{"metadata":{"transaction_key":"deprecated","request_id":"bf62f43b-3e3a-4ba6-8bab-08ab19e2b912","sha256":"ee99c56149843ac0d8a72623b8e1a92c2731f70a5fce3d1be5f74d0e62064d60","created":"2026-03-19T01:54:19.728Z","duration":1228.32,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4657,"output_tokens":171},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5234,"output_tokens":5245},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5234,"output_tokens":336}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Jared. It's Carl calling from Oakview Financial. How are you? Not too bad at all. Thanks. IG, you're scheduling for your six month follow-up. Is now still a good time for you? Perfect. Just to jump into that one today, Lejrat, if I could pass through security with that name, date of birth, and Kronos, we can get started on that one. Yeah. Let me let me just do a check that. Yeah. And your your your current address as well there. Sorry, Joe. Perfect. Thank you for that. And then with your your birthday there, you said the December 1, was it? 1970 '7? Oh, seven. Yeah. Okay. Perfect. I just misheard you wrong. Sorry. I was just doing a double quick double take, but that just was the the crackle over the phone, so my apologies. So the reason why I called you out, obviously, it's can't be at your six months review there. I know the last time we spoke during your annual review, we did sort of have a discussion around Benelung, how it was performing, and that it was sort of underperforming at the time. Now in regards to that specific asset, it has continued to underperform, which overall hasn't impacted your portfolio a whole heap because it is more of a satellite investment. Your portfolio is still, like, tracking quite well. As far as, like, a twelve month performance still from, like, today's date, it's still sitting after fees around 9.13% in terms of a return, but Benelon itself is down about 19% given not only the market conditions with what's happening, you know, with the war in Iran and politically and things like that as well, but they had an underlying asset that wasn't reporting correctly, and as a result, Bennelong had to reevaluate that stock, which caused it to go down a bit further. Now the options with that one there, Jared, is the investment committee has decided to move away from Bennelong entirely, and they don't really have conviction in it long term as well. Given that your portfolio is tracking quite well, there is the option just to remove that investment and replace it with the investment committee's replacement of the a 200, which is the Australian top 200 companies index. Now that mean it wouldn't be a fund. You'd be moving away from that and be more of an index approach, but it's a cheaper option. Its performance is tracked a bit better with not having that manager risk and just tracking what the Australian market's doing in general, or we can look to review the whole entire portfolio and do a bit of an update there for you, which will take a bit longer. Yeah. Completely understand. As I said, it will take a little bit longer. Like, you have been on board since the 2022 mark, and since you came on board, like, it's been tracking quite well. Obviously, that one investment hasn't obviously tracked too well, but I'll get you your since inception performance. Just bear with me. Sorry. So since you came on board, your rate of return on average has been around 7.92% each year, like, in terms of, like, the the ups after fees, which is in line with your your portfolio. So it has still sort of met those expectations as the portfolio, but more than happy to review it as a whole. Now with that one there, Jared, given that we are reviewing everything, are you happy, like, maintaining a level of active management within that portfolio? Did you wanna look to be a bit more of a cheaper, more passive with everything that is going on in the world to not have that manager risk? Or Yeah. Because that that is an option just to review that as a whole and just not having those active managers moving forward. Obviously, the other fund you did have that was actively managed within that did perform quite well. But given, you know, the other fund that was actively managed performed quite poorly, it kind of balances out in terms of, like, having that active management. Now over the the short term periods of times and things like that, they can have the ability to outperform those markets, especially when there are gaps with everything going on, but it is very easy to also pick the wrong winners like much like what Benelon and occurred with that one and go the other way. So more than happy to look at a more passive update there for you to illustrate, you know, moving forward and just having those cheaper index investment that try to track those markets moving forward for you, if that's what you'd like. Yep. Obviously, you'll have a chance to review it as well. But yeah. And what was that further? Yeah. So Yeah. And in saying that even with everything that has occurred, like, obviously, your portfolio has taken a bit of a dip sort of the past few months with what happened in the war, but still over that period of time, it's still, like, tracking quite nicely in terms of, like, its returns. Obviously, it could have been a bit higher if this didn't occur. The main concern was that Benelong investment, but more than happy to review it entire. Okay. Yep. And not a problem. Okay. Yeah. So, like, as I said, like, on average, just, like, since in inception, it's close to that 8% on average. And then over a twelve month period, it's still up, like, 9.13% even though for the past, like, it's probably getting closer to, you know, the the four month mark of, like, performance. It's been quite stagnant in terms of what has occurred because there's been a bit of up and a bit of a down, and then there was the war as well. But it is still tracking sort of on par with what the market themselves are doing. It's not just to say that you're the only one that's sorta, like, stagnant in those times with what everything that is going on. I can send let me just confirm your client details there. Because do you remember your password and everything as well there, Jared? Because I can just send you a password reset there. And then with that one, I believe it will go to your email, which will be jared wesley at rocket mail dot com. Is that still the most up to okay. And do you have access to that old one? Yeah. Yeah. Correct. I can do it you have access to the old email or to the new Okay. You say you can get into it. Sorry? Okay. Yeah. So we can do a change of details form, and I can get your email address updated. Now what would be your new email address there, Joe? No dots or anything like that? Yep. Yep. Yep. Yep. So my yahoo is in m y y a h, double o, dot com. And there's no dot between the my and the yahoo? Not a problem. I'll get them organized that to get that change of details. Because as you said, just for security purposes and that they do use your email. And then from there, we can send out a password reset for you. The only way you could probably get in earlier is if you maybe sort of contacted Hub Hub twenty four directly. Okay. Because we'll have to yeah. Okay. Because we'll have to send the change of details form once that's completed for you. Do you have access to a printer as well? Sorry. Printer. Perfect. Because we can email you that form. And then once that's completed, you send that back. We can get that updated with Hub there. And then from there, you can utilize that, but we'll do a password reset, and then they'll be able to sort of reset that email for you as well. Perfect. Now as far as your details and everything is concerned, just because we are going to advise now with that update there, Jared, and just doing a a refresh of it, have anything changed in regards, like, your goals, your occupation, liabilities, anything like that? Same job, same income, everything largely unchanged. Even with the the figures with your debt and everything like that, largely unchanged. Still around 160 on the mortgage and 100 in the offset. Yep. Any change in your savings much at all? So a 100 in the offset and $1.50 on the home And do you have your separate daily spending account still as well? And how much do you have on that one roughly at the moment? Yep. Perfect. Now in regards to anything else, sir, because obviously, you do have your insurance cover there as well. Jared, are you still happy with those benefits amounts? Did you wanna review that at all at the moment? Your insurances or anything like that, Did you wanna review that as well? Yeah. Because obvious yes. You've got the life, the total parent disability, and the income protection cover there as well. Now with that one, I can send you a copy just via email of your your COC so you can have a look at that one if you'd like. But with that so currently, they're sorry. I'll just bring it up in front of me there. Bear with me. Yep. So you've got around one point well, $1,164,870 worth of life and same for the total parent disability, and your income protection amount is around the $6,361 a monthly benefit if anything was happened. And then it's a ninety day waiting period and a two year benefit period for that one. So in regards to level of debt you hold, you probably could look at reducing the life and t p the amount if you're happy still holding that. As long as you're aware of the cost being around that $4,750 before the 15% rebate and yeah. The other thing is just to be mindful too. It's like if you are sort of you know, your income contributed to the household, being that you do have younger children, having a bit more income replacement isn't a bad thing as well. But we can look at risk of reduction amounts for that if you'd like just to sort of what that might look like. Yeah. Not a problem. And I'll just bring up your risk profile and just confirm that one there for you. Obviously, you know, it hasn't been too long, but I'd just like to confirm everything. So you did come out as a growth investor, and you're about that you're invested in the growth portfolio now about that 8020 split. Are you still comfortable with that of having those growth defensive assets given your time to retire and everything? Yep. Do you have any questions regarding your risk profile or anything like that? Yep. Not a problem. Yep. Did you want me to sort of get this stuff sorted and then have another conversation with you? Are you happy for us to start this process now, or do you want me to do the the change of detail stuff and yep. That's not a problem. I'll following this call, I'll email you a copy of your certificate of currency. And then from there, I'll get a colleague of mine to organize that change of details there for you. And then from there, we'll do some research on your investment and then also in regards to reduction in your insurances as well just to show you what that looks like. And if anything wants to happen, like, how many years do you reckon you'd wanna sort of replace your income for at the moment? Like, do you reckon sort of seven and seven to a year, ten years, given the sort of kids' ages? Or Yeah. There's a certain degree of taxes that are associated with, like, total disability payments and drawing those out. Same with, like, when the payments for income protection. As far as, like, the life policy, people can receive, like, majority of those funds tax free if they're, like, dependents and spouses and things like that. But that doesn't really affect you because you you wouldn't be around anyway, if that makes sense. Yeah. Yeah. Exactly. Yep. Not not a problem at all there, Jade. Is there anything else you wanted to address in regards to your advice at the moment? Yep. Not a problem. I'll as I said, I'll get the the team on to that today. Hopefully, they can get those forms sorted for you. And then if you have any questions after that, once the form's complete and we submit it to Hub, we can look at doing a password reset for you to be able to get in and have a a look around. Not a problem, Jared. If you don't have any other concerns, we'll limit it purely to sort of just doing the the reduction there for your insurance is just reviewing that, making sure, you know, it's in line with what your needs are currently and then having a look at the investment update as well. And you're happy largely with Top 24. You don't have any concerns with the platform itself from, like, when you were able to get into it? No. I think. Yeah. The January took a bit of a drop there and that was mainly because of Trump and his tariff talk. Since then, it did recover from that quite nicely. And then sort of the back October, November sort of thing, there was the issue with that Benelung underlying asset and then also the conflict overseas as well with the wars, which has caused it to stagnate a little bit. But it's still very much up over the period that you've been on board, so it's still tracking quite nicely over overall for the time you have been invested there. Yeah. We'll limit it to to those things there, and we'll chuck in a little bit about your estate planning matters and getting your beneficiaries and things like that. Making sure up to date. I know you've got Linda there at the moment, so we'll look to maintain those. And then just a reminder to, you know, set up things like wills and power of attorneys and things like that as well for you. No problem, Jared. If you don't have anything else for me, do you have any further questions before I let you go? So power of attorney is just like, it can be your spouse. It's just like using conjunction with wills and things like that where if you're incapacitated in any way, that that person can take on the power of attorney to be able to make decisions for you. So, you know, if you are seriously injured, things like that, it can sort of mean that your, you know, spouse or whoever you sort of elect to can make financial and sort of health related decisions for you as well. And you can even put, like, health care directive. Yeah. And this is a bit of a power that, you know, with things when you get caught involved till, you know, get sort of ability to make financial decisions and things like that people, it can get quite costly. Whereas the power of attorney sort of eliminates that that need if something like that was to occur. So a bit of just a risk mitigation tool. Not a problem at all, Jared. Well, we'll get a start on that. I'll get those forms sorta sorta hopefully gets to you by the end of the week there, and you can get on that. Just make sure that the email address change is correct before, like, signing and sending it back, if that's right. Oh, yeah. Not a problem. I'll do that now. I'll even oh, actually, I won't check your ZIP code, so just to make sure it is the correct email. Bear with me. Yep. So that should be with you there shortly, and you can just let me know if it does come through. Yeah. Yeah. Something should sort of pop up there if it did go to the right email. Just an email that said test and hide, Jared. No. It hasn't bounced back. It did come through? Brilliant. Well, I'll send you that secret of currency there for you just to be able to have a look at those insurances there. And feel free to respond to that if you have any questions, concerns, or any sort of amount specifically that you want. Otherwise, we'll sort of base it on some some income replacement, your level of debt, and then offset of your super. Given that the kids are a bit a bit younger and your income is a bit higher, there we can sort of look it might not change a whole heap, but then also, you know, as the kids get older and that, we can look at reducing that a bit more and stuff like that. Because, obviously, if something were to occur, we're not earning an income. It's just nice that there is that protection that, you know, Linda wouldn't have to fund, you know, the kids' education and things like that by by herself. Perfect. Not a problem, Joe. We will get a start on that, and you enjoy the rest of your day. Thanks for your time. No problem. Thanks. 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afternoon, Jared. It's Carl calling from Oakview Financial. How are you? Not too bad at all. Thanks.\n\nIG, you're scheduling for your six month follow-up. Is now still a good time for you? Perfect. Just to jump into that one today, Lejrat, if I could pass through security with that name, date of birth, and Kronos, we can get started on that one. Yeah.\n\nLet me let me just do a check that. Yeah. And your your your current address as well there. Sorry, Joe. Perfect.\n\nThank you for that. And then with your your birthday there, you said the December 1, was it? 1970 '7? Oh, seven. Yeah.\n\nOkay. Perfect. I just misheard you wrong. Sorry. I was just doing a double quick double take, but that just was the the crackle over the phone, so my apologies.\n\nSo the reason why I called you out, obviously, it's can't be at your six months review there. I know the last time we spoke during your annual review, we did sort of have a discussion around Benelung, how it was performing, and that it was sort of underperforming at the time. Now in regards to that specific asset, it has continued to underperform, which overall hasn't impacted your portfolio a whole heap because it is more of a satellite investment. Your portfolio is still, like, tracking quite well. As far as, like, a twelve month performance still from, like, today's date, it's still sitting after fees around 9.13% in terms of a return, but Benelon itself is down about 19% given not only the market conditions with what's happening, you know, with the war in Iran and politically and things like that as well, but they had an underlying asset that wasn't reporting correctly, and as a result, Bennelong had to reevaluate that stock, which caused it to go down a bit further.\n\nNow the options with that one there, Jared, is the investment committee has decided to move away from Bennelong entirely, and they don't really have conviction in it long term as well. Given that your portfolio is tracking quite well, there is the option just to remove that investment and replace it with the investment committee's replacement of the a 200, which is the Australian top 200 companies index. Now that mean it wouldn't be a fund. You'd be moving away from that and be more of an index approach, but it's a cheaper option. Its performance is tracked a bit better with not having that manager risk and just tracking what the Australian market's doing in general, or we can look to review the whole entire portfolio and do a bit of an update there for you, which will take a bit longer.\n\nYeah. Completely understand. As I said, it will take a little bit longer. Like, you have been on board since the 2022 mark, and since you came on board, like, it's been tracking quite well. Obviously, that one investment hasn't obviously tracked too well, but I'll get you your since inception performance.\n\nJust bear with me. Sorry. So since you came on board, your rate of return on average has been around 7.92% each year, like, in terms of, like, the the ups after fees, which is in line with your your portfolio. So it has still sort of met those expectations as the portfolio, but more than happy to review it as a whole. Now with that one there, Jared, given that we are reviewing everything, are you happy, like, maintaining a level of active management within that portfolio?\n\nDid you wanna look to be a bit more of a cheaper, more passive with everything that is going on in the world to not have that manager risk? Or Yeah. Because that that is an option just to review that as a whole and just not having those active managers moving forward. Obviously, the other fund you did have that was actively managed within that did perform quite well. But given, you know, the other fund that was actively managed performed quite poorly, it kind of balances out in terms of, like, having that active management.\n\nNow over the the short term periods of times and things like that, they can have the ability to outperform those markets, especially when there are gaps with everything going on, but it is very easy to also pick the wrong winners like much like what Benelon and occurred with that one and go the other way. So more than happy to look at a more passive update there for you to illustrate, you know, moving forward and just having those cheaper index investment that try to track those markets moving forward for you, if that's what you'd like. Yep. Obviously, you'll have a chance to review it as well. But yeah.\n\nAnd what was that further? Yeah. So Yeah. And in saying that even with everything that has occurred, like, obviously, your portfolio has taken a bit of a dip sort of the past few months with what happened in the war, but still over that period of time, it's still, like, tracking quite nicely in terms of, like, its returns. Obviously, it could have been a bit higher if this didn't occur.\n\nThe main concern was that Benelong investment, but more than happy to review it entire. Okay. Yep. And not a problem. Okay.\n\nYeah. So, like, as I said, like, on average, just, like, since in inception, it's close to that 8% on average. And then over a twelve month period, it's still up, like, 9.13% even though for the past, like, it's probably getting closer to, you know, the the four month mark of, like, performance. It's been quite stagnant in terms of what has occurred because there's been a bit of up and a bit of a down, and then there was the war as well. But it is still tracking sort of on par with what the market themselves are doing.\n\nIt's not just to say that you're the only one that's sorta, like, stagnant in those times with what everything that is going on. I can send let me just confirm your client details there. Because do you remember your password and everything as well there, Jared? Because I can just send you a password reset there. And then with that one, I believe it will go to your email, which will be jared wesley at rocket mail dot com.\n\nIs that still the most up to okay. And do you have access to that old one? Yeah. Yeah. Correct.\n\nI can do it you have access to the old email or to the new Okay. You say you can get into it. Sorry? Okay. Yeah.\n\nSo we can do a change of details form, and I can get your email address updated. Now what would be your new email address there, Joe? No dots or anything like that? Yep. Yep.\n\nYep. Yep. So my yahoo is in m y y a h, double o, dot com. And there's no dot between the my and the yahoo? Not a problem.\n\nI'll get them organized that to get that change of details. Because as you said, just for security purposes and that they do use your email. And then from there, we can send out a password reset for you. The only way you could probably get in earlier is if you maybe sort of contacted Hub Hub twenty four directly. Okay.\n\nBecause we'll have to yeah. Okay. Because we'll have to send the change of details form once that's completed for you. Do you have access to a printer as well? Sorry.\n\nPrinter. Perfect. Because we can email you that form. And then once that's completed, you send that back. We can get that updated with Hub there.\n\nAnd then from there, you can utilize that, but we'll do a password reset, and then they'll be able to sort of reset that email for you as well. Perfect. Now as far as your details and everything is concerned, just because we are going to advise now with that update there, Jared, and just doing a a refresh of it, have anything changed in regards, like, your goals, your occupation, liabilities, anything like that? Same job, same income, everything largely unchanged. Even with the the figures with your debt and everything like that, largely unchanged.\n\nStill around 160 on the mortgage and 100 in the offset. Yep. Any change in your savings much at all? So a 100 in the offset and $1.50 on the home And do you have your separate daily spending account still as well? And how much do you have on that one roughly at the moment?\n\nYep. Perfect. Now in regards to anything else, sir, because obviously, you do have your insurance cover there as well. Jared, are you still happy with those benefits amounts? Did you wanna review that at all at the moment?\n\nYour insurances or anything like that, Did you wanna review that as well? Yeah. Because obvious yes. You've got the life, the total parent disability, and the income protection cover there as well. Now with that one, I can send you a copy just via email of your your COC so you can have a look at that one if you'd like.\n\nBut with that so currently, they're sorry. I'll just bring it up in front of me there. Bear with me. Yep. So you've got around one point well, $1,164,870 worth of life and same for the total parent disability, and your income protection amount is around the $6,361 a monthly benefit if anything was happened.\n\nAnd then it's a ninety day waiting period and a two year benefit period for that one. So in regards to level of debt you hold, you probably could look at reducing the life and t p the amount if you're happy still holding that. As long as you're aware of the cost being around that $4,750 before the 15% rebate and yeah. The other thing is just to be mindful too. It's like if you are sort of you know, your income contributed to the household, being that you do have younger children, having a bit more income replacement isn't a bad thing as well.\n\nBut we can look at risk of reduction amounts for that if you'd like just to sort of what that might look like. Yeah. Not a problem. And I'll just bring up your risk profile and just confirm that one there for you. Obviously, you know, it hasn't been too long, but I'd just like to confirm everything.\n\nSo you did come out as a growth investor, and you're about that you're invested in the growth portfolio now about that 8020 split. Are you still comfortable with that of having those growth defensive assets given your time to retire and everything? Yep. Do you have any questions regarding your risk profile or anything like that? Yep.\n\nNot a problem. Yep. Did you want me to sort of get this stuff sorted and then have another conversation with you? Are you happy for us to start this process now, or do you want me to do the the change of detail stuff and yep. That's not a problem.\n\nI'll following this call, I'll email you a copy of your certificate of currency. And then from there, I'll get a colleague of mine to organize that change of details there for you. And then from there, we'll do some research on your investment and then also in regards to reduction in your insurances as well just to show you what that looks like. And if anything wants to happen, like, how many years do you reckon you'd wanna sort of replace your income for at the moment? Like, do you reckon sort of seven and seven to a year, ten years, given the sort of kids' ages?\n\nOr Yeah. There's a certain degree of taxes that are associated with, like, total disability payments and drawing those out. Same with, like, when the payments for income protection. As far as, like, the life policy, people can receive, like, majority of those funds tax free if they're, like, dependents and spouses and things like that. But that doesn't really affect you because you you wouldn't be around anyway, if that makes sense.\n\nYeah. Yeah. Exactly. Yep. Not not a problem at all there, Jade.\n\nIs there anything else you wanted to address in regards to your advice at the moment? Yep. Not a problem. I'll as I said, I'll get the the team on to that today. Hopefully, they can get those forms sorted for you.\n\nAnd then if you have any questions after that, once the form's complete and we submit it to Hub, we can look at doing a password reset for you to be able to get in and have a a look around. Not a problem, Jared. If you don't have any other concerns, we'll limit it purely to sort of just doing the the reduction there for your insurance is just reviewing that, making sure, you know, it's in line with what your needs are currently and then having a look at the investment update as well. And you're happy largely with Top 24. You don't have any concerns with the platform itself from, like, when you were able to get into it?\n\nNo. I think. Yeah. The January took a bit of a drop there and that was mainly because of Trump and his tariff talk. Since then, it did recover from that quite nicely.\n\nAnd then sort of the back October, November sort of thing, there was the issue with that Benelung underlying asset and then also the conflict overseas as well with the wars, which has caused it to stagnate a little bit. But it's still very much up over the period that you've been on board, so it's still tracking quite nicely over overall for the time you have been invested there. Yeah. We'll limit it to to those things there, and we'll chuck in a little bit about your estate planning matters and getting your beneficiaries and things like that. Making sure up to date.\n\nI know you've got Linda there at the moment, so we'll look to maintain those. And then just a reminder to, you know, set up things like wills and power of attorneys and things like that as well for you. No problem, Jared. If you don't have anything else for me, do you have any further questions before I let you go? So power of attorney is just like, it can be your spouse.\n\nIt's just like using conjunction with wills and things like that where if you're incapacitated in any way, that that person can take on the power of attorney to be able to make decisions for you. So, you know, if you are seriously injured, things like that, it can sort of mean that your, you know, spouse or whoever you sort of elect to can make financial and sort of health related decisions for you as well. And you can even put, like, health care directive. Yeah. And this is a bit of a power that, you know, with things when you get caught involved till, you know, get sort of ability to make financial decisions and things like that people, it can get quite costly.\n\nWhereas the power of attorney sort of eliminates that that need if something like that was to occur. So a bit of just a risk mitigation tool. Not a problem at all, Jared. Well, we'll get a start on that. I'll get those forms sorta sorta hopefully gets to you by the end of the week there, and you can get on that.\n\nJust make sure that the email address change is correct before, like, signing and sending it back, if that's right. Oh, yeah. Not a problem. I'll do that now. I'll even oh, actually, I won't check your ZIP code, so just to make sure it is the correct email.\n\nBear with me. Yep. So that should be with you there shortly, and you can just let me know if it does come through. Yeah. Yeah.\n\nSomething should sort of pop up there if it did go to the right email. Just an email that said test and hide, Jared. No. It hasn't bounced back. It did come through?\n\nBrilliant. Well, I'll send you that secret of currency there for you just to be able to have a look at those insurances there. And feel free to respond to that if you have any questions, concerns, or any sort of amount specifically that you want. Otherwise, we'll sort of base it on some some income replacement, your level of debt, and then offset of your super. Given that the kids are a bit a bit younger and your income is a bit higher, there we can sort of look it might not change a whole heap, but then also, you know, as the kids get older and that, we can look at reducing that a bit more and stuff like that.\n\nBecause, obviously, if something were to occur, we're not earning an income. It's just nice that there is that protection that, you know, Linda wouldn't have to fund, you know, the kids' education and things like that by by herself. Perfect. Not a problem, Joe. We will get a start on that, and you enjoy the rest of your day.\n\nThanks for your time. No problem. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jared.","start":4.0,"end":5.04,"sentiment":"positive","sentiment_score":0.33827634652455646},{"text":"It's Carl calling from Oakview Financial.","start":5.04,"end":6.74,"sentiment":"neutral","sentiment_score":0.2327122688293457},{"text":"How are you?","start":6.7999997,"end":7.54,"sentiment":"neutral","sentiment_score":0.25150224566459656},{"text":"Not too bad at all.","start":9.92,"end":10.8,"sentiment":"positive","sentiment_score":0.34412166476249695},{"text":"Thanks.","start":10.8,"end":11.12,"sentiment":"positive","sentiment_score":0.5761253237724304}],"sentiment":"neutral","sentiment_score":0.30346350206269157,"num_words":18,"start":4.0,"end":11.12},{"sentences":[{"text":"IG, you're scheduling for your six month follow-up.","start":11.12,"end":13.015,"sentiment":"neutral","sentiment_score":0.27076961658895016},{"text":"Is now still a good time for you?","start":13.015,"end":14.555,"sentiment":"neutral","sentiment_score":0.3050132617354393},{"text":"Perfect.","start":17.095001,"end":17.595001,"sentiment":"positive","sentiment_score":0.4981866478919983},{"text":"Just to jump into that one today, Lejrat, if I could pass through security with that name, date of birth, and Kronos, we can get started on that one.","start":17.655,"end":23.835,"sentiment":"neutral","sentiment_score":0.28191135207126883},{"text":"Yeah.","start":33.59,"end":33.75,"sentiment":"neutral","sentiment_score":0.04828513041138649}],"sentiment":"neutral","sentiment_score":0.28357795776521905,"num_words":47,"start":11.12,"end":33.75},{"sentences":[{"text":"Let me let me just do a check that.","start":33.75,"end":35.77,"sentiment":"neutral","sentiment_score":0.05410411457220713},{"text":"Yeah.","start":36.23,"end":36.39,"sentiment":"neutral","sentiment_score":0.037784092128276825},{"text":"And your your your current address as well there.","start":36.39,"end":38.375,"sentiment":"neutral","sentiment_score":0.032201388436886996},{"text":"Sorry, Joe.","start":38.375,"end":39.195,"sentiment":"neutral","sentiment_score":0.018420538865029812},{"text":"Perfect.","start":45.254997,"end":45.735,"sentiment":"positive","sentiment_score":0.3402661085128784}],"sentiment":"neutral","sentiment_score":0.05416549115695737,"num_words":22,"start":33.75,"end":45.735},{"sentences":[{"text":"Thank you for that.","start":45.735,"end":46.795,"sentiment":"positive","sentiment_score":0.450459860265255},{"text":"And then with your your birthday there, you said the December 1, was it?","start":47.175,"end":53.41,"sentiment":"neutral","sentiment_score":0.057652153606925695},{"text":"1970 '7?","start":53.41,"end":54.71,"sentiment":"neutral","sentiment_score":-0.0053130160085856915},{"text":"Oh, seven.","start":57.41,"end":58.149998,"sentiment":"neutral","sentiment_score":-0.00488968170247972},{"text":"Yeah.","start":59.01,"end":59.329998,"sentiment":"neutral","sentiment_score":0.019209813326597217}],"sentiment":"neutral","sentiment_score":0.11338147867228025,"num_words":23,"start":45.735,"end":59.329998},{"sentences":[{"text":"Okay.","start":59.329998,"end":59.649998,"sentiment":"neutral","sentiment_score":0.04477046802639961},{"text":"Perfect.","start":59.649998,"end":60.149998,"sentiment":"neutral","sentiment_score":0.08619819581508636},{"text":"I just misheard you wrong.","start":60.449997,"end":61.57,"sentiment":"neutral","sentiment_score":-0.0987609326839447},{"text":"Sorry.","start":61.57,"end":61.809998,"sentiment":"neutral","sentiment_score":-0.18711072206497192},{"text":"I was just doing a double quick double take, but that just was the the crackle over the phone, so my apologies.","start":61.809998,"end":67.03,"sentiment":"neutral","sentiment_score":-0.21068597889759325}],"sentiment":"neutral","sentiment_score":-0.17283460857967536,"num_words":30,"start":59.329998,"end":67.03},{"sentences":[{"text":"So the reason why I called you out, obviously, it's can't be at your six months review there.","start":68.135,"end":71.655,"sentiment":"neutral","sentiment_score":-0.28655378106567597},{"text":"I know the last time we spoke during your annual review, we did sort of have a discussion around Benelung, how it was performing, and that it was sort of underperforming at the time.","start":71.655,"end":81.115,"sentiment":"neutral","sentiment_score":-0.23792470202726476},{"text":"Now in regards to that specific asset, it has continued to underperform, which overall hasn't impacted your portfolio a whole heap because it is more of a satellite investment.","start":81.47,"end":92.29,"sentiment":"neutral","sentiment_score":-0.16385405459280672},{"text":"Your portfolio is still, like, tracking quite well.","start":92.590004,"end":95.23,"sentiment":"neutral","sentiment_score":0.06047102389857173},{"text":"As far as, like, a twelve month performance still from, like, today's date, it's still sitting after fees around 9.13% in terms of a return, but Benelon itself is down about 19% given not only the market conditions with what's happening, you know, with the war in Iran and politically and things like that as well, but they had an underlying asset that wasn't reporting correctly, and as a result, Bennelong had to reevaluate that stock, which caused it to go down a bit further.","start":95.23,"end":120.090004,"sentiment":"neutral","sentiment_score":-0.2668566006071427}],"sentiment":"neutral","sentiment_score":-0.23102424351562714,"num_words":174,"start":68.135,"end":120.090004},{"sentences":[{"text":"Now the options with that one there, Jared, is the investment committee has decided to move away from Bennelong entirely, and they don't really have conviction in it long term as well.","start":120.55,"end":129.63501,"sentiment":"neutral","sentiment_score":-0.2635458102449775},{"text":"Given that your portfolio is tracking quite well, there is the option just to remove that investment and replace it with the investment committee's replacement of the a 200, which is the Australian top 200 companies index.","start":129.935,"end":142.48999,"sentiment":"neutral","sentiment_score":-0.09651929321321281},{"text":"Now that mean it wouldn't be a fund.","start":142.70999,"end":144.70999,"sentiment":"neutral","sentiment_score":-0.16233263351023197},{"text":"You'd be moving away from that and be more of an index approach, but it's a cheaper option.","start":144.70999,"end":149.84999,"sentiment":"neutral","sentiment_score":-0.09035139106627968},{"text":"Its performance is tracked a bit better with not having that manager risk and just tracking what the Australian market's doing in general, or we can look to review the whole entire portfolio and do a bit of an update there for you, which will take a bit longer.","start":150.55,"end":165.065,"sentiment":"neutral","sentiment_score":0.031878914684057236}],"sentiment":"neutral","sentiment_score":-0.09283054905891833,"num_words":144,"start":120.55,"end":165.065},{"sentences":[{"text":"Yeah.","start":176.26,"end":176.58,"sentiment":"neutral","sentiment_score":0.03805553913116455},{"text":"Completely understand.","start":176.58,"end":177.45999,"sentiment":"neutral","sentiment_score":0.07215644046664238},{"text":"As I said, it will take a little bit longer.","start":177.45999,"end":179.3,"sentiment":"neutral","sentiment_score":-0.04175921268761158},{"text":"Like, you have been on board since the 2022 mark, and since you came on board, like, it's been tracking quite well.","start":179.3,"end":184.525,"sentiment":"neutral","sentiment_score":0.12103961577469652},{"text":"Obviously, that one investment hasn't obviously tracked too well, but I'll get you your since inception performance.","start":184.525,"end":189.825,"sentiment":"neutral","sentiment_score":0.017732435070416507}],"sentiment":"neutral","sentiment_score":0.05248267762362957,"num_words":52,"start":176.26,"end":189.825},{"sentences":[{"text":"Just bear with me.","start":193.885,"end":194.685,"sentiment":"neutral","sentiment_score":-0.03694928903132677},{"text":"Sorry.","start":194.685,"end":195.185,"sentiment":"neutral","sentiment_score":-0.023884344846010208},{"text":"So since you came on board, your rate of return on average has been around 7.92% each year, like, in terms of, like, the the ups after fees, which is in line with your your portfolio.","start":198.98,"end":211.08,"sentiment":"neutral","sentiment_score":0.2781783952895138},{"text":"So it has still sort of met those expectations as the portfolio, but more than happy to review it as a whole.","start":211.22,"end":218.255,"sentiment":"positive","sentiment_score":0.6311543495817618},{"text":"Now with that one there, Jared, given that we are reviewing everything, are you happy, like, maintaining a level of active management within that portfolio?","start":218.635,"end":228.83,"sentiment":"neutral","sentiment_score":0.25046913385391234}],"sentiment":"positive","sentiment_score":0.34079391780224716,"num_words":88,"start":193.885,"end":228.83},{"sentences":[{"text":"Did you wanna look to be a bit more of a cheaper, more passive with everything that is going on in the world to not have that manager risk?","start":228.83,"end":235.39001,"sentiment":"neutral","sentiment_score":0.10594229541462043},{"text":"Or Yeah.","start":235.39001,"end":244.185,"sentiment":"neutral","sentiment_score":0.07251603528857231},{"text":"Because that that is an option just to review that as a whole and just not having those active managers moving forward.","start":244.185,"end":249.465,"sentiment":"neutral","sentiment_score":0.20100665634328668},{"text":"Obviously, the other fund you did have that was actively managed within that did perform quite well.","start":249.465,"end":254.56,"sentiment":"neutral","sentiment_score":0.24655349815593047},{"text":"But given, you know, the other fund that was actively managed performed quite poorly, it kind of balances out in terms of, like, having that active management.","start":254.56,"end":261.12,"sentiment":"neutral","sentiment_score":-0.001199247384512865}],"sentiment":"neutral","sentiment_score":0.12163438006621047,"num_words":97,"start":228.83,"end":261.12},{"sentences":[{"text":"Now over the the short term periods of times and things like that, they can have the ability to outperform those markets, especially when there are gaps with everything going on, but it is very easy to also pick the wrong winners like much like what Benelon and occurred with that one and go the other way.","start":261.12,"end":275.335,"sentiment":"neutral","sentiment_score":0.1529624966675775},{"text":"So more than happy to look at a more passive update there for you to illustrate, you know, moving forward and just having those cheaper index investment that try to track those markets moving forward for you, if that's what you'd like.","start":275.335,"end":286.97,"sentiment":"positive","sentiment_score":0.6476397549822217},{"text":"Yep.","start":292.39,"end":292.79,"sentiment":"neutral","sentiment_score":0.2506031095981598},{"text":"Obviously, you'll have a chance to review it as well.","start":292.79,"end":295.11002,"sentiment":"neutral","sentiment_score":0.22003395408391951},{"text":"But yeah.","start":295.11002,"end":295.59,"sentiment":"neutral","sentiment_score":-0.022797257639467716}],"sentiment":"positive","sentiment_score":0.342188215664854,"num_words":112,"start":261.12,"end":295.59},{"sentences":[{"text":"And what was that further?","start":295.59,"end":298.905,"sentiment":"neutral","sentiment_score":-0.10783295184373856},{"text":"Yeah.","start":300.005,"end":300.325,"sentiment":"neutral","sentiment_score":-0.057024016976356506},{"text":"So Yeah.","start":300.325,"end":310.26,"sentiment":"neutral","sentiment_score":-0.12626228109002113},{"text":"And in saying that even with everything that has occurred, like, obviously, your portfolio has taken a bit of a dip sort of the past few months with what happened in the war, but still over that period of time, it's still, like, tracking quite nicely in terms of, like, its returns.","start":310.58002,"end":322.68002,"sentiment":"neutral","sentiment_score":0.05793867546778459},{"text":"Obviously, it could have been a bit higher if this didn't occur.","start":323.545,"end":325.965,"sentiment":"neutral","sentiment_score":-0.23811400619645914}],"sentiment":"neutral","sentiment_score":-0.009628754005663924,"num_words":72,"start":295.59,"end":325.965},{"sentences":[{"text":"The main concern was that Benelong investment, but more than happy to review it entire.","start":326.505,"end":331.325,"sentiment":"neutral","sentiment_score":-0.015335359175999957},{"text":"Okay.","start":336.54,"end":337.04,"sentiment":"neutral","sentiment_score":-0.026395855471491817},{"text":"Yep.","start":340.86,"end":341.36,"sentiment":"neutral","sentiment_score":0.09722594916820526},{"text":"And not a problem.","start":345.26,"end":346.48,"sentiment":"neutral","sentiment_score":-0.15010882541537285},{"text":"Okay.","start":349.5,"end":350.0,"sentiment":"neutral","sentiment_score":0.03638164699077606}],"sentiment":"neutral","sentiment_score":-0.0328751794824546,"num_words":22,"start":326.505,"end":350.0},{"sentences":[{"text":"Yeah.","start":350.06,"end":350.3,"sentiment":"neutral","sentiment_score":0.0643175020813942},{"text":"So, like, as I said, like, on average, just, like, since in inception, it's close to that 8% on average.","start":350.3,"end":357.435,"sentiment":"neutral","sentiment_score":0.11458222381770611},{"text":"And then over a twelve month period, it's still up, like, 9.13% even though for the past, like, it's probably getting closer to, you know, the the four month mark of, like, performance.","start":357.435,"end":368.17,"sentiment":"neutral","sentiment_score":0.042038850486278534},{"text":"It's been quite stagnant in terms of what has occurred because there's been a bit of up and a bit of a down, and then there was the war as well.","start":368.17,"end":374.745,"sentiment":"negative","sentiment_score":-0.33413946099819675},{"text":"But it is still tracking sort of on par with what the market themselves are doing.","start":375.305,"end":378.82498,"sentiment":"neutral","sentiment_score":0.006039019674062728}],"sentiment":"neutral","sentiment_score":-0.06453915773937018,"num_words":101,"start":350.06,"end":378.82498},{"sentences":[{"text":"It's not just to say that you're the only one that's sorta, like, stagnant in those times with what everything that is going on.","start":378.82498,"end":384.685,"sentiment":"neutral","sentiment_score":-0.27364063014586765},{"text":"I can send let me just confirm your client details there.","start":385.225,"end":391.25,"sentiment":"neutral","sentiment_score":0.08469874513420192},{"text":"Because do you remember your password and everything as well there, Jared?","start":391.55002,"end":394.53,"sentiment":"neutral","sentiment_score":0.0583534874022007},{"text":"Because I can just send you a password reset there.","start":400.59,"end":403.55002,"sentiment":"neutral","sentiment_score":-0.032016186788678166},{"text":"And then with that one, I believe it will go to your email, which will be jared wesley at rocket mail dot com.","start":403.55002,"end":410.415,"sentiment":"neutral","sentiment_score":0.06888386542382448}],"sentiment":"neutral","sentiment_score":-0.04589100051671267,"num_words":80,"start":378.82498,"end":410.415},{"sentences":[{"text":"Is that still the most up to okay.","start":410.415,"end":415.61502,"sentiment":"neutral","sentiment_score":0.04503873293288052},{"text":"And do you have access to that old one?","start":415.61502,"end":417.36,"sentiment":"neutral","sentiment_score":-0.08978593308064672},{"text":"Yeah.","start":421.91998,"end":422.41998,"sentiment":"neutral","sentiment_score":-0.01449662446975708},{"text":"Yeah.","start":423.91998,"end":424.41998,"sentiment":"neutral","sentiment_score":-0.014324380084872246},{"text":"Correct.","start":424.47998,"end":424.97998,"sentiment":"neutral","sentiment_score":0.038449715822935104}],"sentiment":"neutral","sentiment_score":-0.02190674114972353,"num_words":20,"start":410.415,"end":424.97998},{"sentences":[{"text":"I can do it you have access to the old email or to the new Okay.","start":427.12,"end":435.755,"sentiment":"neutral","sentiment_score":-0.049008766654878855},{"text":"You say you can get into it.","start":436.375,"end":437.57498,"sentiment":"neutral","sentiment_score":-0.05162885785102844},{"text":"Sorry?","start":437.57498,"end":438.07498,"sentiment":"neutral","sentiment_score":-0.13147541880607605},{"text":"Okay.","start":442.215,"end":442.535,"sentiment":"neutral","sentiment_score":0.025343002751469612},{"text":"Yeah.","start":442.535,"end":442.775,"sentiment":"neutral","sentiment_score":0.05435226112604141}],"sentiment":"neutral","sentiment_score":-0.04605086255245484,"num_words":26,"start":427.12,"end":442.775},{"sentences":[{"text":"So we can do a change of details form, and I can get your email address updated.","start":442.775,"end":447.61,"sentiment":"neutral","sentiment_score":0.11590064492295771},{"text":"Now what would be your new email address there, Joe?","start":447.66998,"end":450.81,"sentiment":"neutral","sentiment_score":0.05797991454601288},{"text":"No dots or anything like that?","start":453.83,"end":455.45,"sentiment":"neutral","sentiment_score":-0.07089090098937352},{"text":"Yep.","start":458.15,"end":458.445,"sentiment":"neutral","sentiment_score":-0.026700716465711594},{"text":"Yep.","start":461.325,"end":461.825,"sentiment":"neutral","sentiment_score":0.0417051687836647}],"sentiment":"neutral","sentiment_score":0.061136261586632046,"num_words":35,"start":442.775,"end":461.825},{"sentences":[{"text":"Yep.","start":462.92502,"end":463.42502,"sentiment":"neutral","sentiment_score":0.05404914915561676},{"text":"Yep.","start":468.605,"end":469.105,"sentiment":"neutral","sentiment_score":0.053751952946186066},{"text":"So my yahoo is in m y y a h, double o, dot com.","start":473.805,"end":483.59,"sentiment":"neutral","sentiment_score":0.03513713566852467},{"text":"And there's no dot between the my and the yahoo?","start":483.59,"end":485.85,"sentiment":"neutral","sentiment_score":0.0034995580092072485},{"text":"Not a problem.","start":488.22998,"end":488.955,"sentiment":"neutral","sentiment_score":0.24600410958131155}],"sentiment":"neutral","sentiment_score":0.04733547966541915,"num_words":29,"start":462.92502,"end":488.955},{"sentences":[{"text":"I'll get them organized that to get that change of details.","start":489.35498,"end":492.875,"sentiment":"neutral","sentiment_score":0.2507619017904455},{"text":"Because as you said, just for security purposes and that they do use your email.","start":492.875,"end":497.85498,"sentiment":"neutral","sentiment_score":0.06093864093224208},{"text":"And then from there, we can send out a password reset for you.","start":498.875,"end":501.6,"sentiment":"neutral","sentiment_score":0.12419007374690129},{"text":"The only way you could probably get in earlier is if you maybe sort of contacted Hub Hub twenty four directly.","start":502.16,"end":509.78,"sentiment":"neutral","sentiment_score":0.06904760819105875},{"text":"Okay.","start":515.12,"end":515.44,"sentiment":"neutral","sentiment_score":0.04744973033666611}],"sentiment":"neutral","sentiment_score":0.11121936056946145,"num_words":61,"start":489.35498,"end":515.44},{"sentences":[{"text":"Because we'll have to yeah.","start":515.44,"end":518.115,"sentiment":"neutral","sentiment_score":-0.08194935750216245},{"text":"Okay.","start":518.115,"end":518.355,"sentiment":"neutral","sentiment_score":0.02667524293065071},{"text":"Because we'll have to send the change of details form once that's completed for you.","start":518.355,"end":523.895,"sentiment":"neutral","sentiment_score":0.07330461870878935},{"text":"Do you have access to a printer as well?","start":524.195,"end":526.035,"sentiment":"neutral","sentiment_score":0.028211291051573224},{"text":"Sorry.","start":526.035,"end":526.535,"sentiment":"neutral","sentiment_score":0.003401973284780979}],"sentiment":"neutral","sentiment_score":0.031412946090342536,"num_words":31,"start":515.44,"end":526.535},{"sentences":[{"text":"Printer.","start":529.075,"end":529.555,"sentiment":"neutral","sentiment_score":0.11414128541946413},{"text":"Perfect.","start":529.555,"end":529.98,"sentiment":"positive","sentiment_score":0.5657831430435181},{"text":"Because we can email you that form.","start":530.3,"end":532.22,"sentiment":"positive","sentiment_score":0.4587160050868988},{"text":"And then once that's completed, you send that back.","start":532.22,"end":534.06,"sentiment":"positive","sentiment_score":0.359833558400472},{"text":"We can get that updated with Hub there.","start":534.06,"end":536.45996,"sentiment":"positive","sentiment_score":0.3739752322435379}],"sentiment":"positive","sentiment_score":0.3892784749086087,"num_words":26,"start":529.075,"end":536.45996},{"sentences":[{"text":"And then from there, you can utilize that, but we'll do a password reset, and then they'll be able to sort of reset that email for you as well.","start":536.45996,"end":545.505,"sentiment":"neutral","sentiment_score":0.2609552977413967},{"text":"Perfect.","start":547.985,"end":548.485,"sentiment":"positive","sentiment_score":0.6487525105476379},{"text":"Now as far as your details and everything is concerned, just because we are going to advise now with that update there, Jared, and just doing a a refresh of it, have anything changed in regards, like, your goals, your occupation, liabilities, anything like that?","start":548.545,"end":564.41003,"sentiment":"neutral","sentiment_score":0.07541048605408933},{"text":"Same job, same income, everything largely unchanged.","start":569.51,"end":572.09,"sentiment":"neutral","sentiment_score":0.014853790402412415},{"text":"Even with the the figures with your debt and everything like that, largely unchanged.","start":572.63,"end":575.58496,"sentiment":"neutral","sentiment_score":-0.03537233839077609}],"sentiment":"neutral","sentiment_score":0.11686137305029358,"num_words":96,"start":536.45996,"end":575.58496},{"sentences":[{"text":"Still around 160 on the mortgage and 100 in the offset.","start":575.58496,"end":578.96497,"sentiment":"neutral","sentiment_score":0.06547854840755463},{"text":"Yep.","start":581.90497,"end":582.40497,"sentiment":"neutral","sentiment_score":0.08344607055187225},{"text":"Any change in your savings much at all?","start":582.625,"end":584.725,"sentiment":"neutral","sentiment_score":0.058579514734447},{"text":"So a 100 in the offset and $1.50 on the home And do you have your separate daily spending account still as well?","start":594.72,"end":602.515,"sentiment":"neutral","sentiment_score":0.05935131223953288},{"text":"And how much do you have on that one roughly at the moment?","start":603.855,"end":606.27496,"sentiment":"neutral","sentiment_score":0.054894586165363975}],"sentiment":"neutral","sentiment_score":0.059840286117313166,"num_words":56,"start":575.58496,"end":606.27496},{"sentences":[{"text":"Yep.","start":611.375,"end":611.695,"sentiment":"neutral","sentiment_score":0.16807471215724945},{"text":"Perfect.","start":611.695,"end":612.195,"sentiment":"positive","sentiment_score":0.4116722047328949},{"text":"Now in regards to anything else, sir, because obviously, you do have your insurance cover there as well.","start":613.95,"end":618.53,"sentiment":"neutral","sentiment_score":0.1365146810809771},{"text":"Jared, are you still happy with those benefits amounts?","start":618.75,"end":620.99,"sentiment":"neutral","sentiment_score":0.16060590661234325},{"text":"Did you wanna review that at all at the moment?","start":620.99,"end":623.09,"sentiment":"neutral","sentiment_score":-0.0016255201771855354}],"sentiment":"neutral","sentiment_score":0.11451818292530683,"num_words":39,"start":611.375,"end":623.09},{"sentences":[{"text":"Your insurances or anything like that, Did you wanna review that as well?","start":625.63,"end":629.60504,"sentiment":"neutral","sentiment_score":-0.14386112128312772},{"text":"Yeah.","start":636.145,"end":636.465,"sentiment":"neutral","sentiment_score":0.020978668704628944},{"text":"Because obvious yes.","start":636.465,"end":647.44,"sentiment":"neutral","sentiment_score":-0.00739749272664388},{"text":"You've got the life, the total parent disability, and the income protection cover there as well.","start":647.44,"end":652.42,"sentiment":"neutral","sentiment_score":0.08228500513359904},{"text":"Now with that one, I can send you a copy just via email of your your COC so you can have a look at that one if you'd like.","start":654.185,"end":662.285,"sentiment":"neutral","sentiment_score":0.11007602050386626}],"sentiment":"neutral","sentiment_score":0.04253800468699586,"num_words":62,"start":625.63,"end":662.285},{"sentences":[{"text":"But with that so currently, they're sorry.","start":663.14496,"end":667.0,"sentiment":"neutral","sentiment_score":-0.07318225130438805},{"text":"I'll just bring it up in front of me there.","start":667.0,"end":669.02,"sentiment":"neutral","sentiment_score":-0.024669697508215904},{"text":"Bear with me.","start":669.4,"end":670.46,"sentiment":"neutral","sentiment_score":0.018569381286700565},{"text":"Yep.","start":677.0,"end":677.32,"sentiment":"neutral","sentiment_score":0.07808640599250793},{"text":"So you've got around one point well, $1,164,870 worth of life and same for the total parent disability, and your income protection amount is around the $6,361 a monthly benefit if anything was happened.","start":677.32,"end":692.565,"sentiment":"neutral","sentiment_score":0.07467777194345698}],"sentiment":"neutral","sentiment_score":0.03479756475849585,"num_words":55,"start":663.14496,"end":692.565},{"sentences":[{"text":"And then it's a ninety day waiting period and a two year benefit period for that one.","start":692.565,"end":696.15,"sentiment":"neutral","sentiment_score":0.053815595586510265},{"text":"So in regards to level of debt you hold, you probably could look at reducing the life and t p the amount if you're happy still holding that.","start":696.63,"end":703.67004,"sentiment":"neutral","sentiment_score":-0.04236209538898298},{"text":"As long as you're aware of the cost being around that $4,750 before the 15% rebate and yeah.","start":703.67004,"end":720.425,"sentiment":"neutral","sentiment_score":0.011907197897218995},{"text":"The other thing is just to be mindful too.","start":720.425,"end":722.51996,"sentiment":"neutral","sentiment_score":0.012467364884085126},{"text":"It's like if you are sort of you know, your income contributed to the household, being that you do have younger children, having a bit more income replacement isn't a bad thing as well.","start":722.51996,"end":731.58,"sentiment":"neutral","sentiment_score":0.03493916054311044}],"sentiment":"neutral","sentiment_score":0.011728243006147304,"num_words":106,"start":692.565,"end":731.58},{"sentences":[{"text":"But we can look at risk of reduction amounts for that if you'd like just to sort of what that might look like.","start":732.76,"end":743.355,"sentiment":"neutral","sentiment_score":0.010879919418822164},{"text":"Yeah.","start":743.355,"end":743.755,"sentiment":"neutral","sentiment_score":0.16035814583301544},{"text":"Not a problem.","start":743.755,"end":744.495,"sentiment":"neutral","sentiment_score":0.2906450132528941},{"text":"And I'll just bring up your risk profile and just confirm that one there for you.","start":746.075,"end":750.075,"sentiment":"neutral","sentiment_score":0.18163225759053603},{"text":"Obviously, you know, it hasn't been too long, but I'd just like to confirm everything.","start":750.075,"end":753.9,"sentiment":"neutral","sentiment_score":0.108077722042799}],"sentiment":"neutral","sentiment_score":0.10016919455715809,"num_words":58,"start":732.76,"end":753.9},{"sentences":[{"text":"So you did come out as a growth investor, and you're about that you're invested in the growth portfolio now about that 8020 split.","start":753.96,"end":760.76,"sentiment":"neutral","sentiment_score":0.29437191349764663},{"text":"Are you still comfortable with that of having those growth defensive assets given your time to retire and everything?","start":760.76,"end":769.315,"sentiment":"neutral","sentiment_score":0.2631514115553153},{"text":"Yep.","start":769.375,"end":769.615,"sentiment":"neutral","sentiment_score":0.060205500572919846},{"text":"Do you have any questions regarding your risk profile or anything like that?","start":769.615,"end":772.675,"sentiment":"neutral","sentiment_score":-0.016649404970499184},{"text":"Yep.","start":776.895,"end":777.395,"sentiment":"neutral","sentiment_score":0.05624009296298027}],"sentiment":"neutral","sentiment_score":0.20628975986920553,"num_words":58,"start":753.96,"end":777.395},{"sentences":[{"text":"Not a problem.","start":778.575,"end":779.44,"sentiment":"neutral","sentiment_score":0.05785967409610748},{"text":"Yep.","start":782.06,"end":782.56,"sentiment":"neutral","sentiment_score":0.09477432817220688},{"text":"Did you want me to sort of get this stuff sorted and then have another conversation with you?","start":782.86,"end":786.94,"sentiment":"neutral","sentiment_score":0.08093582424852583},{"text":"Are you happy for us to start this process now, or do you want me to do the the change of detail stuff and yep.","start":786.94,"end":796.395,"sentiment":"neutral","sentiment_score":0.11907191142439842},{"text":"That's not a problem.","start":796.395,"end":797.455,"sentiment":"positive","sentiment_score":0.3577300235629082}],"sentiment":"neutral","sentiment_score":0.12025325621167819,"num_words":51,"start":778.575,"end":797.455},{"sentences":[{"text":"I'll following this call, I'll email you a copy of your certificate of currency.","start":797.995,"end":802.015,"sentiment":"neutral","sentiment_score":0.2752727610724313},{"text":"And then from there, I'll get a colleague of mine to organize that change of details there for you.","start":803.7,"end":808.42004,"sentiment":"neutral","sentiment_score":0.23541324938598432},{"text":"And then from there, we'll do some research on your investment and then also in regards to reduction in your insurances as well just to show you what that looks like.","start":808.42004,"end":817.79504,"sentiment":"neutral","sentiment_score":0.13449110270988557},{"text":"And if anything wants to happen, like, how many years do you reckon you'd wanna sort of replace your income for at the moment?","start":818.815,"end":824.015,"sentiment":"neutral","sentiment_score":-0.05006182302410404},{"text":"Like, do you reckon sort of seven and seven to a year, ten years, given the sort of kids' ages?","start":824.015,"end":828.74,"sentiment":"neutral","sentiment_score":-0.04889569319784641}],"sentiment":"neutral","sentiment_score":0.09552312000758117,"num_words":108,"start":797.995,"end":828.74},{"sentences":[{"text":"Or Yeah.","start":834.39996,"end":838.0,"sentiment":"neutral","sentiment_score":-0.10092037916183472},{"text":"There's a certain degree of taxes that are associated with, like, total disability payments and drawing those out.","start":838.0,"end":844.275,"sentiment":"neutral","sentiment_score":-0.19609900150034162},{"text":"Same with, like, when the payments for income protection.","start":844.275,"end":846.615,"sentiment":"neutral","sentiment_score":-0.050785244132081665},{"text":"As far as, like, the life policy, people can receive, like, majority of those funds tax free if they're, like, dependents and spouses and things like that.","start":847.235,"end":854.275,"sentiment":"neutral","sentiment_score":0.06483884749037248},{"text":"But that doesn't really affect you because you you wouldn't be around anyway, if that makes sense.","start":854.275,"end":859.37,"sentiment":"neutral","sentiment_score":-0.017648557529729957}],"sentiment":"neutral","sentiment_score":-0.037507761346354876,"num_words":73,"start":834.39996,"end":859.37},{"sentences":[{"text":"Yeah.","start":863.51,"end":863.82996,"sentiment":"neutral","sentiment_score":0.07134445011615753},{"text":"Yeah.","start":863.82996,"end":864.07,"sentiment":"neutral","sentiment_score":0.07622592151165009},{"text":"Exactly.","start":864.07,"end":864.57,"sentiment":"neutral","sentiment_score":0.09955376386642456},{"text":"Yep.","start":874.185,"end":874.685,"sentiment":"neutral","sentiment_score":0.10335958003997804},{"text":"Not not a problem at all there, Jade.","start":874.745,"end":876.425,"sentiment":"neutral","sentiment_score":0.2244891319423914}],"sentiment":"neutral","sentiment_score":0.17886639758944511,"num_words":12,"start":863.51,"end":876.425},{"sentences":[{"text":"Is there anything else you wanted to address in regards to your advice at the moment?","start":876.425,"end":881.085,"sentiment":"neutral","sentiment_score":0.029982203850522637},{"text":"Yep.","start":887.36005,"end":887.60004,"sentiment":"neutral","sentiment_score":0.1352851390838623},{"text":"Not a problem.","start":887.60004,"end":888.48004,"sentiment":"neutral","sentiment_score":0.24707660575707754},{"text":"I'll as I said, I'll get the the team on to that today.","start":888.48004,"end":890.80005,"sentiment":"neutral","sentiment_score":0.28542640002874226},{"text":"Hopefully, they can get those forms sorted for you.","start":890.80005,"end":893.06006,"sentiment":"positive","sentiment_score":0.35633181863360935}],"sentiment":"neutral","sentiment_score":0.19699428061999025,"num_words":42,"start":876.425,"end":893.06006},{"sentences":[{"text":"And then if you have any questions after that, once the form's complete and we submit it to Hub, we can look at doing a password reset for you to be able to get in and have a a look around.","start":893.12006,"end":902.645,"sentiment":"neutral","sentiment_score":0.1990064252622244},{"text":"Not a problem, Jared.","start":905.505,"end":906.385,"sentiment":"neutral","sentiment_score":0.22880585491657257},{"text":"If you don't have any other concerns, we'll limit it purely to sort of just doing the the reduction there for your insurance is just reviewing that, making sure, you know, it's in line with what your needs are currently and then having a look at the investment update as well.","start":906.385,"end":922.76,"sentiment":"neutral","sentiment_score":0.22425108037742914},{"text":"And you're happy largely with Top 24.","start":922.76,"end":924.83997,"sentiment":"positive","sentiment_score":0.535354767526899},{"text":"You don't have any concerns with the platform itself from, like, when you were able to get into it?","start":924.83997,"end":929.41504,"sentiment":"neutral","sentiment_score":0.09198982915595959}],"sentiment":"neutral","sentiment_score":0.21316870558457296,"num_words":122,"start":893.12006,"end":929.41504},{"sentences":[{"text":"No.","start":933.875,"end":934.115,"sentiment":"neutral","sentiment_score":-0.03587355464696884},{"text":"I think.","start":934.115,"end":934.865,"sentiment":"neutral","sentiment_score":-0.06142181716859341},{"text":"Yeah.","start":947.41003,"end":947.65,"sentiment":"neutral","sentiment_score":-0.011636486276984217},{"text":"The January took a bit of a drop there and that was mainly because of Trump and his tariff talk.","start":947.65,"end":952.215,"sentiment":"neutral","sentiment_score":-0.253684089332819},{"text":"Since then, it did recover from that quite nicely.","start":953.335,"end":955.575,"sentiment":"neutral","sentiment_score":0.19964820643266043}],"sentiment":"neutral","sentiment_score":-0.10446065466738108,"num_words":33,"start":933.875,"end":955.575},{"sentences":[{"text":"And then sort of the back October, November sort of thing, there was the issue with that Benelung underlying asset and then also the conflict overseas as well with the wars, which has caused it to stagnate a little bit.","start":955.575,"end":967.97864,"sentiment":"neutral","sentiment_score":-0.17736282907426357},{"text":"But it's still very much up over the period that you've been on board, so it's still tracking quite nicely over overall for the time you have been invested there.","start":967.97864,"end":980.985,"sentiment":"positive","sentiment_score":0.33808307672540344},{"text":"Yeah.","start":981.14496,"end":981.385,"sentiment":"neutral","sentiment_score":0.14574937522411346},{"text":"We'll limit it to to those things there, and we'll chuck in a little bit about your estate planning matters and getting your beneficiaries and things like that.","start":981.385,"end":988.185,"sentiment":"neutral","sentiment_score":0.17807037569582462},{"text":"Making sure up to date.","start":988.185,"end":989.065,"sentiment":"neutral","sentiment_score":0.2046424239873886}],"sentiment":"neutral","sentiment_score":0.08848953032149719,"num_words":104,"start":955.575,"end":989.065},{"sentences":[{"text":"I know you've got Linda there at the moment, so we'll look to maintain those.","start":989.065,"end":992.505,"sentiment":"neutral","sentiment_score":0.17773880163828532},{"text":"And then just a reminder to, you know, set up things like wills and power of attorneys and things like that as well for you.","start":992.505,"end":997.74,"sentiment":"neutral","sentiment_score":0.13276154756546021},{"text":"No problem, Jared.","start":1000.12,"end":1001.08,"sentiment":"neutral","sentiment_score":0.2584484914938609},{"text":"If you don't have anything else for me, do you have any further questions before I let you go?","start":1001.08,"end":1005.015,"sentiment":"neutral","sentiment_score":0.09135178476572037},{"text":"So power of attorney is just like, it can be your spouse.","start":1009.255,"end":1012.375,"sentiment":"neutral","sentiment_score":0.01568513549864292}],"sentiment":"neutral","sentiment_score":0.11735637465844283,"num_words":74,"start":989.065,"end":1012.375},{"sentences":[{"text":"It's just like using conjunction with wills and things like that where if you're incapacitated in any way, that that person can take on the power of attorney to be able to make decisions for you.","start":1012.375,"end":1021.77,"sentiment":"neutral","sentiment_score":0.07316566118970513},{"text":"So, you know, if you are seriously injured, things like that, it can sort of mean that your, you know, spouse or whoever you sort of elect to can make financial and sort of health related decisions for you as well.","start":1021.77,"end":1031.655,"sentiment":"neutral","sentiment_score":0.18929888308048248},{"text":"And you can even put, like, health care directive.","start":1031.8151,"end":1034.7151,"sentiment":"neutral","sentiment_score":0.16725831396049923},{"text":"Yeah.","start":1035.095,"end":1035.595,"sentiment":"neutral","sentiment_score":0.20072603225708008},{"text":"And this is a bit of a power that, you know, with things when you get caught involved till, you know, get sort of ability to make financial decisions and things like that people, it can get quite costly.","start":1036.375,"end":1045.61,"sentiment":"neutral","sentiment_score":-0.1577471520465154}],"sentiment":"neutral","sentiment_score":0.04721531696203682,"num_words":126,"start":1012.375,"end":1045.61},{"sentences":[{"text":"Whereas the power of attorney sort of eliminates that that need if something like that was to occur.","start":1045.61,"end":1050.33,"sentiment":"neutral","sentiment_score":-0.05045826577891906},{"text":"So a bit of just a risk mitigation tool.","start":1050.33,"end":1052.59,"sentiment":"neutral","sentiment_score":0.023038426207171545},{"text":"Not a problem at all, Jared.","start":1056.73,"end":1058.335,"sentiment":"positive","sentiment_score":0.3486457367738088},{"text":"Well, we'll get a start on that.","start":1058.335,"end":1059.455,"sentiment":"neutral","sentiment_score":0.28585908242634367},{"text":"I'll get those forms sorta sorta hopefully gets to you by the end of the week there, and you can get on that.","start":1059.455,"end":1064.735,"sentiment":"neutral","sentiment_score":0.2871194559594859}],"sentiment":"neutral","sentiment_score":0.15866242121491167,"num_words":63,"start":1045.61,"end":1064.735},{"sentences":[{"text":"Just make sure that the email address change is correct before, like, signing and sending it back, if that's right.","start":1064.735,"end":1079.45,"sentiment":"neutral","sentiment_score":0.056649561133235694},{"text":"Oh, yeah.","start":1079.45,"end":1079.77,"sentiment":"neutral","sentiment_score":0.1071929968893528},{"text":"Not a problem.","start":1079.77,"end":1080.33,"sentiment":"neutral","sentiment_score":0.27307968338330585},{"text":"I'll do that now.","start":1080.33,"end":1081.55,"sentiment":"neutral","sentiment_score":0.27059096097946167},{"text":"I'll even oh, actually, I won't check your ZIP code, so just to make sure it is the correct email.","start":1082.65,"end":1087.185,"sentiment":"neutral","sentiment_score":0.05938709992915392}],"sentiment":"neutral","sentiment_score":0.09054534916518903,"num_words":49,"start":1064.735,"end":1087.185},{"sentences":[{"text":"Bear with me.","start":1088.4451,"end":1089.425,"sentiment":"neutral","sentiment_score":0.09241869548956554},{"text":"Yep.","start":1096.8451,"end":1097.165,"sentiment":"neutral","sentiment_score":0.23640727996826172},{"text":"So that should be with you there shortly, and you can just let me know if it does come through.","start":1097.165,"end":1102.87,"sentiment":"neutral","sentiment_score":0.2818492017686367},{"text":"Yeah.","start":1118.9451,"end":1119.3451,"sentiment":"neutral","sentiment_score":0.11844374239444733},{"text":"Yeah.","start":1119.3451,"end":1119.5851,"sentiment":"neutral","sentiment_score":0.15695664286613464}],"sentiment":"neutral","sentiment_score":0.24715568411808747,"num_words":26,"start":1088.4451,"end":1119.5851},{"sentences":[{"text":"Something should sort of pop up there if it did go to the right email.","start":1119.5851,"end":1122.805,"sentiment":"neutral","sentiment_score":0.13954093903303147},{"text":"Just an email that said test and hide, Jared.","start":1155.71,"end":1158.0499,"sentiment":"neutral","sentiment_score":-0.0287578363592426},{"text":"No.","start":1165.405,"end":1165.885,"sentiment":"neutral","sentiment_score":-0.32642054557800293},{"text":"It hasn't bounced back.","start":1165.885,"end":1167.1849,"sentiment":"neutral","sentiment_score":-0.24898403137922287},{"text":"It did come through?","start":1171.165,"end":1172.13,"sentiment":"neutral","sentiment_score":0.13170227780938148}],"sentiment":"neutral","sentiment_score":0.03147715146681576,"num_words":33,"start":1119.5851,"end":1172.13},{"sentences":[{"text":"Brilliant.","start":1175.09,"end":1175.59,"sentiment":"positive","sentiment_score":0.7425709962844849},{"text":"Well, I'll send you that secret of currency there for you just to be able to have a look at those insurances there.","start":1175.89,"end":1181.11,"sentiment":"neutral","sentiment_score":0.28640079190549644},{"text":"And feel free to respond to that if you have any questions, concerns, or any sort of amount specifically that you want.","start":1181.17,"end":1185.81,"sentiment":"neutral","sentiment_score":0.2682700272310864},{"text":"Otherwise, we'll sort of base it on some some income replacement, your level of debt, and then offset of your super.","start":1185.81,"end":1190.995,"sentiment":"neutral","sentiment_score":0.13442282981815792},{"text":"Given that the kids are a bit a bit younger and your income is a bit higher, there we can sort of look it might not change a whole heap, but then also, you know, as the kids get older and that, we can look at reducing that a bit more and stuff like that.","start":1191.775,"end":1205.6699,"sentiment":"neutral","sentiment_score":0.05474394112825394}],"sentiment":"neutral","sentiment_score":0.15627480325762366,"num_words":122,"start":1175.09,"end":1205.6699},{"sentences":[{"text":"Because, obviously, if something were to occur, we're not earning an income.","start":1205.6699,"end":1208.23,"sentiment":"neutral","sentiment_score":-0.025129448622465134},{"text":"It's just nice that there is that protection that, you know, Linda wouldn't have to fund, you know, the kids' education and things like that by by herself.","start":1208.23,"end":1219.425,"sentiment":"positive","sentiment_score":0.45924978383949827},{"text":"Perfect.","start":1219.425,"end":1219.925,"sentiment":"positive","sentiment_score":0.7936351299285889},{"text":"Not a problem, Joe.","start":1220.145,"end":1220.9451,"sentiment":"positive","sentiment_score":0.7606687247753143},{"text":"We will get a start on that, and you enjoy the rest of your day.","start":1220.9451,"end":1223.025,"sentiment":"positive","sentiment_score":0.8137098391850789}],"sentiment":"positive","sentiment_score":0.4766566363473733,"num_words":60,"start":1205.6699,"end":1223.025},{"sentences":[{"text":"Thanks for your time.","start":1223.025,"end":1224.005,"sentiment":"positive","sentiment_score":0.8312145173549652},{"text":"No problem.","start":1225.745,"end":1226.225,"sentiment":"positive","sentiment_score":0.5777384042739868},{"text":"Thanks.","start":1226.225,"end":1226.545,"sentiment":"positive","sentiment_score":0.6728825569152832},{"text":"Bye.","start":1226.545,"end":1227.045,"sentiment":"neutral","sentiment_score":-0.0998820662498474}],"sentiment":"positive","sentiment_score":0.6316669210791588,"num_words":8,"start":1223.025,"end":1227.045}]}}]},{"alternatives":[{"transcript":"Hello? How you doing, buddy? Yes. Fine. Fine. Jerry Westerby. 12/07/1977. Got it? 085 Bennett Road, Collison. No. It's it's it's it's it's it's for the '12 for December. Yep. Mhmm. Yeah. Yeah. Mhmm. Okay. Okay. Okay. Probably probably look at trying to update, though. I don't know. I've been a while. It's been probably be good to look at that overall. You know what I mean? What was it? Sorry. Yep. No. Yeah. We don't know. We don't you don't know what's gonna go on. So it'd probably be a safer option doing that. Yeah. Yeah. It should be fine. It could be something like that. No. No. No. No. Keep going. Keep going. I just don't know what yeah. I've been able to say something because it's all going on and I've gotta last, you know, few weeks till it's gone for ages, mate. You don't know what's gonna go on. So I haven't been I haven't been I wait. I haven't been able to get into it because I can't I haven't got my my login number. So I need that login number so I get back into it so I can have a look at it all. So I don't know how it's been performing because I haven't been looking at it. Yep. Yep. Okay. Yeah. I think it's I think it's JWesterbyAt77. I'm not too sure. Yeah. I've got a I've got a new email address now. So I can't I can't reset it because I've got a new email address. Normally, you can reset it, but I can't. Because normally they send us the email address. You know what I mean? Because I got my access to the email now. No. The access to the old one. I can't I can't get into the old one. I can only get into the new one. Yeah. Jared Jared Whispeby. No. Just one. Just all one. No spaces in that. At my yahoo dot com. Yeah. M y yeah. M y y a h, double o. Yep. No. Okay. If they send if they send it in the next few days or a week or something, we can just have a look in. There's no urgency to get into it. I feel like I'm gonna draw it out. Do you know what I mean? Okay. Yeah. I've got one at home. Okay. You know, it's fine. Not not. I'm still trying to solve the problem. Yeah. Yeah. Yeah. Pretty close to it. Yeah. Well, I've only got 100 in in now. And about a 150 on the home loan. Yeah. Yep. Oh, that eye cream. What was that? Sorry. No. Not really. Not really. I think that should be fine. Okay. I mean, we haven't seen a I haven't seen a statement from them for a while with the life insurance and stuff like that and and income protection in it. Yeah. Okay. Cool. Yep. K. Yep. Okay. Yeah. I'll be yeah. I'll be better off. Yeah. Yeah. I'll be better off doing that. There's only a 150 on it. So I think if it happens, it has to be paid off anyway. Yeah. We can do that. Yeah. Sure. Yep. No. Not really. Not really. I didn't really get into it and have a good look. You know? Yeah. Probably probably just probably just start the process now. You know what I mean? Mhmm. Okay. Okay. It is fine. It's something like that. You gotta pay tax on all that sort of stuff? You gotta pay tax on all that, aye? Okay. Okay. Okay. Yeah. I was just wondering if Yes. I might just start the pricing plan. No. Not really. I just wanna get in there and have a good look at it all. You know? But I haven't been able to get in there and have a good look at it all. Okay. Yeah. I can. Now it's fine. Yeah. No. No. I can get straight into it. It was fine. It was fine. It was fine. I was just having a look at everything. I was looking at the price and investments and all that, and we was it was actually going quite well for us. That look was going quite well for a while then, and it's still dropping, but didn't it? Yep. Yeah. Okay. Yeah. No. That's fine. No. Not really. What's the power of attorney? Is there somebody who takes care of it all, isn't it? Oh, yeah. Okay. Okay. Yeah. I'll go with me. Yep. Yep. Yep. Nice one. Yes. Okay. That's fine. Have you sent a send an email now? You may have a look. If you could just send, say, like, I don't know. Just send something just to make sure you got the right email address. You just sent something now, did you? Let me just have a look, see if you guys can return. What did you send? It doesn't bounce back. No. Oh, yep. Yep. Got it. Got it. Yep. Yep. It's come through. Yep. It's the right one. Yep. That's fine. 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How you doing, buddy? Yes. Fine. Fine.\n\nJerry Westerby. 12/07/1977. Got it? 085 Bennett Road, Collison. No.\n\nIt's it's it's it's it's it's for the '12 for December. Yep. Mhmm. Yeah. Yeah.\n\nMhmm. Okay. Okay. Okay. Probably probably look at trying to update, though.\n\nI don't know. I've been a while. It's been probably be good to look at that overall. You know what I mean? What was it?\n\nSorry. Yep. No. Yeah. We don't know.\n\nWe don't you don't know what's gonna go on. So it'd probably be a safer option doing that. Yeah. Yeah. It should be fine.\n\nIt could be something like that. No. No. No. No.\n\nKeep going. Keep going. I just don't know what yeah. I've been able to say something because it's all going on and I've gotta last, you know, few weeks till it's gone for ages, mate. You don't know what's gonna go on.\n\nSo I haven't been I haven't been I wait. I haven't been able to get into it because I can't I haven't got my my login number. So I need that login number so I get back into it so I can have a look at it all. So I don't know how it's been performing because I haven't been looking at it. Yep.\n\nYep. Okay. Yeah. I think it's I think it's JWesterbyAt77. I'm not too sure.\n\nYeah. I've got a I've got a new email address now. So I can't I can't reset it because I've got a new email address. Normally, you can reset it, but I can't. Because normally they send us the email address.\n\nYou know what I mean? Because I got my access to the email now. No. The access to the old one. I can't I can't get into the old one.\n\nI can only get into the new one. Yeah. Jared Jared Whispeby. No. Just one.\n\nJust all one. No spaces in that. At my yahoo dot com. Yeah. M y yeah.\n\nM y y a h, double o. Yep. No. Okay. If they send if they send it in the next few days or a week or something, we can just have a look in.\n\nThere's no urgency to get into it. I feel like I'm gonna draw it out. Do you know what I mean? Okay. Yeah.\n\nI've got one at home. Okay. You know, it's fine. Not not. I'm still trying to solve the problem.\n\nYeah. Yeah. Yeah. Pretty close to it. Yeah.\n\nWell, I've only got 100 in in now. And about a 150 on the home loan. Yeah. Yep. Oh, that eye cream.\n\nWhat was that? Sorry. No. Not really. Not really.\n\nI think that should be fine. Okay. I mean, we haven't seen a I haven't seen a statement from them for a while with the life insurance and stuff like that and and income protection in it. Yeah. Okay.\n\nCool. Yep. K. Yep. Okay.\n\nYeah. I'll be yeah. I'll be better off. Yeah. Yeah.\n\nI'll be better off doing that. There's only a 150 on it. So I think if it happens, it has to be paid off anyway. Yeah. We can do that.\n\nYeah. Sure. Yep. No. Not really.\n\nNot really. I didn't really get into it and have a good look. You know? Yeah. Probably probably just probably just start the process now.\n\nYou know what I mean? Mhmm. Okay. Okay. It is fine.\n\nIt's something like that. You gotta pay tax on all that sort of stuff? You gotta pay tax on all that, aye? Okay. Okay.\n\nOkay. Yeah. I was just wondering if Yes. I might just start the pricing plan. No.\n\nNot really. I just wanna get in there and have a good look at it all. You know? But I haven't been able to get in there and have a good look at it all. Okay.\n\nYeah. I can. Now it's fine. Yeah. No.\n\nNo. I can get straight into it. It was fine. It was fine. It was fine.\n\nI was just having a look at everything. I was looking at the price and investments and all that, and we was it was actually going quite well for us. That look was going quite well for a while then, and it's still dropping, but didn't it? Yep. Yeah.\n\nOkay. Yeah. No. That's fine. No.\n\nNot really. What's the power of attorney? Is there somebody who takes care of it all, isn't it? Oh, yeah. Okay.\n\nOkay. Yeah. I'll go with me. Yep. Yep.\n\nYep. Nice one. Yes. Okay. That's fine.\n\nHave you sent a send an email now? You may have a look. If you could just send, say, like, I don't know. Just send something just to make sure you got the right email address. You just sent something now, did you?\n\nLet me just have a look, see if you guys can return. What did you send? It doesn't bounce back. No. Oh, yep.\n\nYep. Got it. Got it. Yep. Yep.\n\nIt's come through. Yep. It's the right one. Yep. That's fine.\n\nYes.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.04583519697189331},{"text":"How you doing, buddy?","start":8.0,"end":9.139999,"sentiment":"neutral","sentiment_score":0.2528681382536888},{"text":"Yes.","start":15.315,"end":15.635,"sentiment":"neutral","sentiment_score":0.16297143697738647},{"text":"Fine.","start":15.635,"end":16.035,"sentiment":"neutral","sentiment_score":0.2305409610271454},{"text":"Fine.","start":16.035,"end":16.535,"sentiment":"neutral","sentiment_score":0.26850783824920654}],"sentiment":"neutral","sentiment_score":0.21491599828004837,"num_words":8,"start":1.5999999,"end":16.535},{"sentences":[{"text":"Jerry Westerby.","start":24.275,"end":25.015,"sentiment":"neutral","sentiment_score":0.024852503091096878},{"text":"12/07/1977.","start":26.755,"end":29.015,"sentiment":"neutral","sentiment_score":0.01916922442615032},{"text":"Got it?","start":35.9,"end":38.24,"sentiment":"neutral","sentiment_score":0.03372113034129143},{"text":"085 Bennett Road, Collison.","start":39.58,"end":41.36,"sentiment":"neutral","sentiment_score":0.023680773098021746},{"text":"No.","start":54.094997,"end":54.335,"sentiment":"neutral","sentiment_score":-0.01812182366847992}],"sentiment":"neutral","sentiment_score":0.0212917760014534,"num_words":10,"start":24.275,"end":54.335},{"sentences":[{"text":"It's it's it's it's it's it's for the '12 for December.","start":54.335,"end":58.515,"sentiment":"neutral","sentiment_score":-0.0072649813360344115},{"text":"Yep.","start":64.54,"end":65.04,"sentiment":"neutral","sentiment_score":-0.12222947925329208},{"text":"Mhmm.","start":86.195,"end":86.695,"sentiment":"neutral","sentiment_score":-0.1013415977358818},{"text":"Yeah.","start":103.785,"end":104.285,"sentiment":"neutral","sentiment_score":-0.2090160846710205},{"text":"Yeah.","start":110.3925,"end":110.8925,"sentiment":"neutral","sentiment_score":-0.08568648993968964}],"sentiment":"neutral","sentiment_score":-0.039879229753084174,"num_words":15,"start":54.335,"end":110.8925},{"sentences":[{"text":"Mhmm.","start":119.16,"end":119.66,"sentiment":"neutral","sentiment_score":-0.28092533349990845},{"text":"Okay.","start":121.32,"end":121.82,"sentiment":"neutral","sentiment_score":-0.12424647808074953},{"text":"Okay.","start":154.4,"end":154.9,"sentiment":"neutral","sentiment_score":0.0354100801050663},{"text":"Okay.","start":158.535,"end":159.035,"sentiment":"neutral","sentiment_score":0.016328224912285805},{"text":"Probably probably look at trying to update, though.","start":166.695,"end":169.195,"sentiment":"neutral","sentiment_score":-0.07276394963264465}],"sentiment":"neutral","sentiment_score":-0.07796209196870525,"num_words":12,"start":119.16,"end":169.195},{"sentences":[{"text":"I don't know.","start":169.255,"end":169.655,"sentiment":"neutral","sentiment_score":-0.10129303733507793},{"text":"I've been a while.","start":169.655,"end":170.455,"sentiment":"neutral","sentiment_score":-0.12457728385925293},{"text":"It's been probably be good to look at that overall.","start":170.455,"end":174.26,"sentiment":"neutral","sentiment_score":-0.019487251341342927},{"text":"You know what I mean?","start":174.26,"end":175.24,"sentiment":"neutral","sentiment_score":-0.031347917020320894},{"text":"What was it?","start":194.075,"end":194.635,"sentiment":"neutral","sentiment_score":-0.04896056527892748}],"sentiment":"neutral","sentiment_score":-0.05202728167176247,"num_words":25,"start":169.255,"end":194.635},{"sentences":[{"text":"Sorry.","start":194.635,"end":195.135,"sentiment":"neutral","sentiment_score":-0.07072664797306061},{"text":"Yep.","start":195.435,"end":195.935,"sentiment":"neutral","sentiment_score":0.11007433384656906},{"text":"No.","start":206.18,"end":206.68,"sentiment":"neutral","sentiment_score":0.11195044219493866},{"text":"Yeah.","start":236.37,"end":236.77,"sentiment":"neutral","sentiment_score":-0.03894631192088127},{"text":"We don't know.","start":236.77,"end":237.25,"sentiment":"neutral","sentiment_score":-0.14748861640691757}],"sentiment":"neutral","sentiment_score":-0.04715914758188384,"num_words":7,"start":194.635,"end":237.25},{"sentences":[{"text":"We don't you don't know what's gonna go on.","start":237.25,"end":239.09,"sentiment":"neutral","sentiment_score":-0.3007269567913479},{"text":"So it'd probably be a safer option doing that.","start":239.09,"end":242.15001,"sentiment":"neutral","sentiment_score":-0.06000696929792563},{"text":"Yeah.","start":288.645,"end":289.145,"sentiment":"neutral","sentiment_score":0.26095592975616455},{"text":"Yeah.","start":289.44,"end":289.6,"sentiment":"neutral","sentiment_score":0.29710832238197327},{"text":"It should be fine.","start":289.6,"end":290.32,"sentiment":"positive","sentiment_score":0.3890775293111801}],"sentiment":"neutral","sentiment_score":-0.04717629022585849,"num_words":24,"start":237.25,"end":290.32},{"sentences":[{"text":"It could be something like that.","start":290.32,"end":291.86002,"sentiment":"neutral","sentiment_score":0.28882616261641186},{"text":"No.","start":297.36002,"end":297.6,"sentiment":"neutral","sentiment_score":-0.2532958388328552},{"text":"No.","start":297.6,"end":297.68002,"sentiment":"negative","sentiment_score":-0.35752928256988525},{"text":"No.","start":297.68002,"end":297.84003,"sentiment":"negative","sentiment_score":-0.4281278252601623},{"text":"No.","start":297.84003,"end":297.92,"sentiment":"negative","sentiment_score":-0.4635428786277771}],"sentiment":"neutral","sentiment_score":0.023046115040779115,"num_words":10,"start":290.32,"end":297.92},{"sentences":[{"text":"Keep going.","start":297.92,"end":298.48,"sentiment":"negative","sentiment_score":-0.403896763920784},{"text":"Keep going.","start":298.48,"end":299.22,"sentiment":"neutral","sentiment_score":-0.21117672324180603},{"text":"I just don't know what yeah.","start":300.0,"end":301.52002,"sentiment":"neutral","sentiment_score":-0.21335693821310997},{"text":"I've been able to say something because it's all going on and I've gotta last, you know, few weeks till it's gone for ages, mate.","start":301.52002,"end":307.505,"sentiment":"neutral","sentiment_score":-0.18768012583255766},{"text":"You don't know what's gonna go on.","start":307.505,"end":309.045,"sentiment":"neutral","sentiment_score":-0.3297992816993168}],"sentiment":"neutral","sentiment_score":-0.2264496838407857,"num_words":42,"start":297.92,"end":309.045},{"sentences":[{"text":"So I haven't been I haven't been I wait.","start":309.425,"end":332.935,"sentiment":"neutral","sentiment_score":-0.21507003075546688},{"text":"I haven't been able to get into it because I can't I haven't got my my login number.","start":332.935,"end":338.555,"sentiment":"neutral","sentiment_score":-0.2187735536135733},{"text":"So I need that login number so I get back into it so I can have a look at it all.","start":340.775,"end":344.875,"sentiment":"neutral","sentiment_score":0.044361917745499385},{"text":"So I don't know how it's been performing because I haven't been looking at it.","start":345.21,"end":348.67,"sentiment":"neutral","sentiment_score":-0.18125092014670371},{"text":"Yep.","start":369.945,"end":370.445,"sentiment":"neutral","sentiment_score":-0.3180108368396759}],"sentiment":"neutral","sentiment_score":-0.12466763450356666,"num_words":64,"start":309.425,"end":370.445},{"sentences":[{"text":"Yep.","start":382.03,"end":382.53,"sentiment":"neutral","sentiment_score":-0.31954479217529297},{"text":"Okay.","start":384.99,"end":385.49,"sentiment":"neutral","sentiment_score":0.050221629440784454},{"text":"Yeah.","start":394.725,"end":394.96503,"sentiment":"neutral","sentiment_score":0.02400213293731213},{"text":"I think it's I think it's JWesterbyAt77.","start":394.96503,"end":398.80502,"sentiment":"neutral","sentiment_score":0.005103023988859994},{"text":"I'm not too sure.","start":398.80502,"end":399.86502,"sentiment":"neutral","sentiment_score":-0.13004836067557335}],"sentiment":"neutral","sentiment_score":-0.05212809318410499,"num_words":14,"start":382.03,"end":399.86502},{"sentences":[{"text":"Yeah.","start":410.49,"end":410.73,"sentiment":"neutral","sentiment_score":0.08788196742534637},{"text":"I've got a I've got a new email address now.","start":410.73,"end":413.15,"sentiment":"neutral","sentiment_score":0.03453199695795774},{"text":"So I can't I can't reset it because I've got a new email address.","start":416.275,"end":419.395,"sentiment":"neutral","sentiment_score":-0.13285658082791738},{"text":"Normally, you can reset it, but I can't.","start":419.395,"end":421.155,"sentiment":"neutral","sentiment_score":-0.13062043767422438},{"text":"Because normally they send us the email address.","start":421.155,"end":423.335,"sentiment":"neutral","sentiment_score":-0.03376567387022078}],"sentiment":"neutral","sentiment_score":-0.06687509968149953,"num_words":41,"start":410.49,"end":423.335},{"sentences":[{"text":"You know what I mean?","start":423.715,"end":424.775,"sentiment":"neutral","sentiment_score":-0.019422674924135207},{"text":"Because I got my access to the email now.","start":426.675,"end":428.85498,"sentiment":"neutral","sentiment_score":-0.010637128725647926},{"text":"No.","start":432.93,"end":433.33,"sentiment":"neutral","sentiment_score":-0.20302650332450867},{"text":"The access to the old one.","start":433.33,"end":434.78998,"sentiment":"neutral","sentiment_score":-0.23506720115741095},{"text":"I can't I can't get into the old one.","start":438.69,"end":440.44998,"sentiment":"neutral","sentiment_score":-0.28512535161442226}],"sentiment":"neutral","sentiment_score":-0.14574684693167608,"num_words":30,"start":423.715,"end":440.44998},{"sentences":[{"text":"I can only get into the new one.","start":440.44998,"end":441.88998,"sentiment":"neutral","sentiment_score":-0.18107610382139683},{"text":"Yeah.","start":441.88998,"end":442.38998,"sentiment":"neutral","sentiment_score":-0.003858601674437523},{"text":"Jared Jared Whispeby.","start":451.105,"end":452.245,"sentiment":"neutral","sentiment_score":0.005827295904358228},{"text":"No.","start":455.7,"end":456.2,"sentiment":"neutral","sentiment_score":-0.07036643475294113},{"text":"Just one.","start":457.94,"end":458.58,"sentiment":"neutral","sentiment_score":-0.04311872087419033}],"sentiment":"neutral","sentiment_score":-0.10610596140225728,"num_words":15,"start":440.44998,"end":458.58},{"sentences":[{"text":"Just all one.","start":458.58,"end":459.62,"sentiment":"neutral","sentiment_score":-0.028746627271175385},{"text":"No spaces in that.","start":459.62,"end":461.0,"sentiment":"neutral","sentiment_score":-0.1009063683450222},{"text":"At my yahoo dot com.","start":461.14,"end":470.61502,"sentiment":"neutral","sentiment_score":0.041302824020385744},{"text":"Yeah.","start":476.595,"end":476.915,"sentiment":"neutral","sentiment_score":0.03986329585313797},{"text":"M y yeah.","start":476.915,"end":477.635,"sentiment":"neutral","sentiment_score":0.02509242296218872}],"sentiment":"neutral","sentiment_score":-0.010513166896998882,"num_words":16,"start":458.58,"end":477.635},{"sentences":[{"text":"M y y a h, double o.","start":477.635,"end":481.795,"sentiment":"neutral","sentiment_score":0.032214559348566194},{"text":"Yep.","start":481.795,"end":482.295,"sentiment":"neutral","sentiment_score":0.06157369539141655},{"text":"No.","start":493.34,"end":493.84,"sentiment":"neutral","sentiment_score":0.03189807012677193},{"text":"Okay.","start":502.665,"end":503.165,"sentiment":"neutral","sentiment_score":0.08588326722383499},{"text":"If they send if they send it in the next few days or a week or something, we can just have a look in.","start":508.905,"end":513.065,"sentiment":"neutral","sentiment_score":0.15261389253040156}],"sentiment":"neutral","sentiment_score":0.11963501085034188,"num_words":34,"start":477.635,"end":513.065},{"sentences":[{"text":"There's no urgency to get into it.","start":513.065,"end":514.74,"sentiment":"neutral","sentiment_score":-0.025053415979657854},{"text":"I feel like I'm gonna draw it out.","start":515.06,"end":516.58,"sentiment":"neutral","sentiment_score":-0.08115112269297242},{"text":"Do you know what I mean?","start":516.58,"end":517.56,"sentiment":"neutral","sentiment_score":-0.03690311250587305},{"text":"Okay.","start":524.42,"end":524.92,"sentiment":"neutral","sentiment_score":0.029923267662525177},{"text":"Yeah.","start":526.98,"end":527.22,"sentiment":"neutral","sentiment_score":0.03815975412726402}],"sentiment":"neutral","sentiment_score":-0.042518197680297104,"num_words":23,"start":513.065,"end":527.22},{"sentences":[{"text":"I've got one at home.","start":527.22,"end":528.44,"sentiment":"neutral","sentiment_score":0.0653780683875084},{"text":"Okay.","start":545.62,"end":545.94,"sentiment":"neutral","sentiment_score":0.22742465138435364},{"text":"You know, it's fine.","start":545.94,"end":547.08,"sentiment":"positive","sentiment_score":0.3397197909653187},{"text":"Not not.","start":565.675,"end":566.235,"sentiment":"neutral","sentiment_score":-0.1764182671904564},{"text":"I'm still trying to solve the problem.","start":566.235,"end":567.855,"sentiment":"neutral","sentiment_score":-0.23836132884025574}],"sentiment":"neutral","sentiment_score":-0.005693246267343822,"num_words":19,"start":527.22,"end":567.855},{"sentences":[{"text":"Yeah.","start":570.93,"end":571.43,"sentiment":"neutral","sentiment_score":0.009340766817331314},{"text":"Yeah.","start":575.41003,"end":575.91003,"sentiment":"neutral","sentiment_score":0.040698081254959106},{"text":"Yeah.","start":579.65,"end":580.15,"sentiment":"neutral","sentiment_score":0.0944015234708786},{"text":"Pretty close to it.","start":580.21,"end":581.09,"sentiment":"neutral","sentiment_score":0.12081704288721085},{"text":"Yeah.","start":581.09,"end":581.59,"sentiment":"neutral","sentiment_score":0.08621670305728912}],"sentiment":"neutral","sentiment_score":0.08924065576866269,"num_words":8,"start":570.93,"end":581.59},{"sentences":[{"text":"Well, I've only got 100 in in now.","start":586.13495,"end":588.235,"sentiment":"neutral","sentiment_score":0.009519210470898543},{"text":"And about a 150 on the home loan.","start":589.25494,"end":592.15497,"sentiment":"neutral","sentiment_score":0.035551699344068766},{"text":"Yeah.","start":598.375,"end":598.875,"sentiment":"neutral","sentiment_score":0.04443453252315521},{"text":"Yep.","start":602.91003,"end":603.41003,"sentiment":"neutral","sentiment_score":0.05211366340517998},{"text":"Oh, that eye cream.","start":606.51,"end":608.05,"sentiment":"neutral","sentiment_score":0.06775324512273073}],"sentiment":"neutral","sentiment_score":0.03309674795177257,"num_words":22,"start":586.13495,"end":608.05},{"sentences":[{"text":"What was that?","start":623.98,"end":624.45996,"sentiment":"neutral","sentiment_score":-0.05251622200012207},{"text":"Sorry.","start":624.45996,"end":624.95996,"sentiment":"neutral","sentiment_score":-0.14637385308742523},{"text":"No.","start":628.69995,"end":628.94,"sentiment":"neutral","sentiment_score":-0.1969965100288391},{"text":"Not really.","start":628.94,"end":629.68,"sentiment":"neutral","sentiment_score":-0.270417183637619},{"text":"Not really.","start":629.81995,"end":630.56,"sentiment":"neutral","sentiment_score":-0.27709873020648956}],"sentiment":"neutral","sentiment_score":-0.17732787297831643,"num_words":9,"start":623.98,"end":630.56},{"sentences":[{"text":"I think that should be fine.","start":633.18,"end":634.63995,"sentiment":"neutral","sentiment_score":-0.07538221590220928},{"text":"Okay.","start":636.245,"end":636.405,"sentiment":"neutral","sentiment_score":-0.0321572981774807},{"text":"I mean, we haven't seen a I haven't seen a statement from them for a while with the life insurance and stuff like that and and income protection in it.","start":636.405,"end":645.945,"sentiment":"neutral","sentiment_score":-0.14056304978827636},{"text":"Yeah.","start":660.12,"end":660.44,"sentiment":"neutral","sentiment_score":0.07844439893960953},{"text":"Okay.","start":660.44,"end":660.83997,"sentiment":"neutral","sentiment_score":0.24468646943569183}],"sentiment":"neutral","sentiment_score":-0.11226182612471092,"num_words":39,"start":633.18,"end":660.83997},{"sentences":[{"text":"Cool.","start":660.83997,"end":661.33997,"sentiment":"neutral","sentiment_score":0.3282220959663391},{"text":"Yep.","start":663.0,"end":663.5,"sentiment":"neutral","sentiment_score":0.08029013127088547},{"text":"K.","start":683.61,"end":684.11,"sentiment":"neutral","sentiment_score":0.04375333711504936},{"text":"Yep.","start":686.49,"end":686.99,"sentiment":"neutral","sentiment_score":0.08686041086912155},{"text":"Okay.","start":696.745,"end":697.245,"sentiment":"neutral","sentiment_score":0.11197027564048768}],"sentiment":"neutral","sentiment_score":0.13021925017237662,"num_words":5,"start":660.83997,"end":697.245},{"sentences":[{"text":"Yeah.","start":709.81,"end":710.05005,"sentiment":"neutral","sentiment_score":0.05168219655752182},{"text":"I'll be yeah.","start":710.05005,"end":710.69,"sentiment":"neutral","sentiment_score":0.052349597215652466},{"text":"I'll be better off.","start":710.69,"end":711.49,"sentiment":"neutral","sentiment_score":-0.11467037536203861},{"text":"Yeah.","start":711.49,"end":711.97003,"sentiment":"neutral","sentiment_score":0.07315867394208908},{"text":"Yeah.","start":711.97003,"end":712.21,"sentiment":"neutral","sentiment_score":0.06449168175458908}],"sentiment":"neutral","sentiment_score":-0.011230015754699707,"num_words":10,"start":709.81,"end":712.21},{"sentences":[{"text":"I'll be better off doing that.","start":712.21,"end":713.75,"sentiment":"neutral","sentiment_score":-0.05862033615509669},{"text":"There's only a 150 on it.","start":714.61005,"end":716.29004,"sentiment":"neutral","sentiment_score":-0.04323084900776545},{"text":"So I think if it happens, it has to be paid off anyway.","start":716.29004,"end":718.95,"sentiment":"neutral","sentiment_score":-0.04965450012913117},{"text":"Yeah.","start":739.41003,"end":739.65,"sentiment":"neutral","sentiment_score":0.07988744229078293},{"text":"We can do that.","start":739.65,"end":740.63,"sentiment":"neutral","sentiment_score":0.12344656698405743}],"sentiment":"neutral","sentiment_score":-0.022764730080962182,"num_words":30,"start":712.21,"end":740.63},{"sentences":[{"text":"Yeah.","start":767.12,"end":767.44,"sentiment":"neutral","sentiment_score":0.2499957978725433},{"text":"Sure.","start":767.44,"end":767.83997,"sentiment":"neutral","sentiment_score":0.18933559954166412},{"text":"Yep.","start":767.83997,"end":768.33997,"sentiment":"neutral","sentiment_score":0.11004924029111862},{"text":"No.","start":774.16,"end":774.48,"sentiment":"neutral","sentiment_score":-0.20704928040504456},{"text":"Not really.","start":774.48,"end":775.22,"sentiment":"neutral","sentiment_score":-0.23842892795801163}],"sentiment":"neutral","sentiment_score":-0.022421083102623623,"num_words":6,"start":767.12,"end":775.22},{"sentences":[{"text":"Not really.","start":776.32,"end":777.14,"sentiment":"neutral","sentiment_score":-0.22191888093948364},{"text":"I didn't really get into it and have a good look.","start":778.545,"end":780.545,"sentiment":"neutral","sentiment_score":0.2193522812290625},{"text":"You know?","start":780.545,"end":781.205,"sentiment":"neutral","sentiment_score":0.110858254134655},{"text":"Yeah.","start":791.37994,"end":791.62,"sentiment":"neutral","sentiment_score":0.056323401629924774},{"text":"Probably probably just probably just start the process now.","start":791.62,"end":794.212,"sentiment":"neutral","sentiment_score":0.04935241490602493}],"sentiment":"neutral","sentiment_score":0.10764995902776718,"num_words":25,"start":776.32,"end":794.212},{"sentences":[{"text":"You know what I mean?","start":794.212,"end":794.83997,"sentiment":"neutral","sentiment_score":0.02569037415087223},{"text":"Mhmm.","start":802.01996,"end":802.51996,"sentiment":"neutral","sentiment_score":0.17867213487625122},{"text":"Okay.","start":816.375,"end":816.875,"sentiment":"neutral","sentiment_score":0.1098932921886444},{"text":"Okay.","start":818.055,"end":818.53503,"sentiment":"neutral","sentiment_score":0.0995246171951294},{"text":"It is fine.","start":818.53503,"end":819.515,"sentiment":"neutral","sentiment_score":0.06726525599757831}],"sentiment":"neutral","sentiment_score":0.0653034257279201,"num_words":11,"start":794.212,"end":819.515},{"sentences":[{"text":"It's something like that.","start":830.33,"end":831.63,"sentiment":"neutral","sentiment_score":-0.08646558038890362},{"text":"You gotta pay tax on all that sort of stuff?","start":833.05,"end":835.305,"sentiment":"neutral","sentiment_score":-0.12694606333971023},{"text":"You gotta pay tax on all that, aye?","start":835.385,"end":837.005,"sentiment":"neutral","sentiment_score":-0.12874085269868374},{"text":"Okay.","start":844.745,"end":845.245,"sentiment":"neutral","sentiment_score":-0.026535488665103912},{"text":"Okay.","start":847.385,"end":847.885,"sentiment":"neutral","sentiment_score":-0.09311074018478394}],"sentiment":"neutral","sentiment_score":-0.11520400022466977,"num_words":24,"start":830.33,"end":847.885},{"sentences":[{"text":"Okay.","start":858.64,"end":859.14,"sentiment":"neutral","sentiment_score":0.09005536139011383},{"text":"Yeah.","start":867.575,"end":867.815,"sentiment":"neutral","sentiment_score":0.060617897659540176},{"text":"I was just wondering if Yes.","start":867.815,"end":870.535,"sentiment":"neutral","sentiment_score":0.033560809679329395},{"text":"I might just start the pricing plan.","start":870.535,"end":872.555,"sentiment":"neutral","sentiment_score":0.0639820285141468},{"text":"No.","start":880.32,"end":880.64,"sentiment":"neutral","sentiment_score":-0.06016336381435394}],"sentiment":"neutral","sentiment_score":0.046234309556894004,"num_words":16,"start":858.64,"end":880.64},{"sentences":[{"text":"Not really.","start":880.64,"end":881.12,"sentiment":"neutral","sentiment_score":-0.08455881103873253},{"text":"I just wanna get in there and have a good look at it all.","start":881.12,"end":883.2,"sentiment":"neutral","sentiment_score":-0.0017741146896566664},{"text":"You know?","start":883.2,"end":883.6,"sentiment":"neutral","sentiment_score":-0.04468380566686392},{"text":"But I haven't been able to get in there and have a good look at it all.","start":883.6,"end":886.26,"sentiment":"neutral","sentiment_score":-0.04648717295597581},{"text":"Okay.","start":902.90497,"end":903.065,"sentiment":"neutral","sentiment_score":0.12888175249099731}],"sentiment":"neutral","sentiment_score":-0.02624230630074938,"num_words":36,"start":880.64,"end":903.065},{"sentences":[{"text":"Yeah.","start":903.065,"end":903.305,"sentiment":"neutral","sentiment_score":0.15270458161830902},{"text":"I can.","start":903.305,"end":903.70496,"sentiment":"neutral","sentiment_score":0.20232455432415009},{"text":"Now it's fine.","start":903.70496,"end":904.605,"sentiment":"neutral","sentiment_score":0.2793186902999878},{"text":"Yeah.","start":919.14,"end":919.64,"sentiment":"neutral","sentiment_score":0.15988318622112274},{"text":"No.","start":930.185,"end":930.585,"sentiment":"neutral","sentiment_score":-0.028623463585972782}],"sentiment":"neutral","sentiment_score":0.19082118547521532,"num_words":8,"start":903.065,"end":930.585},{"sentences":[{"text":"No.","start":930.585,"end":930.74506,"sentiment":"neutral","sentiment_score":-0.04191496223211289},{"text":"I can get straight into it.","start":930.74506,"end":931.78503,"sentiment":"neutral","sentiment_score":0.0006270551433165868},{"text":"It was fine.","start":931.78503,"end":932.60504,"sentiment":"neutral","sentiment_score":0.2112791339556376},{"text":"It was fine.","start":933.385,"end":933.43304,"sentiment":"neutral","sentiment_score":0.2530963470538457},{"text":"It was fine.","start":933.43304,"end":933.965,"sentiment":"neutral","sentiment_score":0.2083684504032135}],"sentiment":"neutral","sentiment_score":0.12375494767911732,"num_words":16,"start":930.585,"end":933.965},{"sentences":[{"text":"I was just having a look at everything.","start":934.10504,"end":935.34503,"sentiment":"neutral","sentiment_score":-0.010728986468166113},{"text":"I was looking at the price and investments and all that, and we was it was actually going quite well for us.","start":935.34503,"end":941.24,"sentiment":"neutral","sentiment_score":0.1957720968533646},{"text":"That look was going quite well for a while then, and it's still dropping, but didn't it?","start":942.02,"end":945.96,"sentiment":"neutral","sentiment_score":-0.04597512742175775},{"text":"Yep.","start":991.885,"end":992.28,"sentiment":"neutral","sentiment_score":0.11944705247879028},{"text":"Yeah.","start":997.80005,"end":998.04004,"sentiment":"neutral","sentiment_score":0.1129087060689926}],"sentiment":"neutral","sentiment_score":0.07493740472258353,"num_words":49,"start":934.10504,"end":998.04004},{"sentences":[{"text":"Okay.","start":998.04004,"end":998.52,"sentiment":"neutral","sentiment_score":0.11930754035711288},{"text":"Yeah.","start":998.52,"end":998.68005,"sentiment":"neutral","sentiment_score":0.11829522997140884},{"text":"No.","start":998.68005,"end":998.92004,"sentiment":"neutral","sentiment_score":0.1300659030675888},{"text":"That's fine.","start":998.92004,"end":999.58,"sentiment":"neutral","sentiment_score":0.2192331776022911},{"text":"No.","start":1005.145,"end":1005.385,"sentiment":"neutral","sentiment_score":-0.10467825829982758}],"sentiment":"neutral","sentiment_score":0.11690946171681087,"num_words":6,"start":998.04004,"end":1005.385},{"sentences":[{"text":"Not really.","start":1005.385,"end":1005.78503,"sentiment":"neutral","sentiment_score":-0.09670739620923996},{"text":"What's the power of attorney?","start":1005.78503,"end":1006.905,"sentiment":"neutral","sentiment_score":-0.06699403077363968},{"text":"Is there somebody who takes care of it all, isn't it?","start":1006.905,"end":1009.005,"sentiment":"neutral","sentiment_score":-0.030014765533533962},{"text":"Oh, yeah.","start":1019.455,"end":1019.945,"sentiment":"neutral","sentiment_score":0.020433098077774048},{"text":"Okay.","start":1019.945,"end":1020.445,"sentiment":"neutral","sentiment_score":0.12649179995059967}],"sentiment":"neutral","sentiment_score":-0.03291377957378115,"num_words":21,"start":1005.385,"end":1020.445},{"sentences":[{"text":"Okay.","start":1032.88,"end":1033.38,"sentiment":"neutral","sentiment_score":0.17658641934394836},{"text":"Yeah.","start":1033.505,"end":1033.5851,"sentiment":"neutral","sentiment_score":0.17312964797019958},{"text":"I'll go with me.","start":1033.5851,"end":1034.385,"sentiment":"neutral","sentiment_score":0.1773637756705284},{"text":"Yep.","start":1034.385,"end":1034.7051,"sentiment":"neutral","sentiment_score":0.12368912994861604},{"text":"Yep.","start":1034.7051,"end":1035.1051,"sentiment":"neutral","sentiment_score":0.12583862245082855}],"sentiment":"neutral","sentiment_score":0.16358736529946327,"num_words":8,"start":1032.88,"end":1035.1051},{"sentences":[{"text":"Yep.","start":1035.1051,"end":1035.185,"sentiment":"neutral","sentiment_score":0.26592156291007996},{"text":"Nice one.","start":1035.185,"end":1036.5651,"sentiment":"positive","sentiment_score":0.38293400779366493},{"text":"Yes.","start":1048.77,"end":1049.27,"sentiment":"neutral","sentiment_score":0.00307508185505867},{"text":"Okay.","start":1054.05,"end":1054.53,"sentiment":"neutral","sentiment_score":0.16521760821342468},{"text":"That's fine.","start":1054.53,"end":1055.3501,"sentiment":"neutral","sentiment_score":0.25757575780153275}],"sentiment":"neutral","sentiment_score":0.24503339773842267,"num_words":7,"start":1035.1051,"end":1055.3501},{"sentences":[{"text":"Have you sent a send an email now?","start":1071.125,"end":1072.805,"sentiment":"neutral","sentiment_score":-0.0009641373762860894},{"text":"You may have a look.","start":1072.805,"end":1073.605,"sentiment":"neutral","sentiment_score":0.010290414839982987},{"text":"If you could just send, say, like, I don't know.","start":1073.605,"end":1075.525,"sentiment":"neutral","sentiment_score":-0.006578579545021057},{"text":"Just send something just to make sure you got the right email address.","start":1075.525,"end":1078.89,"sentiment":"neutral","sentiment_score":-0.004102514770168524},{"text":"You just sent something now, did you?","start":1116.68,"end":1118.505,"sentiment":"neutral","sentiment_score":0.0962304100394249}],"sentiment":"neutral","sentiment_score":0.013912403674493002,"num_words":43,"start":1071.125,"end":1118.505},{"sentences":[{"text":"Let me just have a look, see if you guys can return.","start":1134.76,"end":1136.94,"sentiment":"neutral","sentiment_score":0.09013450021545093},{"text":"What did you send?","start":1153.1951,"end":1154.415,"sentiment":"neutral","sentiment_score":0.002251909114420414},{"text":"It doesn't bounce back.","start":1162.4501,"end":1163.67,"sentiment":"neutral","sentiment_score":-0.15185446850955486},{"text":"No.","start":1164.21,"end":1164.71,"sentiment":"neutral","sentiment_score":-0.2762508988380432},{"text":"Oh, yep.","start":1169.09,"end":1169.81,"sentiment":"neutral","sentiment_score":0.02310445625334978}],"sentiment":"neutral","sentiment_score":0.011007033855370853,"num_words":23,"start":1134.76,"end":1169.81},{"sentences":[{"text":"Yep.","start":1169.81,"end":1170.13,"sentiment":"neutral","sentiment_score":0.07335588335990906},{"text":"Got it.","start":1170.13,"end":1170.87,"sentiment":"neutral","sentiment_score":0.09644369035959244},{"text":"Got it.","start":1172.0651,"end":1172.385,"sentiment":"neutral","sentiment_score":0.11285857111215591},{"text":"Yep.","start":1172.385,"end":1172.625,"sentiment":"neutral","sentiment_score":0.13471606373786926},{"text":"Yep.","start":1172.625,"end":1172.785,"sentiment":"neutral","sentiment_score":0.18535655736923215}],"sentiment":"neutral","sentiment_score":0.11600471820150103,"num_words":7,"start":1169.81,"end":1172.785},{"sentences":[{"text":"It's come through.","start":1172.785,"end":1173.345,"sentiment":"neutral","sentiment_score":0.25249220927556354},{"text":"Yep.","start":1173.345,"end":1173.5851,"sentiment":"neutral","sentiment_score":0.29039400815963745},{"text":"It's the right one.","start":1173.5851,"end":1174.485,"sentiment":"positive","sentiment_score":0.4312884211540222},{"text":"Yep.","start":1191.94,"end":1192.4199,"sentiment":"neutral","sentiment_score":0.0928676575422287},{"text":"That's fine.","start":1192.4199,"end":1193.32,"sentiment":"neutral","sentiment_score":0.2095128893852234}],"sentiment":"neutral","sentiment_score":0.29862888699228113,"num_words":11,"start":1172.785,"end":1193.32},{"sentences":[{"text":"Yes.","start":1215.045,"end":1215.545,"sentiment":"neutral","sentiment_score":0.23976828157901764}],"sentiment":"neutral","sentiment_score":0.23976828157901764,"num_words":1,"start":1215.045,"end":1215.545}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Jared. It's Carl calling from Oakview Financial. How are you?\n\nChannel 1: How you doing, buddy?\n\nChannel 0: Not too bad at all. Thanks. IG, you're scheduling for your six month follow-up. Is now still a good time for you?\n\nChannel 1: Yes. Fine. Fine.\n\nChannel 0: Perfect. Just to jump into that one today, Lejrat, if I could pass through security with that name, date of birth, and Kronos, we can get started on that one.\n\nChannel 1: Jerry Westerby. 12/07/1977.\n\nChannel 0: Yeah. Let me let me just do a check that.\n\nChannel 1: Got\n\nChannel 0: Yeah. And your your your current address\n\nChannel 1: it?\n\nChannel 0: as well there. Sorry, Joe.\n\nChannel 1: 085 Bennett Road, Collison.\n\nChannel 0: Perfect. Thank you for that. And then with your your birthday there, you said the December 1, was it? 1970\n\nChannel 1: No.\n\nChannel 0: '7?\n\nChannel 1: It's it's it's it's it's it's for the\n\nChannel 0: Oh,\n\nChannel 1: '12\n\nChannel 0: seven.\n\nChannel 1: for December.\n\nChannel 0: Yeah. Okay. Perfect. I just misheard you wrong. Sorry.\n\nI was just doing a double quick double take, but that\n\nChannel 1: Yep.\n\nChannel 0: just was the the crackle over the phone, so my apologies. So the reason why I called you out, obviously, it's can't be at your six months review there. I know the last time we spoke during your annual review, we did sort of have a discussion around Benelung, how it was performing, and that it was sort of underperforming at the time. Now in regards to that specific asset, it has continued to underperform,\n\nChannel 1: Mhmm.\n\nChannel 0: which overall hasn't impacted your portfolio a whole heap because it is more of a satellite investment. Your portfolio is still, like, tracking quite well. As far as, like, a twelve month performance still from, like, today's date, it's still sitting after fees around 9.13% in terms of a return, but Benelon\n\nChannel 1: Yeah.\n\nChannel 0: itself is down about 19% given not only the market conditions with what's happening, you know, with the war in Iran and politically\n\nChannel 1: Yeah.\n\nChannel 0: and things like that as well, but they had an underlying asset that wasn't reporting correctly, and as a result, Bennelong had to reevaluate that stock, which caused it to go down\n\nChannel 1: Mhmm.\n\nChannel 0: a bit further. Now the\n\nChannel 1: Okay.\n\nChannel 0: options with that one there, Jared, is the investment committee has decided to move away from Bennelong entirely, and they don't really have conviction in it long term as well. Given that your portfolio is tracking quite well, there is the option just to remove that investment and replace it with the investment committee's replacement of the a 200, which is the Australian top 200 companies index. Now that mean it wouldn't be a fund. You'd be moving away from that and be more of an index approach, but it's a cheaper option. Its performance is tracked a bit better with not having that manager risk and\n\nChannel 1: Okay.\n\nChannel 0: just tracking what the Australian market's doing in general,\n\nChannel 1: Okay.\n\nChannel 0: or we can look to review the whole entire portfolio and do a bit of an update there for you, which will take a bit longer.\n\nChannel 1: Probably probably look at trying to update, though. I don't know. I've been a while. It's been probably be good to look at that overall. You know what I mean?\n\nChannel 0: Yeah. Completely understand. As I said, it will take a little bit longer. Like, you have been on board since the 2022 mark, and since you came on board, like, it's been tracking quite well. Obviously, that one investment hasn't obviously tracked too well, but I'll get you your since inception performance.\n\nJust\n\nChannel 1: What\n\nChannel 0: bear\n\nChannel 1: was\n\nChannel 0: with\n\nChannel 1: it?\n\nChannel 0: me.\n\nChannel 1: Sorry.\n\nChannel 0: Sorry.\n\nChannel 1: Yep.\n\nChannel 0: So since you came on board, your rate of return on average has been around 7.92% each year, like, in terms of, like,\n\nChannel 1: No.\n\nChannel 0: the the ups after fees, which is in line with your your portfolio. So it has still sort of met those expectations as the portfolio, but more than happy to review it as a whole. Now with that one there, Jared, given that we are reviewing everything, are you happy, like, maintaining a level of active management within that portfolio? Did you wanna look to be a bit more of a cheaper, more passive with everything that is going on in the world to not have that manager risk? Or\n\nChannel 1: Yeah. We don't know. We don't you don't know what's gonna go on. So it'd probably be a safer option doing that.\n\nChannel 0: Yeah. Because that that is an option just to review that as a whole and just not having those active managers moving forward. Obviously, the other fund you did have that was actively managed within that did perform quite well. But given, you know, the other fund that was actively managed performed quite poorly, it kind of balances out in terms of, like, having that active management. Now over the the short term periods of times and things like that, they can have the ability to outperform those markets, especially when there are gaps with everything going on, but it is very easy to also pick the wrong winners like much like what Benelon and occurred with that one and go the other way.\n\nSo more than happy to look at a more passive update there for you to illustrate, you know, moving forward and just having those cheaper index investment that try to track those markets moving forward for you, if that's what you'd like.\n\nChannel 1: Yeah. Yeah. It should be fine. It could be something like that.\n\nChannel 0: Yep. Obviously, you'll have a chance to review it as well. But yeah. And what was that\n\nChannel 1: No. No. No. No. Keep going.\n\nChannel 0: further?\n\nChannel 1: Keep going. I\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: So\n\nChannel 1: don't know what yeah. I've been able to say something because it's all going on and I've gotta last, you know, few weeks till it's gone for ages, mate. You don't know what's gonna go on. So\n\nChannel 0: Yeah. And in saying that even with everything that has occurred, like, obviously, your portfolio has taken a bit of a dip sort of the past few months with what happened in the war, but still over that period of time, it's still, like, tracking quite nicely in terms of, like, its returns. Obviously, it could have been a bit higher if this didn't occur. The main concern was that Benelong investment, but more than happy to review\n\nChannel 1: I haven't\n\nChannel 0: it\n\nChannel 1: been\n\nChannel 0: entire.\n\nChannel 1: I haven't been I wait. I haven't been able to get into it because I can't I haven't\n\nChannel 0: Okay.\n\nChannel 1: got my my login number. So\n\nChannel 0: Yep.\n\nChannel 1: I need that login number so I get back into it so I can have a look at it all. So\n\nChannel 0: And\n\nChannel 1: I don't\n\nChannel 0: not\n\nChannel 1: know\n\nChannel 0: a\n\nChannel 1: how\n\nChannel 0: problem.\n\nChannel 1: it's been performing because I haven't been looking at it.\n\nChannel 0: Okay. Yeah. So, like, as I said, like, on average, just, like, since in inception, it's close to that 8% on average. And then over a twelve month period, it's still up, like, 9.13% even though for the past, like, it's probably getting closer to, you know, the the four month mark of, like, performance. It's been quite stagnant in terms of what has\n\nChannel 1: Yep.\n\nChannel 0: occurred because there's been a bit of up and a bit of a down, and then there was the war as well. But it is still tracking sort of on par with what the market themselves are doing. It's not just to say that you're the only one that's sorta, like, stagnant\n\nChannel 1: Yep.\n\nChannel 0: in those times with what everything that is going on.\n\nChannel 1: Okay.\n\nChannel 0: I can send let me just confirm your client details there. Because do you remember your password and everything as well there, Jared?\n\nChannel 1: Yeah. I think it's I think it's JWesterbyAt77. I'm not too sure.\n\nChannel 0: Because I can just send you a password reset there. And then with that one, I believe it will go to your email, which will be jared wesley at rocket mail dot com. Is\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I've\n\nChannel 0: still\n\nChannel 1: got\n\nChannel 0: the most\n\nChannel 1: a I've\n\nChannel 0: up\n\nChannel 1: got\n\nChannel 0: to\n\nChannel 1: a new email address now.\n\nChannel 0: okay. And do you have\n\nChannel 1: So\n\nChannel 0: access\n\nChannel 1: I can't\n\nChannel 0: to that\n\nChannel 1: I\n\nChannel 0: old\n\nChannel 1: can't\n\nChannel 0: one?\n\nChannel 1: reset it because I've got a new email address. Normally, you can reset it, but I can't. Because normally they send\n\nChannel 0: Yeah.\n\nChannel 1: us the email address. You know\n\nChannel 0: Yeah.\n\nChannel 1: what I mean?\n\nChannel 0: Correct.\n\nChannel 1: Because I got\n\nChannel 0: I\n\nChannel 1: my\n\nChannel 0: can\n\nChannel 1: access\n\nChannel 0: do\n\nChannel 1: to the email now.\n\nChannel 0: it you have access to the old email or to the new\n\nChannel 1: No. The access to the old one.\n\nChannel 0: Okay. You say you can get into it. Sorry?\n\nChannel 1: I can't I can't get into the old one. I can only get into the new one. Yeah.\n\nChannel 0: Okay. Yeah. So we can do a change of details form, and I can get your email address updated. Now what would be your new email address there, Joe?\n\nChannel 1: Jared Jared Whispeby.\n\nChannel 0: No dots or anything like that?\n\nChannel 1: No. Just\n\nChannel 0: Yep.\n\nChannel 1: one. Just all one. No spaces in that. At\n\nChannel 0: Yep. Yep.\n\nChannel 1: my yahoo\n\nChannel 0: Yep.\n\nChannel 1: dot com.\n\nChannel 0: So my yahoo is in m y y a\n\nChannel 1: Yeah. M\n\nChannel 0: h,\n\nChannel 1: y\n\nChannel 0: double\n\nChannel 1: yeah.\n\nChannel 0: o,\n\nChannel 1: M y y a h, double o. Yep.\n\nChannel 0: dot com. And there's no dot between the my and the yahoo? Not a problem. I'll get them organized that to get that change of details. Because as you\n\nChannel 1: No.\n\nChannel 0: said, just for security purposes and that they do use your email. And then from there, we can send out a password reset for you. The only way\n\nChannel 1: Okay.\n\nChannel 0: you could probably get in earlier is if you maybe sort of contacted Hub Hub twenty\n\nChannel 1: If\n\nChannel 0: four\n\nChannel 1: they send\n\nChannel 0: directly.\n\nChannel 1: if they send it in the next few days or a week or something, we can just have a look in. There's no urgency to get into it. I\n\nChannel 0: Okay.\n\nChannel 1: feel\n\nChannel 0: Because\n\nChannel 1: like I'm\n\nChannel 0: we'll\n\nChannel 1: gonna\n\nChannel 0: have\n\nChannel 1: draw\n\nChannel 0: to\n\nChannel 1: it out. Do you know what I mean?\n\nChannel 0: yeah. Okay. Because we'll have to send the change of details form once that's completed for you. Do you\n\nChannel 1: Okay.\n\nChannel 0: have access to a printer as well? Sorry.\n\nChannel 1: Yeah. I've got one at home.\n\nChannel 0: Printer. Perfect. Because we can email you that form. And then once that's completed, you send that back. We can get that updated with Hub there.\n\nAnd then from there, you can utilize that, but we'll do a password reset, and then they'll be able to sort of reset that email for you as well.\n\nChannel 1: Okay. You know, it's fine.\n\nChannel 0: Perfect. Now as far as your details and everything is concerned, just because we are going to advise now with that update there, Jared, and just doing a a refresh of it, have anything changed in regards, like, your goals, your occupation, liabilities, anything like that?\n\nChannel 1: Not not. I'm still trying to solve the problem.\n\nChannel 0: Same job, same income, everything\n\nChannel 1: Yeah.\n\nChannel 0: largely unchanged. Even with the the figures with your debt and everything like that, largely unchanged.\n\nChannel 1: Yeah.\n\nChannel 0: Still around 160 on the mortgage and 100 in the offset.\n\nChannel 1: Yeah. Pretty close to it. Yeah.\n\nChannel 0: Yep. Any change in your savings much at all?\n\nChannel 1: Well, I've only got 100 in in now. And about a 150 on the home loan.\n\nChannel 0: So a 100 in the offset and $1.50 on the home\n\nChannel 1: Yeah.\n\nChannel 0: And do you have your separate daily spending account still as well?\n\nChannel 1: Yep.\n\nChannel 0: And how much do you have on that one roughly at the moment?\n\nChannel 1: Oh, that eye cream.\n\nChannel 0: Yep. Perfect. Now in regards to anything else, sir, because obviously, you do have your insurance cover there as well. Jared, are you still happy with those benefits amounts? Did you wanna review that at all at the moment?\n\nChannel 1: What was that? Sorry.\n\nChannel 0: Your insurances or anything like that, Did you wanna review\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: Not\n\nChannel 0: as well?\n\nChannel 1: really. Not really. I think that should be fine.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. I\n\nChannel 0: Because\n\nChannel 1: mean, we\n\nChannel 0: obvious\n\nChannel 1: haven't seen a I haven't seen a statement from them for a while with the life insurance and stuff like that and and income protection in it.\n\nChannel 0: yes. You've got the life, the total parent disability, and the income protection cover there as well. Now with that one, I can send you a copy just via email of your your COC so you can have a look at that\n\nChannel 1: Yeah. Okay. Cool.\n\nChannel 0: one if you'd like.\n\nChannel 1: Yep.\n\nChannel 0: But with that so currently, they're sorry. I'll just bring it up in front of me there. Bear with me. Yep. So you've got around one point well, $1,164,870 worth of\n\nChannel 1: K.\n\nChannel 0: life and same for the total parent disability, and your income protection\n\nChannel 1: Yep.\n\nChannel 0: amount is around the $6,361 a monthly benefit if anything was happened. And then it's a ninety day waiting period and a two year benefit period for that one. So\n\nChannel 1: Okay.\n\nChannel 0: in regards to level of debt you hold, you probably could look at reducing the life and t p the amount if you're happy still holding that. As long as you're aware of the cost being around that $4,750 before the 15% rebate\n\nChannel 1: Yeah. I'll be yeah. I'll be better off. Yeah. Yeah.\n\nI'll be better off doing that. There's only a 150 on it. So I think if it happens, it has\n\nChannel 0: and\n\nChannel 1: to be paid off anyway.\n\nChannel 0: yeah. The other thing is just to be mindful too. It's like if you are sort of you know, your income contributed to the household, being that you do have younger children, having a bit more income replacement isn't a bad thing as well. But we can look at risk of reduction amounts for that if you'd like just to\n\nChannel 1: Yeah. We can do that.\n\nChannel 0: sort of what that might look like. Yeah. Not a problem. And I'll just bring up your risk profile and just confirm that one there for you. Obviously, you know, it hasn't been too long, but I'd just like to confirm everything.\n\nSo you did come out as a growth investor, and you're about that you're invested in the growth portfolio now about that 8020 split. Are you still comfortable with that of having those growth defensive assets given your time to retire\n\nChannel 1: Yeah. Sure. Yep.\n\nChannel 0: and everything? Yep. Do you have any questions regarding your risk profile or anything like that?\n\nChannel 1: No. Not really. Not really.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Not a\n\nChannel 1: didn't really\n\nChannel 0: problem.\n\nChannel 1: get into it and have a good look. You know?\n\nChannel 0: Yep. Did you want me to sort of get this stuff sorted and then have another conversation with you? Are you happy for us to start this process now, or do you want me to do the the change of\n\nChannel 1: Yeah.\n\nChannel 0: detail\n\nChannel 1: Probably\n\nChannel 0: stuff\n\nChannel 1: probably\n\nChannel 0: and\n\nChannel 1: just probably just start the process now. You know what I mean?\n\nChannel 0: yep. That's not a problem. I'll following this call, I'll email you a copy of your certificate of currency.\n\nChannel 1: Mhmm.\n\nChannel 0: And then from there, I'll get a colleague of mine to organize that change of details there for you. And then from there, we'll do some research on your investment and then also in regards to reduction in your insurances as well just to show\n\nChannel 1: Okay.\n\nChannel 0: you what that looks like.\n\nChannel 1: Okay. It is\n\nChannel 0: And if\n\nChannel 1: fine.\n\nChannel 0: anything wants to happen, like, how many years do you reckon you'd wanna sort of replace your income for at the moment? Like, do you reckon sort of seven and seven to a year, ten years, given the sort of kids' ages?\n\nChannel 1: It's something like that. You gotta pay tax on all that\n\nChannel 0: Or\n\nChannel 1: sort of stuff? You gotta pay tax on all that, aye?\n\nChannel 0: Yeah. There's a certain degree of taxes that are associated with, like, total disability payments and drawing those out. Same with,\n\nChannel 1: Okay.\n\nChannel 0: like, when the payments for income protection. As\n\nChannel 1: Okay.\n\nChannel 0: far as, like, the life policy, people can receive, like, majority of those funds tax free if they're, like, dependents and spouses and things like that. But that doesn't really affect you because you you wouldn't be around anyway, if that\n\nChannel 1: Okay.\n\nChannel 0: makes sense. Yeah. Yeah. Exactly.\n\nChannel 1: Yeah. I was just wondering if Yes. I might just start the pricing plan.\n\nChannel 0: Yep. Not not a problem at all there, Jade. Is there anything else you wanted to address in regards to your advice\n\nChannel 1: No.\n\nChannel 0: at the moment?\n\nChannel 1: Not really. I just wanna get in there and have a good look at it all. You know? But I haven't been able to get in there and have a good look at it all.\n\nChannel 0: Yep. Not a problem. I'll as I said, I'll get the the team on to that today. Hopefully, they can get those forms sorted for you. And then if you have any questions after that, once the form's complete and we submit it to Hub, we can look at doing a password reset for you to be able to get in and have a a look around.\n\nChannel 1: Okay. Yeah. I can. Now it's fine.\n\nChannel 0: Not a problem, Jared. If you don't have any other concerns, we'll limit it purely to sort of just doing the the reduction there for your insurance is just reviewing that, making sure, you know, it's in line with what your needs are currently\n\nChannel 1: Yeah.\n\nChannel 0: and then having a look at the investment update as well. And you're happy largely with Top 24. You don't have any concerns with the platform itself from, like, when you were able to get into it?\n\nChannel 1: No. No. I can get straight into it. It was fine. It was fine.\n\nIt was fine.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: was\n\nChannel 0: think.\n\nChannel 1: just having a look at everything. I was looking at the price and investments and all that, and we was it was actually going quite well for us. That look was going quite well for a while then, and it's still dropping, but didn't it?\n\nChannel 0: Yeah. The January took a bit of a drop there and that was mainly because of Trump and his tariff talk. Since then, it did recover from that quite nicely. And then sort of the back October, November sort of thing, there was the issue with that Benelung underlying asset and then also the conflict overseas as well with the wars, which has caused it to stagnate a little bit. But it's still very much up over the period that you've been on board, so it's still tracking quite nicely over overall for the time you have been invested there.\n\nYeah. We'll limit it to to those things there, and we'll chuck in a little bit about your estate planning matters and getting your beneficiaries and things like that. Making sure up to date. I know you've got Linda there at the moment, so we'll look to maintain\n\nChannel 1: Yep.\n\nChannel 0: those. And then just a reminder to, you know, set up things like wills and power of attorneys and things like that as well for you.\n\nChannel 1: Yeah. Okay. Yeah. No. That's fine.\n\nChannel 0: No problem, Jared. If you don't have anything else for me, do you have any further questions before I let you go?\n\nChannel 1: No. Not really. What's the power of attorney? Is there somebody who takes care of it all, isn't it?\n\nChannel 0: So power of attorney is just like, it can be your spouse. It's just like using conjunction with wills and things like that where if you're incapacitated in any way, that that person can take on the power of\n\nChannel 1: Oh,\n\nChannel 0: attorney\n\nChannel 1: yeah. Okay.\n\nChannel 0: to be able to make decisions for you. So, you know, if you are seriously injured, things like that, it can sort of mean that your, you know, spouse or whoever you sort of elect to can make financial and sort of health related decisions for you as well. And you can even put, like,\n\nChannel 1: Okay. Yeah. I'll\n\nChannel 0: health\n\nChannel 1: go with\n\nChannel 0: care\n\nChannel 1: me.\n\nChannel 0: directive.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Nice one.\n\nChannel 0: And this is a bit of a power that, you know, with things when you get caught involved till, you know, get sort of ability to make financial decisions and things like that people, it can get quite costly. Whereas the power of attorney sort of eliminates that that need\n\nChannel 1: Yes.\n\nChannel 0: if something like that was to occur. So a bit of just a risk mitigation tool.\n\nChannel 1: Okay. That's fine.\n\nChannel 0: Not a problem at all, Jared. Well, we'll get a start on that. I'll get those forms sorta sorta hopefully gets to you by the end of the week there, and you can get on that. Just make sure that the email address change is correct before, like, signing and sending it back, if that's\n\nChannel 1: Have you sent a send an email now? You may have a look. If you could just send, say, like, I don't know. Just send something just to make sure you got the right email address.\n\nChannel 0: right. Oh, yeah. Not a problem. I'll do that now. I'll even oh, actually, I won't check your ZIP code, so just to make sure it is the correct email.\n\nBear with me. Yep. So that should be with you there shortly, and you can just let me know if it does come through.\n\nChannel 1: You just sent something now, did you?\n\nChannel 0: Yeah. Yeah. Something should sort of pop up there if it did go to the right email.\n\nChannel 1: Let me just have a look, see if you guys can return. What did you send?\n\nChannel 0: Just an email that said test and hide, Jared.\n\nChannel 1: It doesn't bounce back. No.\n\nChannel 0: No. It hasn't bounced back.\n\nChannel 1: Oh, yep. Yep. Got it.\n\nChannel 0: It did come through?\n\nChannel 1: Got it. Yep. Yep. It's come through. Yep.\n\nIt's the right one.\n\nChannel 0: Brilliant. Well, I'll send you that secret of currency there for you just to be able to have a look at those insurances there. And feel free to respond to that if you have any questions, concerns, or any sort of amount specifically that you want. Otherwise, we'll sort of base it on some some income replacement, your level of debt, and then offset of your super. Given\n\nChannel 1: Yep.\n\nChannel 0: that the kids\n\nChannel 1: That's\n\nChannel 0: are\n\nChannel 1: fine.\n\nChannel 0: a bit a bit younger and your income is a bit higher, there we can sort of look it might not change a whole heap, but then also, you know, as the kids get older and that, we can look at reducing that a bit more and stuff like that. Because, obviously, if something were to occur, we're not earning an income. It's just nice that there is that protection that, you know, Linda wouldn't have to fund, you know, the kids' education and things like that by by\n\nChannel 1: Yes.\n\nChannel 0: herself. Perfect. Not a problem, Joe. We will get a start on that, and you enjoy the rest of your day. Thanks for your time.\n\nNo problem. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.04583519697189331}],"sentiment":"neutral","sentiment_score":0.04583519697189331,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Good afternoon, Jared.","start":4.0,"end":5.04,"sentiment":"positive","sentiment_score":0.33827634652455646},{"text":"It's Carl calling from Oakview Financial.","start":5.04,"end":6.74,"sentiment":"neutral","sentiment_score":0.2327122688293457},{"text":"How are you?","start":6.7999997,"end":7.54,"sentiment":"neutral","sentiment_score":0.25150224566459656}],"sentiment":"neutral","sentiment_score":0.2638007824619611,"channel":0,"num_words":12,"start":4.0,"end":7.54},{"sentences":[{"text":"How you doing, buddy?","start":8.0,"end":9.139999,"sentiment":"neutral","sentiment_score":0.2528681382536888}],"sentiment":"neutral","sentiment_score":0.2528681382536888,"channel":1,"num_words":4,"start":8.0,"end":9.139999},{"sentences":[{"text":"Not too bad at all.","start":9.92,"end":10.8,"sentiment":"positive","sentiment_score":0.34412166476249695},{"text":"Thanks.","start":10.8,"end":11.12,"sentiment":"positive","sentiment_score":0.5761253237724304},{"text":"IG, you're scheduling for your six month follow-up.","start":11.12,"end":13.015,"sentiment":"neutral","sentiment_score":0.27076961658895016},{"text":"Is now still a good time for you?","start":13.015,"end":14.555,"sentiment":"neutral","sentiment_score":0.3050132617354393}],"sentiment":"neutral","sentiment_score":0.3137725760990923,"channel":0,"num_words":22,"start":9.92,"end":14.555},{"sentences":[{"text":"Yes.","start":15.315,"end":15.635,"sentiment":"neutral","sentiment_score":0.16297143697738647},{"text":"Fine.","start":15.635,"end":16.035,"sentiment":"neutral","sentiment_score":0.2305409610271454},{"text":"Fine.","start":16.035,"end":16.535,"sentiment":"neutral","sentiment_score":0.26850783824920654}],"sentiment":"neutral","sentiment_score":0.22067341208457947,"channel":1,"num_words":3,"start":15.315,"end":16.535},{"sentences":[{"text":"Perfect.","start":17.095001,"end":17.595001,"sentiment":"positive","sentiment_score":0.4981866478919983},{"text":"Just to jump into that one today, Lejrat, if I could pass through security with that name, date of birth, and Kronos, we can get started on that one.","start":17.655,"end":23.835,"sentiment":"neutral","sentiment_score":0.28191135207126883}],"sentiment":"neutral","sentiment_score":0.28912052859862647,"channel":0,"num_words":30,"start":17.095001,"end":23.835},{"sentences":[{"text":"Jerry Westerby.","start":24.275,"end":25.015,"sentiment":"neutral","sentiment_score":0.024852503091096878},{"text":"12/07/1977.","start":26.755,"end":29.015,"sentiment":"neutral","sentiment_score":0.01916922442615032}],"sentiment":"neutral","sentiment_score":0.022958076869448025,"channel":1,"num_words":3,"start":24.275,"end":29.015},{"sentences":[{"text":"Yeah.","start":33.59,"end":33.75,"sentiment":"neutral","sentiment_score":0.04828513041138649},{"text":"Let me let me just do a check that.","start":33.75,"end":35.77,"sentiment":"neutral","sentiment_score":0.05410411457220713}],"sentiment":"neutral","sentiment_score":0.05352221615612507,"channel":0,"num_words":10,"start":33.59,"end":35.77},{"sentences":[{"text":"Got","start":35.9,"end":36.4,"sentiment":"neutral","sentiment_score":0.034994885325431824}],"sentiment":"neutral","sentiment_score":0.034994885325431824,"channel":1,"num_words":1,"start":35.9,"end":36.4},{"sentences":[{"text":"Yeah.","start":36.23,"end":36.39,"sentiment":"neutral","sentiment_score":0.037784092128276825},{"text":"And your your your current address","start":36.39,"end":38.055,"sentiment":"neutral","sentiment_score":0.03195342763016621}],"sentiment":"neutral","sentiment_score":0.03278637970132487,"channel":0,"num_words":7,"start":36.23,"end":38.055},{"sentences":[{"text":"it?","start":37.74,"end":38.24,"sentiment":"neutral","sentiment_score":0.03244737535715103}],"sentiment":"neutral","sentiment_score":0.03244737535715103,"channel":1,"num_words":1,"start":37.74,"end":38.24},{"sentences":[{"text":"as well there.","start":38.055,"end":38.375,"sentiment":"neutral","sentiment_score":0.032697310050328575},{"text":"Sorry, Joe.","start":38.375,"end":39.195,"sentiment":"neutral","sentiment_score":0.018420538865029812}],"sentiment":"neutral","sentiment_score":0.02698660157620907,"channel":0,"num_words":5,"start":38.055,"end":39.195},{"sentences":[{"text":"085 Bennett Road, Collison.","start":39.58,"end":41.36,"sentiment":"neutral","sentiment_score":0.023680773098021746}],"sentiment":"neutral","sentiment_score":0.023680773098021746,"channel":1,"num_words":4,"start":39.58,"end":41.36},{"sentences":[{"text":"Perfect.","start":45.254997,"end":45.735,"sentiment":"positive","sentiment_score":0.3402661085128784},{"text":"Thank you for that.","start":45.735,"end":46.795,"sentiment":"positive","sentiment_score":0.450459860265255},{"text":"And then with your your birthday there, you said the December 1, was it?","start":47.175,"end":53.41,"sentiment":"neutral","sentiment_score":0.057652153606925695},{"text":"1970","start":53.41,"end":54.21,"sentiment":"neutral","sentiment_score":0.00016233045607805252}],"sentiment":"neutral","sentiment_score":0.1474699015263468,"channel":0,"num_words":20,"start":45.254997,"end":54.21},{"sentences":[{"text":"No.","start":54.094997,"end":54.335,"sentiment":"neutral","sentiment_score":-0.01812182366847992}],"sentiment":"neutral","sentiment_score":-0.01812182366847992,"channel":1,"num_words":1,"start":54.094997,"end":54.335},{"sentences":[{"text":"'7?","start":54.21,"end":54.71,"sentiment":"neutral","sentiment_score":-0.010788362473249435}],"sentiment":"neutral","sentiment_score":-0.010788362473249435,"channel":0,"num_words":1,"start":54.21,"end":54.71},{"sentences":[{"text":"It's it's it's it's it's it's for the","start":54.335,"end":57.535,"sentiment":"neutral","sentiment_score":-0.009248664186088718}],"sentiment":"neutral","sentiment_score":-0.009248664186088718,"channel":1,"num_words":8,"start":54.335,"end":57.535},{"sentences":[{"text":"Oh,","start":57.41,"end":57.649998,"sentiment":"neutral","sentiment_score":-0.007601211778819561}],"sentiment":"neutral","sentiment_score":-0.007601211778819561,"channel":0,"num_words":1,"start":57.41,"end":57.649998},{"sentences":[{"text":"'12","start":57.535,"end":57.855,"sentiment":"neutral","sentiment_score":-0.0033486271277070045}],"sentiment":"neutral","sentiment_score":-0.0033486271277070045,"channel":1,"num_words":1,"start":57.535,"end":57.855},{"sentences":[{"text":"seven.","start":57.649998,"end":58.149998,"sentiment":"neutral","sentiment_score":-0.0021781516261398792}],"sentiment":"neutral","sentiment_score":-0.0021781516261398792,"channel":0,"num_words":1,"start":57.649998,"end":58.149998},{"sentences":[{"text":"for December.","start":57.934998,"end":58.515,"sentiment":"neutral","sentiment_score":-0.0012884270399808884}],"sentiment":"neutral","sentiment_score":-0.0012884270399808884,"channel":1,"num_words":2,"start":57.934998,"end":58.515},{"sentences":[{"text":"Yeah.","start":59.01,"end":59.329998,"sentiment":"neutral","sentiment_score":0.019209813326597217},{"text":"Okay.","start":59.329998,"end":59.649998,"sentiment":"neutral","sentiment_score":0.04477046802639961},{"text":"Perfect.","start":59.649998,"end":60.149998,"sentiment":"neutral","sentiment_score":0.08619819581508636},{"text":"I just misheard you wrong.","start":60.449997,"end":61.57,"sentiment":"neutral","sentiment_score":-0.0987609326839447},{"text":"Sorry.","start":61.57,"end":61.809998,"sentiment":"neutral","sentiment_score":-0.18711072206497192}],"sentiment":"neutral","sentiment_score":-0.05897076759073469,"channel":0,"num_words":9,"start":59.01,"end":61.809998},{"sentences":[{"text":"I was just doing a double quick double take, but that","start":61.809998,"end":64.69,"sentiment":"neutral","sentiment_score":-0.14588700167157434}],"sentiment":"neutral","sentiment_score":-0.14588700167157434,"channel":0,"num_words":11,"start":61.809998,"end":64.69},{"sentences":[{"text":"Yep.","start":64.54,"end":65.04,"sentiment":"neutral","sentiment_score":-0.12222947925329208}],"sentiment":"neutral","sentiment_score":-0.12222947925329208,"channel":1,"num_words":1,"start":64.54,"end":65.04},{"sentences":[{"text":"just was the the crackle over the phone, so my apologies.","start":64.69,"end":67.03,"sentiment":"neutral","sentiment_score":-0.2754849561236121},{"text":"So the reason why I called you out, obviously, it's can't be at your six months review there.","start":68.135,"end":71.655,"sentiment":"neutral","sentiment_score":-0.28655378106567597},{"text":"I know the last time we spoke during your annual review, we did sort of have a discussion around Benelung, how it was performing, and that it was sort of underperforming at the time.","start":71.655,"end":81.115,"sentiment":"neutral","sentiment_score":-0.23792470202726476},{"text":"Now in regards to that specific asset, it has continued to underperform,","start":81.47,"end":85.89,"sentiment":"neutral","sentiment_score":-0.16584772740801176}],"sentiment":"neutral","sentiment_score":-0.24357220232486726,"channel":0,"num_words":75,"start":64.69,"end":85.89},{"sentences":[{"text":"Mhmm.","start":86.195,"end":86.695,"sentiment":"neutral","sentiment_score":-0.1013415977358818}],"sentiment":"neutral","sentiment_score":-0.1013415977358818,"channel":1,"num_words":1,"start":86.195,"end":86.695},{"sentences":[{"text":"which overall hasn't impacted your portfolio a whole heap because it is more of a satellite investment.","start":87.31,"end":92.29,"sentiment":"neutral","sentiment_score":-0.1624467561350149},{"text":"Your portfolio is still, like, tracking quite 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politically","start":103.805,"end":110.845,"sentiment":"neutral","sentiment_score":-0.2951661691717479}],"sentiment":"neutral","sentiment_score":-0.2951661691717479,"channel":0,"num_words":23,"start":103.805,"end":110.845},{"sentences":[{"text":"Yeah.","start":110.3925,"end":110.8925,"sentiment":"neutral","sentiment_score":-0.08568648993968964}],"sentiment":"neutral","sentiment_score":-0.08568648993968964,"channel":1,"num_words":1,"start":110.3925,"end":110.8925},{"sentences":[{"text":"and things like that as well, but they had an underlying asset that wasn't reporting correctly, and as a result, Bennelong had to reevaluate that stock, which caused it to go 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poorly, it kind of balances out in terms of, like, having that active management.","start":254.56,"end":261.12,"sentiment":"neutral","sentiment_score":-0.001199247384512865},{"text":"Now over the the short term periods of times and things like that, they can have the ability to outperform those markets, especially when there are gaps with everything going on, but it is very easy to also pick the wrong winners like much like what Benelon and occurred with that one and go the other way.","start":261.12,"end":275.335,"sentiment":"neutral","sentiment_score":0.1529624966675775}],"sentiment":"neutral","sentiment_score":0.14080047060645395,"channel":0,"num_words":124,"start":243.785,"end":275.335},{"sentences":[{"text":"So more than happy to look at a more passive update there for you to illustrate, you know, moving forward and just having those cheaper index investment that try to track those markets moving forward for you, if that's what you'd 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know what yeah.","start":300.40002,"end":301.52002,"sentiment":"neutral","sentiment_score":-0.27311552315950394},{"text":"I've been able to say something because it's all going on and I've gotta last, you know, few weeks till it's gone for ages, mate.","start":301.52002,"end":307.505,"sentiment":"neutral","sentiment_score":-0.18768012583255766},{"text":"You don't know what's gonna go on.","start":307.505,"end":309.045,"sentiment":"neutral","sentiment_score":-0.3297992816993168},{"text":"So","start":309.425,"end":309.745,"sentiment":"neutral","sentiment_score":-0.07542279362678528}],"sentiment":"neutral","sentiment_score":-0.22076981091821515,"channel":1,"num_words":37,"start":300.40002,"end":309.745},{"sentences":[{"text":"Yeah.","start":309.92502,"end":310.26,"sentiment":"neutral","sentiment_score":-0.0930996909737587},{"text":"And in saying that even with everything that has occurred, like, obviously, your portfolio has taken a bit of a dip sort of the past few months with what 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probably just start the process now.","start":792.5,"end":794.212,"sentiment":"neutral","sentiment_score":0.05325653829744884},{"text":"You know what I mean?","start":794.212,"end":794.83997,"sentiment":"neutral","sentiment_score":0.02569037415087223}],"sentiment":"neutral","sentiment_score":0.041770636569708586,"channel":1,"num_words":12,"start":792.5,"end":794.83997},{"sentences":[{"text":"yep.","start":795.915,"end":796.395,"sentiment":"neutral","sentiment_score":0.11130627244710922},{"text":"That's not a problem.","start":796.395,"end":797.455,"sentiment":"positive","sentiment_score":0.3577300235629082},{"text":"I'll following this call, I'll email you a copy of your certificate of 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that, once the form's complete and we submit it to Hub, we can look at doing a password reset for you to be able to get in and have a a look around.","start":893.12006,"end":902.645,"sentiment":"neutral","sentiment_score":0.1990064252622244}],"sentiment":"neutral","sentiment_score":0.23810907403257356,"channel":0,"num_words":67,"start":887.36005,"end":902.645},{"sentences":[{"text":"Okay.","start":902.90497,"end":903.065,"sentiment":"neutral","sentiment_score":0.12888175249099731},{"text":"Yeah.","start":903.065,"end":903.305,"sentiment":"neutral","sentiment_score":0.15270458161830902},{"text":"I can.","start":903.305,"end":903.70496,"sentiment":"neutral","sentiment_score":0.20232455432415009},{"text":"Now it's fine.","start":903.70496,"end":904.605,"sentiment":"neutral","sentiment_score":0.2793186902999878}],"sentiment":"neutral","sentiment_score":0.21774164480822428,"channel":1,"num_words":7,"start":902.90497,"end":904.605},{"sentences":[{"text":"Not a problem, 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from that quite nicely.","start":953.335,"end":955.575,"sentiment":"neutral","sentiment_score":0.19964820643266043},{"text":"And then sort of the back October, November sort of thing, there was the issue with that Benelung underlying asset and then also the conflict overseas as well with the wars, which has caused it to stagnate a little bit.","start":955.575,"end":967.97864,"sentiment":"neutral","sentiment_score":-0.17736282907426357},{"text":"But it's still very much up over the period that you've been on board, so it's still tracking quite nicely over overall for the time you have been invested there.","start":967.97864,"end":980.985,"sentiment":"positive","sentiment_score":0.33808307672540344}],"sentiment":"neutral","sentiment_score":-0.00240505276247859,"channel":0,"num_words":100,"start":947.41003,"end":980.985},{"sentences":[{"text":"Yeah.","start":981.14496,"end":981.385,"sentiment":"neutral","sentiment_score":0.14574937522411346},{"text":"We'll limit it to to those things 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be able to make decisions for you.","start":1020.09,"end":1021.77,"sentiment":"neutral","sentiment_score":0.24026424065232277},{"text":"So, you know, if you are seriously injured, things like that, it can sort of mean that your, you know, spouse or whoever you sort of elect to can make financial and sort of health related decisions for you as well.","start":1021.77,"end":1031.655,"sentiment":"neutral","sentiment_score":0.18929888308048248},{"text":"And you can even put, 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need","start":1045.61,"end":1048.75,"sentiment":"neutral","sentiment_score":-0.05181049860336564}],"sentiment":"neutral","sentiment_score":-0.13444108828902246,"channel":0,"num_words":50,"start":1036.375,"end":1048.75},{"sentences":[{"text":"Yes.","start":1048.77,"end":1049.27,"sentiment":"neutral","sentiment_score":0.00307508185505867}],"sentiment":"neutral","sentiment_score":0.00307508185505867,"channel":1,"num_words":1,"start":1048.77,"end":1049.27},{"sentences":[{"text":"if something like that was to occur.","start":1048.89,"end":1050.33,"sentiment":"neutral","sentiment_score":-0.04833332848336015},{"text":"So a bit of just a risk mitigation 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that.","start":1059.455,"end":1064.735,"sentiment":"neutral","sentiment_score":0.2871194559594859},{"text":"Just make sure that the email address change is correct before, like, signing and sending it back, if that's","start":1064.735,"end":1070.49,"sentiment":"neutral","sentiment_score":0.05680946270494085}],"sentiment":"neutral","sentiment_score":0.21410936865616928,"channel":0,"num_words":55,"start":1056.73,"end":1070.49},{"sentences":[{"text":"Have you sent a send an email now?","start":1071.125,"end":1072.805,"sentiment":"neutral","sentiment_score":-0.0009641373762860894},{"text":"You may have a look.","start":1072.805,"end":1073.605,"sentiment":"neutral","sentiment_score":0.010290414839982987},{"text":"If you could just send, say, like, I don't know.","start":1073.605,"end":1075.525,"sentiment":"neutral","sentiment_score":-0.006578579545021057},{"text":"Just send something just to make sure you got the right email 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email.","start":1082.65,"end":1087.185,"sentiment":"neutral","sentiment_score":0.05938709992915392}],"sentiment":"neutral","sentiment_score":0.11191141059001287,"channel":0,"num_words":30,"start":1079.05,"end":1087.185},{"sentences":[{"text":"Bear with me.","start":1088.4451,"end":1089.425,"sentiment":"neutral","sentiment_score":0.09241869548956554},{"text":"Yep.","start":1096.8451,"end":1097.165,"sentiment":"neutral","sentiment_score":0.23640727996826172},{"text":"So that should be with you there shortly, and you can just let me know if it does come through.","start":1097.165,"end":1102.87,"sentiment":"neutral","sentiment_score":0.2818492017686367}],"sentiment":"neutral","sentiment_score":0.25627697507540387,"channel":0,"num_words":24,"start":1088.4451,"end":1102.87},{"sentences":[{"text":"You just sent something now, did you?","start":1116.68,"end":1118.505,"sentiment":"neutral","sentiment_score":0.0962304100394249}],"sentiment":"neutral","sentiment_score":0.0962304100394249,"channel":1,"num_words":7,"start":1116.68,"end":1118.505},{"sentences":[{"text":"Yeah.","start":1118.9451,"end":1119.3451,"sentiment":"neutral","sentiment_score":0.11844374239444733},{"text":"Yeah.","start":1119.3451,"end":1119.5851,"sentiment":"neutral","sentiment_score":0.15695664286613464},{"text":"Something should sort of pop up there if it did go to the right email.","start":1119.5851,"end":1122.805,"sentiment":"neutral","sentiment_score":0.13954093903303147}],"sentiment":"neutral","sentiment_score":0.13932438063270905,"channel":0,"num_words":17,"start":1118.9451,"end":1122.805},{"sentences":[{"text":"Let me just have a look, see if you guys can return.","start":1134.76,"end":1136.94,"sentiment":"neutral","sentiment_score":0.09013450021545093},{"text":"What did you send?","start":1153.1951,"end":1154.415,"sentiment":"neutral","sentiment_score":0.002251909114420414}],"sentiment":"neutral","sentiment_score":0.0681638524401933,"channel":1,"num_words":16,"start":1134.76,"end":1154.415},{"sentences":[{"text":"Just an email that said test and hide, Jared.","start":1155.71,"end":1158.0499,"sentiment":"neutral","sentiment_score":-0.0287578363592426}],"sentiment":"neutral","sentiment_score":-0.0287578363592426,"channel":0,"num_words":9,"start":1155.71,"end":1158.0499},{"sentences":[{"text":"It doesn't bounce back.","start":1162.4501,"end":1163.67,"sentiment":"neutral","sentiment_score":-0.15185446850955486},{"text":"No.","start":1164.21,"end":1164.71,"sentiment":"neutral","sentiment_score":-0.2762508988380432}],"sentiment":"neutral","sentiment_score":-0.17673375457525253,"channel":1,"num_words":5,"start":1162.4501,"end":1164.71},{"sentences":[{"text":"No.","start":1165.405,"end":1165.885,"sentiment":"neutral","sentiment_score":-0.32642054557800293},{"text":"It hasn't bounced back.","start":1165.885,"end":1167.1849,"sentiment":"neutral","sentiment_score":-0.24898403137922287}],"sentiment":"neutral","sentiment_score":-0.2644713342189789,"channel":0,"num_words":5,"start":1165.405,"end":1167.1849},{"sentences":[{"text":"Oh, yep.","start":1169.09,"end":1169.81,"sentiment":"neutral","sentiment_score":0.02310445625334978},{"text":"Yep.","start":1169.81,"end":1170.13,"sentiment":"neutral","sentiment_score":0.07335588335990906},{"text":"Got it.","start":1170.13,"end":1170.87,"sentiment":"neutral","sentiment_score":0.09644369035959244}],"sentiment":"neutral","sentiment_score":0.0624904353171587,"channel":1,"num_words":5,"start":1169.09,"end":1170.87},{"sentences":[{"text":"It did come through?","start":1171.165,"end":1172.13,"sentiment":"neutral","sentiment_score":0.13170227780938148}],"sentiment":"neutral","sentiment_score":0.13170227780938148,"channel":0,"num_words":4,"start":1171.165,"end":1172.13},{"sentences":[{"text":"Got it.","start":1172.0651,"end":1172.385,"sentiment":"neutral","sentiment_score":0.11285857111215591},{"text":"Yep.","start":1172.385,"end":1172.625,"sentiment":"neutral","sentiment_score":0.13471606373786926},{"text":"Yep.","start":1172.625,"end":1172.785,"sentiment":"neutral","sentiment_score":0.18535655736923215},{"text":"It's come through.","start":1172.785,"end":1173.345,"sentiment":"neutral","sentiment_score":0.25249220927556354},{"text":"Yep.","start":1173.345,"end":1173.5851,"sentiment":"neutral","sentiment_score":0.29039400815963745}],"sentiment":"neutral","sentiment_score":0.19920754991471767,"channel":1,"num_words":8,"start":1172.0651,"end":1173.5851},{"sentences":[{"text":"It's the right one.","start":1173.5851,"end":1174.485,"sentiment":"positive","sentiment_score":0.4312884211540222}],"sentiment":"positive","sentiment_score":0.4312884211540222,"channel":1,"num_words":4,"start":1173.5851,"end":1174.485},{"sentences":[{"text":"Brilliant.","start":1175.09,"end":1175.59,"sentiment":"positive","sentiment_score":0.7425709962844849},{"text":"Well, I'll send you that secret of currency there for you just to be able to have a look at those insurances there.","start":1175.89,"end":1181.11,"sentiment":"neutral","sentiment_score":0.28640079190549644},{"text":"And feel free to respond to that if you have any questions, concerns, or any sort of amount specifically that you want.","start":1181.17,"end":1185.81,"sentiment":"neutral","sentiment_score":0.2682700272310864},{"text":"Otherwise, we'll sort of base it on some some income replacement, your level of debt, and then offset of your super.","start":1185.81,"end":1190.995,"sentiment":"neutral","sentiment_score":0.13442282981815792},{"text":"Given","start":1191.775,"end":1192.175,"sentiment":"neutral","sentiment_score":0.08809053897857666}],"sentiment":"neutral","sentiment_score":0.23739264374051025,"channel":0,"num_words":68,"start":1175.09,"end":1192.175},{"sentences":[{"text":"Yep.","start":1191.94,"end":1192.4199,"sentiment":"neutral","sentiment_score":0.0928676575422287}],"sentiment":"neutral","sentiment_score":0.0928676575422287,"channel":1,"num_words":1,"start":1191.94,"end":1192.4199},{"sentences":[{"text":"that the kids","start":1192.175,"end":1192.655,"sentiment":"neutral","sentiment_score":0.10880019267400105}],"sentiment":"neutral","sentiment_score":0.10880019267400105,"channel":0,"num_words":3,"start":1192.175,"end":1192.655},{"sentences":[{"text":"That's","start":1192.4199,"end":1192.82,"sentiment":"neutral","sentiment_score":0.22886687517166135}],"sentiment":"neutral","sentiment_score":0.22886687517166135,"channel":1,"num_words":1,"start":1192.4199,"end":1192.82},{"sentences":[{"text":"are","start":1192.655,"end":1192.895,"sentiment":"neutral","sentiment_score":0.2264622151851654}],"sentiment":"neutral","sentiment_score":0.2264622151851654,"channel":0,"num_words":1,"start":1192.655,"end":1192.895},{"sentences":[{"text":"fine.","start":1192.82,"end":1193.32,"sentiment":"neutral","sentiment_score":0.1901589035987854}],"sentiment":"neutral","sentiment_score":0.1901589035987854,"channel":1,"num_words":1,"start":1192.82,"end":1193.32},{"sentences":[{"text":"a bit a bit younger and your income is a bit higher, there we can sort of look it might not change a whole heap, but then also, you know, as the kids get older and that, we can look at reducing that a bit more and stuff like that.","start":1192.895,"end":1205.6699,"sentiment":"neutral","sentiment_score":0.04739926859736442},{"text":"Because, obviously, if something were to occur, we're not earning an income.","start":1205.6699,"end":1208.23,"sentiment":"neutral","sentiment_score":-0.025129448622465134},{"text":"It's just nice that there is that protection that, you know, Linda wouldn't have to fund, you know, the kids' education and things like that by by","start":1208.23,"end":1215.365,"sentiment":"positive","sentiment_score":0.46496252439640184}],"sentiment":"neutral","sentiment_score":0.16429660904608415,"channel":0,"num_words":89,"start":1192.895,"end":1215.365},{"sentences":[{"text":"Yes.","start":1215.045,"end":1215.545,"sentiment":"neutral","sentiment_score":0.23976828157901764}],"sentiment":"neutral","sentiment_score":0.23976828157901764,"channel":1,"num_words":1,"start":1215.045,"end":1215.545},{"sentences":[{"text":"herself.","start":1219.025,"end":1219.425,"sentiment":"neutral","sentiment_score":0.3050057888031006},{"text":"Perfect.","start":1219.425,"end":1219.925,"sentiment":"positive","sentiment_score":0.7936351299285889},{"text":"Not a problem, Joe.","start":1220.145,"end":1220.9451,"sentiment":"positive","sentiment_score":0.7606687247753143},{"text":"We will get a start on that, and you enjoy the rest of your day.","start":1220.9451,"end":1223.025,"sentiment":"positive","sentiment_score":0.8137098391850789},{"text":"Thanks for your time.","start":1223.025,"end":1224.005,"sentiment":"positive","sentiment_score":0.8312145173549652}],"sentiment":"positive","sentiment_score":0.7868728590011597,"channel":0,"num_words":25,"start":1219.025,"end":1224.005},{"sentences":[{"text":"No problem.","start":1225.745,"end":1226.225,"sentiment":"positive","sentiment_score":0.5777384042739868},{"text":"Thanks.","start":1226.225,"end":1226.545,"sentiment":"positive","sentiment_score":0.6728825569152832},{"text":"Bye.","start":1226.545,"end":1227.045,"sentiment":"neutral","sentiment_score":-0.0998820662498474}],"sentiment":"positive","sentiment_score":0.43211932480335236,"channel":0,"num_words":4,"start":1225.745,"end":1227.045}]},"summary":{"result":"success","short":"An agent from Oakview Financial, named Carl, contacts a customer named Jerry Westerby to discuss his six month follow-up. Jerry had underperformed his portfolio due to a war in Iran and political events, but the company is considering removing the investment from the portfolio and replacing it with the investment committee's replacement. They discuss the possibility of a more passive update and a better risk management system. The agent provides login information for a password reset and updates the customer's portfolio, while also discussing the risk profile and risk reduction amounts. The agent offers to start a process and send a certificate of currency and provides information on estate planning and beneficiaries. They also discuss the customer's risk profile and risk reduction amounts, and promise to send wills and power of attorney. The agent promises to start the pricing plan and get the necessary forms sent to the customer."},"intents":{"segments":[{"text":"IG, you're scheduling for your six month follow-up. Is now still a good time for you?","start_word":23,"end_word":38,"intents":[{"intent":"Schedule follow-up","confidence_score":0.63485813}]},{"text":"Just to jump into that one today, Lejrat, if I could pass through security with that name, date of birth, and Kronos, we can get started on that one. Jerry Westerby.","start_word":43,"end_word":73,"intents":[{"intent":"Pass through security","confidence_score":0.84842485}]},{"text":"And your your your current address it? as well there.","start_word":87,"end_word":96,"intents":[{"intent":"Check address","confidence_score":0.762936}]},{"text":"I know the last time we spoke during your annual review, we did sort of have a discussion around Benelung, how it was performing, and that it was sort of underperforming at the time.","start_word":188,"end_word":221,"intents":[{"intent":"Discuss benelung","confidence_score":0.039659157}]},{"text":"Your portfolio is still, like, tracking quite well.","start_word":252,"end_word":259,"intents":[{"intent":"Track portfolio","confidence_score":0.0007085183}]},{"text":"and things like that as well, but they had an underlying asset that wasn't reporting correctly, and as a result, Bennelong had to reevaluate that stock, which caused it to go down Mhmm.","start_word":313,"end_word":345,"intents":[{"intent":"Evaluate portfolio","confidence_score":0.03153107}]},{"text":"Did you wanna look to be a bit more of a cheaper, more passive with everything that is going on in the world to not have that manager risk? Or Yeah.","start_word":671,"end_word":701,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.10494574}]},{"text":"And in saying that even with everything that has occurred, like, obviously, your portfolio has taken a bit of a dip sort of the past few months with what happened in the war, but still over that period of time, it's still, like, tracking quite nicely in terms of, like, its returns.","start_word":970,"end_word":1021,"intents":[{"intent":"Review portfolio performance","confidence_score":0.013276629}]},{"text":"And then with that one, I believe it will go to your email, which will be jared wesley at rocket mail dot com. Is Yeah. that I've still got the most a I've up got to a new email address now.","start_word":1291,"end_word":1331,"intents":[{"intent":"Change email address","confidence_score":0.10362917}]},{"text":"that I've still got the most a I've up got to a new email address now.","start_word":1315,"end_word":1330,"intents":[{"intent":"Update email","confidence_score":0.037332214}]},{"text":"And do you have So access I can't to that I old can't one?","start_word":1332,"end_word":1345,"intents":[{"intent":"Access email","confidence_score":0.48811626}]},{"text":"And then from there, we can send out a password reset for you. The only way Okay.","start_word":1560,"end_word":1576,"intents":[{"intent":"Send password reset","confidence_score":0.6000404}]},{"text":"Now as far as your details and everything is concerned, just because we are going to advise now with that update there, Jared, and just doing a a refresh of it, have anything changed in regards, like, your goals, your occupation, liabilities, anything like that? Not not.","start_word":1740,"end_word":1786,"intents":[{"intent":"Update information","confidence_score":0.11361753}]},{"text":"in regards to level of debt you hold, you probably could look at reducing the life and t p the amount if you're happy still holding that. As long as you're aware of the cost being around that $4,750 before the 15% rebate Yeah.","start_word":2128,"end_word":2171,"intents":[{"intent":"Confirm coverage levels","confidence_score":0.00089532376}]},{"text":"So you did come out as a growth investor, and you're about that you're invested in the growth portfolio now about that 8020 split. Are you still comfortable with that of having those growth defensive assets given your time to retire Yeah.","start_word":2314,"end_word":2355,"intents":[{"intent":"Discuss investment plans","confidence_score":0.0029366077}]},{"text":"So you did come out as a growth investor, and you're about that you're invested in the growth portfolio now about that 8020 split. Are you still comfortable with that of having those growth defensive assets given your time to retire Yeah. Sure.","start_word":2314,"end_word":2356,"intents":[{"intent":"Confirm investment","confidence_score":0.6857009}]},{"text":"Do you have any questions regarding your risk profile or anything like that? No. Not really.","start_word":2361,"end_word":2376,"intents":[{"intent":"Discuss risk profile","confidence_score":0.5853794},{"intent":"Discuss risk profile","confidence_score":0.2631792}]},{"text":"anything wants to happen, like, how many years do you reckon you'd wanna sort of replace your income for at the moment? Like, do you reckon sort of seven and seven to a year, ten years, given the sort of kids' ages? It's something like that.","start_word":2531,"end_word":2576,"intents":[{"intent":"Discuss retirement years","confidence_score":0.031453475},{"intent":"Discuss retirement years","confidence_score":0.07232177}]},{"text":"There's a certain degree of taxes that are associated with, like, total disability payments and drawing those out. Same with, Okay.","start_word":2597,"end_word":2617,"intents":[{"intent":"Discuss taxes","confidence_score":0.057012834}]},{"text":"far as, like, the life policy, people can receive, like, majority of those funds tax free if they're, like, dependents and spouses and things like that. But that doesn't really affect you because you you wouldn't be around anyway, if that Okay. makes sense.","start_word":2628,"end_word":2671,"intents":[{"intent":"Discuss insurance plans","confidence_score":0.09038699}]},{"text":"What's the power of attorney? Is there somebody who takes care of it all, isn't it?","start_word":3178,"end_word":3193,"intents":[{"intent":"Inform about power of attorney","confidence_score":0.020271655}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.04583519697189331},{"text":"Good afternoon, Jared.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3348824977874756},{"text":"It's Carl calling from Oakview Financial. How are you? How you doing, buddy?","start_word":4,"end_word":16,"sentiment":"neutral","sentiment_score":0.24779768288135529},{"text":"Not too bad at all. Thanks.","start_word":17,"end_word":22,"sentiment":"positive","sentiment_score":0.4050685465335846},{"text":"IG, you're scheduling for your six month follow-up. Is now still a good time for you? Yes. Fine. Fine.","start_word":23,"end_word":41,"sentiment":"neutral","sentiment_score":0.2752039432525635},{"text":"Perfect.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.4981866478919983},{"text":"Just to jump into that one today, Lejrat, if I could pass through security with that name, date of birth, and Kronos, we can get started on that one. Jerry Westerby. 12/07/1977. Yeah. Let me let me just do a check that. Got Yeah. And your your your current address it? as well there. Sorry, Joe. 085 Bennett Road, Collison.","start_word":43,"end_word":102,"sentiment":"neutral","sentiment_score":0.13750267028808594},{"text":"Perfect. Thank you for that.","start_word":103,"end_word":107,"sentiment":"positive","sentiment_score":0.41279876232147217},{"text":"And then with your your birthday there, you said the December 1, was it? 1970 No. '7? It's it's it's it's it's it's for the Oh, '12 seven. for December. Yeah. Okay. Perfect. I just misheard you wrong. Sorry. I was just doing a double quick double take, but that Yep. just was the the crackle over the phone, so my apologies. So the reason why I called you out, obviously, it's can't be at your six months review there. I know the last time we spoke during your annual review, we did sort of have a discussion around Benelung, how it was performing, and that it was sort of underperforming at the time. Now in regards to that specific asset, it has continued to underperform, Mhmm. which overall hasn't impacted your portfolio a whole heap because it is more of a satellite investment. Your portfolio is still, like, tracking quite well. As far as, like, a twelve month performance still from, like, today's date, it's still sitting after fees around 9.13% in terms of a return, but Benelon Yeah. itself is down about 19% given not only the market conditions with what's happening, you know, with the war in Iran and politically Yeah.","start_word":108,"end_word":311,"sentiment":"neutral","sentiment_score":-0.1563013195991516},{"text":"and things like that as well, but they had an underlying asset that wasn't reporting correctly, and as a result, Bennelong had to reevaluate that stock, which caused it to go down Mhmm.","start_word":312,"end_word":344,"sentiment":"negative","sentiment_score":-0.3618948459625244},{"text":"a bit further. Now the Okay. options with that one there, Jared, is the investment committee has decided to move away from Bennelong entirely, and they don't really have conviction in it long term as well. Given that your portfolio is tracking quite well, there is the option just to remove that investment and replace it with the investment committee's replacement of the a 200, which is the Australian top 200 companies index. Now that mean it wouldn't be a fund. You'd be moving away from that and be more of an index approach, but it's a cheaper option. Its performance is tracked a bit better with not having that manager risk and Okay. just tracking what the Australian market's doing in general, Okay. or we can look to review the whole entire portfolio and do a bit of an update there for you, which will take a bit longer. Probably probably look at trying to update, though. I don't know. I've been a while. It's been probably be good to look at that overall. You know what I mean? Yeah. Completely understand. As I said, it will take a little bit longer. Like, you have been on board since the 2022 mark, and since you came on board, like, it's been tracking quite well. Obviously, that one investment hasn't obviously tracked too well, but I'll get you your since inception performance. Just What bear was with it? me. Sorry. Sorry. Yep. So since you came on board, your rate of return on average has been around 7.92% each year, like, in terms of, like, No. the the ups after fees, which is in line with your your portfolio.","start_word":345,"end_word":623,"sentiment":"neutral","sentiment_score":-0.0116609213873744},{"text":"So it has still sort of met those expectations as the portfolio, but more than happy to review it as a whole.","start_word":624,"end_word":645,"sentiment":"positive","sentiment_score":0.6475279331207275},{"text":"Now with that one there, Jared, given that we are reviewing everything, are you happy, like, maintaining a level of active management within that portfolio? Did you wanna look to be a bit more of a cheaper, more passive with everything that is going on in the world to not have that manager risk? Or Yeah. We don't know. We don't you don't know what's gonna go on. So it'd probably be a safer option doing that. Yeah. Because that that is an option just to review that as a whole and just not having those active managers moving forward. Obviously, the other fund you did have that was actively managed within that did perform quite well. But given, you know, the other fund that was actively managed performed quite poorly, it kind of balances out in terms of, like, having that active management. Now over the the short term periods of times and things like that, they can have the ability to outperform those markets, especially when there are gaps with everything going on, but it is very easy to also pick the wrong winners like much like what Benelon and occurred with that one and go the other way.","start_word":646,"end_word":846,"sentiment":"neutral","sentiment_score":0.10058072209358215},{"text":"So more than happy to look at a more passive update there for you to illustrate, you know, moving forward and just having those cheaper index investment that try to track those markets moving forward for you, if that's what you'd like.","start_word":847,"end_word":888,"sentiment":"positive","sentiment_score":0.6489018797874451},{"text":"Yeah. Yeah.","start_word":889,"end_word":890,"sentiment":"neutral","sentiment_score":0.2790321111679077},{"text":"It should be fine.","start_word":891,"end_word":894,"sentiment":"positive","sentiment_score":0.37733402848243713},{"text":"It could be something like that. Yep. Obviously, you'll have a chance to review it as well. But yeah. And what was that No.","start_word":895,"end_word":918,"sentiment":"neutral","sentiment_score":0.1554677188396454},{"text":"No. No. No. Keep going.","start_word":919,"end_word":923,"sentiment":"negative","sentiment_score":-0.4032987654209137},{"text":"further? Keep going. I Yeah. just So don't know what yeah. I've been able to say something because it's all going on and I've gotta last, you know, few weeks till it's gone for ages, mate. You don't know what's gonna go on. So Yeah. And in saying that even with everything that has occurred, like, obviously, your portfolio has taken a bit of a dip sort of the past few months with what happened in the war, but still over that period of time, it's still, like, tracking quite nicely in terms of, like, its returns. Obviously, it could have been a bit higher if this didn't occur. The main concern was that Benelong investment, but more than happy to review I haven't it been entire. I haven't been I wait. I haven't been able to get into it because I can't I haven't Okay. got my my login number. So Yep. I need that login number so I get back into it so I can have a look at it all. So And I don't not know a how problem. it's been performing because I haven't been looking at it. Okay. Yeah. So, like, as I said, like, on average, just, like, since in inception, it's close to that 8% on average. And then over a twelve month period, it's still up, like, 9.13% even though for the past, like, it's probably getting closer to, you know, the the four month mark of, like, performance.","start_word":924,"end_word":1170,"sentiment":"neutral","sentiment_score":-0.05977182244120339},{"text":"It's been quite stagnant in terms of what has Yep.","start_word":1171,"end_word":1180,"sentiment":"negative","sentiment_score":-0.4379707872867584},{"text":"occurred because there's been a bit of up and a bit of a down, and then there was the war as well. But it is still tracking sort of on par with what the market themselves are doing. It's not just to say that you're the only one that's sorta, like, stagnant Yep. in those times with what everything that is going on. Okay. I can send let me just confirm your client details there. Because do you remember your password and everything as well there, Jared? Yeah. I think it's I think it's JWesterbyAt77. I'm not too sure. Because I can just send you a password reset there. And then with that one, I believe it will go to your email, which will be jared wesley at rocket mail dot com. Is Yeah. that I've still got the most a I've up got to a new email address now. okay. And do you have So access I can't to that I old can't one? reset it because I've got a new email address. Normally, you can reset it, but I can't. Because normally they send Yeah. us the email address. You know Yeah. what I mean? Correct. Because I got I my can access do to the email now. it you have access to the old email or to the new No. The access to the old one. Okay. You say you can get into it. Sorry? I can't I can't get into the old one. I can only get into the new one. Yeah. Okay. Yeah. So we can do a change of details form, and I can get your email address updated. Now what would be your new email address there, Joe? Jared Jared Whispeby. No dots or anything like that? No. Just Yep. one. Just all one. No spaces in that. At Yep. Yep. my yahoo Yep. dot com. So my yahoo is in m y y a Yeah. M h, y double yeah. o, M y y a h, double o. Yep. dot com. And there's no dot between the my and the yahoo? Not a problem. I'll get them organized that to get that change of details. Because as you No. said, just for security purposes and that they do use your email. And then from there, we can send out a password reset for you. The only way Okay. you could probably get in earlier is if you maybe sort of contacted Hub Hub twenty If four they send directly. if they send it in the next few days or a week or something, we can just have a look in. There's no urgency to get into it. I Okay. feel Because like I'm we'll gonna have draw to it out. Do you know what I mean? yeah. Okay. Because we'll have to send the change of details form once that's completed for you. Do you Okay. have access to a printer as well? Sorry. Yeah. I've got one at home. Printer.","start_word":1181,"end_word":1679,"sentiment":"neutral","sentiment_score":-0.014733761407151252},{"text":"Perfect. Because we can email you that form. And then once that's completed, you send that back. We can get that updated with Hub there.","start_word":1680,"end_word":1704,"sentiment":"positive","sentiment_score":0.397976279258728},{"text":"And then from there, you can utilize that, but we'll do a password reset, and then they'll be able to sort of reset that email for you as well. Okay.","start_word":1705,"end_word":1734,"sentiment":"neutral","sentiment_score":0.2577061355113983},{"text":"You know, it's fine. Perfect.","start_word":1735,"end_word":1739,"sentiment":"positive","sentiment_score":0.422067791223526},{"text":"Now as far as your details and everything is concerned, just because we are going to advise now with that update there, Jared, and just doing a a refresh of it, have anything changed in regards, like, your goals, your occupation, liabilities, anything like that? Not not. I'm still trying to solve the problem. Same job, same income, everything Yeah. largely unchanged. Even with the the figures with your debt and everything like that, largely unchanged. Yeah. Still around 160 on the mortgage and 100 in the offset. Yeah. Pretty close to it. Yeah. Yep. Any change in your savings much at all? Well, I've only got 100 in in now. And about a 150 on the home loan. So a 100 in the offset and $1.50 on the home Yeah. And do you have your separate daily spending account still as well? Yep. And how much do you have on that one roughly at the moment? Oh, that eye cream. Yep.","start_word":1740,"end_word":1901,"sentiment":"neutral","sentiment_score":0.035072211176157},{"text":"Perfect.","start_word":1902,"end_word":1902,"sentiment":"positive","sentiment_score":0.4116722047328949},{"text":"Now in regards to anything else, sir, because obviously, you do have your insurance cover there as well. Jared, are you still happy with those benefits amounts? Did you wanna review that at all at the moment? What was that? Sorry. Your insurances or anything like that, Did you wanna review No. that Not as well? really. Not really. I think that should be fine. Yeah. Okay. I Because mean, we obvious haven't seen a I haven't seen a statement from them for a while with the life insurance and stuff like that and and income protection in it. yes. You've got the life, the total parent disability, and the income protection cover there as well. Now with that one, I can send you a copy just via email of your your COC so you can have a look at that Yeah. Okay. Cool. one if you'd like. Yep. But with that so currently, they're sorry. I'll just bring it up in front of me there. Bear with me. Yep. So you've got around one point well, $1,164,870 worth of K. life and same for the total parent disability, and your income protection Yep. amount is around the $6,361 a monthly benefit if anything was happened. And then it's a ninety day waiting period and a two year benefit period for that one. So Okay. in regards to level of debt you hold, you probably could look at reducing the life and t p the amount if you're happy still holding that. As long as you're aware of the cost being around that $4,750 before the 15% rebate Yeah. I'll be yeah. I'll be better off. Yeah. Yeah. I'll be better off doing that. There's only a 150 on it. So I think if it happens, it has and to be paid off anyway. yeah. The other thing is just to be mindful too. It's like if you are sort of you know, your income contributed to the household, being that you do have younger children, having a bit more income replacement isn't a bad thing as well. But we can look at risk of reduction amounts for that if you'd like just to Yeah. We can do that. sort of what that might look like. Yeah. Not a problem. And I'll just bring up your risk profile and just confirm that one there for you. Obviously, you know, it hasn't been too long, but I'd just like to confirm everything. So you did come out as a growth investor, and you're about that you're invested in the growth portfolio now about that 8020 split. Are you still comfortable with that of having those growth defensive assets given your time to retire Yeah. Sure. Yep. and everything? Yep. Do you have any questions regarding your risk profile or anything like that? No. Not really. Not really. Yep. I Not a didn't really problem. get into it and have a good look. You know? Yep. Did you want me to sort of get this stuff sorted and then have another conversation with you? Are you happy for us to start this process now, or do you want me to do the the change of Yeah. detail Probably stuff probably and just probably just start the process now. You know what I mean? yep.","start_word":1903,"end_word":2454,"sentiment":"neutral","sentiment_score":0.05294503335776887},{"text":"That's not a problem.","start_word":2455,"end_word":2458,"sentiment":"positive","sentiment_score":0.3501737117767334},{"text":"I'll following this call, I'll email you a copy of your certificate of currency. Mhmm. And then from there, I'll get a colleague of mine to organize that change of details there for you. And then from there, we'll do some research on your investment and then also in regards to reduction in your insurances as well just to show Okay. you what that looks like. Okay. It is And if fine. anything wants to happen, like, how many years do you reckon you'd wanna sort of replace your income for at the moment? Like, do you reckon sort of seven and seven to a year, ten years, given the sort of kids' ages? It's something like that. You gotta pay tax on all that Or sort of stuff? You gotta pay tax on all that, aye? Yeah. There's a certain degree of taxes that are associated with, like, total disability payments and drawing those out. Same with, Okay. like, when the payments for income protection. As Okay. far as, like, the life policy, people can receive, like, majority of those funds tax free if they're, like, dependents and spouses and things like that. But that doesn't really affect you because you you wouldn't be around anyway, if that Okay. makes sense. Yeah. Yeah. Exactly. Yeah. I was just wondering if Yes. I might just start the pricing plan. Yep. Not not a problem at all there, Jade. Is there anything else you wanted to address in regards to your advice No. at the moment? Not really. I just wanna get in there and have a good look at it all. You know? But I haven't been able to get in there and have a good look at it all. Yep. Not a problem. I'll as I said, I'll get the the team on to that today.","start_word":2459,"end_word":2765,"sentiment":"neutral","sentiment_score":0.04369729172426249},{"text":"Hopefully, they can get those forms sorted for you.","start_word":2766,"end_word":2774,"sentiment":"positive","sentiment_score":0.3550855219364166},{"text":"And then if you have any questions after that, once the form's complete and we submit it to Hub, we can look at doing a password reset for you to be able to get in and have a a look around. Okay. Yeah. I can. Now it's fine. Not a problem, Jared. If you don't have any other concerns, we'll limit it purely to sort of just doing the the reduction there for your insurance is just reviewing that, making sure, you know, it's in line with what your needs are currently Yeah. and then having a look at the investment update as well.","start_word":2775,"end_word":2878,"sentiment":"neutral","sentiment_score":0.21394416689872744},{"text":"And you're happy largely with Top 24.","start_word":2879,"end_word":2885,"sentiment":"positive","sentiment_score":0.5400485992431641},{"text":"You don't have any concerns with the platform itself from, like, when you were able to get into it? No. No. I can get straight into it. It was fine. It was fine. It was fine. No. I I was think. just having a look at everything. I was looking at the price and investments and all that, and we was it was actually going quite well for us. That look was going quite well for a while then, and it's still dropping, but didn't it? Yeah. The January took a bit of a drop there and that was mainly because of Trump and his tariff talk. Since then, it did recover from that quite nicely. And then sort of the back October, November sort of thing, there was the issue with that Benelung underlying asset and then also the conflict overseas as well with the wars, which has caused it to stagnate a little bit. But it's still very much up over the period that you've been on board, so it's still tracking quite nicely over overall for the time you have been invested there. Yeah. We'll limit it to to those things there, and we'll chuck in a little bit about your estate planning matters and getting your beneficiaries and things like that. Making sure up to date. I know you've got Linda there at the moment, so we'll look to maintain Yep. those. And then just a reminder to, you know, set up things like wills and power of attorneys and things like that as well for you. Yeah. Okay. Yeah. No. That's fine. No problem, Jared. If you don't have anything else for me, do you have any further questions before I let you go? No. Not really. What's the power of attorney? Is there somebody who takes care of it all, isn't it? So power of attorney is just like, it can be your spouse. It's just like using conjunction with wills and things like that where if you're incapacitated in any way, that that person can take on the power of Oh, attorney yeah. Okay. to be able to make decisions for you. So, you know, if you are seriously injured, things like that, it can sort of mean that your, you know, spouse or whoever you sort of elect to can make financial and sort of health related decisions for you as well. And you can even put, like, Okay. Yeah. I'll health go with care me. directive. Yep. Yep. Yeah. Yep.","start_word":2886,"end_word":3304,"sentiment":"neutral","sentiment_score":0.08177348450359695},{"text":"Nice one.","start_word":3305,"end_word":3306,"sentiment":"positive","sentiment_score":0.6922950148582458},{"text":"And this is a bit of a power that, you know, with things when you get caught involved till, you know, get sort of ability to make financial decisions and things like that people, it can get quite costly. Whereas the power of attorney sort of eliminates that that need Yes. if something like that was to occur. So a bit of just a risk mitigation tool. Okay. That's fine.","start_word":3307,"end_word":3376,"sentiment":"neutral","sentiment_score":-0.07135635614395142},{"text":"Not a problem at all, Jared.","start_word":3377,"end_word":3382,"sentiment":"positive","sentiment_score":0.35876983404159546},{"text":"Well, we'll get a start on that. I'll get those forms sorta sorta hopefully gets to you by the end of the week there, and you can get on that. Just make sure that the email address change is correct before, like, signing and sending it back, if that's Have you sent a send an email now? You may have a look. If you could just send, say, like, I don't know. Just send something just to make sure you got the right email address. right. Oh, yeah. Not a problem. I'll do that now. I'll even oh, actually, I won't check your ZIP code, so just to make sure it is the correct email. Bear with me. Yep. So that should be with you there shortly, and you can just let me know if it does come through. You just sent something now, did you? Yeah. Yeah. Something should sort of pop up there if it did go to the right email. Let me just have a look, see if you guys can return. What did you send? Just an email that said test and hide, Jared. It doesn't bounce back. No. No. It hasn't bounced back. Oh, yep. Yep. Got it. It did come through? Got it. Yep. Yep. It's come through. Yep.","start_word":3383,"end_word":3597,"sentiment":"neutral","sentiment_score":0.10310940444469452},{"text":"It's the right one. Brilliant.","start_word":3598,"end_word":3602,"sentiment":"positive","sentiment_score":0.49515458941459656},{"text":"Well, I'll send you that secret of currency there for you just to be able to have a look at those insurances there. And feel free to respond to that if you have any questions, concerns, or any sort of amount specifically that you want. Otherwise, we'll sort of base it on some some income replacement, your level of debt, and then offset of your super. Given Yep. that the kids That's are fine. a bit a bit younger and your income is a bit higher, there we can sort of look it might not change a whole heap, but then also, you know, as the kids get older and that, we can look at reducing that a bit more and stuff like that. Because, obviously, if something were to occur, we're not earning an income.","start_word":3603,"end_word":3738,"sentiment":"neutral","sentiment_score":0.1343301786657642},{"text":"It's just nice that there is that protection that, you know, Linda wouldn't have to fund, you know, the kids' education and things like that by by Yes.","start_word":3739,"end_word":3766,"sentiment":"positive","sentiment_score":0.43417271971702576},{"text":"herself.","start_word":3767,"end_word":3767,"sentiment":"neutral","sentiment_score":0.3050057888031006},{"text":"Perfect. Not a problem, Joe. We will get a start on that, and you enjoy the rest of your day. Thanks for your time. No problem. Thanks. Bye.","start_word":3768,"end_word":3795,"sentiment":"positive","sentiment_score":0.7528545260429382}],"average":{"sentiment":"neutral","sentiment_score":0.05634883738791408}}}}