Phase 4 · Cash

Cash position

Live cash across every account in the group plus your personal accounts. BHP fortnightly salary alongside business inflows and intra-group movements.

Total active cash

$61,432

Personal + group

Personal

$30,662

Across 2 accounts

Group

$30,770

Across 2 active entities

Next BHP pay

11d

$4,830 · 9 May

Per-entity cash position

2 entities

Web Dev Pty Ltd
1 account · NAB
$18,290
59% of group cash
Aus Action Sports Pty Ltd
1 account · NAB
$12,480
41% of group cash

Accounts

Connect bank

Personal

Dan · Everyday
CommBank · 065-000 · ····4218
$8,512
Active
Dan · Build Fund
CommBank · 065-000 · ····8870
$22,150
Active
Earmarked: ESIC ($7k), Unspoken Union insurance ($5k), buffer ($10k).

Group

Aus Action Sports · Trading
NAB · 082-356 · ····1042 · Aus Action Sports Pty Ltd
$12,480
Active
Currently in Dan's name pending Pty Ltd migration (per Strategy transition flag).
Web Dev · Operating
NAB · 082-356 · ····5571 · Web Dev Pty Ltd
$18,290
Active
Family Trust · Operating
ANZ · 012-040 · ····0033 · Family Trust
$0
Pending
Active once HoldCo incorporates and trust distributions begin flowing.
HoldCo · Operating
TBD · HoldCo Pty Ltd
$0
Pending
Opens at HoldCo incorporation.

Accounting + budget advisor

All accounts

Mock

Cash position is healthy: BHP salary anchors $170k stable inflow, Aus Action Sports throws off ~$80k FY profit, group surplus runs ~$12.5k/month. Three drains worth tightening, two near-term opportunities, one personal-interest multi-purpose play.

Drains

Adobe + Figma + Notion + Linear stacked across entities

~$380/mo

Web Dev pays Adobe Creative Cloud and Figma; HELM and Oyra both pay separate Notion + Linear seats. Same tooling, three invoices.

Fix: Consolidate Notion + Linear under Web Dev as a services-fee passthrough to OpCos. Saves ~$380/mo and tightens the per-entity ledger.

Personal vs Aus Action Sports vehicle expenses untracked

~$420/mo

Fuel + servicing on the work ute hits the personal Westpac transaction account, but ~70% of trips are to events run under Aus Action Sports.

Fix: Set up a vehicle log app for 12 weeks (ATO method), then claim the business-use percentage as a reimbursement from Aus Action Sports. Backdate FY25/26 with the log.

Patent maintenance not yet provisioned

~$250/mo

Opportunities

Direct $1.5k/mo into Oyra as ESIC pre-raise capital

ESIC investor window closes 2026-05-12. Personal contributions before then qualify for the 20% offset + 10-year CGT exemption. The Family Trust can route through HoldCo.

Impact: $3.6k income tax offset on $18k contributed; CGT exemption on growth of those shares.

Formalise Web Dev → Aus Action Sports services agreement

Web Dev currently runs ausactionsports.com.au informally. A documented services agreement at arm's-length margin (cost +15%) would justify the ~$1k/mo charge that's currently sitting in 'admin'.

Impact: Cleaner P&L on both sides; transfer-pricing audit-defence; no out-of-pocket cost.

Multi-purpose ideas

Action sports gear purchases as marketing assets for Aus Action Sports + Unspoken Union

Bikes, climbing gear, and event entries Daniel uses personally also serve as content + credibility for the action sports brands. Owned by the relevant OpCo, used by Daniel as the face of the brand, content rights revert to the OpCo.

Aus Action SportsUnspoken Union

Personal alignment: Action sports is one of Daniel's deepest interests. Documented use creates content (Instagram, YouTube) for the brand. Discuss with accountant: capital vs revenue treatment depending on item.

AI tooling subscriptions split between Oyra, HELM, and personal research

Anthropic API, GPU credits, model-evaluation tools — used across Oyra (the AI movie platform), HELM (this tool), and Daniel's own AI patent research. License under Web Dev with a usage-based recharge.

Web DevOyra

Accounting + budget advisor

Reading your transactions…

Working

Forecast

90-day projection

Now: $61k+90d: $71kLowest: $59k on 8 May

External in External out BHP pay Intra-group 50% band

Planned activities in window (2)

30 June · FY25/26 distribution resolutionintra-group
15 July · Initial capital at HoldCo incorporationintra-group

Projection assumes BHP fortnightly pay continues, daily outflow extrapolated from the last 21 days, and planned activities are sign-classified as intra-group (net-zero on consolidated cash) or external (impacts the line). Phase 4 wires real recurring detection.

Recent transactions

Rules Subscriptions Close advisor

14 of 14

BHP fortnightly salary
Dan · Everyday · BHP — Emergency Services
+$4,830
25 Apr
Transfer to Build Fund
Dan · Everyday · Dan · Build Fund
−$1,850
25 Apr
From Everyday
Dan · Build Fund · Dan · Everyday
+$1,850
25 Apr
Rent — fortnightly
Dan · Everyday · Landlord
−$920
23 Apr
Skate clinic — group booking
Aus Action Sports · Trading · Adelaide Skate Club
+$1,450
22 Apr
Project invoice — Q1 milestone
Web Dev · Operating · Helix Studios
+$4,200
21 Apr
Groceries · Coles
Dan · Everyday
−$285
19 Apr
Insurance — quarterly premium
Aus Action Sports · Trading · Allianz
−$380
18 Apr
BAS — Q3 GST liability
Web Dev · Operating · ATO
−$1,100
15 Apr
Fuel · Ampol
Dan · Everyday
−$110
14 Apr
BHP fortnightly salary
Dan · Everyday · BHP — Emergency Services
+$4,830
11 Apr
Equipment hire — weekend
Aus Action Sports · Trading · Various
+$880
10 Apr
Project invoice — Q1 final
Web Dev · Operating · Helix Studios
+$6,800
8 Apr
Patent renewal · AI Training Model
Dan · Build Fund · IP Australia
−$350
5 Apr

Coming in Phase 4

Live wiring via Basiq (Australian CDR-native bank feeds): real-time balances, automatic transaction categorisation, intra-group transfer detection, projected balance under earmarked commitments, surplus-vs-shortfall alerts feeding back into the Strategic Bridge.