle to just, you know, go talk to the accountants, talk to us, talk to the accounts, talk to us. But if they give you an idea of what the income is looking like, those extra considerations in terms of what to keep aside Mhmm. and what's Mhmm. gonna happen with it, we can work out whether it's best to put in, again, a percentage of contributions or just do one at the end of financial year, and we'll we'll help you along the way. Yep. Yeah. Okay.","start_word":2042,"end_word":2344,"sentiment":"neutral","sentiment_score":0.02312611781134464},{"text":"Cool.","start_word":2345,"end_word":2345,"sentiment":"positive","sentiment_score":0.337594211101532},{"text":"So I gotta find that out Yeah. Just a bit of an indication of what it's looking like because, again, I would be curious too with the extra funds left over what that needs to be set aside for and whether it would be 50,000, a 100,000, or first. how much is gonna come out to you in terms of an official income. Yep. Yeah. Okay. Yeah. Because, It obviously gives us plenty of time, though. We've still got a few months until the end of financial year, so heaps of time to work it out. That's all. yep. Okay. Cool. Sorry. What were you saying? Oh, no. I was just gonna say because, yeah, like, I've done up my own little budget, I guess, from when I pay off my debt, and then I was just gonna start saving, like, the my 10% bath, my 12%. I was just kind of adding up to super and then a percentage for tax. So I was kind of trying to work out roughly how much I would need to put aside anyway per week with those expenses. Yeah. But then, obviously yeah. Like, I've gotta live so I've just gotta work out, like, all my normal bills and all that sort of stuff. But, obviously, I wanna, like, benefit myself as much as I can, obviously, with, like, tax benefits and things like that. So I just yeah. Yeah. It's all a bit confusing. And that's why, like, it's going to be initially, but it's Yep. that's very normal. Like, the first three to five years is a little bit of, like, settling into how to run these things and what to keep an eye on. Like I was saying, once you've figured out all those different things to pay, I think the safest thing for you would just be to spend that, you know, March, April, May, the next three months just trying to settle into that and make Okay. sure, you know, what you've got to set aside. And then if you're sitting there saying, oh, in the business account or the trust account, there's all of this cash sitting there. Okay. What do I do with it? I need to put this into the tax. I'll put this much into super. So we'll leave it to, like, a a during discussion to try and find out what to do because I don't wanna jump the gun and say do x when you've got three or four other things that have to be considered as well. Yep. Yep. Okay. No. That makes sense. But, again, that'll come into routine. And then before you know it, you're doing your quarterly VAT statements and your bookkeeping and your tax returns and everything starts to paint a clearer picture. And Mhmm. then that gives you almost less options in a good way where it's like now you know all the things you have to make sure are ticked, and it leaves you less left over with a question mark around it. Whereas Yep. Yep. Yeah. at the Literally. moment, it could be hundreds of thousands sitting there, and you're like, I don't know. I'm just like, like, I don't know how this works. Yep. You did have a question as well around, like, self managed super funds, I'm assuming, to, like, purchase property and sell them. Was that also something you were Yeah. Yeah. That was something that my accountant had kinda said because I've I think I've got about $232.40 sitting in my super thinking? at the moment. Yep. So we kind of mentioned here, like, once you hit around the $2.50 ish mark, then potentially you could set that up so you can, yeah, buy an investment property out of it. So I just wasn't sure how that all works. Yeah. So I won't overwhelm you with too much information because it's not relevant right now. But Yep. when you when you hit that sort Mhmm. of two fifty mark, depending Mhmm. on, like, your contributions going to super because think of it this way. Your super fund, its serviceability for a loan, its income is essentially your contributions. Okay. Yep. So if you go to borrow money to get an investment property, they go, how much capital have you got, which is your super, and how much is your serviceability and income, which is the rent versus your contributions rather than Mhmm. your wages. And so they take that into account for the lending side. In terms Right. of actually doing it, you need to actually create a trust fund, which is the super fund, Yep. possibly a company, which is a trustee. And then to get the loan, you have to set up a bear trust and a bear company to actually hold the loan itself. So there's four entities that we create through your accountant. Yep. And then the advisers, we would essentially set up the bank account and the investment account to move the money into to buy the property and invest Mhmm. Okay. the funds. Yep. So it's quite an involved process, a little bit of Yep. cost for setup and so on. Yep. Would you be going into it with anybody else, or is it mainly just your your own super, your own contributions? No. Just me. Yeah. So based on once we settle into the income group side of things and get some contributions rolling, this might Mhmm. be like a next year question once you're above that Yep. two fifty because it's easier when you're like a a couple, and that couple Yep. has two sets of contributions, which is like double the income, so to speak, Oh, okay. Yep. just to actually get a loan in this day and age given the property market at the moment. Yep. Crazy. Yeah. That's why I was kind of thinking of, like, how can I try and get into the property market with what I have, I guess? Yeah. And then, you know, like, eventually, I'd like to buy my own place as well. But how long roughly do you have to have, like, your company for and whatnot before banks would even look at you for, like, just a normal loan? Depends on, like, structure and consistency. So sometimes they like to see a good two or three years Yep. of, like, consistent income. However, if you're like these guys I was talking about where they're getting these invoices from one source and it's a very consistent same income, but now all of a sudden they have a company with the exact same income, it's almost like a continuation. Yep. So that Yep. can kind of bridge it a little bit. So, yeah, somewhere between the one to three year mark, I wouldn't try and do it in less than twelve months because they won't have much to go off. Yep. Yeah. No. That's okay. I think I was probably looking towards middle to end of next year anyway just to get some proper savings and just also figure out, yeah, how this is all set up. Because with my work, like, I started PM in June. So at the end, we're in delivery at the moment. And then at the end of the project, which will be September, they have advised that all my agent has kind of advised that's when I can start to negotiate my wages based on my market. Right? Because I will have, like, a over a year experience and, like, fully deliver the project by then. So Yeah. That'll be a I big thing too. yeah. So I'd imagine, like because at the moment, I'm just kind of getting paid at more of a junior. But, yeah, my agent was like, there's lots of room for negotiation once you have that experience. So under your belt. So I'd imagine my salary would change a fair bit by the end of the year. Yeah.","start_word":2346,"end_word":3681,"sentiment":"neutral","sentiment_score":0.05718188937948626},{"text":"Absolutely.","start_word":3682,"end_word":3682,"sentiment":"positive","sentiment_score":0.4270796775817871},{"text":"So there's so much going on, Kirsty, that it's Yep. part of our job is just to help you kind of break it down into one bit at a time. And Yep. I can kind of picture it now as you just kind of settle into this groove now with the taxes and the accounting side. We'll Yep. get a little bit of super contributions rolling after that. Your income's gonna change. We wanna build up your cash towards building a buying a home. Yep. We can revisit whether we invest your super in a direct property next year sometime.","start_word":3683,"end_word":3782,"sentiment":"neutral","sentiment_score":0.26237642765045166},{"text":"For now, we'll just keep it growing nice Mhmm. and steadily Yep.","start_word":3783,"end_word":3794,"sentiment":"positive","sentiment_score":0.3539900779724121},{"text":"and just, again, build those little trunks and habits. Like, we use a lot of tree analogies here just to build the roots and the foundation. And Yep. then as it becomes time when it's appropriate, we're gonna branch out into a few different things. So you've got a lot to do in the next three to five years, but plenty for the next three months at least. Yeah. Yep.","start_word":3795,"end_word":3864,"sentiment":"neutral","sentiment_score":0.1694939136505127},{"text":"Cool. Okay. That that's all very exciting.","start_word":3865,"end_word":3871,"sentiment":"positive","sentiment_score":0.57246333360672},{"text":"I've put a few notes Yep. on the account just so we know what's going on with you. And when we do that next review, I'm gonna be very careful in terms of, like, your income changes and so on. So Mhmm.","start_word":3872,"end_word":3913,"sentiment":"neutral","sentiment_score":0.16918618977069855},{"text":"do appreciate Yep. you at least letting us know all of this is happening. Thank you for that.","start_word":3914,"end_word":3931,"sentiment":"positive","sentiment_score":0.5032268166542053},{"text":"Sorry. Yep. Sorry. You're good. I was just gonna ask you if you had any sort of questions or anything that I haven't covered so far. No. That kinda makes sense based on what, like, I was wondering. I think yeah. I just didn't know because I guess, like, if you guys like, I've you're just managing my, yeah, super at the moment. Probably, I do have just a question on that because, obviously, like, I'm not contributing anything at the moment. I did notice, I don't know, a couple of months ago, there was an investment transaction, actually. So maybe something was still happening in the background. But do you guys do I need to, like, help the super company, like, that I'm not contributing or at the moment, or do I need to do anything there? Or That's a great question. And it's one of those things where I apologize I didn't mention it as well, is yep. at the moment, there's no contributions going in. Like, I've already kind of flagged it in our system because your last contribution Yes. was in November 2025. We put a little bit of a twelve month flagging on client accounts internally where we say, okay. If no contributions are going in for twelve months, obviously, there's a reason for that because you're going into this business side of things. Yep. We need to make sure that in terms of super growing, usually, you're super when it's in that kind of growth high growth space that yours is. It can Yep. still grow. That's okay, but fees will also have an impact. Yeah. So twelve months is not normally too big of an issue in the grand scheme of life and investments and retirement. But if this was something that continued on for three, four, five years, we would have to be questioning whether we could even do anything for you as well. So on one side, if we're going to roll in and do again, your business is growing and we're doing contributions and we're doing investments and there's things that we can add value for, that's Mhmm.","start_word":3932,"end_word":4289,"sentiment":"neutral","sentiment_score":-0.029964047229156812},{"text":"fantastic.","start_word":4290,"end_word":4290,"sentiment":"positive","sentiment_score":0.6430634260177612},{"text":"We've got Yep. some people who become like an ABN sole trader tradesman, and Mhmm. we just can't just we can't do anything. Can't Yep. make any changes.","start_word":4291,"end_word":4318,"sentiment":"neutral","sentiment_score":-0.0042557427659630775},{"text":"Fees are making a negative impact, so we are not no longer a positive impact on the super, if that makes sense.","start_word":4319,"end_word":4340,"sentiment":"negative","sentiment_score":-0.49925297498703},{"text":"Yep. Yep. That So makes your sense. account basically stays okay. Mhmm. Normally, if you go, like, eighteen months fully in like, inactive, super accounts can generally go inactive. If it's your only fund, it's usually okay. But if you had multiple funds, they can close them down, cancel attached insurances. There's things just to watch out for. That's all. Okay. No. That's okay.","start_word":4341,"end_word":4404,"sentiment":"neutral","sentiment_score":-0.11513925343751907},{"text":"I would yeah. I definitely wanna start contributing at some point, a plan ish.","start_word":4405,"end_word":4418,"sentiment":"positive","sentiment_score":0.5214961767196655},{"text":"Like, as you said, like, I'll work out maybe, like, the lump sum kind of at the end of the year might be better. But, yeah, I'll I can I'll have a chat to my accountant first, figure out, like, a yeah. That salary, and then and so once I do kind of figure that out, then I'll just tell you guys, like, what I'm planning on doing? Or Yeah. So what we would do, if you can call us back, that'd be good. I'm already gonna set up a contact point for someone to give you a call at least in May just to check-in. Okay. And Yep. what we would do from there is we'll give you some BPA or EFT details so you can make the contribution. We'll Mhmm. pre fill in the forms to claim it as a tax deduction, get Yep. you to sign that, process it through your Superfund, which is Hub, and then Mhmm. we'll give that to you once you get your confirmation letter to give to your accountant when you do Mhmm. your tax return. Okay. How does that work with the with the tax deduction? So does that mean, like, to say, yeah, I contribute 30,000 as an example, Yep. then I can claim that back as an expense against my company? Or Similar. Similar. So let's say that your company generated, for argument's sake, a $120,000, and it was mhmm. gonna pay tax on that. So a 100,000 comes out to you in wages and you pay income tax on that. Mhmm. The 20,000 that's left over is about to be taxed. So by putting it into super, you're putting it in at a concessional rate of 15% Mhmm. because you're allowed to do that up to 30,000 and so on, and then Yep. you're not being taxed at 32, 37, or above. Okay. Yep. Yep. So what actually happens is because super is taxed at 15%, give you an example, you put $20 into your super. We submit that form to claim it. They'll take Mhmm. 15% out of that and give it to the tax office and tell the tax office this is a concessional contribution. Then when you come to do your tax return, your income for tax purposes is dropped 20,000, Right. Okay. Yep. That and then makes you sense. pay tax on the leftover. Gotcha. Yeah. I think that's what they were showing me actually, the concessional thing that you can claim so much. And is there something like you can be backdated for many financial years or something? I think that was showing me something. Yeah. Absolutely. Five years. Not that you would want to put in $150,000 in one go this financial year, but you can actually use up anything that you haven't used going backwards five years. Yep. Okay. Yeah. Just be careful, though, because it's very tempting for people to say, just chuck your money into super because it's a tax deduction, which is great, but then you're kind of locking it away until Yep. six year above.","start_word":4419,"end_word":4936,"sentiment":"neutral","sentiment_score":0.06658639765657398},{"text":"So just doing it for a tax deduction is not kind of the right idea.","start_word":4937,"end_word":4951,"sentiment":"negative","sentiment_score":-0.5194021463394165},{"text":"Yep. I prefer putting in enough to get the super moving to where it needs to go, but if there's usage for the money personally, make sure you take that into account as well before you lock it away. Yep. Okay. No. That makes sense. And, Yeah. yeah, Especially definitely, if you like wanna get a property. yeah. I was gonna say, like, I would prefer to save that money for a property Yeah. Me for too. sure. Yeah. Okay.","start_word":4952,"end_word":5031,"sentiment":"neutral","sentiment_score":0.06270477906800806},{"text":"Cool.","start_word":5032,"end_word":5032,"sentiment":"positive","sentiment_score":0.48884621262550354},{"text":"Alright. No worries. Well, I'll work on that first of all. And then, Yep. yeah, I'll touch base once I've figured that out.","start_word":5033,"end_word":5055,"sentiment":"neutral","sentiment_score":0.189550518989563},{"text":"Awesome.","start_word":5056,"end_word":5056,"sentiment":"positive","sentiment_score":0.7180900573730469},{"text":"And what I'll have to do at that point too, Kirsty, is once we figure out the income and super side of things, I will just update a few more details on your file just because I've got your company noted down in the estimates. But if Mhmm. there are, again, changes to your duties and things like that, I'll go a bit more in-depth in the next conversation. Yep. Okay.","start_word":5057,"end_word":5127,"sentiment":"neutral","sentiment_score":0.11298894137144087},{"text":"Cool.","start_word":5128,"end_word":5128,"sentiment":"positive","sentiment_score":0.3696227967739105},{"text":"Beauty. I also found it's KJO Consulting Proprietary Limited. KJO Consulting. Yep. I'm hoping there's not too many of those around the country. Yeah. KJO Yep. Consulting. I'm hoping there is a Facebook page, which is cool. I'm hoping that's yours. No. No. There's a few of those around the world. Okay. No. I've got nothing kinda linked to it. I should have my APM tomorrow if you need that. Actually, if you do have the the ABN, that'd be fantastic, or ACN. Yep. Two seconds. I should be able to get it. Yeah. I got both. The I ACN would love to note those down. yep. So ACN is 6910039077, Six nine one zero three nine zero, double seven. and the ABN is 24315008263. Cool. So I'll just read that back to you. 24315008263. Yep.","start_word":5129,"end_word":5264,"sentiment":"neutral","sentiment_score":0.08116220682859421},{"text":"Perfect. Thank you for that. Really appreciate you having that on hand. Alright. Awesome.","start_word":5265,"end_word":5278,"sentiment":"positive","sentiment_score":0.5743055939674377},{"text":"So I'll add this all into the file. There'll be some notes there for the your usual adviser as well. I will still just put a contact point in for May just in case if we don't hear from you. But, otherwise, once you've had a chat to the accountants, maybe just let them know that we spoke about doing the 12% versus the lump sum and Yep. which way we're kind of leaning. And then, yeah, just see what happens with the income side, and I can kind of take it from there. Okay.","start_word":5279,"end_word":5373,"sentiment":"neutral","sentiment_score":0.10137349469097036},{"text":"Cool. Alrighty. Awesome. Perfect. Thank you Anything so else I can help with?","start_word":5374,"end_word":5386,"sentiment":"positive","sentiment_score":0.6422983407974243},{"text":"no. That's all for now.","start_word":5387,"end_word":5391,"sentiment":"neutral","sentiment_score":0.2253730595111847},{"text":"Fantastic. Well, thank you for taking the time today. Have a lovely day, and I hope to hear from you soon. Okay. Thank you so much. Bye. Thank you, Cassie. Bye.","start_word":5392,"end_word":5422,"sentiment":"positive","sentiment_score":0.7025271058082581}],"average":{"sentiment":"neutral","sentiment_score":0.06244059935543534}}}}