Phase 4 · Cash
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
1 account · NAB
$18,290
59% of group cash
1 account · NAB
$12,480
41% of group cash
Connect via Basiq
Holstead uses Basiq's CDR-accredited connection. Read-only access — your credentials never touch Holstead.
Read-only · accredited under the Consumer Data Right (CDR)
Accounting + budget advisor
Forecast
Planned activities in window (2)
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.
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.
Accounting + budget advisor
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.
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.
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.
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.
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.
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.
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.
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.
AI Training Model AU/US plus Consciousness Test pending — no monthly accrual into IP HoldCo for upcoming maintenance windows.
Fix: Set up a $250/mo automatic transfer from HoldCo distributions to IP HoldCo earmarked 'patent maintenance reserve'.
Personal alignment: Daniel's two granted/pending patents make AI research a core business activity, not just hobby — strengthens the deductibility case.