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Just giving you a call to go through a bit of an annual review. Have you still got some time for me? Cool. I'll keep it. That's alright. I'll keep it short and sweet. Couple of things I really wanted to touch base with you on today just because, you know, well, it's going a bit crazy at the moment, and and then I can leave you on your merry way. Cool. So I've got a bit of an annual review pack that I will send out to you. Just while I'm popping that out there, will you have access to your emails, or should I just kind of walk you through what's coming through? Cool. So I'll pop that through now. Just while that's coming through, if I can just confirm security with you, and I have seen a couple of changes here. Can I just get your date of birth and address for security, mate? Thank you very much. And I'm registered with Asic as adviser 1273105. Are you okay for the call to be recorded? Beautiful. Beautiful. So that's popping through to your Hotmail address, and it's just got the usual pack there. We've got some updated summaries, some performance, your insurance certificate, some updated service guides with us, and just a couple of forms there that we've got a little bit new for this year. Is there anything in particular that you're hoping to get out of this year's review? Anything kind of burning questions or things to to consider? I did note that you've had the occupation change. We've gone to engineering officer bumped up to 125,000. Fantastic. We've got essential energy still for that one. Beautiful. So no rule changes there with the employer. Engineering officer, just super quick, your duty change, have you gone, like, fully managerial with it? Like, your officer with the team under you, or you're still on the tools, or what's the what's the go? Beautiful. Gotcha. Gotcha. Gotcha. Alrighty. Got that there. Quick little recap of a few things. So you're married with Sarah, three children. Beautiful. And we've got your Sarah's associate beneficiary for the super. Receive a 100% of that. I'm assuming you're still comfortable for her to be listed for the super and the life insurance. Beautiful. I don't think there's, like, a will in place. So, again, yearly reminder about wills and powers of attorney and things like that, but the beneficiaries look pretty good. Cool. No changes to address or anything like that. And with the 125,000. Last two things to update on my end, mate, is just assets and liabilities and just in terms of your goals and everything. So I had you there trying to retire as early as possible towards age 60. I know that's a while away, but not wanting to work through until your 70. Does that sound about right? Beautiful. And is the main focus for you guys just kind of does it mention they have the great nomad lifestyle to kind of just look like pay off the house, caravan around down the line? Yep. We had your house. I'll I'll do a quick updated online valuation myself. But just on the mortgage, we had you owing $3.50. Does that change significantly? Yep. Nice. Any other priorities for you guys for the next twelve months? Beautiful. So I probably won't ask you to do some salary sacrifice into your super because you're saving for a holiday and paying off a mortgage. Would that be right for your cash flow priority, should I say? Yeah. It's pretty pretty solid amount coming through in there as well, so I think it's kind of it's doing enough on its own. There's no need to kind of bump it up. And you're already in, like, the high growth portfolio. You're trying to get those high long term returns. So you've got a pretty healthy balance for your age. I'm looking at the contributions coming through. It looks sweet. Twelve months ago, you were sitting at 217,000. You're up to $2.44. And just a a quick little FYI for you on the super, all the returns, like, percentage based. So because you're in a high growth and you're trying to aim for that ten, twenty, 30%, now that you've built this huge base up, you're gonna be having these swings of about 25 to $50,000 a year up and down like a bit of a roller coaster as the markets grow because you don't have that old, you know, $30 account where you're growing $2,000, and the bulk of it is what you're putting in from work. Does that make sense? Beautiful. Now we've had a little bit of a a dip in the year. I don't know if you saw, but the old conflicts kicked off the stock market in March, caused everything to drop. But your portfolio is done pretty good. So it went from $2.30 down to $2.14. That's just an idea for you in in the volatility when the market goes down. So it went down about $20, and then it bumped up to $2.44 a month or two later. So it's 30 grand up kind of thing. So are you still comfortable with that idea of just kind of going for gold until you're a bit older, and then we can connect it once you got your million dollars. Yep. Couple of things I just want to quickly flag with you is just in terms of the portfolio. Have you got that email that I sent through to you? And when you grab that, it should say Oakview signature request for annual review. And when you click on the old purple button, it'll bring up the documents for us to to look at together. And I just wanted to kind of cap off a couple of things there. No. You're right. My my computer's been slow all day. And what I wanna kinda look at when you grab it is the first one's just a summary. It's just got your like, for your letterhead, hub 24 super, and your Compass insurance policy on there. And I just wanna quickly touch on that one. Can you see the life and TPD cover on that document? Are you right? Yeah. So hit that one to bring up the documents. You don't have to sign anything there. It just lets you scroll through it and click around. And the first one's just a one pager. Do you get the old NBN sorted out out there or maybe a bit of Starlink or something? Yep. Just quickly on the Encompass policy below, can you see that life and TBD, 840000? Yep. So just quickly with the life and TPD. So if you pass away, it can never work again. 840,000 plus the super comes out, which puts you at around a mil. That'll pay off the mortgage, give you about 700,000 for, you know, the kids, the missus, look after Sarah, that kind of thing. You don't have any income protection, but you've changed your occupation. I just wanted to touch base. It's still under a thousand bucks once you get the rebate, so premiums are pretty cheap at the moment. Are you wanting me to look at any kind of increase or decrease there for this year? A little bit less risk there. Beauty. So unlimited sick leave. Don't need to worry about the income protection. As far as trauma cover for heart attack, stroke, and cancer, you've got the public system there as well. And like you said, your cash flow is kind of being eaten up by holidays and mortgage at the moment. So with the life and TPD, are you okay with that that situation of mortgages off 700,000 left over for the family? Beautiful. One thing too. If you can do you see a button there that says next document? If you just click that one big blue table for your hub 24. K. This is the last thing I wanted to show you is just the investment inside the super because, again, we're not changing from high growth at this point, but there's a couple of flags here. Can you see all those ones on the left hand side of the table? It's got the names of all the investments, Benelong, beta, beta, global. And right hand side has the very right hand column has percentages. So see that one on the very top that's in brackets, 21%? That's a negative that that option's gone down 21%. All the ones below it, you can see they're up four, twenty, thirteen, thirty eight, twenty, ten. Those are all your main options that have carried the super this year. Mainly your international shares, battery tech and lithium, that's like your electric vehicles. That's shot through the roof. So is gold, so is your international shares. The only ones that have had a bit of a dip is China and property at the bottom, which not too concerned about those. Obviously, you've seen probably what's happened in the property space with the budget changes. Yep. It's just that bed along one there at the top that's had a pretty sharp drop, and I'm a bit bit concerned about that kind of underperforming a little bit. So what I was wanting to do was look at just sort of getting a replacement option for that one and just doing an engine tune up on the portfolio for you. So not change your risk level or anything like that. Just kind of remove the bad red apple and put in a fresh green apple. K? One question I do have for it just because Hub's got the most investment in the industry. There's about 1,300 of them. Do you have a preference between going low fees or pay higher fees to try and get a higher return? Like, which way do you lean between the two? Yeah. Just trying to think of, like, do you have a strong lean towards trying to minimize fees or try and get highest returns? Like, what's your gut feeling there? No wrong answers. Yep. Easy done. So, basically, my job is we sift through all the options. We've got a few that I'm looking at already for you, and I just wanted to kind of choose between the two. I can get you a good one in either style. There's no wrong style. I'm just trying to lean it so you know what your money's in, if that makes sense. So what I'll do is I'll leave everything alone in terms of the insurances and everything. But just for the next couple of weeks, I'm just gonna get a replacement option to top that one up. The only other consideration is we've partnered with guys called BlackRock. They're the biggest fund manager on the planet. Have you heard of those guys before? Yep. So one thing that they've been able to develop for us on Hub twenty four is an SMA bubble, which is essentially a portfolio that we can control actively. So rather than me saying, hey, Jake. This one's not done so well. Let me get you a document to sign off on switching it out. We can actually put a bubble around your investments, move it to a slightly cheaper fee, and we can switch things out throughout the the year. And then you just get the email saying, hey. We've changed this. We've changed that. Would that be of interest? K? So I'll basically compare both, give a recommendation, and in that document, team will call you in a couple of weeks just to run through that with me. Is there any questions on that so far? Obviously, I'll have all the updated projections in the document, but any ideas there? Cool. Now last thing I wanted to do, if you could just skip through on the next document button for me, you will see your encompass certificate of currency. It's a bit of a teal green blue type color. That's just your policy certificate if you need a claim on it. We help with claims packs as well. Can you just go next document again for me a couple more times? You'll see Vanguard index chart, big red one. Cool. One after that is a services guide. You'll see a big city picture, blue document. So that's our updated services guide. We have changed our fee structure at the moment. So everybody above $200,000, we can apply tiered fee discounts for you guys. So between 200,000, 500,000, instead of paying 1.65%, it drops down to about 1.3. And then everything after 0.5 a mil, we're dropping it down to 1.1 after that. The only difference with it before I can actually apply it to your account is it's a it's a flat fee. So rather than the percentage going up and down with your balance is we basically just supply a discount and then just lock it in for twelve months. That way, you've got some certainty for what's coming out and, you know, exactly the amount that you're gonna pay. So I just wanted to run that new structure by you, whether you're interested in the discounts or if you have any worries about that that flat structure. Cool. So what I'll do, if you can just click through the next document after that. Can you see it says consent to renew ongoing fee arrangement with hub twenty four? So what I'm gonna do is straight after this call, I'm gonna send you a text message, and I'm gonna update this document for that tiered fee structure to apply for the discount. And then if you click next document one more time for me if it lets you, there'll be a option to provide tax file number document. Last one. Can you see that there, Jay? Yes. So don't worry about that one. I just wanna let you know that when I resend this through with the discount applied, you'll basically get to this point. The option to start will put the signatures on, so don't click that now. And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number. Cool. Any questions for me before I let you go? Easy done. So, basically, I'll go away and do the research, tune up the portfolio. I'll run you through that document. It usually takes about fifteen minutes, but we'll get you booked in in a couple of weeks' time just to make sure you're happy with what we're changing. And I'll send you a text as soon as I resend this email through. If you can just pop through and sign the discounted fee arrangement and the tax file doc, we can get everything sorted, and I'd appreciate that. Awesome, mate. Any other things I can help you with between now and our next catch up? Cool. Look. I do appreciate you taking the the call. I know you weren't expecting it today, but I I really just wanted to kind of jump on and fix up the portfolio a little bit before it went too long. And then I didn't wanna talk to you Christmas time saying, oh, it just kept crashing all year, Jake, but I couldn't talk to you. Awesome. Thank you so much for your time, mate, and I'll talk to you in a couple of weeks. Weeks. Cheers. 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afternoon, Jake. It's Tommy here, mate, senior adviser of your financial. How are you doing? Living the dream. Living the dream.\n\nJust giving you a call to go through a bit of an annual review. Have you still got some time for me? Cool. I'll keep it. That's alright.\n\nI'll keep it short and sweet. Couple of things I really wanted to touch base with you on today just because, you know, well, it's going a bit crazy at the moment, and and then I can leave you on your merry way. Cool. So I've got a bit of an annual review pack that I will send out to you. Just while I'm popping that out there, will you have access to your emails, or should I just kind of walk you through what's coming through?\n\nCool. So I'll pop that through now. Just while that's coming through, if I can just confirm security with you, and I have seen a couple of changes here. Can I just get your date of birth and address for security, mate? Thank you very much.\n\nAnd I'm registered with Asic as adviser 1273105. Are you okay for the call to be recorded? Beautiful. Beautiful. So that's popping through to your Hotmail address, and it's just got the usual pack there.\n\nWe've got some updated summaries, some performance, your insurance certificate, some updated service guides with us, and just a couple of forms there that we've got a little bit new for this year. Is there anything in particular that you're hoping to get out of this year's review? Anything kind of burning questions or things to to consider? I did note that you've had the occupation change. We've gone to engineering officer bumped up to 125,000.\n\nFantastic. We've got essential energy still for that one. Beautiful. So no rule changes there with the employer. Engineering officer, just super quick, your duty change, have you gone, like, fully managerial with it?\n\nLike, your officer with the team under you, or you're still on the tools, or what's the what's the go? Beautiful. Gotcha. Gotcha. Gotcha.\n\nAlrighty. Got that there. Quick little recap of a few things. So you're married with Sarah, three children. Beautiful.\n\nAnd we've got your Sarah's associate beneficiary for the super. Receive a 100% of that. I'm assuming you're still comfortable for her to be listed for the super and the life insurance. Beautiful. I don't think there's, like, a will in place.\n\nSo, again, yearly reminder about wills and powers of attorney and things like that, but the beneficiaries look pretty good. Cool. No changes to address or anything like that. And with the 125,000. Last two things to update on my end, mate, is just assets and liabilities and just in terms of your goals and everything.\n\nSo I had you there trying to retire as early as possible towards age 60. I know that's a while away, but not wanting to work through until your 70. Does that sound about right? Beautiful. And is the main focus for you guys just kind of does it mention they have the great nomad lifestyle to kind of just look like pay off the house, caravan around down the line?\n\nYep. We had your house. I'll I'll do a quick updated online valuation myself. But just on the mortgage, we had you owing $3.50. Does that change significantly?\n\nYep. Nice. Any other priorities for you guys for the next twelve months? Beautiful. So I probably won't ask you to do some salary sacrifice into your super because you're saving for a holiday and paying off a mortgage.\n\nWould that be right for your cash flow priority, should I say? Yeah. It's pretty pretty solid amount coming through in there as well, so I think it's kind of it's doing enough on its own. There's no need to kind of bump it up. And you're already in, like, the high growth portfolio.\n\nYou're trying to get those high long term returns. So you've got a pretty healthy balance for your age. I'm looking at the contributions coming through. It looks sweet. Twelve months ago, you were sitting at 217,000.\n\nYou're up to $2.44. And just a a quick little FYI for you on the super, all the returns, like, percentage based. So because you're in a high growth and you're trying to aim for that ten, twenty, 30%, now that you've built this huge base up, you're gonna be having these swings of about 25 to $50,000 a year up and down like a bit of a roller coaster as the markets grow because you don't have that old, you know, $30 account where you're growing $2,000, and the bulk of it is what you're putting in from work. Does that make sense? Beautiful.\n\nNow we've had a little bit of a a dip in the year. I don't know if you saw, but the old conflicts kicked off the stock market in March, caused everything to drop. But your portfolio is done pretty good. So it went from $2.30 down to $2.14. That's just an idea for you in in the volatility when the market goes down.\n\nSo it went down about $20, and then it bumped up to $2.44 a month or two later. So it's 30 grand up kind of thing. So are you still comfortable with that idea of just kind of going for gold until you're a bit older, and then we can connect it once you got your million dollars. Yep. Couple of things I just want to quickly flag with you is just in terms of the portfolio.\n\nHave you got that email that I sent through to you? And when you grab that, it should say Oakview signature request for annual review. And when you click on the old purple button, it'll bring up the documents for us to to look at together. And I just wanted to kind of cap off a couple of things there. No.\n\nYou're right. My my computer's been slow all day. And what I wanna kinda look at when you grab it is the first one's just a summary. It's just got your like, for your letterhead, hub 24 super, and your Compass insurance policy on there. And I just wanna quickly touch on that one.\n\nCan you see the life and TPD cover on that document? Are you right? Yeah. So hit that one to bring up the documents. You don't have to sign anything there.\n\nIt just lets you scroll through it and click around. And the first one's just a one pager. Do you get the old NBN sorted out out there or maybe a bit of Starlink or something? Yep. Just quickly on the Encompass policy below, can you see that life and TBD, 840000?\n\nYep. So just quickly with the life and TPD. So if you pass away, it can never work again. 840,000 plus the super comes out, which puts you at around a mil. That'll pay off the mortgage, give you about 700,000 for, you know, the kids, the missus, look after Sarah, that kind of thing.\n\nYou don't have any income protection, but you've changed your occupation. I just wanted to touch base. It's still under a thousand bucks once you get the rebate, so premiums are pretty cheap at the moment. Are you wanting me to look at any kind of increase or decrease there for this year? A little bit less risk there.\n\nBeauty. So unlimited sick leave. Don't need to worry about the income protection. As far as trauma cover for heart attack, stroke, and cancer, you've got the public system there as well. And like you said, your cash flow is kind of being eaten up by holidays and mortgage at the moment.\n\nSo with the life and TPD, are you okay with that that situation of mortgages off 700,000 left over for the family? Beautiful. One thing too. If you can do you see a button there that says next document? If you just click that one big blue table for your hub 24.\n\nK. This is the last thing I wanted to show you is just the investment inside the super because, again, we're not changing from high growth at this point, but there's a couple of flags here. Can you see all those ones on the left hand side of the table? It's got the names of all the investments, Benelong, beta, beta, global. And right hand side has the very right hand column has percentages.\n\nSo see that one on the very top that's in brackets, 21%? That's a negative that that option's gone down 21%. All the ones below it, you can see they're up four, twenty, thirteen, thirty eight, twenty, ten. Those are all your main options that have carried the super this year. Mainly your international shares, battery tech and lithium, that's like your electric vehicles.\n\nThat's shot through the roof. So is gold, so is your international shares. The only ones that have had a bit of a dip is China and property at the bottom, which not too concerned about those. Obviously, you've seen probably what's happened in the property space with the budget changes. Yep.\n\nIt's just that bed along one there at the top that's had a pretty sharp drop, and I'm a bit bit concerned about that kind of underperforming a little bit. So what I was wanting to do was look at just sort of getting a replacement option for that one and just doing an engine tune up on the portfolio for you. So not change your risk level or anything like that. Just kind of remove the bad red apple and put in a fresh green apple. K?\n\nOne question I do have for it just because Hub's got the most investment in the industry. There's about 1,300 of them. Do you have a preference between going low fees or pay higher fees to try and get a higher return? Like, which way do you lean between the two? Yeah.\n\nJust trying to think of, like, do you have a strong lean towards trying to minimize fees or try and get highest returns? Like, what's your gut feeling there? No wrong answers. Yep. Easy done.\n\nSo, basically, my job is we sift through all the options. We've got a few that I'm looking at already for you, and I just wanted to kind of choose between the two. I can get you a good one in either style. There's no wrong style. I'm just trying to lean it so you know what your money's in, if that makes sense.\n\nSo what I'll do is I'll leave everything alone in terms of the insurances and everything. But just for the next couple of weeks, I'm just gonna get a replacement option to top that one up. The only other consideration is we've partnered with guys called BlackRock. They're the biggest fund manager on the planet. Have you heard of those guys before?\n\nYep. So one thing that they've been able to develop for us on Hub twenty four is an SMA bubble, which is essentially a portfolio that we can control actively. So rather than me saying, hey, Jake. This one's not done so well. Let me get you a document to sign off on switching it out.\n\nWe can actually put a bubble around your investments, move it to a slightly cheaper fee, and we can switch things out throughout the the year. And then you just get the email saying, hey. We've changed this. We've changed that. Would that be of interest?\n\nK? So I'll basically compare both, give a recommendation, and in that document, team will call you in a couple of weeks just to run through that with me. Is there any questions on that so far? Obviously, I'll have all the updated projections in the document, but any ideas there? Cool.\n\nNow last thing I wanted to do, if you could just skip through on the next document button for me, you will see your encompass certificate of currency. It's a bit of a teal green blue type color. That's just your policy certificate if you need a claim on it. We help with claims packs as well. Can you just go next document again for me a couple more times?\n\nYou'll see Vanguard index chart, big red one. Cool. One after that is a services guide. You'll see a big city picture, blue document. So that's our updated services guide.\n\nWe have changed our fee structure at the moment. So everybody above $200,000, we can apply tiered fee discounts for you guys. So between 200,000, 500,000, instead of paying 1.65%, it drops down to about 1.3. And then everything after 0.5 a mil, we're dropping it down to 1.1 after that. The only difference with it before I can actually apply it to your account is it's a it's a flat fee.\n\nSo rather than the percentage going up and down with your balance is we basically just supply a discount and then just lock it in for twelve months. That way, you've got some certainty for what's coming out and, you know, exactly the amount that you're gonna pay. So I just wanted to run that new structure by you, whether you're interested in the discounts or if you have any worries about that that flat structure. Cool. So what I'll do, if you can just click through the next document after that.\n\nCan you see it says consent to renew ongoing fee arrangement with hub twenty four? So what I'm gonna do is straight after this call, I'm gonna send you a text message, and I'm gonna update this document for that tiered fee structure to apply for the discount. And then if you click next document one more time for me if it lets you, there'll be a option to provide tax file number document. Last one. Can you see that there, Jay?\n\nYes. So don't worry about that one. I just wanna let you know that when I resend this through with the discount applied, you'll basically get to this point. The option to start will put the signatures on, so don't click that now. And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number.\n\nCool. Any questions for me before I let you go? Easy done. So, basically, I'll go away and do the research, tune up the portfolio. I'll run you through that document.\n\nIt usually takes about fifteen minutes, but we'll get you booked in in a couple of weeks' time just to make sure you're happy with what we're changing. And I'll send you a text as soon as I resend this email through. If you can just pop through and sign the discounted fee arrangement and the tax file doc, we can get everything sorted, and I'd appreciate that. Awesome, mate. Any other things I can help you with between now and our next catch up?\n\nCool. Look. I do appreciate you taking the the call. I know you weren't expecting it today, but I I really just wanted to kind of jump on and fix up the portfolio a little bit before it went too long. And then I didn't wanna talk to you Christmas time saying, oh, it just kept crashing all year, Jake, but I couldn't talk to you.\n\nAwesome. Thank you so much for your time, mate, and I'll talk to you in a couple of weeks. Weeks. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jake.","start":2.8799999,"end":3.84,"sentiment":"neutral","sentiment_score":0.33241931597391766},{"text":"It's Tommy here, mate, senior adviser of your financial.","start":3.84,"end":6.48,"sentiment":"neutral","sentiment_score":0.2132256676753362},{"text":"How are you doing?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.19786211475729942},{"text":"Living the dream.","start":9.12,"end":9.84,"sentiment":"positive","sentiment_score":0.4867207109928131},{"text":"Living the dream.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.5157783230145773}],"sentiment":"neutral","sentiment_score":0.30523793263868854,"num_words":22,"start":2.8799999,"end":10.66},{"sentences":[{"text":"Just giving you a call to go through a bit of an annual review.","start":10.88,"end":13.84,"sentiment":"neutral","sentiment_score":0.1445413450045245},{"text":"Have you still got some time for me?","start":13.84,"end":19.265,"sentiment":"neutral","sentiment_score":0.029703571693971753},{"text":"Cool.","start":19.265,"end":19.664999,"sentiment":"neutral","sentiment_score":0.14842352271080017},{"text":"I'll keep it.","start":19.664999,"end":20.564999,"sentiment":"neutral","sentiment_score":0.0018277776738007863},{"text":"That's alright.","start":21.505,"end":22.145,"sentiment":"neutral","sentiment_score":0.22900113463401794}],"sentiment":"neutral","sentiment_score":0.10261130459340555,"num_words":28,"start":10.88,"end":22.145},{"sentences":[{"text":"I'll keep it short and sweet.","start":22.145,"end":23.445,"sentiment":"neutral","sentiment_score":0.3129943410555522},{"text":"Couple of things I really wanted to touch base with you on today just because, you know, well, it's going a bit crazy at the moment, and and then I can leave you on your merry way.","start":23.744999,"end":31.699999,"sentiment":"neutral","sentiment_score":0.33059863786439636},{"text":"Cool.","start":33.04,"end":33.54,"sentiment":"positive","sentiment_score":0.4194781184196472},{"text":"So I've got a bit of an annual review pack that I will send out to you.","start":33.84,"end":37.699997,"sentiment":"neutral","sentiment_score":0.27497512715704303},{"text":"Just while I'm popping that out there, will you have access to your emails, or should I just kind of walk you through what's coming through?","start":38.48,"end":47.565,"sentiment":"neutral","sentiment_score":0.06576870288699865}],"sentiment":"neutral","sentiment_score":0.2403926115226129,"num_words":87,"start":22.145,"end":47.565},{"sentences":[{"text":"Cool.","start":47.865,"end":48.105,"sentiment":"neutral","sentiment_score":0.15750619769096377},{"text":"So I'll pop that through now.","start":48.105,"end":49.705,"sentiment":"neutral","sentiment_score":0.15577943623065948},{"text":"Just while that's coming through, if I can just confirm security with you, and I have seen a couple of changes here.","start":49.705,"end":56.46,"sentiment":"neutral","sentiment_score":0.09144262935627591},{"text":"Can I just get your date of birth and address for security, mate?","start":56.78,"end":59.6,"sentiment":"neutral","sentiment_score":0.05243897008208128},{"text":"Thank you very much.","start":67.26,"end":68.14,"sentiment":"positive","sentiment_score":0.40926266461610794}],"sentiment":"neutral","sentiment_score":0.11788430283574955,"num_words":46,"start":47.865,"end":68.14},{"sentences":[{"text":"And I'm registered with Asic as adviser 1273105.","start":68.14,"end":71.524994,"sentiment":"neutral","sentiment_score":0.09354870673269033},{"text":"Are you okay for the call to be recorded?","start":71.524994,"end":73.545,"sentiment":"neutral","sentiment_score":0.052461532668934927},{"text":"Beautiful.","start":75.765,"end":76.16499,"sentiment":"positive","sentiment_score":0.34788087010383606},{"text":"Beautiful.","start":76.16499,"end":76.564995,"sentiment":"positive","sentiment_score":0.35049906373023987},{"text":"So that's popping through to your Hotmail address, and it's just got the usual pack there.","start":76.564995,"end":81.765,"sentiment":"neutral","sentiment_score":0.21716897003352642}],"sentiment":"neutral","sentiment_score":0.154103625778641,"num_words":35,"start":68.14,"end":81.765},{"sentences":[{"text":"We've got some updated summaries, some performance, your insurance certificate, some updated service guides with us, and just a couple of forms there that we've got a little bit new for this year.","start":81.765,"end":92.9,"sentiment":"neutral","sentiment_score":0.2381852472370321},{"text":"Is there anything in particular that you're hoping to get out of this year's review?","start":93.92,"end":97.435,"sentiment":"neutral","sentiment_score":0.20920723030964533},{"text":"Anything kind of burning questions or things to to consider?","start":97.435,"end":100.415,"sentiment":"neutral","sentiment_score":0.041481013596057895},{"text":"I did note that you've had the occupation change.","start":107.675,"end":110.975,"sentiment":"neutral","sentiment_score":-0.0072239791560504175},{"text":"We've gone to engineering officer bumped up to 125,000.","start":111.57,"end":116.13,"sentiment":"neutral","sentiment_score":0.02352398458040423}],"sentiment":"neutral","sentiment_score":0.15210173418745399,"num_words":76,"start":81.765,"end":116.13},{"sentences":[{"text":"Fantastic.","start":116.13,"end":116.63,"sentiment":"positive","sentiment_score":0.5700216889381409},{"text":"We've got essential energy still for that one.","start":119.81,"end":122.39,"sentiment":"neutral","sentiment_score":0.2532545477151871},{"text":"Beautiful.","start":124.28999,"end":124.78999,"sentiment":"positive","sentiment_score":0.46982210874557495},{"text":"So no rule changes there with the employer.","start":124.85,"end":126.675,"sentiment":"neutral","sentiment_score":0.041849116794764996},{"text":"Engineering officer, just super quick, your duty change, have you gone, like, fully managerial with it?","start":127.955,"end":134.035,"sentiment":"neutral","sentiment_score":0.0317733496776782}],"sentiment":"neutral","sentiment_score":0.11497196201782893,"num_words":34,"start":116.13,"end":134.035},{"sentences":[{"text":"Like, your officer with the team under you, or you're still on the tools, or what's the what's the go?","start":134.035,"end":138.69,"sentiment":"neutral","sentiment_score":0.01798047050833702},{"text":"Beautiful.","start":149.65001,"end":150.15001,"sentiment":"neutral","sentiment_score":0.23927956819534305},{"text":"Gotcha.","start":152.13,"end":152.45,"sentiment":"neutral","sentiment_score":0.09408985078334808},{"text":"Gotcha.","start":152.45,"end":152.77,"sentiment":"neutral","sentiment_score":0.07867365330457687},{"text":"Gotcha.","start":152.77,"end":153.255,"sentiment":"neutral","sentiment_score":0.0559709332883358}],"sentiment":"neutral","sentiment_score":0.03448430898909768,"num_words":24,"start":134.035,"end":153.255},{"sentences":[{"text":"Alrighty.","start":154.21501,"end":154.695,"sentiment":"neutral","sentiment_score":0.10135318338871002},{"text":"Got that there.","start":154.695,"end":155.595,"sentiment":"neutral","sentiment_score":0.09403969347476959},{"text":"Quick little recap of a few things.","start":155.815,"end":157.57501,"sentiment":"neutral","sentiment_score":0.05416179820895195},{"text":"So you're married with Sarah, three children.","start":157.57501,"end":160.63501,"sentiment":"neutral","sentiment_score":0.03880950781915869},{"text":"Beautiful.","start":162.615,"end":163.115,"sentiment":"positive","sentiment_score":0.4206880033016205}],"sentiment":"neutral","sentiment_score":0.0765768110163902,"num_words":19,"start":154.21501,"end":163.115},{"sentences":[{"text":"And we've got your Sarah's associate beneficiary for the super.","start":163.735,"end":167.195,"sentiment":"neutral","sentiment_score":0.2420556664466858},{"text":"Receive a 100% of that.","start":167.335,"end":168.81,"sentiment":"neutral","sentiment_score":0.23597902655601502},{"text":"I'm assuming you're still comfortable for her to be listed for the super and the life insurance.","start":169.29,"end":173.31,"sentiment":"neutral","sentiment_score":0.13399335566688986},{"text":"Beautiful.","start":174.97,"end":175.47,"sentiment":"positive","sentiment_score":0.3443162143230438},{"text":"I don't think there's, like, a will in place.","start":176.56999,"end":178.25,"sentiment":"neutral","sentiment_score":0.05826876167621878}],"sentiment":"neutral","sentiment_score":0.16064461697602556,"num_words":42,"start":163.735,"end":178.25},{"sentences":[{"text":"So, again, yearly reminder about wills and powers of attorney and things like that, but the beneficiaries look pretty good.","start":178.25,"end":184.395,"sentiment":"neutral","sentiment_score":0.11568784005939961},{"text":"Cool.","start":185.895,"end":186.395,"sentiment":"neutral","sentiment_score":0.15470324456691742},{"text":"No changes to address or anything like that.","start":186.695,"end":188.935,"sentiment":"neutral","sentiment_score":-0.02000726293772459},{"text":"And with the 125,000.","start":188.935,"end":191.27501,"sentiment":"neutral","sentiment_score":0.048537543043494225},{"text":"Last two things to update on my end, mate, is just assets and liabilities and just in terms of your goals and everything.","start":191.975,"end":198.81,"sentiment":"neutral","sentiment_score":0.05946888904208723}],"sentiment":"neutral","sentiment_score":0.06911315289991242,"num_words":56,"start":178.25,"end":198.81},{"sentences":[{"text":"So I had you there trying to retire as early as possible towards age 60.","start":198.81,"end":203.47,"sentiment":"neutral","sentiment_score":0.011772288754582406},{"text":"I know that's a while away, but not wanting to work through until your 70.","start":203.61,"end":206.89,"sentiment":"neutral","sentiment_score":-0.020155878116687138},{"text":"Does that sound about right?","start":206.89,"end":208.19,"sentiment":"neutral","sentiment_score":0.04180142655968666},{"text":"Beautiful.","start":209.61,"end":210.11,"sentiment":"neutral","sentiment_score":0.28322917222976685},{"text":"And is the main focus for you guys just kind of does it mention they have the great nomad lifestyle to kind of just look like pay off the house, caravan around down the line?","start":210.43501,"end":220.535,"sentiment":"neutral","sentiment_score":0.10458784028887749}],"sentiment":"neutral","sentiment_score":0.056719110911371,"num_words":71,"start":198.81,"end":220.535},{"sentences":[{"text":"Yep.","start":223.07501,"end":223.57501,"sentiment":"neutral","sentiment_score":0.06382185220718384},{"text":"We had your house.","start":224.195,"end":225.24,"sentiment":"neutral","sentiment_score":0.06377616617828608},{"text":"I'll I'll do a quick updated online valuation myself.","start":225.32,"end":228.44,"sentiment":"neutral","sentiment_score":0.07635999470949173},{"text":"But just on the mortgage, we had you owing $3.50.","start":228.44,"end":231.56,"sentiment":"neutral","sentiment_score":-0.03701839093118906},{"text":"Does that change significantly?","start":231.56,"end":232.78,"sentiment":"neutral","sentiment_score":-0.09014138113707304}],"sentiment":"neutral","sentiment_score":0.009836322694484676,"num_words":28,"start":223.07501,"end":232.78},{"sentences":[{"text":"Yep.","start":236.6,"end":237.1,"sentiment":"neutral","sentiment_score":0.2423664033412933},{"text":"Nice.","start":237.24,"end":237.74,"sentiment":"positive","sentiment_score":0.5385040640830994},{"text":"Any other priorities for you guys for the next twelve months?","start":238.545,"end":241.285,"sentiment":"neutral","sentiment_score":0.23320095511999997},{"text":"Beautiful.","start":258.47998,"end":258.97998,"sentiment":"positive","sentiment_score":0.6396676301956177},{"text":"So I probably won't ask you to do some salary sacrifice into your super because you're saving for a holiday and paying off a mortgage.","start":259.12,"end":265.385,"sentiment":"neutral","sentiment_score":0.06652648270130157}],"sentiment":"neutral","sentiment_score":0.144843863371091,"num_words":39,"start":236.6,"end":265.385},{"sentences":[{"text":"Would that be right for your cash flow priority, should I say?","start":265.385,"end":268.92502,"sentiment":"neutral","sentiment_score":0.09263885393738747},{"text":"Yeah.","start":275.30502,"end":275.545,"sentiment":"neutral","sentiment_score":0.3120330572128296},{"text":"It's pretty pretty solid amount coming through in there as well, so I think it's kind of it's doing enough on its own.","start":275.545,"end":281.36,"sentiment":"positive","sentiment_score":0.4302362987528677},{"text":"There's no need to kind of bump it up.","start":281.36,"end":283.03998,"sentiment":"neutral","sentiment_score":0.040699558746483594},{"text":"And you're already in, like, the high growth portfolio.","start":283.03998,"end":285.13998,"sentiment":"neutral","sentiment_score":0.24449466003312004}],"sentiment":"neutral","sentiment_score":0.2571459656443309,"num_words":54,"start":265.385,"end":285.13998},{"sentences":[{"text":"You're trying to get those high long term returns.","start":285.19998,"end":287.21997,"sentiment":"neutral","sentiment_score":0.3239660362402598},{"text":"So you've got a pretty healthy balance for your age.","start":288.15997,"end":290.65997,"sentiment":"positive","sentiment_score":0.3840378671884537},{"text":"I'm looking at the contributions coming through.","start":291.43997,"end":293.59998,"sentiment":"neutral","sentiment_score":0.29874657307352337},{"text":"It looks sweet.","start":293.59998,"end":294.315,"sentiment":"positive","sentiment_score":0.5133409897486368},{"text":"Twelve months ago, you were sitting at 217,000.","start":295.115,"end":298.075,"sentiment":"neutral","sentiment_score":0.13288269750773907}],"sentiment":"neutral","sentiment_score":0.3094698259153882,"num_words":37,"start":285.19998,"end":298.075},{"sentences":[{"text":"You're up to $2.44.","start":298.075,"end":299.695,"sentiment":"neutral","sentiment_score":0.1808132901787758},{"text":"And just a a quick little FYI for you on the super, all the returns, like, percentage based.","start":300.075,"end":306.97,"sentiment":"neutral","sentiment_score":0.0935119887193044},{"text":"So because you're in a high growth and you're trying to aim for that ten, twenty, 30%, now that you've built this huge base up, you're gonna be having these swings of about 25 to $50,000 a year up and down like a bit of a roller coaster as the markets grow because you don't have that old, you know, $30 account where you're growing $2,000, and the bulk of it is what you're putting in from work.","start":306.97,"end":328.175,"sentiment":"neutral","sentiment_score":0.060008884383699834},{"text":"Does that make sense?","start":328.175,"end":329.155,"sentiment":"neutral","sentiment_score":0.06923230737447739},{"text":"Beautiful.","start":330.655,"end":331.155,"sentiment":"positive","sentiment_score":0.34359675645828247}],"sentiment":"neutral","sentiment_score":0.07340655167187964,"num_words":105,"start":298.075,"end":331.155},{"sentences":[{"text":"Now we've had a little bit of a a dip in the year.","start":331.53497,"end":334.495,"sentiment":"neutral","sentiment_score":-0.22012364864349365},{"text":"I don't know if you saw, but the old conflicts kicked off the stock market in March, caused everything to drop.","start":334.495,"end":340.56,"sentiment":"neutral","sentiment_score":-0.19619714699330784},{"text":"But your portfolio is done pretty good.","start":341.41998,"end":343.82,"sentiment":"positive","sentiment_score":0.4886262076241629},{"text":"So it went from $2.30 down to $2.14.","start":343.82,"end":346.48,"sentiment":"neutral","sentiment_score":0.2576426938176155},{"text":"That's just an idea for you in in the volatility when the market goes down.","start":346.62,"end":350.38,"sentiment":"neutral","sentiment_score":0.004586995393037796}],"sentiment":"neutral","sentiment_score":-0.02236589975655079,"num_words":64,"start":331.53497,"end":350.38},{"sentences":[{"text":"So it went down about $20, and then it bumped up to $2.44 a month or two later.","start":350.38,"end":356.525,"sentiment":"neutral","sentiment_score":0.008228858415451314},{"text":"So it's 30 grand up kind of thing.","start":356.985,"end":359.00497,"sentiment":"neutral","sentiment_score":0.14961165376007557},{"text":"So are you still comfortable with that idea of just kind of going for gold until you're a bit older, and then we can connect it once you got your million dollars.","start":359.145,"end":366.32,"sentiment":"neutral","sentiment_score":0.2968060930725187},{"text":"Yep.","start":368.14,"end":368.64,"sentiment":"neutral","sentiment_score":0.17521415650844574},{"text":"Couple of things I just want to quickly flag with you is just in terms of the portfolio.","start":369.02002,"end":373.1,"sentiment":"neutral","sentiment_score":0.11790657167633374}],"sentiment":"neutral","sentiment_score":0.17065376761768544,"num_words":77,"start":350.38,"end":373.1},{"sentences":[{"text":"Have you got that email that I sent through to you?","start":373.1,"end":375.36002,"sentiment":"neutral","sentiment_score":0.05741125616160306},{"text":"And when you grab that, it should say Oakview signature request for annual review.","start":379.615,"end":385.235,"sentiment":"neutral","sentiment_score":0.14811043654169356},{"text":"And when you click on the old purple button, it'll bring up the documents for us to to look at together.","start":385.375,"end":391.395,"sentiment":"neutral","sentiment_score":0.1720521120088441},{"text":"And I just wanted to kind of cap off a couple of things there.","start":391.455,"end":394.24002,"sentiment":"neutral","sentiment_score":0.09903904529554504},{"text":"No.","start":400.7,"end":400.94,"sentiment":"neutral","sentiment_score":-0.11454135179519652}],"sentiment":"neutral","sentiment_score":0.12442900924409023,"num_words":61,"start":373.1,"end":400.94},{"sentences":[{"text":"You're right.","start":400.94,"end":401.34003,"sentiment":"neutral","sentiment_score":-0.08821406960487366},{"text":"My my computer's been slow all day.","start":401.34003,"end":403.2,"sentiment":"negative","sentiment_score":-0.3684093143258776},{"text":"And what I wanna kinda look at when you grab it is the first one's just a summary.","start":422.81,"end":428.65002,"sentiment":"neutral","sentiment_score":0.04980935094257196},{"text":"It's just got your like, for your letterhead, hub 24 super, and your Compass insurance policy on there.","start":428.65002,"end":434.425,"sentiment":"neutral","sentiment_score":0.0919946591473288},{"text":"And I just wanna quickly touch on that one.","start":434.485,"end":436.485,"sentiment":"neutral","sentiment_score":0.08691970590088102}],"sentiment":"neutral","sentiment_score":0.010730670282134303,"num_words":54,"start":400.94,"end":436.485},{"sentences":[{"text":"Can you see the life and TPD cover on that document?","start":436.485,"end":439.385,"sentiment":"neutral","sentiment_score":0.07422264800830321},{"text":"Are you right?","start":444.245,"end":444.72,"sentiment":"neutral","sentiment_score":0.09173096219698589},{"text":"Yeah.","start":458.985,"end":459.22498,"sentiment":"neutral","sentiment_score":0.12385882437229156},{"text":"So hit that one to bring up the documents.","start":459.22498,"end":461.06497,"sentiment":"neutral","sentiment_score":0.1433788612484932},{"text":"You don't have to sign anything there.","start":461.06497,"end":462.50497,"sentiment":"neutral","sentiment_score":0.13644834182092122}],"sentiment":"neutral","sentiment_score":0.11164674138830553,"num_words":31,"start":436.485,"end":462.50497},{"sentences":[{"text":"It just lets you scroll through it and click around.","start":462.50497,"end":464.84497,"sentiment":"neutral","sentiment_score":0.12057815343141556},{"text":"And the first one's just a one pager.","start":467.865,"end":469.72498,"sentiment":"neutral","sentiment_score":0.05196528439410031},{"text":"Do you get the old NBN sorted out out there or maybe a bit of Starlink or something?","start":478.84,"end":482.78,"sentiment":"neutral","sentiment_score":-0.030565218430840306},{"text":"Yep.","start":491.095,"end":491.595,"sentiment":"neutral","sentiment_score":0.07628278434276581},{"text":"Just quickly on the Encompass policy below, can you see that life and TBD, 840000?","start":492.45502,"end":498.15503,"sentiment":"neutral","sentiment_score":0.058887867629528044}],"sentiment":"neutral","sentiment_score":0.03905635916341383,"num_words":52,"start":462.50497,"end":498.15503},{"sentences":[{"text":"Yep.","start":510.69,"end":511.125,"sentiment":"neutral","sentiment_score":0.037513624876737595},{"text":"So just quickly with the life and TPD.","start":511.365,"end":513.525,"sentiment":"neutral","sentiment_score":-0.0396423120982945},{"text":"So if you pass away, it can never work again.","start":513.525,"end":515.625,"sentiment":"neutral","sentiment_score":-0.20566918700933456},{"text":"840,000 plus the super comes out, which puts you at around a mil.","start":515.685,"end":520.345,"sentiment":"neutral","sentiment_score":0.04807062131854204},{"text":"That'll pay off the mortgage, give you about 700,000 for, you know, the kids, the missus, look after Sarah, that kind of thing.","start":520.885,"end":529.83997,"sentiment":"neutral","sentiment_score":0.12530727733088576}],"sentiment":"neutral","sentiment_score":0.021284885704517365,"num_words":55,"start":510.69,"end":529.83997},{"sentences":[{"text":"You don't have any income protection, but you've changed your occupation.","start":530.06,"end":533.2,"sentiment":"neutral","sentiment_score":-0.01302238858558915},{"text":"I just wanted to touch base.","start":533.82,"end":535.36,"sentiment":"neutral","sentiment_score":0.14720783258477846},{"text":"It's still under a thousand bucks once you get the rebate, so premiums are pretty cheap at the moment.","start":535.5,"end":540.88,"sentiment":"neutral","sentiment_score":0.19749578598298526},{"text":"Are you wanting me to look at any kind of increase or decrease there for this year?","start":540.995,"end":545.01495,"sentiment":"neutral","sentiment_score":-0.04407909249558168},{"text":"A little bit less risk there.","start":562.58997,"end":564.05,"sentiment":"neutral","sentiment_score":-0.005991054077943166}],"sentiment":"neutral","sentiment_score":0.06283270776019258,"num_words":59,"start":530.06,"end":564.05},{"sentences":[{"text":"Beauty.","start":566.58997,"end":566.91,"sentiment":"neutral","sentiment_score":0.18382781744003296},{"text":"So unlimited sick leave.","start":566.91,"end":568.19,"sentiment":"neutral","sentiment_score":0.16312408074736595},{"text":"Don't need to worry about the income protection.","start":568.19,"end":569.97,"sentiment":"neutral","sentiment_score":0.02416293090209365},{"text":"As far as trauma cover for heart attack, stroke, and cancer, you've got the public system there as well.","start":570.755,"end":575.235,"sentiment":"neutral","sentiment_score":-0.051854941797883886},{"text":"And like you said, your cash flow is kind of being eaten up by holidays and mortgage at the moment.","start":575.235,"end":579.655,"sentiment":"neutral","sentiment_score":-0.20614802092313766}],"sentiment":"neutral","sentiment_score":-0.0784341677880058,"num_words":52,"start":566.58997,"end":579.655},{"sentences":[{"text":"So with the life and TPD, are you okay with that that situation of mortgages off 700,000 left over for the family?","start":580.755,"end":587.29,"sentiment":"neutral","sentiment_score":-0.05517105825922706},{"text":"Beautiful.","start":591.51,"end":592.01,"sentiment":"positive","sentiment_score":0.4934956431388855},{"text":"One thing too.","start":592.87,"end":593.91,"sentiment":"neutral","sentiment_score":0.2515048583348592},{"text":"If you can do you see a button there that says next document?","start":593.91,"end":596.985,"sentiment":"neutral","sentiment_score":0.07837007538630412},{"text":"If you just click that one big blue table for your hub 24.","start":598.16504,"end":601.385,"sentiment":"neutral","sentiment_score":0.088031700024238}],"sentiment":"neutral","sentiment_score":0.04225903878418299,"num_words":52,"start":580.755,"end":601.385},{"sentences":[{"text":"K.","start":603.84503,"end":604.34503,"sentiment":"neutral","sentiment_score":0.01901774480938911},{"text":"This is the last thing I wanted to show you is just the investment inside the super because, again, we're not changing from high growth at this point, but there's a couple of flags here.","start":604.72504,"end":612.99,"sentiment":"neutral","sentiment_score":-0.022045823026980674},{"text":"Can you see all those ones on the left hand side of the table?","start":612.99,"end":615.71,"sentiment":"neutral","sentiment_score":0.03538757762206452},{"text":"It's got the names of all the investments, Benelong, beta, beta, global.","start":615.71,"end":619.65,"sentiment":"neutral","sentiment_score":0.04820595743755499},{"text":"And right hand side has the very right hand column has percentages.","start":620.19,"end":624.13,"sentiment":"neutral","sentiment_score":0.0438083050151666}],"sentiment":"neutral","sentiment_score":0.011446096959549028,"num_words":74,"start":603.84503,"end":624.13},{"sentences":[{"text":"So see that one on the very top that's in brackets, 21%?","start":626.03,"end":629.265,"sentiment":"neutral","sentiment_score":0.033972917745510735},{"text":"That's a negative that that option's gone down 21%.","start":630.60504,"end":634.54504,"sentiment":"neutral","sentiment_score":-0.2861786600616243},{"text":"All the ones below it, you can see they're up four, twenty, thirteen, thirty eight, twenty, ten.","start":634.685,"end":640.26,"sentiment":"neutral","sentiment_score":0.017334279179682627},{"text":"Those are all your main options that have carried the super this year.","start":640.42,"end":643.48,"sentiment":"neutral","sentiment_score":0.21541971082870776},{"text":"Mainly your international shares, battery tech and lithium, that's like your electric vehicles.","start":644.10004,"end":648.2,"sentiment":"neutral","sentiment_score":0.16869413164945748}],"sentiment":"neutral","sentiment_score":0.04875359016659786,"num_words":64,"start":626.03,"end":648.2},{"sentences":[{"text":"That's shot through the roof.","start":648.42,"end":649.88,"sentiment":"neutral","sentiment_score":0.23237541317939758},{"text":"So is gold, so is your international shares.","start":650.42,"end":652.635,"sentiment":"neutral","sentiment_score":0.1782871400937438},{"text":"The only ones that have had a bit of a dip is China and property at the bottom, which not too concerned about those.","start":652.715,"end":659.115,"sentiment":"neutral","sentiment_score":-0.19026675323645273},{"text":"Obviously, you've seen probably what's happened in the property space with the budget changes.","start":659.115,"end":664.015,"sentiment":"neutral","sentiment_score":-0.09973784908652306},{"text":"Yep.","start":665.515,"end":665.97,"sentiment":"neutral","sentiment_score":-0.02976512536406517}],"sentiment":"neutral","sentiment_score":-0.0654677481462176,"num_words":52,"start":648.42,"end":665.97},{"sentences":[{"text":"It's just that bed along one there at the top that's had a pretty sharp drop, and I'm a bit bit concerned about that kind of underperforming a little bit.","start":666.37,"end":674.47,"sentiment":"neutral","sentiment_score":-0.23343566035230953},{"text":"So what I was wanting to do was look at just sort of getting a replacement option for that one and just doing an engine tune up on the portfolio for you.","start":674.93,"end":683.715,"sentiment":"neutral","sentiment_score":-0.025793051812797785},{"text":"So not change your risk level or anything like that.","start":683.715,"end":685.955,"sentiment":"neutral","sentiment_score":-0.11280818209052086},{"text":"Just kind of remove the bad red apple and put in a fresh green apple.","start":685.955,"end":689.335,"sentiment":"neutral","sentiment_score":-0.03182774384816488},{"text":"K?","start":690.995,"end":691.495,"sentiment":"neutral","sentiment_score":0.08898960053920746}],"sentiment":"neutral","sentiment_score":-0.10619268007576466,"num_words":88,"start":666.37,"end":691.495},{"sentences":[{"text":"One question I do have for it just because Hub's got the most investment in the industry.","start":691.875,"end":695.85,"sentiment":"neutral","sentiment_score":0.16942919790744781},{"text":"There's about 1,300 of them.","start":695.85,"end":698.03,"sentiment":"neutral","sentiment_score":0.16667842864990234},{"text":"Do you have a preference between going low fees or pay higher fees to try and get a higher return?","start":698.57,"end":705.53,"sentiment":"neutral","sentiment_score":0.10398107245564461},{"text":"Like, which way do you lean between the two?","start":705.53,"end":707.145,"sentiment":"neutral","sentiment_score":0.04921089154150751},{"text":"Yeah.","start":712.185,"end":712.685,"sentiment":"neutral","sentiment_score":0.05641373619437218}],"sentiment":"neutral","sentiment_score":0.12101195609340301,"num_words":52,"start":691.875,"end":712.685},{"sentences":[{"text":"Just trying to think of, like, do you have a strong lean towards trying to minimize fees or try and get highest returns?","start":712.745,"end":717.78503,"sentiment":"neutral","sentiment_score":0.04713888320585956},{"text":"Like, what's your gut feeling there?","start":717.78503,"end":720.025,"sentiment":"neutral","sentiment_score":-0.01631508705516656},{"text":"No wrong answers.","start":720.025,"end":720.93,"sentiment":"neutral","sentiment_score":-0.019055169075727463},{"text":"Yep.","start":727.81,"end":728.31,"sentiment":"positive","sentiment_score":0.475169837474823},{"text":"Easy done.","start":728.45,"end":729.35,"sentiment":"positive","sentiment_score":0.5848868191242218}],"sentiment":"neutral","sentiment_score":0.07354519313999584,"num_words":35,"start":712.745,"end":729.35},{"sentences":[{"text":"So, basically, my job is we sift through all the options.","start":731.73,"end":735.02997,"sentiment":"neutral","sentiment_score":0.28177089582790027},{"text":"We've got a few that I'm looking at already for you, and I just wanted to kind of choose between the two.","start":735.075,"end":740.835,"sentiment":"positive","sentiment_score":0.3525788201527162},{"text":"I can get you a good one in either style.","start":740.835,"end":742.85504,"sentiment":"positive","sentiment_score":0.46511937975883483},{"text":"There's no wrong style.","start":743.075,"end":744.455,"sentiment":"neutral","sentiment_score":0.26058997586369514},{"text":"I'm just trying to lean it so you know what your money's in, if that makes sense.","start":744.59503,"end":748.615,"sentiment":"positive","sentiment_score":0.3373740578398985}],"sentiment":"positive","sentiment_score":0.3482051028404385,"num_words":64,"start":731.73,"end":748.615},{"sentences":[{"text":"So what I'll do is I'll leave everything alone in terms of the insurances and everything.","start":749.875,"end":753.65,"sentiment":"neutral","sentiment_score":0.1425788477063179},{"text":"But just for the next couple of weeks, I'm just gonna get a replacement option to top that one up.","start":753.65,"end":757.99,"sentiment":"neutral","sentiment_score":0.12813026681542397},{"text":"The only other consideration is we've partnered with guys called BlackRock.","start":758.21,"end":763.91003,"sentiment":"neutral","sentiment_score":0.1100997044281526},{"text":"They're the biggest fund manager on the planet.","start":764.125,"end":766.04504,"sentiment":"neutral","sentiment_score":0.11621782928705215},{"text":"Have you heard of those guys before?","start":766.04504,"end":767.505,"sentiment":"neutral","sentiment_score":0.03878735963787351}],"sentiment":"neutral","sentiment_score":0.11703577096904477,"num_words":62,"start":749.875,"end":767.505},{"sentences":[{"text":"Yep.","start":768.92505,"end":769.405,"sentiment":"neutral","sentiment_score":0.11376780271530151},{"text":"So one thing that they've been able to develop for us on Hub twenty four is an SMA bubble, which is essentially a portfolio that we can control actively.","start":769.405,"end":779.66003,"sentiment":"neutral","sentiment_score":0.22735677505361623},{"text":"So rather than me saying, hey, Jake.","start":779.88,"end":781.56,"sentiment":"neutral","sentiment_score":0.09469074755907059},{"text":"This one's not done so well.","start":781.56,"end":782.84,"sentiment":"neutral","sentiment_score":-0.027543605615695316},{"text":"Let me get you a document to sign off on switching it out.","start":782.84,"end":786.3,"sentiment":"neutral","sentiment_score":0.15367383796435136}],"sentiment":"neutral","sentiment_score":0.1643294245004654,"num_words":56,"start":768.92505,"end":786.3},{"sentences":[{"text":"We can actually put a bubble around your investments, move it to a slightly cheaper fee, and we can switch things out throughout the the year.","start":786.44,"end":794.38495,"sentiment":"positive","sentiment_score":0.33575477508398205},{"text":"And then you just get the email saying, hey.","start":794.38495,"end":796.14496,"sentiment":"neutral","sentiment_score":0.18968497713406882},{"text":"We've changed this.","start":796.14496,"end":796.865,"sentiment":"neutral","sentiment_score":0.198088139295578},{"text":"We've changed that.","start":796.865,"end":797.90497,"sentiment":"neutral","sentiment_score":0.1744360327720642},{"text":"Would that be of interest?","start":797.90497,"end":798.96497,"sentiment":"neutral","sentiment_score":0.18790316283702851}],"sentiment":"neutral","sentiment_score":0.2716060277560483,"num_words":46,"start":786.44,"end":798.96497},{"sentences":[{"text":"K?","start":800.70496,"end":801.20496,"sentiment":"neutral","sentiment_score":0.08266663551330566},{"text":"So I'll basically compare both, give a recommendation, and in that document, team will call you in a couple of weeks just to run through that with me.","start":801.345,"end":810.56,"sentiment":"neutral","sentiment_score":0.2039952804999692},{"text":"Is there any questions on that so far?","start":810.56,"end":812.5,"sentiment":"neutral","sentiment_score":0.07905178098008037},{"text":"Obviously, I'll have all the updated projections in the document, but any ideas there?","start":812.63995,"end":816.81995,"sentiment":"neutral","sentiment_score":0.027664414074804102},{"text":"Cool.","start":820.72,"end":821.085,"sentiment":"positive","sentiment_score":0.44443783164024353}],"sentiment":"neutral","sentiment_score":0.13959016088539591,"num_words":52,"start":800.70496,"end":821.085},{"sentences":[{"text":"Now last thing I wanted to do, if you could just skip through on the next document button for me, you will see your encompass certificate of currency.","start":821.645,"end":829.48505,"sentiment":"neutral","sentiment_score":0.13627802101629122},{"text":"It's a bit of a teal green blue type color.","start":829.48505,"end":832.145,"sentiment":"neutral","sentiment_score":0.1463235415518284},{"text":"That's just your policy certificate if you need a claim on it.","start":832.92505,"end":835.84,"sentiment":"neutral","sentiment_score":0.30211789906024933},{"text":"We help with claims packs as well.","start":835.84,"end":837.84,"sentiment":"positive","sentiment_score":0.36708896926471163},{"text":"Can you just go next document again for me a couple more times?","start":837.84,"end":841.06006,"sentiment":"neutral","sentiment_score":0.13782296215112394}],"sentiment":"neutral","sentiment_score":0.18951080122164318,"num_words":70,"start":821.645,"end":841.06006},{"sentences":[{"text":"You'll see Vanguard index chart, big red one.","start":841.28,"end":844.82,"sentiment":"neutral","sentiment_score":0.12511285953223705},{"text":"Cool.","start":845.44,"end":845.895,"sentiment":"positive","sentiment_score":0.4078038930892944},{"text":"One after that is a services guide.","start":846.215,"end":848.29504,"sentiment":"neutral","sentiment_score":0.18041507048266275},{"text":"You'll see a big city picture, blue document.","start":848.29504,"end":850.635,"sentiment":"neutral","sentiment_score":0.1981134433299303},{"text":"So that's our updated services guide.","start":851.495,"end":853.515,"sentiment":"neutral","sentiment_score":0.19426423559586206}],"sentiment":"neutral","sentiment_score":0.1807368407646815,"num_words":30,"start":841.28,"end":853.515},{"sentences":[{"text":"We have changed our fee structure at the moment.","start":853.655,"end":857.335,"sentiment":"neutral","sentiment_score":0.17037082877424028},{"text":"So everybody above $200,000, we can apply tiered fee discounts for you guys.","start":857.335,"end":864.42004,"sentiment":"neutral","sentiment_score":0.25677369649593645},{"text":"So between 200,000, 500,000, instead of paying 1.65%, it drops down to about 1.3.","start":864.56,"end":871.62,"sentiment":"neutral","sentiment_score":0.16930734419396945},{"text":"And then everything after 0.5 a mil, we're dropping it down to 1.1 after that.","start":871.76,"end":876.575,"sentiment":"neutral","sentiment_score":0.14842566947142283},{"text":"The only difference with it before I can actually apply it to your account is it's a it's a flat fee.","start":876.955,"end":883.195,"sentiment":"neutral","sentiment_score":0.1431783742847897}],"sentiment":"neutral","sentiment_score":0.17326151714142826,"num_words":72,"start":853.655,"end":883.195},{"sentences":[{"text":"So rather than the percentage going up and down with your balance is we basically just supply a discount and then just lock it in for twelve months.","start":883.195,"end":890.02,"sentiment":"neutral","sentiment_score":0.19806456645684584},{"text":"That way, you've got some certainty for what's coming out and, you know, exactly the amount that you're gonna pay.","start":890.16003,"end":896.5,"sentiment":"neutral","sentiment_score":0.31351482644677164},{"text":"So I just wanted to run that new structure by you, whether you're interested in the discounts or if you have any worries about that that flat structure.","start":896.72003,"end":905.155,"sentiment":"positive","sentiment_score":0.39535572645919664},{"text":"Cool.","start":907.375,"end":907.875,"sentiment":"positive","sentiment_score":0.4951583743095398},{"text":"So what I'll do, if you can just click through the next document after that.","start":907.935,"end":912.115,"sentiment":"neutral","sentiment_score":0.21881084938844045}],"sentiment":"neutral","sentiment_score":0.2898194113665301,"num_words":92,"start":883.195,"end":912.115},{"sentences":[{"text":"Can you see it says consent to renew ongoing fee arrangement with hub twenty four?","start":913.79004,"end":918.21,"sentiment":"neutral","sentiment_score":0.14248195091883342},{"text":"So what I'm gonna do is straight after this call, I'm gonna send you a text message, and I'm gonna update this document for that tiered fee structure to apply for the discount.","start":919.55005,"end":927.17004,"sentiment":"neutral","sentiment_score":0.09759998468287064},{"text":"And then if you click next document one more time for me if it lets you, there'll be a option to provide tax file number document.","start":927.52496,"end":935.44495,"sentiment":"neutral","sentiment_score":0.06080480493032015},{"text":"Last one.","start":935.44495,"end":935.925,"sentiment":"neutral","sentiment_score":0.03385889530181885},{"text":"Can you see that there, Jay?","start":935.925,"end":937.38495,"sentiment":"neutral","sentiment_score":0.03670884824047486}],"sentiment":"neutral","sentiment_score":0.08813322642136638,"num_words":82,"start":913.79004,"end":937.38495},{"sentences":[{"text":"Yes.","start":942.02997,"end":942.26996,"sentiment":"neutral","sentiment_score":0.10663743317127228},{"text":"So don't worry about that one.","start":942.26996,"end":943.38995,"sentiment":"neutral","sentiment_score":0.22745355715354285},{"text":"I just wanna let you know that when I resend this through with the discount applied, you'll basically get to this point.","start":943.38995,"end":948.67,"sentiment":"neutral","sentiment_score":0.25257143445990304},{"text":"The option to start will put the signatures on, so don't click that now.","start":948.67,"end":952.85,"sentiment":"neutral","sentiment_score":0.11850863482270922},{"text":"And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number.","start":952.91,"end":961.805,"sentiment":"neutral","sentiment_score":0.13693498525964587}],"sentiment":"neutral","sentiment_score":0.17148865014314651,"num_words":81,"start":942.02997,"end":961.805},{"sentences":[{"text":"Cool.","start":963.705,"end":964.025,"sentiment":"neutral","sentiment_score":0.1278531700372696},{"text":"Any questions for me before I let you go?","start":964.025,"end":965.965,"sentiment":"neutral","sentiment_score":0.057871141367488436},{"text":"Easy done.","start":969.27,"end":969.99005,"sentiment":"positive","sentiment_score":0.5513239949941635},{"text":"So, basically, I'll go away and do the research, tune up the portfolio.","start":969.99005,"end":973.45,"sentiment":"neutral","sentiment_score":0.2887394428253174},{"text":"I'll run you through that document.","start":973.67004,"end":975.03,"sentiment":"neutral","sentiment_score":0.24412709971268973}],"sentiment":"neutral","sentiment_score":0.22482957378510507,"num_words":31,"start":963.705,"end":975.03},{"sentences":[{"text":"It usually takes about fifteen minutes, but we'll get you booked in in a couple of weeks' time just to make sure you're happy with what we're changing.","start":975.03,"end":981.77,"sentiment":"neutral","sentiment_score":0.240775039685624},{"text":"And I'll send you a text as soon as I resend this email through.","start":982.265,"end":986.105,"sentiment":"neutral","sentiment_score":0.27390813401767183},{"text":"If you can just pop through and sign the discounted fee arrangement and the tax file doc, we can get everything sorted, and I'd appreciate that.","start":986.105,"end":994.365,"sentiment":"positive","sentiment_score":0.38527246851187485},{"text":"Awesome, mate.","start":997.145,"end":997.78503,"sentiment":"positive","sentiment_score":0.6240389943122864},{"text":"Any other things I can help you with between now and our next catch up?","start":997.78503,"end":1001.38,"sentiment":"neutral","sentiment_score":0.2967899918556213}],"sentiment":"neutral","sentiment_score":0.30933443570838254,"num_words":85,"start":975.03,"end":1001.38},{"sentences":[{"text":"Cool.","start":1004.48,"end":1004.88,"sentiment":"positive","sentiment_score":0.41621339321136475},{"text":"Look.","start":1004.88,"end":1005.12,"sentiment":"positive","sentiment_score":0.3583781123161316},{"text":"I do appreciate you taking the the call.","start":1005.12,"end":1006.95996,"sentiment":"positive","sentiment_score":0.5428008809685707},{"text":"I know you weren't expecting it today, but I I really just wanted to kind of jump on and fix up the portfolio a little bit before it went too long.","start":1006.95996,"end":1014.735,"sentiment":"neutral","sentiment_score":0.3236566169127341},{"text":"And then I didn't wanna talk to you Christmas time saying, oh, it just kept crashing all year, Jake, but I couldn't talk to you.","start":1014.735,"end":1019.715,"sentiment":"neutral","sentiment_score":-0.30122744500637055}],"sentiment":"neutral","sentiment_score":0.11544950836987207,"num_words":66,"start":1004.48,"end":1019.715},{"sentences":[{"text":"Awesome.","start":1022.095,"end":1022.495,"sentiment":"positive","sentiment_score":0.6990236639976501},{"text":"Thank you so much for your time, mate, and I'll talk to you in a couple of weeks.","start":1022.495,"end":1025.1029,"sentiment":"positive","sentiment_score":0.648634660575125},{"text":"Weeks.","start":1027.023,"end":1027.1029,"sentiment":"neutral","sentiment_score":0.2816438376903534},{"text":"Cheers.","start":1027.1029,"end":1027.5829,"sentiment":"positive","sentiment_score":0.5482982397079468},{"text":"Bye.","start":1027.5829,"end":1028.0829,"sentiment":"neutral","sentiment_score":0.3282983899116516}],"sentiment":"positive","sentiment_score":0.6151221828027205,"num_words":22,"start":1022.095,"end":1028.0829}]}}]},{"alternatives":[{"transcript":"Hello. This is Jake. Good. Thanks, mate. How are you? Yeah. For a little bit of time, mate. I forgot all about it, but yeah. Yep. Yep. Yeah. No. I should yep. 06/27/0997, and my address is 3 Tiremaic Crescent, Gobi Gobi Island. Yep. Probably not really at this stage, to be honest. Yep. Yep. Yep. That's right. No. It's office based role, but I'm not a not a managerial role at all. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Probably. Yeah. Yeah. I think it's about $3.40. No. No. We're going going to Europe October next year, so probably just trying get some money together for that. Yeah. Yeah. And I mean, we're at up to 8% contribution at the moment. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. I reckon. Yeah. I think it's mine. Yep. Sorry. Disparting, man. There we go. Yep. Hold on a second. Right. So it's just loaded. Definitely attached. The blue button there that says find document. Yes. One sec. That's just loading. It's loading me on, mate. My wife says I just wanna join. Oh, yeah. So it says some of your summary of insurance. Yep. 10KDot99. Yep. No. Not too worried about income protection. We've got, like, unlimited securities. And, I mean yeah. Now that I'm sitting in an office too and I can work from home, so there's not, yeah, not much need there, really. Yeah. Yeah. Yeah. I think so. At this stage. Yeah. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yeah. Yep. Yep. Just that that requires an option. The initial gut feeling is the higher returns, to be honest. But then yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. No. That's what we Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Click sorry. I didn't click to start the button now. Yep. Yeah. No. No. That's all good, man. Yep. No worries. No. That's a good thing tonight. Yeah. Not over then. Right. Two 80. I'm fine. 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This is Jake. Good. Thanks, mate. How are you?\n\nYeah. For a little bit of time, mate. I forgot all about it, but yeah. Yep. Yep.\n\nYeah. No. I should yep. 06/27/0997, and my address is 3 Tiremaic Crescent, Gobi Gobi Island. Yep.\n\nProbably not really at this stage, to be honest. Yep. Yep. Yep. That's right.\n\nNo. It's office based role, but I'm not a not a managerial role at all. Yeah. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Probably.\n\nYeah. Yeah. I think it's about $3.40. No. No.\n\nWe're going going to Europe October next year, so probably just trying get some money together for that. Yeah. Yeah. And I mean, we're at up to 8% contribution at the moment. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. I reckon. Yeah. I think it's mine.\n\nYep. Sorry. Disparting, man. There we go. Yep.\n\nHold on a second. Right. So it's just loaded. Definitely attached. The blue button there that says find document.\n\nYes. One sec. That's just loading. It's loading me on, mate. My wife says I just wanna join.\n\nOh, yeah. So it says some of your summary of insurance. Yep. 10KDot99. Yep.\n\nNo. Not too worried about income protection. We've got, like, unlimited securities. And, I mean yeah. Now that I'm sitting in an office too and I can work from home, so there's not, yeah, not much need there, really.\n\nYeah. Yeah. Yeah. I think so. At this stage.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. Yep. Yeah.\n\nYep. Yep. Just that that requires an option. The initial gut feeling is the higher returns, to be honest. But then yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. No. That's what we Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Click sorry. I didn't click to start the button now.\n\nYep. Yeah. No. No. That's all good, man.\n\nYep. No worries. No. That's a good thing tonight. Yeah.\n\nNot over then. Right. Two 80. I'm fine. Yeah.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.52,"sentiment":"neutral","sentiment_score":0.05424570292234421},{"text":"This is Jake.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.05488314355413119},{"text":"Good.","start":7.44,"end":7.68,"sentiment":"positive","sentiment_score":0.5386685729026794},{"text":"Thanks, mate.","start":7.68,"end":8.16,"sentiment":"positive","sentiment_score":0.6566730737686157},{"text":"How are you?","start":8.16,"end":8.98,"sentiment":"positive","sentiment_score":0.44759883483250934}],"sentiment":"positive","sentiment_score":0.34137063585221766,"num_words":10,"start":1.12,"end":8.98},{"sentences":[{"text":"Yeah.","start":16.775,"end":17.015,"sentiment":"neutral","sentiment_score":0.032811716198921204},{"text":"For a little bit of time, mate.","start":17.015,"end":18.475,"sentiment":"neutral","sentiment_score":0.026642954243080958},{"text":"I forgot all about it, but 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This is Jake.\n\nChannel 0: Good afternoon, Jake. It's Tommy here, mate, senior adviser of your financial. How are you doing?\n\nChannel 1: Good. Thanks, mate. How are you?\n\nChannel 0: Living the dream. Living the dream. Just giving you a call to go through a bit of an annual review. Have you still got some time for\n\nChannel 1: Yeah. For a little bit of time, mate.\n\nChannel 0: me? Cool.\n\nChannel 1: I forgot\n\nChannel 0: I'll keep\n\nChannel 1: all\n\nChannel 0: it.\n\nChannel 1: about it, but yeah.\n\nChannel 0: That's alright. I'll keep it short and sweet. Couple of things I really wanted to touch base with you on today just because, you know, well, it's going a bit crazy at the moment, and and then I can leave you on your merry way. Cool. So I've got a bit of an annual review pack that I will send out to you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Just while I'm popping that out there, will you have access to your emails, or should I just kind of walk you through what's\n\nChannel 1: Yeah.\n\nChannel 0: coming\n\nChannel 1: No. I should yep.\n\nChannel 0: through? Cool. So I'll pop that through now. Just while that's coming through, if I can just confirm security with you, and I have seen a couple of changes here. Can I just get your date of birth and address for security, mate?\n\nChannel 1: 06/27/0997, and my address is 3 Tiremaic Crescent, Gobi Gobi Island.\n\nChannel 0: Thank you very much. And I'm registered with Asic as adviser 1273105. Are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Beautiful. So that's popping through to your Hotmail address, and it's just got the usual pack there. We've got some updated summaries, some performance, your insurance certificate, some updated service guides with us, and just a couple of forms there that we've got a little bit new for this year. Is there anything in particular that you're hoping to get out of this year's review?\n\nAnything kind of burning questions or things to to consider?\n\nChannel 1: Probably not really at this stage, to be honest.\n\nChannel 0: I did note that you've had the occupation change. We've gone to engineering officer bumped up to 125,000. Fantastic.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We've got essential energy still for that one.\n\nChannel 1: Yep. That's right.\n\nChannel 0: Beautiful. So no rule changes there with the employer. Engineering officer, just super quick, your duty change, have you gone, like, fully managerial with it? Like, your officer with the team under you, or you're still on the tools, or what's the what's the go?\n\nChannel 1: No. It's office based role, but I'm not a not a managerial role at all. Yeah.\n\nChannel 0: Beautiful. Gotcha. Gotcha. Gotcha. Alrighty.\n\nGot that there. Quick little recap of a few things. So you're married with Sarah, three children.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And we've got your Sarah's associate beneficiary for the super. Receive a 100% of that. I'm assuming you're still comfortable for her to be listed for the super and the life insurance.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. I don't think there's, like, a will in place. So, again, yearly reminder about wills and powers of attorney and things like that, but the beneficiaries look pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. No changes to address or anything like that. And with the 125,000. Last two things to update on my end, mate, is just assets and liabilities and just in terms of your goals and everything. So I had you there trying to retire as early as possible towards age 60.\n\nI know that's a while away, but not wanting to work through until your 70. Does that sound about right?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And is the main focus for you guys just kind of does it mention they have the great nomad lifestyle to kind of just look like pay off the house, caravan around down the line?\n\nChannel 1: Yeah. Probably. Yeah.\n\nChannel 0: Yep. We had your house. I'll I'll do a quick updated online valuation myself. But just on the mortgage, we had you owing $3.50. Does that change significantly?\n\nChannel 1: Yeah. I think it's about $3.40.\n\nChannel 0: Yep. Nice. Any other priorities for you guys for the next twelve months?\n\nChannel 1: No. No. We're going going to Europe October next year, so probably just trying get some money together for that.\n\nChannel 0: Beautiful. So I probably won't ask you to do some salary sacrifice into your super because you're saving for a holiday and paying off a mortgage. Would that be right for your cash flow priority, should I say?\n\nChannel 1: Yeah. Yeah. And I mean, we're at up to 8% contribution at the moment.\n\nChannel 0: Yeah. It's pretty pretty solid amount coming through in there as well, so I think it's kind of it's doing enough on its own. There's no need\n\nChannel 1: Yeah.\n\nChannel 0: to kind of bump it up. And you're already in, like, the high growth portfolio. You're trying to get those high long term returns. So you've got a pretty healthy balance for your age. I'm looking at the contributions coming through.\n\nIt looks sweet. Twelve months ago, you were sitting at 217,000. You're up to $2.44. And just a a quick little FYI for you on the super, all the returns, like, percentage based. So because you're in a high growth and you're trying to aim for that ten, twenty, 30%, now that you've built this huge base up, you're gonna be having these swings of about 25 to $50,000 a year up and down like a bit of a roller coaster as the\n\nChannel 1: Yep.\n\nChannel 0: markets grow because you don't have that old, you know, $30 account where you're growing $2,000, and the\n\nChannel 1: Yep.\n\nChannel 0: bulk of it is what you're putting in from work. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now we've had a little bit of a a dip in the year. I don't know if you saw, but the old conflicts kicked off the stock market in March, caused everything to drop. But your portfolio is done pretty good. So it went from $2.30 down to $2.14.\n\nThat's just an idea for you in in the volatility when the market goes down. So it\n\nChannel 1: Yeah.\n\nChannel 0: went down about $20, and then it bumped up to $2.44 a month or two later. So it's 30\n\nChannel 1: Yeah.\n\nChannel 0: grand up kind of thing. So are you still comfortable with that idea of just kind of going for gold until you're a bit older, and then\n\nChannel 1: Yeah.\n\nChannel 0: we can connect it once you got your million dollars.\n\nChannel 1: Yeah. I reckon.\n\nChannel 0: Yep. Couple of things I just want to quickly flag with you is just in terms of the portfolio. Have you got that email that I sent through to you?\n\nChannel 1: Yeah. I think it's mine.\n\nChannel 0: And when you grab that, it should say Oakview signature request for annual review. And when you click on the old purple button, it'll bring up the documents for us to to look at together. And I just wanted to kind of cap off a couple of things there.\n\nChannel 1: Yep. Sorry. Disparting, man.\n\nChannel 0: No.\n\nChannel 1: There\n\nChannel 0: You're\n\nChannel 1: we\n\nChannel 0: right. My my computer's been slow all day.\n\nChannel 1: go.\n\nChannel 0: And what I wanna kinda look at when you grab it is the first one's just a summary. It's just got your like, for your letterhead, hub 24 super, and your Compass insurance policy on there. And I just\n\nChannel 1: Yep.\n\nChannel 0: wanna quickly touch on that one. Can you see the life and TPD cover on that document?\n\nChannel 1: Hold on a second. Right. So it's just loaded. Definitely\n\nChannel 0: Are you\n\nChannel 1: attached.\n\nChannel 0: right?\n\nChannel 1: The blue button there that says find document.\n\nChannel 0: Yeah. So hit that one to bring up the documents. You don't have to sign anything there. It just lets\n\nChannel 1: Yes.\n\nChannel 0: you scroll through it and click around.\n\nChannel 1: One sec. That's\n\nChannel 0: And the first\n\nChannel 1: just\n\nChannel 0: one's\n\nChannel 1: loading.\n\nChannel 0: just a one pager.\n\nChannel 1: It's loading me on, mate. My wife says I just wanna join.\n\nChannel 0: Do you get the old NBN sorted out out there or maybe a bit of Starlink or something?\n\nChannel 1: Oh, yeah. So it says some of your summary of insurance.\n\nChannel 0: Yep. Just quickly on the Encompass policy below, can you see that life and TBD, 840000?\n\nChannel 1: Yep. 10KDot99.\n\nChannel 0: Yep. So just quickly with the life and TPD. So if you pass away, it can never work again. 840,000 plus the super comes out, which puts you at around a mil.\n\nChannel 1: Yep.\n\nChannel 0: That'll pay off the mortgage, give you about 700,000 for, you know, the kids, the missus, look after Sarah, that kind of thing. You don't have any income protection, but you've changed your occupation. I just wanted to touch base. It's still under a thousand bucks once you get the rebate, so premiums are pretty cheap at the moment. Are you wanting me to look at any kind of increase or decrease there for this year?\n\nChannel 1: No. Not too worried about income protection. We've got, like, unlimited securities. And, I mean yeah. Now that I'm sitting in an office too and I can work from home, so there's not, yeah, not much\n\nChannel 0: A\n\nChannel 1: need\n\nChannel 0: little bit\n\nChannel 1: there,\n\nChannel 0: less\n\nChannel 1: really.\n\nChannel 0: risk there. Beauty. So unlimited sick leave. Don't need to worry about the income protection. As far as trauma cover for heart attack, stroke, and cancer, you've got the public system\n\nChannel 1: Yeah.\n\nChannel 0: there as well. And like\n\nChannel 1: Yeah.\n\nChannel 0: you said, your cash flow is kind of being eaten up by holidays and mortgage at the moment. So with the life and TPD, are you okay with that that situation of mortgages off 700,000 left over for the family?\n\nChannel 1: Yeah. I think so. At this stage. Yeah.\n\nChannel 0: Beautiful. One thing too. If you can do you see a button there that says next document? If you just click that one big blue table for your hub 24.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K. This is the last thing I wanted to show you is just the investment inside the super because, again, we're not changing from high growth at this point, but there's a couple of flags here. Can you see all those ones on the left hand side of the table? It's got the names of all the investments, Benelong, beta, beta, global.\n\nChannel 1: Yep.\n\nChannel 0: And right hand side has the very right hand column has percentages.\n\nChannel 1: Yep.\n\nChannel 0: So see that one on the very top that's in brackets, 21%?\n\nChannel 1: Yep.\n\nChannel 0: That's a negative that that option's gone down 21%. All the ones below it, you can see they're up four, twenty, thirteen, thirty eight, twenty, ten. Those are\n\nChannel 1: Yes.\n\nChannel 0: all your main options that have carried the super this year. Mainly your international shares, battery tech and lithium, that's like your electric vehicles. That's shot through the roof. So is gold, so is your international shares. The only ones that have had a bit of a dip is China and property at the bottom, which not too concerned about those.\n\nObviously, you've seen probably what's happened in the property space with\n\nChannel 1: Yep.\n\nChannel 0: the budget changes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. It's just that bed along one there at the top that's had a pretty sharp drop, and\n\nChannel 1: Yeah.\n\nChannel 0: I'm a bit bit concerned about that kind of underperforming a little bit. So what I was wanting to do was look at just sort of getting a replacement option for that one and just doing an engine tune up on the portfolio for you. So not change your risk level or anything like that. Just kind\n\nChannel 1: Yep.\n\nChannel 0: of remove the bad red apple and put in a fresh green apple.\n\nChannel 1: Yep.\n\nChannel 0: K? One question I do have for it just because Hub's got the most investment in the industry. There's about 1,300 of them. Do you have a preference between going low fees or pay higher fees to try and get a higher return? Like, which way do you lean between the two?\n\nChannel 1: Just that that requires an option.\n\nChannel 0: Yeah. Just trying to think of, like, do you have a strong lean towards trying to minimize fees or try and get highest returns? Like, what's your gut feeling there? No wrong answers.\n\nChannel 1: The initial gut feeling is the higher returns, to be honest.\n\nChannel 0: Yep. Easy done.\n\nChannel 1: But then yeah.\n\nChannel 0: So, basically, my job is we sift through all the options. We've got a few that I'm looking at already for you, and I just wanted to kind of choose between the two. I can get you a good one in either style. There's no wrong style.\n\nChannel 1: Yep.\n\nChannel 0: I'm just trying to lean it so you know what your money's in, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So what I'll do is I'll leave everything alone in terms of the insurances and everything. But just for the next couple of weeks, I'm just gonna get a replacement option to top that one up. The only other consideration is we've partnered with guys called BlackRock. They're the biggest fund manager on the planet. Have you heard of those guys before?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So one thing that they've been able to develop for us on Hub twenty four is an SMA bubble, which is essentially a portfolio that we can control actively. So rather than me saying, hey, Jake. This one's not done so well. Let me get you a document to sign off on switching it out.\n\nWe can actually put a bubble around your investments, move it to a slightly cheaper fee, and we can switch things out throughout the the year. And then you just get the email saying, hey. We've changed this. We've changed that. Would that be of\n\nChannel 1: Yeah.\n\nChannel 0: interest?\n\nChannel 1: Yeah.\n\nChannel 0: K? So I'll basically compare both, give a recommendation, and in that document, team will call you in a couple of weeks just to run through\n\nChannel 1: Yeah.\n\nChannel 0: that with me. Is there any questions on that so far? Obviously, I'll have all the updated projections in the document, but any ideas there?\n\nChannel 1: Yeah. No. That's what we\n\nChannel 0: Cool. Now last thing I wanted to do, if you could just skip through on the next document button for me,\n\nChannel 1: Yep.\n\nChannel 0: you will see your encompass certificate of currency. It's a bit of a teal green blue type color.\n\nChannel 1: Yep. Yep.\n\nChannel 0: That's just your policy certificate if you need a claim on it. We help with claims packs as well. Can you just go next document again for me a couple more times? You'll see Vanguard index chart, big red one. Cool.\n\nOne after that is a services guide. You'll see a big city picture, blue\n\nChannel 1: Yep.\n\nChannel 0: document.\n\nChannel 1: Yep.\n\nChannel 0: So that's our updated services guide. We have changed our fee structure at the moment. So everybody above $200,000, we can apply tiered fee discounts for you guys. So between 200,000, 500,000, instead of paying 1.65%, it drops down to about 1.3. And then everything after 0.5 a mil, we're dropping it down to 1.1 after that.\n\nThe\n\nChannel 1: Yep.\n\nChannel 0: only difference with it before I can actually apply it to your account is it's a it's a flat fee. So rather than the percentage going up and down with your balance is we basically just supply a discount and then just lock it in for twelve months. That way, you've got some certainty for what's coming out and, you know, exactly the amount that you're gonna pay. So I just wanted to run that new structure by you, whether you're interested in the discounts or if you have any worries about that that flat structure.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. So what I'll do, if you can just click through the next document after that.\n\nChannel 1: Yep.\n\nChannel 0: Can you see it says consent to renew ongoing fee arrangement with hub twenty four?\n\nChannel 1: Yep.\n\nChannel 0: So what I'm gonna do is straight after this call, I'm gonna send you a text message, and I'm gonna update this document for that tiered fee structure to apply for the discount. And then if you click next document one more time for me if it lets you, there'll be a option to provide tax file number document. Last one. Can you see that there, Jay?\n\nChannel 1: Click sorry. I didn't click to start the button now.\n\nChannel 0: Yes. So don't worry about that one. I just wanna let you know that when I resend this through with the discount applied, you'll basically get to this point. The option to start will put the signatures on, so don't\n\nChannel 1: Yep.\n\nChannel 0: click that now. And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number.\n\nChannel 1: Yeah. No.\n\nChannel 0: Cool. Any questions for me before I let you go?\n\nChannel 1: No. That's all good, man.\n\nChannel 0: Easy done. So, basically, I'll go away and do the research, tune up the portfolio. I'll run you through that document. It usually takes about fifteen minutes, but we'll get you booked in in a couple of weeks' time just to make sure you're happy with what we're changing. And I'll send you a text as soon as I resend this email through.\n\nIf you can just pop through and sign the discounted fee arrangement and the tax file doc, we can get everything sorted, and I'd appreciate that.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Awesome, mate. Any other things I can help you with between now and our next catch up?\n\nChannel 1: No. That's a good thing tonight.\n\nChannel 0: Cool. Look. I\n\nChannel 1: Yeah.\n\nChannel 0: do appreciate you taking the the call. I know you weren't expecting it today, but I I really just wanted to kind of jump on and fix up the portfolio a little bit before it went too long. And then I didn't wanna talk to you Christmas time saying, oh, it just kept crashing all year, Jake, but I couldn't talk to you.\n\nChannel 1: Not over then.\n\nChannel 0: Awesome. Thank you so much for your time, mate, and I'll talk to you in a couple of weeks.\n\nChannel 1: Right. Two 80. I'm fine.\n\nChannel 0: Weeks. Cheers. Bye.\n\nChannel 1: Yeah.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.52,"sentiment":"neutral","sentiment_score":0.05424570292234421},{"text":"This is Jake.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.05488314355413119}],"sentiment":"neutral","sentiment_score":0.054723783396184444,"channel":1,"num_words":4,"start":1.12,"end":2.34},{"sentences":[{"text":"Good afternoon, Jake.","start":2.8799999,"end":3.84,"sentiment":"neutral","sentiment_score":0.33241931597391766},{"text":"It's Tommy here, mate, senior adviser of your financial.","start":3.84,"end":6.48,"sentiment":"neutral","sentiment_score":0.2132256676753362},{"text":"How are you doing?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.19786211475729942}],"sentiment":"neutral","sentiment_score":0.23173358850181103,"channel":0,"num_words":16,"start":2.8799999,"end":7.2999997},{"sentences":[{"text":"Good.","start":7.44,"end":7.68,"sentiment":"positive","sentiment_score":0.5386685729026794},{"text":"Thanks, mate.","start":7.68,"end":8.16,"sentiment":"positive","sentiment_score":0.6566730737686157},{"text":"How are you?","start":8.16,"end":8.98,"sentiment":"positive","sentiment_score":0.44759883483250934}],"sentiment":"positive","sentiment_score":0.5324685374895731,"channel":1,"num_words":6,"start":7.44,"end":8.98},{"sentences":[{"text":"Living the dream.","start":9.12,"end":9.84,"sentiment":"positive","sentiment_score":0.4867207109928131},{"text":"Living the dream.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.5157783230145773},{"text":"Just giving you a call to go through a bit of an annual review.","start":10.88,"end":13.84,"sentiment":"neutral","sentiment_score":0.1445413450045245},{"text":"Have you still got some time for","start":13.84,"end":15.105,"sentiment":"neutral","sentiment_score":0.029519542519535338}],"sentiment":"neutral","sentiment_score":0.19398936036008377,"channel":0,"num_words":27,"start":9.12,"end":15.105},{"sentences":[{"text":"Yeah.","start":16.775,"end":17.015,"sentiment":"neutral","sentiment_score":0.032811716198921204},{"text":"For a little bit of time, mate.","start":17.015,"end":18.475,"sentiment":"neutral","sentiment_score":0.026642954243080958}],"sentiment":"neutral","sentiment_score":0.027414049487560987,"channel":1,"num_words":8,"start":16.775,"end":18.475},{"sentences":[{"text":"me?","start":18.945,"end":19.265,"sentiment":"neutral","sentiment_score":0.030991775915026665},{"text":"Cool.","start":19.265,"end":19.664999,"sentiment":"neutral","sentiment_score":0.14842352271080017}],"sentiment":"neutral","sentiment_score":0.08970764931291342,"channel":0,"num_words":2,"start":18.945,"end":19.664999},{"sentences":[{"text":"I forgot","start":19.415,"end":19.975,"sentiment":"neutral","sentiment_score":0.036912061274051666}],"sentiment":"neutral","sentiment_score":0.036912061274051666,"channel":1,"num_words":2,"start":19.415,"end":19.975},{"sentences":[{"text":"I'll keep","start":19.664999,"end":20.064999,"sentiment":"neutral","sentiment_score":0.0003490205854177475}],"sentiment":"neutral","sentiment_score":0.0003490205854177475,"channel":0,"num_words":2,"start":19.664999,"end":20.064999},{"sentences":[{"text":"all","start":19.975,"end":20.135,"sentiment":"neutral","sentiment_score":-0.05267933756113053}],"sentiment":"neutral","sentiment_score":-0.05267933756113053,"channel":1,"num_words":1,"start":19.975,"end":20.135},{"sentences":[{"text":"it.","start":20.064999,"end":20.564999,"sentiment":"neutral","sentiment_score":0.004785291850566864}],"sentiment":"neutral","sentiment_score":0.004785291850566864,"channel":0,"num_words":1,"start":20.064999,"end":20.564999},{"sentences":[{"text":"about it, but yeah.","start":20.135,"end":21.445,"sentiment":"neutral","sentiment_score":0.0478623453527689}],"sentiment":"neutral","sentiment_score":0.0478623453527689,"channel":1,"num_words":4,"start":20.135,"end":21.445},{"sentences":[{"text":"That's alright.","start":21.505,"end":22.145,"sentiment":"neutral","sentiment_score":0.22900113463401794},{"text":"I'll keep it short and sweet.","start":22.145,"end":23.445,"sentiment":"neutral","sentiment_score":0.3129943410555522},{"text":"Couple of things I really wanted to touch base with you on today just because, you know, well, it's going a bit crazy at the moment, and and then I can leave you on your merry way.","start":23.744999,"end":31.699999,"sentiment":"neutral","sentiment_score":0.33059863786439636},{"text":"Cool.","start":33.04,"end":33.54,"sentiment":"positive","sentiment_score":0.4194781184196472},{"text":"So I've got a bit of an annual review pack that I will send out to you.","start":33.84,"end":37.699997,"sentiment":"neutral","sentiment_score":0.27497512715704303}],"sentiment":"neutral","sentiment_score":0.312097987248784,"channel":0,"num_words":63,"start":21.505,"end":37.699997},{"sentences":[{"text":"Yep.","start":37.620003,"end":38.120003,"sentiment":"neutral","sentiment_score":0.1284123957157135},{"text":"Yep.","start":38.260002,"end":38.760002,"sentiment":"neutral","sentiment_score":0.09400775283575058}],"sentiment":"neutral","sentiment_score":0.11121007427573204,"channel":1,"num_words":2,"start":37.620003,"end":38.760002},{"sentences":[{"text":"Just while I'm popping that out there, will you have access to your emails, or should I just kind of walk you through what's","start":38.48,"end":43.305,"sentiment":"neutral","sentiment_score":0.07109913152332108}],"sentiment":"neutral","sentiment_score":0.07109913152332108,"channel":0,"num_words":24,"start":38.48,"end":43.305},{"sentences":[{"text":"Yeah.","start":45.235,"end":45.475,"sentiment":"neutral","sentiment_score":0.014753028750419617}],"sentiment":"neutral","sentiment_score":0.014753028750419617,"channel":1,"num_words":1,"start":45.235,"end":45.475},{"sentences":[{"text":"coming","start":45.385002,"end":45.885002,"sentiment":"neutral","sentiment_score":-0.0029254108667373657}],"sentiment":"neutral","sentiment_score":-0.0029254108667373657,"channel":0,"num_words":1,"start":45.385002,"end":45.885002},{"sentences":[{"text":"No.","start":45.475,"end":45.715,"sentiment":"neutral","sentiment_score":-0.04741550609469414},{"text":"I should yep.","start":45.715,"end":46.615,"sentiment":"neutral","sentiment_score":-0.0403097594777743}],"sentiment":"neutral","sentiment_score":-0.04208619613200426,"channel":1,"num_words":4,"start":45.475,"end":46.615},{"sentences":[{"text":"through?","start":47.065,"end":47.565,"sentiment":"neutral","sentiment_score":0.00653252936899662},{"text":"Cool.","start":47.865,"end":48.105,"sentiment":"neutral","sentiment_score":0.15750619769096377},{"text":"So I'll pop that through now.","start":48.105,"end":49.705,"sentiment":"neutral","sentiment_score":0.15577943623065948},{"text":"Just while that's coming through, if I can just confirm security with you, and I have seen a couple of changes here.","start":49.705,"end":56.46,"sentiment":"neutral","sentiment_score":0.09144262935627591},{"text":"Can I just get your date of birth and address for security, mate?","start":56.78,"end":59.6,"sentiment":"neutral","sentiment_score":0.05243897008208128}],"sentiment":"neutral","sentiment_score":0.08818976282207079,"channel":0,"num_words":43,"start":47.065,"end":59.6},{"sentences":[{"text":"06/27/0997, and my address is 3 Tiremaic Crescent, Gobi Gobi Island.","start":60.69,"end":66.71,"sentiment":"neutral","sentiment_score":0.03206262288784439}],"sentiment":"neutral","sentiment_score":0.03206262288784439,"channel":1,"num_words":11,"start":60.69,"end":66.71},{"sentences":[{"text":"Thank you very much.","start":67.26,"end":68.14,"sentiment":"positive","sentiment_score":0.40926266461610794},{"text":"And I'm registered with Asic as adviser 1273105.","start":68.14,"end":71.524994,"sentiment":"neutral","sentiment_score":0.09354870673269033},{"text":"Are you okay for the call to be recorded?","start":71.524994,"end":73.545,"sentiment":"neutral","sentiment_score":0.052461532668934927}],"sentiment":"neutral","sentiment_score":0.13607590982601755,"channel":0,"num_words":21,"start":67.26,"end":73.545},{"sentences":[{"text":"Yep.","start":74.66499,"end":75.16499,"sentiment":"neutral","sentiment_score":0.11820869147777556}],"sentiment":"neutral","sentiment_score":0.11820869147777556,"channel":1,"num_words":1,"start":74.66499,"end":75.16499},{"sentences":[{"text":"Beautiful.","start":75.765,"end":76.16499,"sentiment":"positive","sentiment_score":0.34788087010383606},{"text":"Beautiful.","start":76.16499,"end":76.564995,"sentiment":"positive","sentiment_score":0.35049906373023987},{"text":"So that's popping through to your Hotmail address, and it's just got the usual pack there.","start":76.564995,"end":81.765,"sentiment":"neutral","sentiment_score":0.21716897003352642},{"text":"We've got some updated summaries, some performance, your insurance certificate, some updated service guides with us, and just a couple of forms there that we've got a little bit new for this year.","start":81.765,"end":92.9,"sentiment":"neutral","sentiment_score":0.2381852472370321},{"text":"Is there anything in particular that you're hoping to get out of this year's review?","start":93.92,"end":97.435,"sentiment":"neutral","sentiment_score":0.20920723030964533}],"sentiment":"neutral","sentiment_score":0.22986825860359453,"channel":0,"num_words":66,"start":75.765,"end":97.435},{"sentences":[{"text":"Anything kind of burning questions or things to to consider?","start":97.435,"end":100.415,"sentiment":"neutral","sentiment_score":0.041481013596057895}],"sentiment":"neutral","sentiment_score":0.041481013596057895,"channel":0,"num_words":10,"start":97.435,"end":100.415},{"sentences":[{"text":"Probably not really at this stage, to be honest.","start":102.635,"end":104.815,"sentiment":"neutral","sentiment_score":-0.24643791715304056}],"sentiment":"neutral","sentiment_score":-0.24643791715304056,"channel":1,"num_words":9,"start":102.635,"end":104.815},{"sentences":[{"text":"I did note that you've had the occupation change.","start":107.675,"end":110.975,"sentiment":"neutral","sentiment_score":-0.0072239791560504175},{"text":"We've gone to engineering officer bumped up to 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with","start":659.115,"end":662.235,"sentiment":"neutral","sentiment_score":-0.10102182288061488}],"sentiment":"neutral","sentiment_score":-0.10102182288061488,"channel":0,"num_words":11,"start":659.115,"end":662.235},{"sentences":[{"text":"Yep.","start":662.18,"end":662.535,"sentiment":"neutral","sentiment_score":-0.05862651765346527}],"sentiment":"neutral","sentiment_score":-0.05862651765346527,"channel":1,"num_words":1,"start":662.18,"end":662.535},{"sentences":[{"text":"the budget changes.","start":662.235,"end":664.015,"sentiment":"neutral","sentiment_score":-0.09502994517485301}],"sentiment":"neutral","sentiment_score":-0.09502994517485301,"channel":0,"num_words":3,"start":662.235,"end":664.015},{"sentences":[{"text":"Yep.","start":665.095,"end":665.595,"sentiment":"neutral","sentiment_score":-0.023893624544143677}],"sentiment":"neutral","sentiment_score":-0.023893624544143677,"channel":1,"num_words":1,"start":665.095,"end":665.595},{"sentences":[{"text":"Yep.","start":665.515,"end":665.97,"sentiment":"neutral","sentiment_score":-0.02976512536406517},{"text":"It's just that bed along one there at the top that's had a pretty sharp drop, and","start":666.37,"end":670.62994,"sentiment":"neutral","sentiment_score":-0.1521489037310376}],"sentiment":"neutral","sentiment_score":-0.14534980493287245,"channel":0,"num_words":18,"start":665.515,"end":670.62994},{"sentences":[{"text":"Yeah.","start":670.295,"end":670.795,"sentiment":"neutral","sentiment_score":-0.15504556894302368}],"sentiment":"neutral","sentiment_score":-0.15504556894302368,"channel":1,"num_words":1,"start":670.295,"end":670.795},{"sentences":[{"text":"I'm a bit bit concerned about that kind of underperforming a little bit.","start":670.85,"end":674.47,"sentiment":"negative","sentiment_score":-0.3397337267032036},{"text":"So what I was wanting to do was look at just sort of getting a replacement option for that one and just doing an engine tune up on the portfolio for you.","start":674.93,"end":683.715,"sentiment":"neutral","sentiment_score":-0.025793051812797785},{"text":"So not change your risk level or anything like that.","start":683.715,"end":685.955,"sentiment":"neutral","sentiment_score":-0.11280818209052086},{"text":"Just kind","start":685.955,"end":686.435,"sentiment":"neutral","sentiment_score":0.024731110781431198}],"sentiment":"neutral","sentiment_score":-0.11088659130690391,"channel":0,"num_words":57,"start":670.85,"end":686.435},{"sentences":[{"text":"Yep.","start":686.37006,"end":686.87006,"sentiment":"neutral","sentiment_score":0.07957451790571213}],"sentiment":"neutral","sentiment_score":0.07957451790571213,"channel":1,"num_words":1,"start":686.37006,"end":686.87006},{"sentences":[{"text":"of remove the bad red apple and put in a fresh green apple.","start":686.435,"end":689.335,"sentiment":"neutral","sentiment_score":-0.04052910609887196}],"sentiment":"neutral","sentiment_score":-0.04052910609887196,"channel":0,"num_words":13,"start":686.435,"end":689.335},{"sentences":[{"text":"Yep.","start":689.57,"end":690.07,"sentiment":"neutral","sentiment_score":0.10377995669841766}],"sentiment":"neutral","sentiment_score":0.10377995669841766,"channel":1,"num_words":1,"start":689.57,"end":690.07},{"sentences":[{"text":"K?","start":690.995,"end":691.495,"sentiment":"neutral","sentiment_score":0.08898960053920746},{"text":"One question I do have for it just because Hub's got the most investment in the industry.","start":691.875,"end":695.85,"sentiment":"neutral","sentiment_score":0.16942919790744781},{"text":"There's about 1,300 of them.","start":695.85,"end":698.03,"sentiment":"neutral","sentiment_score":0.16667842864990234},{"text":"Do you have a preference between going low fees or pay higher fees to try and get a higher return?","start":698.57,"end":705.53,"sentiment":"neutral","sentiment_score":0.10398107245564461},{"text":"Like, which way do you lean between the two?","start":705.53,"end":707.145,"sentiment":"neutral","sentiment_score":0.04921089154150751}],"sentiment":"neutral","sentiment_score":0.12163841502311137,"channel":0,"num_words":52,"start":690.995,"end":707.145},{"sentences":[{"text":"Just that that requires an option.","start":709.69,"end":711.47,"sentiment":"neutral","sentiment_score":-0.026690585538744926}],"sentiment":"neutral","sentiment_score":-0.026690585538744926,"channel":1,"num_words":6,"start":709.69,"end":711.47},{"sentences":[{"text":"Yeah.","start":712.185,"end":712.685,"sentiment":"neutral","sentiment_score":0.05641373619437218},{"text":"Just trying to think of, like, do you have a strong lean towards trying to minimize fees or try and get highest returns?","start":712.745,"end":717.78503,"sentiment":"neutral","sentiment_score":0.04713888320585956},{"text":"Like, what's your gut feeling there?","start":717.78503,"end":720.025,"sentiment":"neutral","sentiment_score":-0.01631508705516656},{"text":"No wrong answers.","start":720.025,"end":720.93,"sentiment":"neutral","sentiment_score":-0.019055169075727463}],"sentiment":"neutral","sentiment_score":0.029865212738513947,"channel":0,"num_words":33,"start":712.185,"end":720.93},{"sentences":[{"text":"The initial gut feeling is the higher returns, to be honest.","start":723.525,"end":726.905,"sentiment":"neutral","sentiment_score":0.25840780951760034}],"sentiment":"neutral","sentiment_score":0.25840780951760034,"channel":1,"num_words":11,"start":723.525,"end":726.905},{"sentences":[{"text":"Yep.","start":727.81,"end":728.31,"sentiment":"positive","sentiment_score":0.475169837474823},{"text":"Easy done.","start":728.45,"end":729.35,"sentiment":"positive","sentiment_score":0.5848868191242218}],"sentiment":"positive","sentiment_score":0.5483144919077555,"channel":0,"num_words":3,"start":727.81,"end":729.35},{"sentences":[{"text":"But then yeah.","start":729.06,"end":730.44,"sentiment":"neutral","sentiment_score":0.2705633342266083}],"sentiment":"neutral","sentiment_score":0.2705633342266083,"channel":1,"num_words":3,"start":729.06,"end":730.44},{"sentences":[{"text":"So, basically, my job is we sift through all the options.","start":731.73,"end":735.02997,"sentiment":"neutral","sentiment_score":0.28177089582790027},{"text":"We've got a few that I'm looking at already for you, and I just wanted to kind of choose between the two.","start":735.075,"end":740.835,"sentiment":"positive","sentiment_score":0.3525788201527162},{"text":"I can get you a good one in either style.","start":740.835,"end":742.85504,"sentiment":"positive","sentiment_score":0.46511937975883483},{"text":"There's no wrong style.","start":743.075,"end":744.455,"sentiment":"neutral","sentiment_score":0.26058997586369514}],"sentiment":"positive","sentiment_score":0.3521227148619104,"channel":0,"num_words":47,"start":731.73,"end":744.455},{"sentences":[{"text":"Yep.","start":744.115,"end":744.615,"sentiment":"positive","sentiment_score":0.406864881515503}],"sentiment":"positive","sentiment_score":0.406864881515503,"channel":1,"num_words":1,"start":744.115,"end":744.615},{"sentences":[{"text":"I'm just trying to lean it so you know what your money's in, if that makes sense.","start":744.59503,"end":748.615,"sentiment":"positive","sentiment_score":0.3373740578398985}],"sentiment":"positive","sentiment_score":0.3373740578398985,"channel":0,"num_words":17,"start":744.59503,"end":748.615},{"sentences":[{"text":"Yep.","start":748.83496,"end":749.33496,"sentiment":"neutral","sentiment_score":0.20120029151439667}],"sentiment":"neutral","sentiment_score":0.20120029151439667,"channel":1,"num_words":1,"start":748.83496,"end":749.33496},{"sentences":[{"text":"So what I'll do is I'll leave everything alone in terms of the insurances and everything.","start":749.875,"end":753.65,"sentiment":"neutral","sentiment_score":0.1425788477063179},{"text":"But just for the next couple of weeks, I'm just gonna get a replacement option to top that one up.","start":753.65,"end":757.99,"sentiment":"neutral","sentiment_score":0.12813026681542397},{"text":"The only other consideration is we've partnered with guys called BlackRock.","start":758.21,"end":763.91003,"sentiment":"neutral","sentiment_score":0.1100997044281526},{"text":"They're the biggest fund manager on the planet.","start":764.125,"end":766.04504,"sentiment":"neutral","sentiment_score":0.11621782928705215},{"text":"Have you heard of those guys before?","start":766.04504,"end":767.505,"sentiment":"neutral","sentiment_score":0.03878735963787351}],"sentiment":"neutral","sentiment_score":0.11703577096904477,"channel":0,"num_words":62,"start":749.875,"end":767.505},{"sentences":[{"text":"Yep.","start":767.985,"end":768.485,"sentiment":"neutral","sentiment_score":0.08530660718679428}],"sentiment":"neutral","sentiment_score":0.08530660718679428,"channel":1,"num_words":1,"start":767.985,"end":768.485},{"sentences":[{"text":"Yep.","start":768.92505,"end":769.405,"sentiment":"neutral","sentiment_score":0.11376780271530151},{"text":"So one thing that they've been able to develop for us on Hub twenty four is an SMA bubble, which is essentially a portfolio that we can control actively.","start":769.405,"end":779.66003,"sentiment":"neutral","sentiment_score":0.22735677505361623},{"text":"So rather than me saying, hey, Jake.","start":779.88,"end":781.56,"sentiment":"neutral","sentiment_score":0.09469074755907059},{"text":"This one's not done so well.","start":781.56,"end":782.84,"sentiment":"neutral","sentiment_score":-0.027543605615695316},{"text":"Let me get you a document to sign off on switching it out.","start":782.84,"end":786.3,"sentiment":"neutral","sentiment_score":0.15367383796435136}],"sentiment":"neutral","sentiment_score":0.1643294245004654,"channel":0,"num_words":56,"start":768.92505,"end":786.3},{"sentences":[{"text":"We can actually put a bubble around your investments, move it to a slightly cheaper fee, and we can switch things out throughout the the year.","start":786.44,"end":794.38495,"sentiment":"positive","sentiment_score":0.33575477508398205},{"text":"And then you just get the email saying, hey.","start":794.38495,"end":796.14496,"sentiment":"neutral","sentiment_score":0.18968497713406882},{"text":"We've changed this.","start":796.14496,"end":796.865,"sentiment":"neutral","sentiment_score":0.198088139295578},{"text":"We've changed that.","start":796.865,"end":797.90497,"sentiment":"neutral","sentiment_score":0.1744360327720642},{"text":"Would that be 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I'll basically compare both, give a recommendation, and in that document, team will call you in a couple of weeks just to run through","start":801.345,"end":809.9,"sentiment":"neutral","sentiment_score":0.20871132731437683}],"sentiment":"neutral","sentiment_score":0.20386345455279717,"channel":0,"num_words":26,"start":800.70496,"end":809.9},{"sentences":[{"text":"Yeah.","start":809.825,"end":810.325,"sentiment":"neutral","sentiment_score":0.16237398982048035}],"sentiment":"neutral","sentiment_score":0.16237398982048035,"channel":1,"num_words":1,"start":809.825,"end":810.325},{"sentences":[{"text":"that with me.","start":809.9,"end":810.56,"sentiment":"neutral","sentiment_score":0.1646948903799057},{"text":"Is there any questions on that so far?","start":810.56,"end":812.5,"sentiment":"neutral","sentiment_score":0.07905178098008037},{"text":"Obviously, I'll have all the updated projections in the document, but any ideas 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times?","start":837.84,"end":841.06006,"sentiment":"neutral","sentiment_score":0.13782296215112394},{"text":"You'll see Vanguard index chart, big red one.","start":841.28,"end":844.82,"sentiment":"neutral","sentiment_score":0.12511285953223705},{"text":"Cool.","start":845.44,"end":845.895,"sentiment":"positive","sentiment_score":0.4078038930892944}],"sentiment":"neutral","sentiment_score":0.22915714270457987,"channel":0,"num_words":41,"start":832.92505,"end":845.895},{"sentences":[{"text":"One after that is a services guide.","start":846.215,"end":848.29504,"sentiment":"neutral","sentiment_score":0.18041507048266275},{"text":"You'll see a big city picture, blue","start":848.29504,"end":850.135,"sentiment":"neutral","sentiment_score":0.20428018697670527}],"sentiment":"neutral","sentiment_score":0.192347628729684,"channel":0,"num_words":14,"start":846.215,"end":850.135},{"sentences":[{"text":"Yep.","start":849.89996,"end":850.22,"sentiment":"neutral","sentiment_score":0.16454696655273438}],"sentiment":"neutral","sentiment_score":0.16454696655273438,"channel":1,"num_words":1,"start":849.89996,"end":850.22},{"sentences":[{"text":"document.","start":850.135,"end":850.635,"sentiment":"neutral","sentiment_score":0.1549462378025055}],"sentiment":"neutral","sentiment_score":0.1549462378025055,"channel":0,"num_words":1,"start":850.135,"end":850.635},{"sentences":[{"text":"Yep.","start":850.22,"end":850.72,"sentiment":"neutral","sentiment_score":0.15609490871429443}],"sentiment":"neutral","sentiment_score":0.15609490871429443,"channel":1,"num_words":1,"start":850.22,"end":850.72},{"sentences":[{"text":"So that's our updated services guide.","start":851.495,"end":853.515,"sentiment":"neutral","sentiment_score":0.19426423559586206},{"text":"We have changed our fee structure at the moment.","start":853.655,"end":857.335,"sentiment":"neutral","sentiment_score":0.17037082877424028},{"text":"So everybody above $200,000, we can apply tiered fee discounts for you guys.","start":857.335,"end":864.42004,"sentiment":"neutral","sentiment_score":0.25677369649593645},{"text":"So between 200,000, 500,000, instead of paying 1.65%, it drops down to about 1.3.","start":864.56,"end":871.62,"sentiment":"neutral","sentiment_score":0.16930734419396945},{"text":"And then everything after 0.5 a mil, we're dropping it down to 1.1 after 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four?","start":913.79004,"end":918.21,"sentiment":"neutral","sentiment_score":0.14248195091883342}],"sentiment":"neutral","sentiment_score":0.14248195091883342,"channel":0,"num_words":15,"start":913.79004,"end":918.21},{"sentences":[{"text":"Yep.","start":918.685,"end":919.185,"sentiment":"neutral","sentiment_score":-0.01102820597589016}],"sentiment":"neutral","sentiment_score":-0.01102820597589016,"channel":1,"num_words":1,"start":918.685,"end":919.185},{"sentences":[{"text":"So what I'm gonna do is straight after this call, I'm gonna send you a text message, and I'm gonna update this document for that tiered fee structure to apply for the discount.","start":919.55005,"end":927.17004,"sentiment":"neutral","sentiment_score":0.09759998468287064},{"text":"And then if you click next document one more time for me if it lets you, there'll be a option to provide tax file number document.","start":927.52496,"end":935.44495,"sentiment":"neutral","sentiment_score":0.06080480493032015},{"text":"Last one.","start":935.44495,"end":935.925,"sentiment":"neutral","sentiment_score":0.03385889530181885},{"text":"Can you see that there, Jay?","start":935.925,"end":937.38495,"sentiment":"neutral","sentiment_score":0.03670884824047486}],"sentiment":"neutral","sentiment_score":0.07596560153387376,"channel":0,"num_words":67,"start":919.55005,"end":937.38495},{"sentences":[{"text":"Click sorry.","start":938.235,"end":939.115,"sentiment":"neutral","sentiment_score":-0.007132089696824551},{"text":"I didn't click to start the button now.","start":939.115,"end":941.455,"sentiment":"neutral","sentiment_score":-0.011190252844244242}],"sentiment":"neutral","sentiment_score":-0.010378620214760303,"channel":1,"num_words":10,"start":938.235,"end":941.455},{"sentences":[{"text":"Yes.","start":942.02997,"end":942.26996,"sentiment":"neutral","sentiment_score":0.10663743317127228},{"text":"So don't worry about that one.","start":942.26996,"end":943.38995,"sentiment":"neutral","sentiment_score":0.22745355715354285},{"text":"I just wanna let you know that when I resend this through with the discount applied, you'll basically get to this point.","start":943.38995,"end":948.67,"sentiment":"neutral","sentiment_score":0.25257143445990304},{"text":"The option to start will put the signatures on, so don't","start":948.67,"end":951.94995,"sentiment":"neutral","sentiment_score":0.11617296527732503}],"sentiment":"neutral","sentiment_score":0.20764582380652427,"channel":0,"num_words":40,"start":942.02997,"end":951.94995},{"sentences":[{"text":"Yep.","start":951.93,"end":952.43,"sentiment":"neutral","sentiment_score":0.08636649698019028}],"sentiment":"neutral","sentiment_score":0.08636649698019028,"channel":1,"num_words":1,"start":951.93,"end":952.43},{"sentences":[{"text":"click that now.","start":951.94995,"end":952.85,"sentiment":"neutral","sentiment_score":0.12707275648911795},{"text":"And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number.","start":952.91,"end":961.805,"sentiment":"neutral","sentiment_score":0.13693498525964587}],"sentiment":"neutral","sentiment_score":0.13621335876424137,"channel":0,"num_words":41,"start":951.94995,"end":961.805},{"sentences":[{"text":"Yeah.","start":962.22504,"end":962.625,"sentiment":"neutral","sentiment_score":0.057537563145160675},{"text":"No.","start":962.625,"end":963.125,"sentiment":"neutral","sentiment_score":0.06520703434944153}],"sentiment":"neutral","sentiment_score":0.0613722987473011,"channel":1,"num_words":2,"start":962.22504,"end":963.125},{"sentences":[{"text":"Cool.","start":963.705,"end":964.025,"sentiment":"neutral","sentiment_score":0.1278531700372696},{"text":"Any questions for me before I let you go?","start":964.025,"end":965.965,"sentiment":"neutral","sentiment_score":0.057871141367488436}],"sentiment":"neutral","sentiment_score":0.06486934423446655,"channel":0,"num_words":10,"start":963.705,"end":965.965},{"sentences":[{"text":"No.","start":967.34503,"end":967.425,"sentiment":"neutral","sentiment_score":0.07267045229673386},{"text":"That's all good, man.","start":967.425,"end":968.565,"sentiment":"positive","sentiment_score":0.4033435806632042}],"sentiment":"positive","sentiment_score":0.3372089549899101,"channel":1,"num_words":5,"start":967.34503,"end":968.565},{"sentences":[{"text":"Easy done.","start":969.27,"end":969.99005,"sentiment":"positive","sentiment_score":0.5513239949941635},{"text":"So, basically, I'll go away and do the research, tune up the portfolio.","start":969.99005,"end":973.45,"sentiment":"neutral","sentiment_score":0.2887394428253174},{"text":"I'll run you through that document.","start":973.67004,"end":975.03,"sentiment":"neutral","sentiment_score":0.24412709971268973},{"text":"It usually takes about fifteen minutes, but we'll get you booked in in a couple of weeks' time just to make sure you're happy with what we're changing.","start":975.03,"end":981.77,"sentiment":"neutral","sentiment_score":0.240775039685624},{"text":"And I'll send you a text as soon as I resend this email through.","start":982.265,"end":986.105,"sentiment":"neutral","sentiment_score":0.27390813401767183}],"sentiment":"neutral","sentiment_score":0.26821330686410266,"channel":0,"num_words":63,"start":969.27,"end":986.105},{"sentences":[{"text":"If you can just pop through and sign the discounted fee arrangement and the tax file doc, we can get everything sorted, and I'd appreciate that.","start":986.105,"end":994.365,"sentiment":"positive","sentiment_score":0.38527246851187485}],"sentiment":"positive","sentiment_score":0.38527246851187485,"channel":0,"num_words":26,"start":986.105,"end":994.365},{"sentences":[{"text":"Yep.","start":995.465,"end":995.785,"sentiment":"neutral","sentiment_score":0.19970837235450745},{"text":"No worries.","start":995.785,"end":996.525,"sentiment":"neutral","sentiment_score":0.32033132016658783}],"sentiment":"neutral","sentiment_score":0.28012367089589435,"channel":1,"num_words":3,"start":995.465,"end":996.525},{"sentences":[{"text":"Awesome, mate.","start":997.145,"end":997.78503,"sentiment":"positive","sentiment_score":0.6240389943122864},{"text":"Any other things I can help you with between now and our next catch up?","start":997.78503,"end":1001.38,"sentiment":"neutral","sentiment_score":0.2967899918556213}],"sentiment":"positive","sentiment_score":0.3352898744975819,"channel":0,"num_words":17,"start":997.145,"end":1001.38},{"sentences":[{"text":"No.","start":1002.9,"end":1003.14,"sentiment":"neutral","sentiment_score":0.1002688854932785},{"text":"That's a good thing tonight.","start":1003.14,"end":1004.28,"sentiment":"positive","sentiment_score":0.38511339426040647}],"sentiment":"positive","sentiment_score":0.33763930946588516,"channel":1,"num_words":6,"start":1002.9,"end":1004.28},{"sentences":[{"text":"Cool.","start":1004.48,"end":1004.88,"sentiment":"positive","sentiment_score":0.41621339321136475},{"text":"Look.","start":1004.88,"end":1005.12,"sentiment":"positive","sentiment_score":0.3583781123161316},{"text":"I","start":1005.12,"end":1005.27997,"sentiment":"positive","sentiment_score":0.34244659543037415}],"sentiment":"positive","sentiment_score":0.3723460336526235,"channel":0,"num_words":3,"start":1004.48,"end":1005.27997},{"sentences":[{"text":"Yeah.","start":1005.22003,"end":1005.72003,"sentiment":"positive","sentiment_score":0.41370901465415955}],"sentiment":"positive","sentiment_score":0.41370901465415955,"channel":1,"num_words":1,"start":1005.22003,"end":1005.72003},{"sentences":[{"text":"do appreciate you taking the the call.","start":1005.27997,"end":1006.95996,"sentiment":"positive","sentiment_score":0.5714229217597416},{"text":"I know you weren't expecting it today, but I I really just wanted to kind of jump on and fix up the portfolio a little bit before it went too long.","start":1006.95996,"end":1014.735,"sentiment":"neutral","sentiment_score":0.3236566169127341},{"text":"And then I didn't wanna talk to you Christmas time saying, oh, it just kept crashing all year, Jake, but I couldn't talk to you.","start":1014.735,"end":1019.715,"sentiment":"neutral","sentiment_score":-0.30122744500637055}],"sentiment":"neutral","sentiment_score":0.10321634049926486,"channel":0,"num_words":63,"start":1005.27997,"end":1019.715},{"sentences":[{"text":"Not over then.","start":1020.715,"end":1021.775,"sentiment":"neutral","sentiment_score":-0.16971374054749808}],"sentiment":"neutral","sentiment_score":-0.16971374054749808,"channel":1,"num_words":3,"start":1020.715,"end":1021.775},{"sentences":[{"text":"Awesome.","start":1022.095,"end":1022.495,"sentiment":"positive","sentiment_score":0.6990236639976501},{"text":"Thank you so much for your time, mate, and I'll talk to you in a couple of weeks.","start":1022.495,"end":1025.1029,"sentiment":"positive","sentiment_score":0.648634660575125}],"sentiment":"positive","sentiment_score":0.6512867133868369,"channel":0,"num_words":19,"start":1022.095,"end":1025.1029},{"sentences":[{"text":"Right.","start":1025.275,"end":1025.355,"sentiment":"neutral","sentiment_score":0.30748653411865234},{"text":"Two 80.","start":1025.355,"end":1026.0751,"sentiment":"neutral","sentiment_score":0.14021990820765495},{"text":"I'm fine.","start":1026.0751,"end":1026.735,"sentiment":"neutral","sentiment_score":0.28701741993427277}],"sentiment":"neutral","sentiment_score":0.23239223808050155,"channel":1,"num_words":5,"start":1025.275,"end":1026.735},{"sentences":[{"text":"Weeks.","start":1027.023,"end":1027.1029,"sentiment":"neutral","sentiment_score":0.2816438376903534},{"text":"Cheers.","start":1027.1029,"end":1027.5829,"sentiment":"positive","sentiment_score":0.5482982397079468},{"text":"Bye.","start":1027.5829,"end":1028.0829,"sentiment":"neutral","sentiment_score":0.3282983899116516}],"sentiment":"positive","sentiment_score":0.38608015576998395,"channel":0,"num_words":3,"start":1027.023,"end":1028.0829},{"sentences":[{"text":"Yeah.","start":1028.3151,"end":1028.8151,"sentiment":"neutral","sentiment_score":-0.1302400827407837}],"sentiment":"neutral","sentiment_score":-0.1302400827407837,"channel":1,"num_words":1,"start":1028.3151,"end":1028.8151}]},"summary":{"result":"success","short":"During a call with Jake, a senior adviser from the financial company discussed Jake's annual review and retirement plans, including his retirement from his old home and desire to retire from his current home. They also discussed his portfolio and retirement plans, including his retirement from his old home and his desire to retire from his current home. The speaker also addressed the volatility of gold markets and discussed his investment options in Hub twenty four, including unlimited sick leave and a mortgage option for heart attacks. They emphasized the importance of a replacement option for a former investment and offered to help with anything else. They also mentioned a partnership with a fund manager and a new fee structure. The speaker guided the customer through a new document and sent a text message to update it. They offered to help with anything else and scheduled a follow-up call for a few weeks later."},"intents":{"segments":[{"text":"We've got some updated summaries, some performance, your insurance certificate, some updated service guides with us, and just a couple of forms there that we've got a little bit new for this year.","start_word":262,"end_word":294,"intents":[{"intent":"Provide update","confidence_score":0.005846096}]},{"text":"But just on the mortgage, we had you owing $3.50. Does that change significantly? Yeah.","start_word":637,"end_word":651,"intents":[{"intent":"Reassure about mortgage payments","confidence_score":0.00002326681}]},{"text":"But your portfolio is done pretty good. So it went from $2.30 down to $2.14.","start_word":963,"end_word":977,"intents":[{"intent":"Highlight portfolio progress","confidence_score":0.007365514}]},{"text":"This is the last thing I wanted to show you is just the investment inside the super because, again, we're not changing from high growth at this point, but there's a couple of flags here.","start_word":1609,"end_word":1643,"intents":[{"intent":"Show investment","confidence_score":0.40778038}]},{"text":"This is the last thing I wanted to show you is just the investment inside the super because, again, we're not changing from high growth at this point, but there's a couple of flags here. Can you see all those ones on the left hand side of the table? It's got the names of all the investments, Benelong, beta, beta, global.","start_word":1609,"end_word":1669,"intents":[{"intent":"Show values","confidence_score":0.00006705842}]},{"text":"So what I was wanting to do was look at just sort of getting a replacement option for that one and just doing an engine tune up on the portfolio for you.","start_word":1834,"end_word":1865,"intents":[{"intent":"Show portfolio tune-up","confidence_score":0.0037608906}]},{"text":"So not change your risk level or anything like that. Just kind Yep. of remove the bad red apple and put in a fresh green apple. Yep. K?","start_word":1866,"end_word":1893,"intents":[{"intent":"Remove risk level","confidence_score":0.0010163662}]},{"text":"Do you have a preference between going low fees or pay higher fees to try and get a higher return? Like, which way do you lean between the two?","start_word":1916,"end_word":1944,"intents":[{"intent":"Display preference","confidence_score":0.0000966805}]},{"text":"Just that that requires an option. Yeah.","start_word":1946,"end_word":1952,"intents":[{"intent":"Suggest options","confidence_score":0.031824514}]},{"text":"Just trying to think of, like, do you have a strong lean towards trying to minimize fees or try and get highest returns? Like, what's your gut feeling there? No wrong answers.","start_word":1952,"end_word":1983,"intents":[{"intent":"Clarify options","confidence_score":0.0015507102}]},{"text":"So, basically, my job is we sift through all the options. We've got a few that I'm looking at already for you, and I just wanted to kind of choose between the two. I can get you a good one in either style. There's no wrong style.","start_word":2001,"end_word":2047,"intents":[{"intent":"Compare options","confidence_score":0.18828966}]},{"text":"Would that be of Yeah. interest? Yeah. K?","start_word":2227,"end_word":2234,"intents":[{"intent":"Determine interest","confidence_score":0.002508615}]},{"text":"Is there any questions on that so far?","start_word":2264,"end_word":2271,"intents":[{"intent":"Ask questions","confidence_score":0.022517307}]},{"text":"So what I'm gonna do is straight after this call, I'm gonna send you a text message, and I'm gonna update this document for that tiered fee structure to apply for the discount. And then if you click next document one more time for me if it lets you, there'll be a option to provide tax file number document. Last one.","start_word":2582,"end_word":2642,"intents":[{"intent":"Update document","confidence_score":0.849777}]},{"text":"I just wanna let you know that when I resend this through with the discount applied, you'll basically get to this point. The option to start will put the signatures on, so don't Yep. click that now. And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number. Yeah.","start_word":2665,"end_word":2740,"intents":[{"intent":"Resend discount","confidence_score":0.5812457}]},{"text":"And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number. Yeah. No. Cool.","start_word":2702,"end_word":2742,"intents":[{"intent":"Hold tax phone number","confidence_score":0.29180816}]},{"text":"So, basically, I'll go away and do the research, tune up the portfolio. I'll run you through that document. It usually takes about fifteen minutes, but we'll get you booked in in a couple of weeks' time just to make sure you're happy with what we're changing.","start_word":2759,"end_word":2805,"intents":[{"intent":"Tune up portfolio","confidence_score":0.43576777}]}]},"sentiments":{"segments":[{"text":"Hello. This is Jake.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.05419042706489563},{"text":"Good afternoon, Jake.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.3352765738964081},{"text":"It's Tommy here, mate, senior adviser of your financial. How are you doing?","start_word":7,"end_word":19,"sentiment":"neutral","sentiment_score":0.21722479164600372},{"text":"Good. Thanks, mate. How are you? Living the dream. Living the dream.","start_word":20,"end_word":31,"sentiment":"positive","sentiment_score":0.5379993319511414},{"text":"Just giving you a call to go through a bit of an annual review. Have you still got some time for Yeah. For a little bit of time, mate. me? Cool. I forgot I'll keep all it. about it, but yeah. That's alright. I'll keep it short and sweet. Couple of things I really wanted to touch base with you on today just because, you know, well, it's going a bit crazy at the moment, and and then I can leave you on your merry way.","start_word":32,"end_word":117,"sentiment":"neutral","sentiment_score":0.19643272459506989},{"text":"Cool.","start_word":118,"end_word":118,"sentiment":"positive","sentiment_score":0.4194781184196472},{"text":"So I've got a bit of an annual review pack that I will send out to you. Yep. Yep. Just while I'm popping that out there, will you have access to your emails, or should I just kind of walk you through what's Yeah. coming No. I should yep. through? Cool. So I'll pop that through now. Just while that's coming through, if I can just confirm security with you, and I have seen a couple of changes here. Can I just get your date of birth and address for security, mate? 06/27/0997, and my address is 3 Tiremaic Crescent, Gobi Gobi Island.","start_word":119,"end_word":221,"sentiment":"neutral","sentiment_score":0.09437817335128784},{"text":"Thank you very much.","start_word":222,"end_word":225,"sentiment":"positive","sentiment_score":0.39814120531082153},{"text":"And I'm registered with Asic as adviser 1273105. Are you okay for the call to be recorded? Yep.","start_word":226,"end_word":243,"sentiment":"neutral","sentiment_score":0.07987432926893234},{"text":"Beautiful. Beautiful.","start_word":244,"end_word":245,"sentiment":"positive","sentiment_score":0.34918996691703796},{"text":"So that's popping through to your Hotmail address, and it's just got the usual pack there. We've got some updated summaries, some performance, your insurance certificate, some updated service guides with us, and just a couple of forms there that we've got a little bit new for this year. Is there anything in particular that you're hoping to get out of this year's review? Anything kind of burning questions or things to to consider? Probably not really at this stage, to be honest. I did note that you've had the occupation change. We've gone to engineering officer bumped up to 125,000.","start_word":246,"end_word":346,"sentiment":"neutral","sentiment_score":0.1312095725005216},{"text":"Fantastic.","start_word":347,"end_word":347,"sentiment":"positive","sentiment_score":0.5700216889381409},{"text":"Yep. Yep. We've got essential energy still for that one. Yep. That's right.","start_word":348,"end_word":360,"sentiment":"neutral","sentiment_score":0.2271224856376648},{"text":"Beautiful.","start_word":361,"end_word":361,"sentiment":"positive","sentiment_score":0.46982210874557495},{"text":"So no rule changes there with the employer. Engineering officer, just super quick, your duty change, have you gone, like, fully managerial with it? Like, your officer with the team under you, or you're still on the tools, or what's the what's the go? No. It's office based role, but I'm not a not a managerial role at all. Yeah. Beautiful. Gotcha. Gotcha. Gotcha. Alrighty. Got that there. Quick little recap of a few things. So you're married with Sarah, three children. Yep.","start_word":362,"end_word":444,"sentiment":"neutral","sentiment_score":0.01885324902832508},{"text":"Beautiful.","start_word":445,"end_word":445,"sentiment":"positive","sentiment_score":0.4206880033016205},{"text":"And we've got your Sarah's associate beneficiary for the super. Receive a 100% of that. I'm assuming you're still comfortable for her to be listed for the super and the life insurance. Yep. Yep.","start_word":446,"end_word":479,"sentiment":"neutral","sentiment_score":0.17477728426456451},{"text":"Beautiful.","start_word":480,"end_word":480,"sentiment":"positive","sentiment_score":0.3443162143230438},{"text":"I don't think there's, like, a will in place. So, again, yearly reminder about wills and powers of attorney and things like that, but the beneficiaries look pretty good. Yeah. Cool. No changes to address or anything like that. And with the 125,000. Last two things to update on my end, mate, is just assets and liabilities and just in terms of your goals and everything. So I had you there trying to retire as early as possible towards age 60. I know that's a while away, but not wanting to work through until your 70. Does that sound about right? Yeah. Beautiful. And is the main focus for you guys just kind of does it mention they have the great nomad lifestyle to kind of just look like pay off the house, caravan around down the line? Yeah. Probably. Yeah. Yep. We had your house. I'll I'll do a quick updated online valuation myself. But just on the mortgage, we had you owing $3.50. Does that change significantly? Yeah. I think it's about $3.40. Yep.","start_word":481,"end_word":656,"sentiment":"neutral","sentiment_score":0.05564306237449108},{"text":"Nice.","start_word":657,"end_word":657,"sentiment":"positive","sentiment_score":0.5385040640830994},{"text":"Any other priorities for you guys for the next twelve months? No. No. We're going going to Europe October next year, so probably just trying get some money together for that.","start_word":658,"end_word":688,"sentiment":"neutral","sentiment_score":0.03267143294215202},{"text":"Beautiful.","start_word":689,"end_word":689,"sentiment":"positive","sentiment_score":0.6396676301956177},{"text":"So I probably won't ask you to do some salary sacrifice into your super because you're saving for a holiday and paying off a mortgage. Would that be right for your cash flow priority, should I say? Yeah. Yeah. And I mean, we're at up to 8% contribution at the moment. Yeah.","start_word":690,"end_word":741,"sentiment":"neutral","sentiment_score":0.10130071640014648},{"text":"It's pretty pretty solid amount coming through in there as well, so I think it's kind of it's doing enough on its own.","start_word":742,"end_word":764,"sentiment":"positive","sentiment_score":0.4152431786060333},{"text":"There's no need Yeah. to kind of bump it up. And you're already in, like, the high growth portfolio. You're trying to get those high long term returns.","start_word":765,"end_word":792,"sentiment":"neutral","sentiment_score":0.19288979470729828},{"text":"So you've got a pretty healthy balance for your age.","start_word":793,"end_word":802,"sentiment":"positive","sentiment_score":0.3836139440536499},{"text":"I'm looking at the contributions coming through.","start_word":803,"end_word":809,"sentiment":"neutral","sentiment_score":0.2886621952056885},{"text":"It looks sweet.","start_word":810,"end_word":812,"sentiment":"positive","sentiment_score":0.4955178499221802},{"text":"Twelve months ago, you were sitting at 217,000. You're up to $2.44. And just a a quick little FYI for you on the super, all the returns, like, percentage based. So because you're in a high growth and you're trying to aim for that ten, twenty, 30%, now that you've built this huge base up, you're gonna be having these swings of about 25 to $50,000 a year up and down like a bit of a roller coaster as the Yep. markets grow because you don't have that old, you know, $30 account where you're growing $2,000, and the Yep. bulk of it is what you're putting in from work. Does that make sense? Yep.","start_word":813,"end_word":927,"sentiment":"neutral","sentiment_score":0.07653947919607162},{"text":"Beautiful.","start_word":928,"end_word":928,"sentiment":"positive","sentiment_score":0.34359675645828247},{"text":"Now we've had a little bit of a a dip in the year. I don't know if you saw, but the old conflicts kicked off the stock market in March, caused everything to drop.","start_word":929,"end_word":962,"sentiment":"neutral","sentiment_score":-0.20505854575073015},{"text":"But your portfolio is done pretty good.","start_word":963,"end_word":969,"sentiment":"positive","sentiment_score":0.503760814666748},{"text":"So it went from $2.30 down to $2.14. That's just an idea for you in in the volatility when the market goes down. So it Yeah. went down about $20, and then it bumped up to $2.44 a month or two later. So it's 30 Yeah. grand up kind of thing. So are you still comfortable with that idea of just kind of going for gold until you're a bit older, and then Yeah. we can connect it once you got your million dollars. Yeah. I reckon. Yep. Couple of things I just want to quickly flag with you is just in terms of the portfolio. Have you got that email that I sent through to you? Yeah. I think it's mine. And when you grab that, it should say Oakview signature request for annual review. And when you click on the old purple button, it'll bring up the documents for us to to look at together. And I just wanted to kind of cap off a couple of things there. Yep. Sorry. Disparting, man. No. There You're we right.","start_word":970,"end_word":1149,"sentiment":"neutral","sentiment_score":0.1210259571671486},{"text":"My my computer's been slow all day.","start_word":1150,"end_word":1156,"sentiment":"negative","sentiment_score":-0.3598819673061371},{"text":"go. And what I wanna kinda look at when you grab it is the first one's just a summary. It's just got your like, for your letterhead, hub 24 super, and your Compass insurance policy on there. And I just Yep. wanna quickly touch on that one. Can you see the life and TPD cover on that document? Hold on a second. Right. So it's just loaded. Definitely Are you attached. right? The blue button there that says find document. Yeah. So hit that one to bring up the documents. You don't have to sign anything there. It just lets Yes. you scroll through it and click around. One sec. That's And the first just one's loading. just a one pager. It's loading me on, mate. My wife says I just wanna join. Do you get the old NBN sorted out out there or maybe a bit of Starlink or something? Oh, yeah. So it says some of your summary of insurance. Yep. Just quickly on the Encompass policy below, can you see that life and TBD, 840000? Yep. 10KDot99. Yep. So just quickly with the life and TPD. So if you pass away, it can never work again. 840,000 plus the super comes out, which puts you at around a mil. Yep. That'll pay off the mortgage, give you about 700,000 for, you know, the kids, the missus, look after Sarah, that kind of thing. You don't have any income protection, but you've changed your occupation. I just wanted to touch base. It's still under a thousand bucks once you get the rebate, so premiums are pretty cheap at the moment. Are you wanting me to look at any kind of increase or decrease there for this year? No. Not too worried about income protection. We've got, like, unlimited securities. And, I mean yeah. Now that I'm sitting in an office too and I can work from home, so there's not, yeah, not much A need little bit there, less really. risk there. Beauty. So unlimited sick leave. Don't need to worry about the income protection. As far as trauma cover for heart attack, stroke, and cancer, you've got the public system Yeah. there as well. And like Yeah. you said, your cash flow is kind of being eaten up by holidays and mortgage at the moment. So with the life and TPD, are you okay with that that situation of mortgages off 700,000 left over for the family? Yeah. I think so. At this stage. Yeah.","start_word":1157,"end_word":1574,"sentiment":"neutral","sentiment_score":0.03804236567138057},{"text":"Beautiful.","start_word":1575,"end_word":1575,"sentiment":"positive","sentiment_score":0.4934956431388855},{"text":"One thing too. If you can do you see a button there that says next document? If you just click that one big blue table for your hub 24. Yep. Yep. K. This is the last thing I wanted to show you is just the investment inside the super because, again, we're not changing from high growth at this point, but there's a couple of flags here. Can you see all those ones on the left hand side of the table? It's got the names of all the investments, Benelong, beta, beta, global. Yep. And right hand side has the very right hand column has percentages. Yep. So see that one on the very top that's in brackets, 21%? Yep. That's a negative that that option's gone down 21%. All the ones below it, you can see they're up four, twenty, thirteen, thirty eight, twenty, ten. Those are Yes. all your main options that have carried the super this year. Mainly your international shares, battery tech and lithium, that's like your electric vehicles. That's shot through the roof. So is gold, so is your international shares. The only ones that have had a bit of a dip is China and property at the bottom, which not too concerned about those. Obviously, you've seen probably what's happened in the property space with Yep. the budget changes. Yep. Yep. It's just that bed along one there at the top that's had a pretty sharp drop, and Yeah.","start_word":1576,"end_word":1820,"sentiment":"neutral","sentiment_score":0.0018370262024049856},{"text":"I'm a bit bit concerned about that kind of underperforming a little bit.","start_word":1821,"end_word":1833,"sentiment":"negative","sentiment_score":-0.34377995133399963},{"text":"So what I was wanting to do was look at just sort of getting a replacement option for that one and just doing an engine tune up on the portfolio for you. So not change your risk level or anything like that. Just kind Yep. of remove the bad red apple and put in a fresh green apple. Yep. K? One question I do have for it just because Hub's got the most investment in the industry. There's about 1,300 of them. Do you have a preference between going low fees or pay higher fees to try and get a higher return? Like, which way do you lean between the two? Just that that requires an option. Yeah. Just trying to think of, like, do you have a strong lean towards trying to minimize fees or try and get highest returns? Like, what's your gut feeling there? No wrong answers. The initial gut feeling is the higher returns, to be honest.","start_word":1834,"end_word":1994,"sentiment":"neutral","sentiment_score":0.05544214091778542},{"text":"Yep. Easy done.","start_word":1995,"end_word":1997,"sentiment":"positive","sentiment_score":0.5219936370849609},{"text":"But then yeah. So, basically, my job is we sift through all the options.","start_word":1998,"end_word":2011,"sentiment":"neutral","sentiment_score":0.2797242999076843},{"text":"We've got a few that I'm looking at already for you, and I just wanted to kind of choose between the two. I can get you a good one in either style.","start_word":2012,"end_word":2043,"sentiment":"positive","sentiment_score":0.3792482614517212},{"text":"There's no wrong style.","start_word":2044,"end_word":2047,"sentiment":"neutral","sentiment_score":0.2887851297855377},{"text":"Yep.","start_word":2048,"end_word":2048,"sentiment":"positive","sentiment_score":0.406864881515503},{"text":"I'm just trying to lean it so you know what your money's in, if that makes sense. Yep. So what I'll do is I'll leave everything alone in terms of the insurances and everything. But just for the next couple of weeks, I'm just gonna get a replacement option to top that one up. The only other consideration is we've partnered with guys called BlackRock. They're the biggest fund manager on the planet. Have you heard of those guys before? Yep. Yep. So one thing that they've been able to develop for us on Hub twenty four is an SMA bubble, which is essentially a portfolio that we can control actively. So rather than me saying, hey, Jake. This one's not done so well. Let me get you a document to sign off on switching it out. We can actually put a bubble around your investments, move it to a slightly cheaper fee, and we can switch things out throughout the the year. And then you just get the email saying, hey. We've changed this. We've changed that. Would that be of Yeah. interest? Yeah. K? So I'll basically compare both, give a recommendation, and in that document, team will call you in a couple of weeks just to run through Yeah. that with me. Is there any questions on that so far? Obviously, I'll have all the updated projections in the document, but any ideas there? Yeah. No. That's what we Cool. Now last thing I wanted to do, if you could just skip through on the next document button for me, Yep. you will see your encompass certificate of currency. It's a bit of a teal green blue type color. Yep. Yep. That's just your policy certificate if you need a claim on it.","start_word":2049,"end_word":2344,"sentiment":"neutral","sentiment_score":0.1753398474507235},{"text":"We help with claims packs as well.","start_word":2345,"end_word":2351,"sentiment":"positive","sentiment_score":0.36512115597724915},{"text":"Can you just go next document again for me a couple more times? You'll see Vanguard index chart, big red one.","start_word":2352,"end_word":2372,"sentiment":"neutral","sentiment_score":0.12892305850982666},{"text":"Cool.","start_word":2373,"end_word":2373,"sentiment":"positive","sentiment_score":0.4078038930892944},{"text":"One after that is a services guide. You'll see a big city picture, blue Yep. document. Yep. So that's our updated services guide. We have changed our fee structure at the moment. So everybody above $200,000, we can apply tiered fee discounts for you guys. So between 200,000, 500,000, instead of paying 1.65%, it drops down to about 1.3. And then everything after 0.5 a mil, we're dropping it down to 1.1 after that. The Yep. only difference with it before I can actually apply it to your account is it's a it's a flat fee. So rather than the percentage going up and down with your balance is we basically just supply a discount and then just lock it in for twelve months. That way, you've got some certainty for what's coming out and, you know, exactly the amount that you're gonna pay.","start_word":2374,"end_word":2517,"sentiment":"neutral","sentiment_score":0.20399048924446103},{"text":"So I just wanted to run that new structure by you, whether you're interested in the discounts or if you have any worries about that that flat structure.","start_word":2518,"end_word":2545,"sentiment":"positive","sentiment_score":0.3993031084537506},{"text":"Yeah.","start_word":2546,"end_word":2546,"sentiment":"neutral","sentiment_score":0.31989729404449463},{"text":"Yeah. Cool.","start_word":2547,"end_word":2548,"sentiment":"positive","sentiment_score":0.4403809905052185},{"text":"So what I'll do, if you can just click through the next document after that. Yep. Can you see it says consent to renew ongoing fee arrangement with hub twenty four? Yep. So what I'm gonna do is straight after this call, I'm gonna send you a text message, and I'm gonna update this document for that tiered fee structure to apply for the discount. And then if you click next document one more time for me if it lets you, there'll be a option to provide tax file number document. Last one. Can you see that there, Jay? Click sorry. I didn't click to start the button now. Yes. So don't worry about that one. I just wanna let you know that when I resend this through with the discount applied, you'll basically get to this point. The option to start will put the signatures on, so don't Yep. click that now. And then as soon as you've got this one, the last document after it is just a tax file number opt in form just to say that you're okay for us to still hold your tax phone number. Yeah. No. Cool. Any questions for me before I let you go? No.","start_word":2549,"end_word":2752,"sentiment":"neutral","sentiment_score":0.1243258917740747},{"text":"That's all good, man. Easy done.","start_word":2753,"end_word":2758,"sentiment":"positive","sentiment_score":0.430334746837616},{"text":"So, basically, I'll go away and do the research, tune up the portfolio. I'll run you through that document. It usually takes about fifteen minutes, but we'll get you booked in in a couple of weeks' time just to make sure you're happy with what we're changing. And I'll send you a text as soon as I resend this email through.","start_word":2759,"end_word":2819,"sentiment":"neutral","sentiment_score":0.2601875364780426},{"text":"If you can just pop through and sign the discounted fee arrangement and the tax file doc, we can get everything sorted, and I'd appreciate that.","start_word":2820,"end_word":2845,"sentiment":"positive","sentiment_score":0.3947806656360626},{"text":"Yep. No worries.","start_word":2846,"end_word":2848,"sentiment":"neutral","sentiment_score":0.26520782709121704},{"text":"Awesome, mate.","start_word":2849,"end_word":2850,"sentiment":"positive","sentiment_score":0.6210414171218872},{"text":"Any other things I can help you with between now and our next catch up? No.","start_word":2851,"end_word":2866,"sentiment":"neutral","sentiment_score":0.2703225314617157},{"text":"That's a good thing tonight. Cool. Look. I Yeah. do appreciate you taking the the call.","start_word":2867,"end_word":2882,"sentiment":"positive","sentiment_score":0.438701868057251},{"text":"I know you weren't expecting it today, but I I really just wanted to kind of jump on and fix up the portfolio a little bit before it went too long. And then I didn't wanna talk to you Christmas time saying, oh, it just kept crashing all year, Jake, but I couldn't talk to you. Not over then.","start_word":2883,"end_word":2941,"sentiment":"neutral","sentiment_score":0.03609534997051045},{"text":"Awesome. Thank you so much for your time, mate, and I'll talk to you in a couple of weeks.","start_word":2942,"end_word":2960,"sentiment":"positive","sentiment_score":0.65340656042099},{"text":"Right. Two 80. I'm fine. Weeks.","start_word":2961,"end_word":2966,"sentiment":"neutral","sentiment_score":0.2618716061115265},{"text":"Cheers.","start_word":2967,"end_word":2967,"sentiment":"positive","sentiment_score":0.5482982397079468},{"text":"Bye. Yeah.","start_word":2968,"end_word":2969,"sentiment":"neutral","sentiment_score":0.2821201980113983}],"average":{"sentiment":"neutral","sentiment_score":0.11997702831794796}}}}