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Now before I do go any further, Jamie, I do need to just pass you through security just to make sure I am speaking with the the right person. Now could you just confirm your full name, date of birth, and address for me, please? Yes. Beautiful. And I do also need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. Now, obviously, I do understand if that's causing hearing that from your accountant would obviously cause a bit of concern. Now I do want to let you know as well that I've just looked at the fee statement that my colleague obviously sent you, which is the one that you went through with your accountant for the last financial year, essentially. And with the insurances, because they do get taken out, obviously, not on the weekend or the day that they do full is that in that one transaction, it shows that your insurances is way more than what you actually paid because of the time. So the time of the report was the first of the seventh twenty twenty five to the thirtieth of the June twenty twenty six. So even though it is just, like, a day difference when the insurance premium actually came out, that's why it shows it. So if you actually go through your full transaction, your insurances you do not pay 3,339 for your insurances. You only pay 1 thousand 870 8. Exactly. So, yes, that's obviously I could then understand why he's like, oh, well, that's you know, it can be expensive, but that is not what you pay. Now I do I do want to go through as well. So do you remember we spoke and went through new advice in May? Brief. Yes. So during that because, obviously, it hasn't been very long since May. Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment to reduce the fees primarily. So it was primarily focusing on reducing fees for you as well as improving those returns. Because in the last twelve months, we obviously had some underperformance with some of the investment. We then obviously led through the whole change in your strategy. So what you have paid last year won't be the same for this year as was kind of outlined in that statement of advice for you. And if you recall let me see if I can get it up exactly. Because we did change some of their investments, so some was a little bit more expensive, which I wanted to focus on reducing the fee for you. So when we went through it, and I'm more than happy to email this to you again if you don't have a copy, is that the recommendation saw a total cost saving. So this is literally just from your, like, investments of about $615 per year. So that obviously does reduce the investment fees pretty substantially because we did recommend to move to slightly cheaper investment option, not to the detriment of the returns, though, because returns are still outperforming your old portfolio. So that was kind of what we did back in May. So, obviously, for the next or, basically, from now to your next annual review or the next six months, if you wanna do another catch up and reassess where everything's at, it will obviously see see things for this financial year, fees being reduced because we have recently just made those changes for you as well as the returns moving forward because, again, we have just made those changes for you. Does that make sense? Well, basically, not necessarily cost you more because we've reduced the fees. So you are paying less in fees, but the returns are better. So you're actually paying less and getting more than the opposite. Directly. Yes. Last twelve months, let me have a look for you. Now like I said, Jamie, we have already made changes, obviously. So when you look at us, so you said the 6,423, the total fees, that was if we did not make any changes. But we have obviously made those changes for you. So the investment fee so for the next twelve months, the investment fees will be lower because we've already reduced them. So aside from, obviously, you not paying 3,393 for insurances, their portfolio service fee will also be reduced because we have moved you to slightly cheaper investment. But I will go into account now and answer your question for what it was last year. And let me see here. Let me just pull this report for you. Just bear with me. The system's a little bit slower. And I'm more than happy to email you this as well so that you have it. So the last twelve months now your report looks a bit messy because, like I said, in May, we made the changes. So you will have all the buys and sells and the changes of the investment because that occurred, obviously, during this time period, and it's very recent. So in and that was also, obviously, why we wanted to move you out of some of those investments that was not performing as well. So let me see here. Now when I pull a report, let me see. It's just a twelve twelve months, did you say? Yep. Alright. Perfect. Just loading at the moment. Alright. So on the 07/22/2025, your super balance was at a 176,673. Now the end of the period, so the 07/21/2026, it's at a 199,406. Now of that, the report shows you what was from basically growth in periods of growth in your investment as well as income. So let me just add this up for you. So the income derived directly from your investment, so that's not your contribution, was 4,738. And then growth of your investments, which again is not to do with your contributions, was 2,000 359. That equates through 7098. Now let me see. Six seven. Yes. And I I do I do really see that, and that is why we did advise for you three months ago. True exactly fits that. Because, obviously, markets do change all the time. And when something is underperforming, You don't always want to sell, obviously, if things are done if you could see it come back around. But that is why we did advise in May for you to change it, which is what was my concern at the time. So if we hadn't changed anything for you, then, yes, very much so. It's like, okay. Well, you know, I understand, obviously, the concerns in regards to the fees, and if the investments aren't necessarily performing. A lot of it was still doing good, but that Benelon one was the one that was primarily underperforming, and you had quite a bit in it at the time. You do no longer have that in it because in the advice that we went through in May, we changed things for you. So Correct. Or we can make sure we pull the dates exactly to show you. So because I went through all the transactions because when I saw it because I had to look at it earlier this morning, and I was like, hang on a minute. You don't pay 3,000 in fees for insurances. Because I know we spoke not long ago, and we did full research. I was like, you do not pay 3,300 in fees of what is happening here. Exactly. No. You are not. Sorry. Because that's why I was like, hang on a minute. And then I went through their transactions of your, like, your individual transactions. I went through all the different dates in the last twelve months to see what actually happened. And I can see that your Zurich insurance came out the 06/01/2026, and that was at 1,878. And then the one last year didn't come out on the June 30. It came out on the July 4. So it's slightly later, which is why it's showing up twice in that statement for you. Yep. Better. Yeah. Yes. And And I totally understand that. Totally. Yep. And at the end of the day, the choice is completely yours. We are here just through, you know, assist everything for you moving forward. And also know, Jamie, that with our fee structure, you don't pay an annual fee. It comes out deducted monthly for you. So it's not like you have to commit to a full twelve month. Obviously, we've just done advice, and we've just made the changes. So, obviously, you will see some fees being reduced. But even if, let's say would you prefer a little bit more frequent catch up to see how things are going? Like, do you want one in, like, six months? Like, a bit more? Yeah. Yeah. Or do you want do you want quarterly? Because we can do whatever you want. Six months? Yep. Yep. Perfect. Alright. I will put a reminder here for you in six months, but if you want to talk earlier, just call. Just send an email or call. It doesn't have to be. But if we don't if I don't hear from you, I will put a reminder in six months, and we can go through a bit of a kind of mini review, go through, okay, what's your investments done, which is, like you said, that's given us a little bit of time for those investments and see how everything's going. And then also, obviously, reassess everything for you. Yes and no. If we if we change investment, that we don't charge any extra fees to change it. That is all part of the standard fee. So when we did oversee advice for you and me, there was no additional fees and charges for for you for us to do that. Correct. So there will be brokerage fee when you make transactions, which obviously we faxed it into the advice. So that is correct. You will also have potential capital gains. Yeah. Yeah. Yeah. Yeah. And I get it. And that's also why, you know, when we did change the investments and why we do obviously factor in all of that. Because like you said, we do not wanna day trade your investment. That's not what you do. And also all the fees. You know? So you wanna make sure you invest in good solid investments that, yes, at time of the market, depending on what is happening, may fluctuate a little bit, but are good solid investments long term. And the investments that we did change for you just because you don't wanna have to do that. Now like you said, obviously, if there is another COVID or, obviously, with the war, like, if there's another major thing, you might wanna look at changing something. But part of the research that we do is factoring in all of that for you of, okay. Well, what are the total fees associated with the change? Is it worth making the change, and how are things looking from a fees and the return point of view? And at the end of the day, there is absolutely nothing holding us to hub twenty four when we do the research. And when I did do the research for you back in May, we also look at other low cost options where you don't have the same kind of option with investment of looking, okay. Well, if you are in something that as a platform, a super fund is a little bit cheaper, can you achieve the same returns? And if you can, then that's what I would have recommended for you, and that's what we recommend. Like, there's nothing tying us to anything. We're completely independent of that. Then we can reassess. Yep. Yeah. And that is completely your choice at the end of the day, Jamie. It's completely up to you. Like I said, I will put a reminder here for a six month catch up. But if you have any concerns or there's anything else you if you wanna talk sooner, just give me a call or send me an email. Otherwise, if I don't hear from you, six months will go through everything. And then you can obviously give it a bit more time, and then you can decide if you are happy with the way things are looking or whether you feel it's not your what's for you at the end of the day. Yeah. No. So yeah. Yeah. Beautiful. Me too. Like I said, I'm always here if you have any questions or concerns or anything, but, otherwise, I will touch base in about six months. Mhmm. You too, Jamie. We'll speak soon. 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Good. Is this Jamie? This is Veronica from Financial. How are you?\n\nYeah. No worries. Sorry, Jamie. Okay. Yeah.\n\nI was of course. Perfect. Let let me have a look at it for you. Now before I do go any further, Jamie, I do need to just pass you through security just to make sure I am speaking with the the right person. Now could you just confirm your full name, date of birth, and address for me, please?\n\nYes. Beautiful. And I do also need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect.\n\nNow, obviously, I do understand if that's causing hearing that from your accountant would obviously cause a bit of concern. Now I do want to let you know as well that I've just looked at the fee statement that my colleague obviously sent you, which is the one that you went through with your accountant for the last financial year, essentially. And with the insurances, because they do get taken out, obviously, not on the weekend or the day that they do full is that in that one transaction, it shows that your insurances is way more than what you actually paid because of the time. So the time of the report was the first of the seventh twenty twenty five to the thirtieth of the June twenty twenty six. So even though it is just, like, a day difference when the insurance premium actually came out, that's why it shows it.\n\nSo if you actually go through your full transaction, your insurances you do not pay 3,339 for your insurances. You only pay 1 thousand 870 8. Exactly. So, yes, that's obviously I could then understand why he's like, oh, well, that's you know, it can be expensive, but that is not what you pay. Now I do I do want to go through as well.\n\nSo do you remember we spoke and went through new advice in May? Brief. Yes. So during that because, obviously, it hasn't been very long since May. Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment to reduce the fees primarily.\n\nSo it was primarily focusing on reducing fees for you as well as improving those returns. Because in the last twelve months, we obviously had some underperformance with some of the investment. We then obviously led through the whole change in your strategy. So what you have paid last year won't be the same for this year as was kind of outlined in that statement of advice for you. And if you recall let me see if I can get it up exactly.\n\nBecause we did change some of their investments, so some was a little bit more expensive, which I wanted to focus on reducing the fee for you. So when we went through it, and I'm more than happy to email this to you again if you don't have a copy, is that the recommendation saw a total cost saving. So this is literally just from your, like, investments of about $615 per year. So that obviously does reduce the investment fees pretty substantially because we did recommend to move to slightly cheaper investment option, not to the detriment of the returns, though, because returns are still outperforming your old portfolio. So that was kind of what we did back in May.\n\nSo, obviously, for the next or, basically, from now to your next annual review or the next six months, if you wanna do another catch up and reassess where everything's at, it will obviously see see things for this financial year, fees being reduced because we have recently just made those changes for you as well as the returns moving forward because, again, we have just made those changes for you. Does that make sense? Well, basically, not necessarily cost you more because we've reduced the fees. So you are paying less in fees, but the returns are better. So you're actually paying less and getting more than the opposite.\n\nDirectly. Yes. Last twelve months, let me have a look for you. Now like I said, Jamie, we have already made changes, obviously. So when you look at us, so you said the 6,423, the total fees, that was if we did not make any changes.\n\nBut we have obviously made those changes for you. So the investment fee so for the next twelve months, the investment fees will be lower because we've already reduced them. So aside from, obviously, you not paying 3,393 for insurances, their portfolio service fee will also be reduced because we have moved you to slightly cheaper investment. But I will go into account now and answer your question for what it was last year. And let me see here.\n\nLet me just pull this report for you. Just bear with me. The system's a little bit slower. And I'm more than happy to email you this as well so that you have it. So the last twelve months now your report looks a bit messy because, like I said, in May, we made the changes.\n\nSo you will have all the buys and sells and the changes of the investment because that occurred, obviously, during this time period, and it's very recent. So in and that was also, obviously, why we wanted to move you out of some of those investments that was not performing as well. So let me see here. Now when I pull a report, let me see. It's just a twelve twelve months, did you say?\n\nYep. Alright. Perfect. Just loading at the moment. Alright.\n\nSo on the 07/22/2025, your super balance was at a 176,673. Now the end of the period, so the 07/21/2026, it's at a 199,406. Now of that, the report shows you what was from basically growth in periods of growth in your investment as well as income. So let me just add this up for you. So the income derived directly from your investment, so that's not your contribution, was 4,738.\n\nAnd then growth of your investments, which again is not to do with your contributions, was 2,000 359. That equates through 7098. Now let me see. Six seven. Yes.\n\nAnd I I do I do really see that, and that is why we did advise for you three months ago. True exactly fits that. Because, obviously, markets do change all the time. And when something is underperforming, You don't always want to sell, obviously, if things are done if you could see it come back around. But that is why we did advise in May for you to change it, which is what was my concern at the time.\n\nSo if we hadn't changed anything for you, then, yes, very much so. It's like, okay. Well, you know, I understand, obviously, the concerns in regards to the fees, and if the investments aren't necessarily performing. A lot of it was still doing good, but that Benelon one was the one that was primarily underperforming, and you had quite a bit in it at the time. You do no longer have that in it because in the advice that we went through in May, we changed things for you.\n\nSo Correct. Or we can make sure we pull the dates exactly to show you. So because I went through all the transactions because when I saw it because I had to look at it earlier this morning, and I was like, hang on a minute. You don't pay 3,000 in fees for insurances. Because I know we spoke not long ago, and we did full research.\n\nI was like, you do not pay 3,300 in fees of what is happening here. Exactly. No. You are not. Sorry.\n\nBecause that's why I was like, hang on a minute. And then I went through their transactions of your, like, your individual transactions. I went through all the different dates in the last twelve months to see what actually happened. And I can see that your Zurich insurance came out the 06/01/2026, and that was at 1,878. And then the one last year didn't come out on the June 30.\n\nIt came out on the July 4. So it's slightly later, which is why it's showing up twice in that statement for you. Yep. Better. Yeah.\n\nYes. And And I totally understand that. Totally. Yep. And at the end of the day, the choice is completely yours.\n\nWe are here just through, you know, assist everything for you moving forward. And also know, Jamie, that with our fee structure, you don't pay an annual fee. It comes out deducted monthly for you. So it's not like you have to commit to a full twelve month. Obviously, we've just done advice, and we've just made the changes.\n\nSo, obviously, you will see some fees being reduced. But even if, let's say would you prefer a little bit more frequent catch up to see how things are going? Like, do you want one in, like, six months? Like, a bit more? Yeah.\n\nYeah. Or do you want do you want quarterly? Because we can do whatever you want. Six months? Yep.\n\nYep. Perfect. Alright. I will put a reminder here for you in six months, but if you want to talk earlier, just call. Just send an email or call.\n\nIt doesn't have to be. But if we don't if I don't hear from you, I will put a reminder in six months, and we can go through a bit of a kind of mini review, go through, okay, what's your investments done, which is, like you said, that's given us a little bit of time for those investments and see how everything's going. And then also, obviously, reassess everything for you. Yes and no. If we if we change investment, that we don't charge any extra fees to change it.\n\nThat is all part of the standard fee. So when we did oversee advice for you and me, there was no additional fees and charges for for you for us to do that. Correct. So there will be brokerage fee when you make transactions, which obviously we faxed it into the advice. So that is correct.\n\nYou will also have potential capital gains. Yeah. Yeah. Yeah. Yeah.\n\nAnd I get it. And that's also why, you know, when we did change the investments and why we do obviously factor in all of that. Because like you said, we do not wanna day trade your investment. That's not what you do. And also all the fees.\n\nYou know? So you wanna make sure you invest in good solid investments that, yes, at time of the market, depending on what is happening, may fluctuate a little bit, but are good solid investments long term. And the investments that we did change for you just because you don't wanna have to do that. Now like you said, obviously, if there is another COVID or, obviously, with the war, like, if there's another major thing, you might wanna look at changing something. But part of the research that we do is factoring in all of that for you of, okay.\n\nWell, what are the total fees associated with the change? Is it worth making the change, and how are things looking from a fees and the return point of view? And at the end of the day, there is absolutely nothing holding us to hub twenty four when we do the research. And when I did do the research for you back in May, we also look at other low cost options where you don't have the same kind of option with investment of looking, okay. Well, if you are in something that as a platform, a super fund is a little bit cheaper, can you achieve the same returns?\n\nAnd if you can, then that's what I would have recommended for you, and that's what we recommend. Like, there's nothing tying us to anything. We're completely independent of that. Then we can reassess. Yep.\n\nYeah. And that is completely your choice at the end of the day, Jamie. It's completely up to you. Like I said, I will put a reminder here for a six month catch up. But if you have any concerns or there's anything else you if you wanna talk sooner, just give me a call or send me an email.\n\nOtherwise, if I don't hear from you, six months will go through everything. And then you can obviously give it a bit more time, and then you can decide if you are happy with the way things are looking or whether you feel it's not your what's for you at the end of the day. Yeah. No. So yeah.\n\nYeah. Beautiful. Me too. Like I said, I'm always here if you have any questions or concerns or anything, but, otherwise, I will touch base in about six months. Mhmm.\n\nYou too, Jamie. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":1.76,"end":2.0,"sentiment":"neutral","sentiment_score":0.27985185384750366},{"text":"Good.","start":2.0,"end":2.24,"sentiment":"positive","sentiment_score":0.4595820903778076},{"text":"Is this Jamie?","start":2.24,"end":3.22,"sentiment":"neutral","sentiment_score":0.24817685782909393},{"text":"This is Veronica from Financial.","start":4.72,"end":6.42,"sentiment":"neutral","sentiment_score":0.14048532992601395},{"text":"How are you?","start":6.96,"end":7.94,"sentiment":"neutral","sentiment_score":0.15392322341601053}],"sentiment":"neutral","sentiment_score":0.2037046798146688,"num_words":13,"start":1.76,"end":7.94},{"sentences":[{"text":"Yeah.","start":13.135,"end":13.635,"sentiment":"neutral","sentiment_score":-0.058745190501213074},{"text":"No worries.","start":13.8550005,"end":14.755,"sentiment":"neutral","sentiment_score":-0.05562462843954563},{"text":"Sorry, Jamie.","start":16.735,"end":17.795,"sentiment":"neutral","sentiment_score":-0.08364725112915039},{"text":"Okay.","start":52.06,"end":52.56,"sentiment":"neutral","sentiment_score":-0.06058371067047119},{"text":"Yeah.","start":53.18,"end":53.68,"sentiment":"neutral","sentiment_score":-0.06078832969069481}],"sentiment":"neutral","sentiment_score":-0.06552299857139587,"num_words":7,"start":13.135,"end":53.68},{"sentences":[{"text":"I was of course.","start":53.9,"end":56.16,"sentiment":"neutral","sentiment_score":-0.16957635059952736},{"text":"Perfect.","start":60.955,"end":61.435,"sentiment":"neutral","sentiment_score":0.2587888836860657},{"text":"Let let me have a look at it for you.","start":61.435,"end":64.255005,"sentiment":"neutral","sentiment_score":0.1711781106889248},{"text":"Now before I do go any further, Jamie, I do need to just pass you through security just to make sure I am speaking with the the right person.","start":64.315,"end":72.495,"sentiment":"neutral","sentiment_score":0.049367360192640077},{"text":"Now could you just confirm your full name, date of birth, and address for me, please?","start":74.22,"end":78.32,"sentiment":"neutral","sentiment_score":0.04703395115211606}],"sentiment":"neutral","sentiment_score":0.057941020869960384,"num_words":60,"start":53.9,"end":78.32},{"sentences":[{"text":"Yes.","start":82.86,"end":83.36,"sentiment":"neutral","sentiment_score":0.013157136738300323},{"text":"Beautiful.","start":85.9,"end":86.4,"sentiment":"positive","sentiment_score":0.4153891205787658},{"text":"And I do also need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":86.54,"end":92.125,"sentiment":"neutral","sentiment_score":0.07092034509000571},{"text":"Yep.","start":93.225006,"end":93.725006,"sentiment":"neutral","sentiment_score":0.15146666765213013},{"text":"Perfect.","start":93.785,"end":94.285,"sentiment":"neutral","sentiment_score":0.29443949460983276}],"sentiment":"neutral","sentiment_score":0.09280075394996891,"num_words":27,"start":82.86,"end":94.285},{"sentences":[{"text":"Now, obviously, I do understand if that's causing hearing that from your accountant would obviously cause a bit of concern.","start":95.145004,"end":101.485,"sentiment":"neutral","sentiment_score":-0.2432268018834293},{"text":"Now I do want to let you know as well that I've just looked at the fee statement that my colleague obviously sent you, which is the one that you went through with your accountant for the last financial year, essentially.","start":101.86,"end":114.36,"sentiment":"neutral","sentiment_score":0.07533278179968275},{"text":"And with the insurances, because they do get taken out, obviously, not on the weekend or the day that they do full is that in that one transaction, it shows that your insurances is way more than what you actually paid because of the time.","start":115.715004,"end":132.66,"sentiment":"neutral","sentiment_score":0.05574446105294757},{"text":"So the time of the report was the first of the seventh twenty twenty five to the thirtieth of the June twenty twenty six.","start":132.66,"end":142.83499,"sentiment":"neutral","sentiment_score":0.053973710940529905},{"text":"So even though it is just, like, a day difference when the insurance premium actually came out, that's why it shows it.","start":143.055,"end":151.295,"sentiment":"neutral","sentiment_score":-0.10201723348687995}],"sentiment":"neutral","sentiment_score":-0.001423692833142061,"num_words":152,"start":95.145004,"end":151.295},{"sentences":[{"text":"So if you actually go through your full transaction, your insurances you do not pay 3,339 for your insurances.","start":151.295,"end":159.16,"sentiment":"neutral","sentiment_score":-0.09409615966050248},{"text":"You only pay 1 thousand 870 8.","start":160.1,"end":164.04,"sentiment":"neutral","sentiment_score":-0.03988752806825297},{"text":"Exactly.","start":166.82,"end":167.32,"sentiment":"neutral","sentiment_score":-0.05581354349851608},{"text":"So, yes, that's obviously I could then understand why he's like, oh, well, that's you know, it can be expensive, but that is not what you pay.","start":168.015,"end":175.635,"sentiment":"neutral","sentiment_score":-0.29497548730836975},{"text":"Now I do I do want to go through as well.","start":176.735,"end":180.97499,"sentiment":"neutral","sentiment_score":0.07710284096273509}],"sentiment":"neutral","sentiment_score":-0.142139387388642,"num_words":65,"start":151.295,"end":180.97499},{"sentences":[{"text":"So do you remember we spoke and went through new advice in May?","start":180.97499,"end":188.45,"sentiment":"neutral","sentiment_score":0.02219512270620236},{"text":"Brief.","start":188.45,"end":188.93001,"sentiment":"neutral","sentiment_score":0.012699306011199951},{"text":"Yes.","start":188.93001,"end":189.43001,"sentiment":"neutral","sentiment_score":0.04820258542895317},{"text":"So during that because, obviously, it hasn't been very long since May.","start":189.57,"end":193.75,"sentiment":"neutral","sentiment_score":-0.07508903307219346},{"text":"Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment to reduce the fees primarily.","start":194.85,"end":206.015,"sentiment":"neutral","sentiment_score":0.07307093791090526}],"sentiment":"neutral","sentiment_score":0.025438008970528277,"num_words":53,"start":180.97499,"end":206.015},{"sentences":[{"text":"So it was primarily focusing on reducing fees for you as well as improving those returns.","start":206.075,"end":211.98,"sentiment":"neutral","sentiment_score":0.2684144666418433},{"text":"Because in the last twelve months, we obviously had some underperformance with some of the investment.","start":212.36,"end":217.31999,"sentiment":"negative","sentiment_score":-0.3996655708178878},{"text":"We then obviously led through the whole change in your strategy.","start":217.31999,"end":221.02,"sentiment":"neutral","sentiment_score":-0.27124158360741357},{"text":"So what you have paid last year won't be the same for this year as was kind of outlined in that statement of advice for you.","start":221.48,"end":231.845,"sentiment":"negative","sentiment_score":-0.3534966678573535},{"text":"And if you recall let me see if I can get it up exactly.","start":232.30501,"end":236.565,"sentiment":"neutral","sentiment_score":-0.015271883590945176}],"sentiment":"neutral","sentiment_score":-0.17455897374774318,"num_words":83,"start":206.075,"end":236.565},{"sentences":[{"text":"Because we did change some of their investments, so some was a little bit more expensive, which I wanted to focus on reducing the fee for you.","start":237.26501,"end":246.78,"sentiment":"neutral","sentiment_score":-0.04545654384074388},{"text":"So when we went through it, and I'm more than happy to email this to you again if you don't have a copy, is that the recommendation saw a total cost saving.","start":247.08,"end":261.945,"sentiment":"positive","sentiment_score":0.4927341938018799},{"text":"So this is literally just from your, like, investments of about $615 per year.","start":262.405,"end":268.76,"sentiment":"positive","sentiment_score":0.3742761143616268},{"text":"So that obviously does reduce the investment fees pretty substantially because we did recommend to move to slightly cheaper investment option, not to the detriment of the returns, though, because returns are still outperforming your old portfolio.","start":269.06,"end":284.815,"sentiment":"neutral","sentiment_score":0.16469811346079852},{"text":"So that was kind of what we did back in May.","start":285.835,"end":289.275,"sentiment":"neutral","sentiment_score":0.11356741054491563}],"sentiment":"neutral","sentiment_score":0.22415789118236748,"num_words":121,"start":237.26501,"end":289.275},{"sentences":[{"text":"So, obviously, for the next or, basically, from now to your next annual review or the next six months, if you wanna do another catch up and reassess where everything's at, it will obviously see see things for this financial year, fees being reduced because we have recently just made those changes for you as well as the returns moving forward because, again, we have just made those changes for you.","start":289.275,"end":312.815,"sentiment":"positive","sentiment_score":0.4170627762943926},{"text":"Does that make sense?","start":314.55502,"end":315.695,"sentiment":"neutral","sentiment_score":0.12249954044818878},{"text":"Well, basically, not necessarily cost you more because we've reduced the fees.","start":320.57,"end":328.33,"sentiment":"neutral","sentiment_score":0.08258749917149544},{"text":"So you are paying less in fees, but the returns are better.","start":328.33,"end":332.845,"sentiment":"neutral","sentiment_score":0.19498199224472046},{"text":"So you're actually paying less and getting more than the opposite.","start":333.065,"end":337.48502,"sentiment":"neutral","sentiment_score":0.07948467948219994}],"sentiment":"neutral","sentiment_score":0.3118783695453947,"num_words":110,"start":289.275,"end":337.48502},{"sentences":[{"text":"Directly.","start":345.56,"end":346.06,"sentiment":"neutral","sentiment_score":0.15325626730918884},{"text":"Yes.","start":346.28,"end":346.78,"sentiment":"neutral","sentiment_score":0.07534338533878326},{"text":"Last twelve months, let me have a look for you.","start":358.855,"end":361.095,"sentiment":"neutral","sentiment_score":0.019982687756419183},{"text":"Now like I said, Jamie, we have already made changes, obviously.","start":361.095,"end":366.075,"sentiment":"neutral","sentiment_score":0.0734879503195936},{"text":"So when you look at us, so you said the 6,423, the total fees, that was if we did not make any changes.","start":366.215,"end":374.91998,"sentiment":"neutral","sentiment_score":0.0022743126053525052}],"sentiment":"neutral","sentiment_score":0.028023982035886984,"num_words":46,"start":345.56,"end":374.91998},{"sentences":[{"text":"But we have obviously made those changes for you.","start":375.3,"end":378.18,"sentiment":"neutral","sentiment_score":0.15646021399233076},{"text":"So the investment fee so for the next twelve months, the investment fees will be lower because we've already reduced them.","start":378.18,"end":385.175,"sentiment":"neutral","sentiment_score":0.288842967578343},{"text":"So aside from, obviously, you not paying 3,393 for insurances, their portfolio service fee will also be reduced because we have moved you to slightly cheaper investment.","start":385.235,"end":398.72,"sentiment":"neutral","sentiment_score":0.2900252756145265},{"text":"But I will go into account now and answer your question for what it was last year.","start":399.5,"end":404.72,"sentiment":"neutral","sentiment_score":0.047673080335645115},{"text":"And let me see here.","start":406.78,"end":408.31998,"sentiment":"neutral","sentiment_score":0.0413078598678112}],"sentiment":"neutral","sentiment_score":0.20660137154067618,"num_words":79,"start":375.3,"end":408.31998},{"sentences":[{"text":"Let me just pull this report for you.","start":414.075,"end":416.335,"sentiment":"neutral","sentiment_score":0.04445174057036638},{"text":"Just bear with me.","start":424.25,"end":424.89,"sentiment":"neutral","sentiment_score":-0.0008863704279065132},{"text":"The system's a little bit slower.","start":424.89,"end":426.34998,"sentiment":"neutral","sentiment_score":-0.14996442198753357},{"text":"And I'm more than happy to email you this as well so that you have it.","start":439.865,"end":443.725,"sentiment":"neutral","sentiment_score":0.3053317703306675},{"text":"So the last twelve months now your report looks a bit messy because, like I said, in May, we made the changes.","start":445.305,"end":452.45,"sentiment":"neutral","sentiment_score":-0.18140962211923164}],"sentiment":"neutral","sentiment_score":0.00618890267131584,"num_words":56,"start":414.075,"end":452.45},{"sentences":[{"text":"So you will have all the buys and sells and the changes of the investment because that occurred, obviously, during this time period, and it's very recent.","start":452.83002,"end":460.05,"sentiment":"neutral","sentiment_score":-0.11746119859593886},{"text":"So in and that was also, obviously, why we wanted to move you out of some of those investments that was not performing as well.","start":461.14502,"end":469.565,"sentiment":"neutral","sentiment_score":-0.16599300920963286},{"text":"So let me see here.","start":470.105,"end":472.685,"sentiment":"neutral","sentiment_score":-0.003452233597636223},{"text":"Now when I pull a report, let me see.","start":472.825,"end":479.61334,"sentiment":"neutral","sentiment_score":0.00620622912214862},{"text":"It's just a twelve twelve months, did you say?","start":480.34,"end":483.47998,"sentiment":"neutral","sentiment_score":-0.002572018342713515}],"sentiment":"neutral","sentiment_score":-0.09741107817739249,"num_words":75,"start":452.83002,"end":483.47998},{"sentences":[{"text":"Yep.","start":484.97998,"end":485.3,"sentiment":"neutral","sentiment_score":0.10581666231155396},{"text":"Alright.","start":485.3,"end":485.78,"sentiment":"neutral","sentiment_score":0.2720443606376648},{"text":"Perfect.","start":485.78,"end":486.28,"sentiment":"positive","sentiment_score":0.43341004848480225},{"text":"Just loading at the moment.","start":490.355,"end":492.215,"sentiment":"neutral","sentiment_score":0.26354578137397766},{"text":"Alright.","start":506.05,"end":506.55,"sentiment":"neutral","sentiment_score":0.11618547141551971}],"sentiment":"neutral","sentiment_score":0.24946504996882546,"num_words":9,"start":484.97998,"end":506.55},{"sentences":[{"text":"So on the 07/22/2025, your super balance was at a 176,673.","start":506.61,"end":522.06494,"sentiment":"neutral","sentiment_score":0.07952984151515094},{"text":"Now the end of the period, so the 07/21/2026, it's at a 199,406.","start":523.96497,"end":537.98004,"sentiment":"neutral","sentiment_score":0.04273230582475662},{"text":"Now of that, the report shows you what was from basically growth in periods of growth in your investment as well as income.","start":538.60004,"end":550.075,"sentiment":"neutral","sentiment_score":0.036482499993365745},{"text":"So let me just add this up for you.","start":550.615,"end":552.775,"sentiment":"neutral","sentiment_score":0.0795697317355209},{"text":"So the income derived directly from your investment, so that's not your contribution, was 4,738.","start":552.775,"end":559.62,"sentiment":"neutral","sentiment_score":0.016392572379360596}],"sentiment":"neutral","sentiment_score":0.04551354793726768,"num_words":71,"start":506.61,"end":559.62},{"sentences":[{"text":"And then growth of your investments, which again is not to do with your contributions, was 2,000 359.","start":559.62,"end":566.12,"sentiment":"neutral","sentiment_score":-0.010005186932782332},{"text":"That equates through 7098.","start":566.74,"end":571.39996,"sentiment":"neutral","sentiment_score":0.03018420748412609},{"text":"Now let me see.","start":572.765,"end":573.98505,"sentiment":"neutral","sentiment_score":0.04276278428733349},{"text":"Six seven.","start":575.085,"end":577.66504,"sentiment":"neutral","sentiment_score":0.017125027254223824},{"text":"Yes.","start":592.54,"end":593.04,"sentiment":"neutral","sentiment_score":-0.0014204811304807663}],"sentiment":"neutral","sentiment_score":0.004983592264611146,"num_words":29,"start":559.62,"end":593.04},{"sentences":[{"text":"And I I do I do really see that, and that is why we did advise for you three months ago.","start":593.1,"end":600.61505,"sentiment":"neutral","sentiment_score":0.1855123204489549},{"text":"True exactly fits that.","start":600.91504,"end":603.41504,"sentiment":"neutral","sentiment_score":0.24371550232172012},{"text":"Because, obviously, markets do change all the time.","start":603.715,"end":606.695,"sentiment":"neutral","sentiment_score":-0.034478344954550266},{"text":"And when something is underperforming, You don't always want to sell, obviously, if things are done if you could see it come back around.","start":607.23505,"end":614.53,"sentiment":"neutral","sentiment_score":-0.21344878633196154},{"text":"But that is why we did advise in May for you to change it, which is what was my concern at the time.","start":615.47003,"end":624.61005,"sentiment":"neutral","sentiment_score":0.005037501292384189}],"sentiment":"neutral","sentiment_score":-0.00515142953954637,"num_words":80,"start":593.1,"end":624.61005},{"sentences":[{"text":"So if we hadn't changed anything for you, then, yes, very much so.","start":625.085,"end":630.365,"sentiment":"neutral","sentiment_score":-0.16883204590815765},{"text":"It's like, okay.","start":630.365,"end":631.165,"sentiment":"neutral","sentiment_score":-0.02154102548956871},{"text":"Well, you know, I understand, obviously, the concerns in regards to the fees, and if the investments aren't necessarily performing.","start":631.165,"end":640.08,"sentiment":"neutral","sentiment_score":-0.15244998931884765},{"text":"A lot of it was still doing good, but that Benelon one was the one that was primarily underperforming, and you had quite a bit in it at the time.","start":640.08,"end":647.92004,"sentiment":"neutral","sentiment_score":-0.3277542365094026},{"text":"You do no longer have that in it because in the advice that we went through in May, we changed things for you.","start":647.92004,"end":654.705,"sentiment":"neutral","sentiment_score":-0.20749840642447057}],"sentiment":"neutral","sentiment_score":-0.22374752699659112,"num_words":89,"start":625.085,"end":654.705},{"sentences":[{"text":"So Correct.","start":654.705,"end":671.43,"sentiment":"neutral","sentiment_score":-0.0024600625038146973},{"text":"Or we can make sure we pull the dates exactly to show you.","start":671.43,"end":674.57,"sentiment":"neutral","sentiment_score":0.029476668399113875},{"text":"So because I went through all the transactions because when I saw it because I had to look at it earlier this morning, and I was like, hang on a minute.","start":674.71,"end":683.545,"sentiment":"neutral","sentiment_score":-0.04433854344871736},{"text":"You don't pay 3,000 in fees for insurances.","start":684.005,"end":687.78503,"sentiment":"neutral","sentiment_score":-0.21420538611710072},{"text":"Because I know we spoke not long ago, and we did full research.","start":687.925,"end":690.365,"sentiment":"neutral","sentiment_score":-0.03911583956617575}],"sentiment":"neutral","sentiment_score":-0.04803533262726086,"num_words":67,"start":654.705,"end":690.365},{"sentences":[{"text":"I was like, you do not pay 3,300 in fees of what is happening here.","start":690.365,"end":695.37,"sentiment":"neutral","sentiment_score":-0.1578459347287814},{"text":"Exactly.","start":705.525,"end":706.025,"sentiment":"neutral","sentiment_score":-0.01936143822968006},{"text":"No.","start":706.645,"end":707.045,"sentiment":"neutral","sentiment_score":-0.23757082223892212},{"text":"You are not.","start":707.045,"end":707.605,"sentiment":"neutral","sentiment_score":-0.30375754833221436},{"text":"Sorry.","start":707.605,"end":707.84503,"sentiment":"neutral","sentiment_score":-0.261407732963562}],"sentiment":"neutral","sentiment_score":-0.18082388854097753,"num_words":21,"start":690.365,"end":707.84503},{"sentences":[{"text":"Because that's why I was like, hang on a minute.","start":707.84503,"end":709.685,"sentiment":"neutral","sentiment_score":-0.16916860789060592},{"text":"And then I went through their transactions of your, like, your individual transactions.","start":709.685,"end":715.445,"sentiment":"neutral","sentiment_score":-0.06978802382946014},{"text":"I went through all the different dates in the last twelve months to see what actually happened.","start":715.445,"end":719.785,"sentiment":"neutral","sentiment_score":-0.07362880908391055},{"text":"And I can see that your Zurich insurance came out the 06/01/2026, and that was at 1,878.","start":721.05005,"end":731.07,"sentiment":"neutral","sentiment_score":0.03681280387236791},{"text":"And then the one last year didn't come out on the June 30.","start":731.61005,"end":736.915,"sentiment":"neutral","sentiment_score":-0.013603962098176662}],"sentiment":"neutral","sentiment_score":-0.04859505692230803,"num_words":70,"start":707.84503,"end":736.915},{"sentences":[{"text":"It came out on the July 4.","start":736.915,"end":738.69495,"sentiment":"neutral","sentiment_score":0.01353611477783748},{"text":"So it's slightly later, which is why it's showing up twice in that statement for you.","start":739.315,"end":746.13495,"sentiment":"neutral","sentiment_score":-0.010622208472341299},{"text":"Yep.","start":757.73,"end":758.23,"sentiment":"neutral","sentiment_score":-0.03873559087514877},{"text":"Better.","start":763.34503,"end":763.84503,"sentiment":"negative","sentiment_score":-0.3441331386566162},{"text":"Yeah.","start":764.305,"end":764.805,"sentiment":"neutral","sentiment_score":-0.1061001643538475}],"sentiment":"neutral","sentiment_score":-0.02169890099993119,"num_words":26,"start":736.915,"end":764.805},{"sentences":[{"text":"Yes.","start":765.905,"end":766.405,"sentiment":"neutral","sentiment_score":-0.07067759335041046},{"text":"And And I totally understand that.","start":767.185,"end":776.9,"sentiment":"negative","sentiment_score":-0.4294515649477641},{"text":"Totally.","start":777.36005,"end":777.86005,"sentiment":"negative","sentiment_score":-0.4788187742233277},{"text":"Yep.","start":778.48004,"end":778.96,"sentiment":"neutral","sentiment_score":0.03452031686902046},{"text":"And at the end of the day, the choice is completely yours.","start":778.96,"end":782.0,"sentiment":"neutral","sentiment_score":0.30463478652139503}],"sentiment":"neutral","sentiment_score":0.026853904660258974,"num_words":21,"start":765.905,"end":782.0},{"sentences":[{"text":"We are here just through, you know, assist everything for you moving forward.","start":782.0,"end":787.13495,"sentiment":"positive","sentiment_score":0.45620596408843994},{"text":"And also know, Jamie, that with our fee structure, you don't pay an annual fee.","start":787.13495,"end":792.995,"sentiment":"neutral","sentiment_score":0.09893565227588018},{"text":"It comes out deducted monthly for you.","start":793.055,"end":795.63495,"sentiment":"neutral","sentiment_score":0.17516914222921645},{"text":"So it's not like you have to commit to a full twelve month.","start":795.935,"end":799.72,"sentiment":"neutral","sentiment_score":-0.19055578571099502},{"text":"Obviously, we've just done advice, and we've just made the changes.","start":799.72,"end":802.7,"sentiment":"neutral","sentiment_score":0.11159711161797697}],"sentiment":"neutral","sentiment_score":0.1252752428211398,"num_words":59,"start":782.0,"end":802.7},{"sentences":[{"text":"So, obviously, you will see some fees being reduced.","start":803.0,"end":806.38,"sentiment":"neutral","sentiment_score":0.15168359710110557},{"text":"But even if, let's say would you prefer a little bit more frequent catch up to see how things are going?","start":806.68,"end":812.935,"sentiment":"neutral","sentiment_score":0.038456035733577754},{"text":"Like, do you want one in, like, six months?","start":812.935,"end":814.795,"sentiment":"neutral","sentiment_score":-0.02613495559328132},{"text":"Like, a bit more?","start":815.255,"end":816.47504,"sentiment":"neutral","sentiment_score":-0.02835086639970541},{"text":"Yeah.","start":819.175,"end":819.675,"sentiment":"neutral","sentiment_score":0.015133805572986605}],"sentiment":"neutral","sentiment_score":0.04180101963522082,"num_words":44,"start":803.0,"end":819.675},{"sentences":[{"text":"Yeah.","start":821.99005,"end":822.49005,"sentiment":"neutral","sentiment_score":0.025366146117448807},{"text":"Or do you want do you want quarterly?","start":825.27,"end":827.83,"sentiment":"neutral","sentiment_score":0.02253187191672623},{"text":"Because we can do whatever you want.","start":827.83,"end":829.53,"sentiment":"neutral","sentiment_score":0.14367546992642538},{"text":"Six months?","start":830.71,"end":831.53,"sentiment":"neutral","sentiment_score":0.07158567570149899},{"text":"Yep.","start":833.125,"end":833.52496,"sentiment":"neutral","sentiment_score":0.17317357659339905}],"sentiment":"neutral","sentiment_score":0.0804049652069807,"num_words":19,"start":821.99005,"end":833.52496},{"sentences":[{"text":"Yep.","start":833.52496,"end":833.925,"sentiment":"neutral","sentiment_score":0.20267415046691897},{"text":"Perfect.","start":833.925,"end":834.40497,"sentiment":"positive","sentiment_score":0.6025267839431763},{"text":"Alright.","start":834.40497,"end":834.90497,"sentiment":"neutral","sentiment_score":0.3110208809375763},{"text":"I will put a reminder here for you in six months, but if you want to talk earlier, just call.","start":835.045,"end":841.845,"sentiment":"neutral","sentiment_score":0.1310137253254652},{"text":"Just send an email or call.","start":841.845,"end":842.88495,"sentiment":"neutral","sentiment_score":0.11774665738145511}],"sentiment":"neutral","sentiment_score":0.1532060781429554,"num_words":29,"start":833.52496,"end":842.88495},{"sentences":[{"text":"It doesn't have to be.","start":842.88495,"end":843.76495,"sentiment":"neutral","sentiment_score":0.08929356187582016},{"text":"But if we don't if I don't hear from you, I will put a reminder in six months, and we can go through a bit of a kind of mini review, go through, okay, what's your investments done, which is, like you said, that's given us a little bit of time for those investments and see how everything's going.","start":843.76495,"end":859.1,"sentiment":"neutral","sentiment_score":0.08880783424917925},{"text":"And then also, obviously, reassess everything for you.","start":860.655,"end":863.79504,"sentiment":"neutral","sentiment_score":0.04744696384295821},{"text":"Yes and no.","start":885.915,"end":886.71497,"sentiment":"neutral","sentiment_score":0.2585419366757075},{"text":"If we if we change investment, that we don't charge any extra fees to change it.","start":886.71497,"end":892.71497,"sentiment":"neutral","sentiment_score":0.26753641478717327}],"sentiment":"neutral","sentiment_score":0.12221883722468392,"num_words":91,"start":842.88495,"end":892.71497},{"sentences":[{"text":"That is all part of the standard fee.","start":892.71497,"end":894.71497,"sentiment":"positive","sentiment_score":0.3787577599287033},{"text":"So when we did oversee advice for you and me, there was no additional fees and charges for for you for us to do that.","start":894.71497,"end":901.88,"sentiment":"neutral","sentiment_score":0.31174701094627383},{"text":"Correct.","start":905.22,"end":905.62,"sentiment":"neutral","sentiment_score":0.08656664192676544},{"text":"So there will be brokerage fee when you make transactions, which obviously we faxed it into the advice.","start":905.62,"end":910.44,"sentiment":"neutral","sentiment_score":0.07449288562768036},{"text":"So that is correct.","start":910.66,"end":911.88,"sentiment":"neutral","sentiment_score":0.2513628900051117}],"sentiment":"neutral","sentiment_score":0.23672549100592732,"num_words":56,"start":892.71497,"end":911.88},{"sentences":[{"text":"You will also have potential capital gains.","start":912.125,"end":914.945,"sentiment":"neutral","sentiment_score":0.1377494324530874},{"text":"Yeah.","start":916.925,"end":917.425,"sentiment":"neutral","sentiment_score":-0.12230318039655684},{"text":"Yeah.","start":921.565,"end":922.065,"sentiment":"neutral","sentiment_score":-0.06649866700172424},{"text":"Yeah.","start":925.74,"end":926.24,"sentiment":"neutral","sentiment_score":-0.13338778913021088},{"text":"Yeah.","start":928.77997,"end":929.27997,"sentiment":"neutral","sentiment_score":-0.017197754234075546}],"sentiment":"neutral","sentiment_score":0.05680533058264039,"num_words":11,"start":912.125,"end":929.27997},{"sentences":[{"text":"And I get it.","start":929.9,"end":930.54,"sentiment":"neutral","sentiment_score":0.0295164929702878},{"text":"And that's also why, you know, when we did change the investments and why we do obviously factor in all of that.","start":930.54,"end":937.435,"sentiment":"neutral","sentiment_score":0.08231202411380681},{"text":"Because like you said, we do not wanna day trade your investment.","start":937.435,"end":939.835,"sentiment":"neutral","sentiment_score":-0.08314995809147756},{"text":"That's not what you do.","start":939.835,"end":940.97504,"sentiment":"neutral","sentiment_score":-0.09944795817136765},{"text":"And also all the fees.","start":941.275,"end":942.47504,"sentiment":"neutral","sentiment_score":0.022386434674263}],"sentiment":"neutral","sentiment_score":0.011371320579200983,"num_words":48,"start":929.9,"end":942.47504},{"sentences":[{"text":"You know?","start":942.47504,"end":942.875,"sentiment":"neutral","sentiment_score":0.035871462896466255},{"text":"So you wanna make sure you invest in good solid investments that, yes, at time of the market, depending on what is happening, may fluctuate a little bit, but are good solid investments long term.","start":942.875,"end":954.16,"sentiment":"neutral","sentiment_score":0.18895379453897476},{"text":"And the investments that we did change for you just because you don't wanna have to do that.","start":954.45996,"end":959.33997,"sentiment":"neutral","sentiment_score":0.14360442302293247},{"text":"Now like you said, obviously, if there is another COVID or, obviously, with the war, like, if there's another major thing, you might wanna look at changing something.","start":959.33997,"end":968.29504,"sentiment":"neutral","sentiment_score":-0.10394216568342277},{"text":"But part of the research that we do is factoring in all of that for you of, okay.","start":968.99506,"end":974.275,"sentiment":"neutral","sentiment_score":0.10034984205332068}],"sentiment":"neutral","sentiment_score":0.08085071155340365,"num_words":101,"start":942.47504,"end":974.275},{"sentences":[{"text":"Well, what are the total fees associated with the change?","start":974.275,"end":977.895,"sentiment":"neutral","sentiment_score":0.07838902659714223},{"text":"Is it worth making the change, and how are things looking from a fees and the return point of view?","start":978.67505,"end":984.97003,"sentiment":"neutral","sentiment_score":0.12605111971497535},{"text":"And at the end of the day, there is absolutely nothing holding us to hub twenty four when we do the research.","start":985.91003,"end":990.79004,"sentiment":"neutral","sentiment_score":0.14373398199677467},{"text":"And when I did do the research for you back in May, we also look at other low cost options where you don't have the same kind of option with investment of looking, okay.","start":990.79004,"end":1002.20496,"sentiment":"neutral","sentiment_score":0.09764602922779672},{"text":"Well, if you are in something that as a platform, a super fund is a little bit cheaper, can you achieve the same returns?","start":1002.20496,"end":1009.04,"sentiment":"neutral","sentiment_score":0.24374888402720293}],"sentiment":"neutral","sentiment_score":0.1421545315872539,"num_words":110,"start":974.275,"end":1009.04},{"sentences":[{"text":"And if you can, then that's what I would have recommended for you, and that's what we recommend.","start":1009.26,"end":1013.5,"sentiment":"positive","sentiment_score":0.34021568877829444},{"text":"Like, there's nothing tying us to anything.","start":1013.5,"end":1015.51996,"sentiment":"neutral","sentiment_score":0.0890563784965447},{"text":"We're completely independent of that.","start":1015.66,"end":1017.92,"sentiment":"neutral","sentiment_score":0.20773024559020997},{"text":"Then we can reassess.","start":1020.06,"end":1021.12,"sentiment":"neutral","sentiment_score":0.054021245799958706},{"text":"Yep.","start":1022.685,"end":1023.185,"sentiment":"neutral","sentiment_score":-0.09655976295471191}],"sentiment":"neutral","sentiment_score":0.22587009987660817,"num_words":35,"start":1009.26,"end":1023.185},{"sentences":[{"text":"Yeah.","start":1025.485,"end":1025.985,"sentiment":"neutral","sentiment_score":-0.0032299011945724487},{"text":"And that is completely your choice at the end of the day, Jamie.","start":1026.525,"end":1029.485,"sentiment":"neutral","sentiment_score":0.2502523053150911},{"text":"It's completely up to you.","start":1029.485,"end":1031.025,"sentiment":"neutral","sentiment_score":0.32831106185913084},{"text":"Like I said, I will put a reminder here for a six month catch up.","start":1031.965,"end":1035.485,"sentiment":"neutral","sentiment_score":0.1675485596060753},{"text":"But if you have any concerns or there's anything else you if you wanna talk sooner, just give me a call or send me an email.","start":1035.485,"end":1042.28,"sentiment":"neutral","sentiment_score":0.0576410719121878}],"sentiment":"neutral","sentiment_score":0.14839169401675462,"num_words":60,"start":1025.485,"end":1042.28},{"sentences":[{"text":"Otherwise, if I don't hear from you, six months will go through everything.","start":1042.9,"end":1046.6,"sentiment":"neutral","sentiment_score":-0.0978208169914209},{"text":"And then you can obviously give it a bit more time, and then you can decide if you are happy with the way things are looking or whether you feel it's not your what's for you at the end of the day.","start":1046.8201,"end":1057.415,"sentiment":"neutral","sentiment_score":0.02835110743485746},{"text":"Yeah.","start":1057.875,"end":1058.375,"sentiment":"positive","sentiment_score":0.3386118412017822},{"text":"No.","start":1060.115,"end":1060.615,"sentiment":"neutral","sentiment_score":-0.07855812460184097},{"text":"So yeah.","start":1061.795,"end":1062.7051,"sentiment":"neutral","sentiment_score":0.029459960758686066}],"sentiment":"neutral","sentiment_score":0.004034737788014493,"num_words":59,"start":1042.9,"end":1062.7051},{"sentences":[{"text":"Yeah.","start":1063.7999,"end":1064.12,"sentiment":"neutral","sentiment_score":0.31531184911727905},{"text":"Beautiful.","start":1064.12,"end":1064.62,"sentiment":"positive","sentiment_score":0.7096282839775085},{"text":"Me too.","start":1064.6799,"end":1065.08,"sentiment":"positive","sentiment_score":0.47583048045635223},{"text":"Like I said, I'm always here if you have any questions or concerns or anything, but, otherwise, I will touch base in about six months.","start":1065.08,"end":1071.1799,"sentiment":"neutral","sentiment_score":0.23183894515037537},{"text":"Mhmm.","start":1072.9199,"end":1073.1599,"sentiment":"neutral","sentiment_score":0.191832572221756}],"sentiment":"neutral","sentiment_score":0.26548024316628777,"num_words":30,"start":1063.7999,"end":1073.1599},{"sentences":[{"text":"You too, Jamie.","start":1073.1599,"end":1073.96,"sentiment":"neutral","sentiment_score":0.2798776626586914},{"text":"We'll speak soon.","start":1073.96,"end":1074.94,"sentiment":"neutral","sentiment_score":0.20149985949198404},{"text":"Bye.","start":1075.48,"end":1075.98,"sentiment":"neutral","sentiment_score":-0.09649538993835448}],"sentiment":"neutral","sentiment_score":0.19251959664481028,"num_words":7,"start":1073.1599,"end":1075.98}]}}]},{"alternatives":[{"transcript":"Hi. How are you going? Yes. Speaking. Yeah. Not too bad. Just I'm even more worse at the moment, but I can try and find quite sort of talk whatever and talk to you. Yeah. Just in regards to yeah. I have my account and I've done my tax and everything, and then you're sort of horrified when I showed him. I was talking about how I paid over $6,000 this year just for my life insurance and your guys' fees. Comes over $6,000 in fees and I'm trying to explain to me why he's trying to tell me, like, I can get life insurance for the same cover for really 70% cheaper, 65% cheaper. And then and it's like, obviously, what I'm making return on my super that I'm giving away about over 60% of it or something just for something that anybody can do, he's trying to tell me. So I'm just really concerned thinking of what so that's my first question. So how much money did I actually make last four months besides contributions? Yep. Yep. Yep. Yep. Jamie Kelly. 77 Clowett Avenue, Rouse Hill, New South Wales 2 155, And 2nd B 877. Yep. Great. Yep. Yep. Yes. Yep. Okay. What okay. So half of that more or less. Because it said two years. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Okay. Yep. Yep. Okay. So so so more or less, you gotta spend money to make money. You gotta sort of sort of say that'll be it would cost me more now to save yourself more later. So okay. Okay. Okay. So effective so I can more or less minus $1,800 from that $6,000 statement that she printed out when he gave me because that's two years worth of wire. And so it still cost me 4,000 and such of dollars or whatever. So so what did the how much did the fund actually besides the contributions, how much did I profit or make last four months? Yeah. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. So you can see my concern, obviously, then when you I've got a $6,500 bill and the gross that I've made actually 7,900. Something I've done this all year for what? $1,300 profit. I'm thinking in my head. But getting to the obviously, things are a little bit different, explain stubble insurances or whatever and but Yep. Yep. Yep. Okay. Thank you. Yep. Yep. Yep. Okay. So obviously, we're so what will next year's statement not have insurance fees at all or just have it's fine fine. Obviously, by one day, it means that there's double fees. But so next year's insurance one will have just one lot of fees again, will it? Or yeah. Yeah. Yeah. Yeah. Because the average for that's like a thousand $1,200, $1,300, the maximum sort of thing, I thought. Of what I'm hoping market and I thought, wow. What's this $3,300? Yeah. Yes. Yep. Yep. Okay. Gotcha. Okay. Well, so I've paid fees now for this year and all the fees for you guys for the six twelve months. So obviously, yeah, before I knew the next financial year or whatever, let's yeah. Just let's just hope everything's actually performed. And so I've done something, obviously, I don't know if it happened in the world and take care of all the rest of it. But yeah. But if it's like, well, it's another thousand, $2,000 profit at the end of it all minus all the fees and insurance and everything, it's sort of probably not worth me continuing. If you know what I mean? Because it's not really yeah. Not really doing enough. Yeah. Yep. Yep. Yep. Yep. Maybe maybe I think it's yeah. Maybe I think it's better just to hopefully try and settle my concerns and nerves a bit thinking, okay. I think you guys are here five years and yeah. I don't know. Just yeah. Now six months should be fine. Just give enough time to try and do something at least. Yeah. Yep. Yep. Six months. Yep. Yep. So so the downside is if things aren't performing, then obviously they're not performing and I'm not getting good returns and sort of waste of time. But then if I've got to change it, then the fees that'll change it, cost me to change it each time, then absorbs any growth for that next year anyway. So it's sort of like a double in the sword, isn't it? Like, it's not performing a change and then you change it, more fees and more fees. So it's like The way you've got invested, isn't there exit fees and isn't there more fees when you enter into a new one? Yeah. Yeah. Yep. So you see the way you sort of double ended sword sort of thing. But your your funds not going well, you change it, but then either way, then you're paying twice anyway. So it's like, where do you ever actually need to sit back and hope it's a miracle that your fund goes well and what you're putting goes well for several years in a row. If not, then it's you're never really gonna make money. Yeah. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Okay. I will give Hub 20 four another six to twelve months. And if there's a dramatic improvement, we'll sort of save. If it's not, then I'm guessing I won't stay up 24. It's not really doing what I thought it would do. But yeah. Yep. Yep. No problem. Okay. Well, thanks a lot for the call. That well, they'll give me peace of mind for the next six months, and I'm a we'll do this catch up. Okay. Great. You have a good day. Okay. Bye. 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How are you going? Yes. Speaking. Yeah.\n\nNot too bad. Just I'm even more worse at the moment, but I can try and find quite sort of talk whatever and talk to you. Yeah. Just in regards to yeah. I have my account and I've done my tax and everything, and then you're sort of horrified when I showed him.\n\nI was talking about how I paid over $6,000 this year just for my life insurance and your guys' fees. Comes over $6,000 in fees and I'm trying to explain to me why he's trying to tell me, like, I can get life insurance for the same cover for really 70% cheaper, 65% cheaper. And then and it's like, obviously, what I'm making return on my super that I'm giving away about over 60% of it or something just for something that anybody can do, he's trying to tell me. So I'm just really concerned thinking of what so that's my first question. So how much money did I actually make last four months besides contributions?\n\nYep. Yep. Yep. Yep. Jamie Kelly.\n\n77 Clowett Avenue, Rouse Hill, New South Wales 2 155, And 2nd B 877. Yep. Great. Yep. Yep.\n\nYes. Yep. Okay. What okay. So half of that more or less.\n\nBecause it said two years. Yep. Yep. Yep. Okay.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Okay. So so so more or less, you gotta spend money to make money. You gotta sort of sort of say that'll be it would cost me more now to save yourself more later. So okay.\n\nOkay. Okay. So effective so I can more or less minus $1,800 from that $6,000 statement that she printed out when he gave me because that's two years worth of wire. And so it still cost me 4,000 and such of dollars or whatever. So so what did the how much did the fund actually besides the contributions, how much did I profit or make last four months?\n\nYeah. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yep. So you can see my concern, obviously, then when you I've got a $6,500 bill and the gross that I've made actually 7,900.\n\nSomething I've done this all year for what? $1,300 profit. I'm thinking in my head. But getting to the obviously, things are a little bit different, explain stubble insurances or whatever and but Yep. Yep.\n\nYep. Okay. Thank you. Yep. Yep.\n\nYep. Okay. So obviously, we're so what will next year's statement not have insurance fees at all or just have it's fine fine. Obviously, by one day, it means that there's double fees. But so next year's insurance one will have just one lot of fees again, will it?\n\nOr yeah. Yeah. Yeah. Yeah. Because the average for that's like a thousand $1,200, $1,300, the maximum sort of thing, I thought.\n\nOf what I'm hoping market and I thought, wow. What's this $3,300? Yeah. Yes. Yep.\n\nYep. Okay. Gotcha. Okay. Well, so I've paid fees now for this year and all the fees for you guys for the six twelve months.\n\nSo obviously, yeah, before I knew the next financial year or whatever, let's yeah. Just let's just hope everything's actually performed. And so I've done something, obviously, I don't know if it happened in the world and take care of all the rest of it. But yeah. But if it's like, well, it's another thousand, $2,000 profit at the end of it all minus all the fees and insurance and everything, it's sort of probably not worth me continuing.\n\nIf you know what I mean? Because it's not really yeah. Not really doing enough. Yeah. Yep.\n\nYep. Yep. Yep. Maybe maybe I think it's yeah. Maybe I think it's better just to hopefully try and settle my concerns and nerves a bit thinking, okay.\n\nI think you guys are here five years and yeah. I don't know. Just yeah. Now six months should be fine. Just give enough time to try and do something at least.\n\nYeah. Yep. Yep. Six months. Yep.\n\nYep. So so the downside is if things aren't performing, then obviously they're not performing and I'm not getting good returns and sort of waste of time. But then if I've got to change it, then the fees that'll change it, cost me to change it each time, then absorbs any growth for that next year anyway. So it's sort of like a double in the sword, isn't it? Like, it's not performing a change and then you change it, more fees and more fees.\n\nSo it's like The way you've got invested, isn't there exit fees and isn't there more fees when you enter into a new one? Yeah. Yeah. Yep. So you see the way you sort of double ended sword sort of thing.\n\nBut your your funds not going well, you change it, but then either way, then you're paying twice anyway. So it's like, where do you ever actually need to sit back and hope it's a miracle that your fund goes well and what you're putting goes well for several years in a row. If not, then it's you're never really gonna make money. Yeah. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Okay. I will give Hub 20 four another six to twelve months. And if there's a dramatic improvement, we'll sort of save.\n\nIf it's not, then I'm guessing I won't stay up 24. It's not really doing what I thought it would do. But yeah. Yep. Yep.\n\nNo problem. Okay. Well, thanks a lot for the call. That well, they'll give me peace of mind for the next six months, and I'm a we'll do this catch up. Okay.\n\nGreat. You have a good day. Okay. Bye. See you.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.21628589928150177},{"text":"How are you going?","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.26672353222966194},{"text":"Yes.","start":3.6,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.11913707852363586},{"text":"Speaking.","start":3.9199998,"end":4.42,"sentiment":"neutral","sentiment_score":0.1027207374572754},{"text":"Yeah.","start":7.8399997,"end":8.08,"sentiment":"neutral","sentiment_score":0.0017251856625080109}],"sentiment":"neutral","sentiment_score":0.1883453787304461,"num_words":8,"start":0.24,"end":8.08},{"sentences":[{"text":"Not too bad.","start":8.08,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.0632488951086998},{"text":"Just I'm even more worse at the moment, but I can try and find quite sort of talk whatever and talk to you.","start":8.639999,"end":12.98,"sentiment":"neutral","sentiment_score":-0.2731982488995013},{"text":"Yeah.","start":16.805,"end":17.045,"sentiment":"neutral","sentiment_score":-0.03582567721605301},{"text":"Just in regards to yeah.","start":17.045,"end":18.205002,"sentiment":"neutral","sentiment_score":-0.07720283269882203},{"text":"I have my account and I've done my tax and everything, and then you're sort of horrified when I showed him.","start":18.205002,"end":22.405,"sentiment":"neutral","sentiment_score":-0.3201456836291722}],"sentiment":"neutral","sentiment_score":-0.2569472756025926,"num_words":53,"start":8.08,"end":22.405},{"sentences":[{"text":"I was talking about how I paid over $6,000 this year just for my life insurance and your guys' fees.","start":22.405,"end":28.265,"sentiment":"neutral","sentiment_score":-0.3295916557312012},{"text":"Comes over $6,000 in fees and I'm trying to explain to me why he's trying to tell me, like, I can get life insurance for the same cover for really 70% cheaper, 65% cheaper.","start":29.55,"end":39.809998,"sentiment":"neutral","sentiment_score":-0.2660207544617793},{"text":"And then and it's like, obviously, what I'm making return on my super that I'm giving away about over 60% of it or something just for something that anybody can do, he's trying to tell me.","start":40.03,"end":51.675,"sentiment":"neutral","sentiment_score":-0.30022746779852444},{"text":"So I'm just really concerned thinking of what so that's my first question.","start":53.36,"end":57.039997,"sentiment":"neutral","sentiment_score":-0.11369034963158461},{"text":"So how much money did I actually make last four months besides contributions?","start":57.039997,"end":61.3,"sentiment":"neutral","sentiment_score":-0.015889122652319763}],"sentiment":"neutral","sentiment_score":-0.24249362712725997,"num_words":116,"start":22.405,"end":61.3},{"sentences":[{"text":"Yep.","start":66.88,"end":67.38,"sentiment":"neutral","sentiment_score":0.04825722426176071},{"text":"Yep.","start":69.395004,"end":69.895004,"sentiment":"neutral","sentiment_score":0.05312244221568107},{"text":"Yep.","start":77.795006,"end":78.295006,"sentiment":"neutral","sentiment_score":0.04095233604311943},{"text":"Yep.","start":78.435005,"end":78.595,"sentiment":"neutral","sentiment_score":0.00888216495513916},{"text":"Jamie Kelly.","start":78.595,"end":79.475006,"sentiment":"neutral","sentiment_score":0.008801540359854698}],"sentiment":"neutral","sentiment_score":0.028136208032568295,"num_words":6,"start":66.88,"end":79.475006},{"sentences":[{"text":"77 Clowett Avenue, Rouse Hill, New South Wales 2 155, And 2nd B 877.","start":79.475006,"end":85.24,"sentiment":"neutral","sentiment_score":0.016627432711954628},{"text":"Yep.","start":92.17999,"end":92.579994,"sentiment":"neutral","sentiment_score":0.09142953157424928},{"text":"Great.","start":92.579994,"end":93.079994,"sentiment":"neutral","sentiment_score":0.3244810700416565},{"text":"Yep.","start":98.475006,"end":98.975006,"sentiment":"neutral","sentiment_score":-0.2039279043674469},{"text":"Yep.","start":101.995,"end":102.495,"sentiment":"neutral","sentiment_score":-0.07282837480306625}],"sentiment":"neutral","sentiment_score":0.0206632433562643,"num_words":18,"start":79.475006,"end":102.495},{"sentences":[{"text":"Yes.","start":114.87,"end":115.37,"sentiment":"neutral","sentiment_score":0.14225220680236816},{"text":"Yep.","start":140.065,"end":140.55,"sentiment":"neutral","sentiment_score":0.04480541869997978},{"text":"Okay.","start":160.25499,"end":160.75499,"sentiment":"neutral","sentiment_score":-0.04172293469309807},{"text":"What okay.","start":161.66832,"end":164.815,"sentiment":"neutral","sentiment_score":-0.016238823998719454},{"text":"So half of that more or less.","start":164.815,"end":166.17499,"sentiment":"neutral","sentiment_score":-0.09003920533827373}],"sentiment":"neutral","sentiment_score":-0.04311811621300876,"num_words":12,"start":114.87,"end":166.17499},{"sentences":[{"text":"Because it said two years.","start":166.17499,"end":167.39499,"sentiment":"neutral","sentiment_score":-0.06473954021930695},{"text":"Yep.","start":168.095,"end":168.495,"sentiment":"neutral","sentiment_score":-0.03766895830631256},{"text":"Yep.","start":168.495,"end":168.995,"sentiment":"neutral","sentiment_score":-0.06806623935699463},{"text":"Yep.","start":174.41,"end":174.91,"sentiment":"negative","sentiment_score":-0.3696290850639343},{"text":"Okay.","start":176.89,"end":177.39,"sentiment":"neutral","sentiment_score":0.011317133903503418}],"sentiment":"neutral","sentiment_score":-0.08752720554669698,"num_words":9,"start":166.17499,"end":177.39},{"sentences":[{"text":"Yep.","start":187.555,"end":188.055,"sentiment":"neutral","sentiment_score":0.006928697228431702},{"text":"Yep.","start":202.69,"end":203.19,"sentiment":"neutral","sentiment_score":0.07915669679641724},{"text":"Yep.","start":212.875,"end":213.375,"sentiment":"neutral","sentiment_score":-0.18753862380981445},{"text":"Okay.","start":232.64,"end":233.14,"sentiment":"neutral","sentiment_score":-0.006300337612628937},{"text":"Yep.","start":252.265,"end":252.765,"sentiment":"positive","sentiment_score":0.3622076213359833}],"sentiment":"neutral","sentiment_score":0.050890810787677765,"num_words":5,"start":187.555,"end":252.765},{"sentences":[{"text":"Yep.","start":279.915,"end":280.415,"sentiment":"neutral","sentiment_score":0.04210612177848816},{"text":"Okay.","start":313.22,"end":313.72,"sentiment":"neutral","sentiment_score":0.1529272347688675},{"text":"So so so more or less, you gotta spend money to make money.","start":314.58002,"end":318.26,"sentiment":"neutral","sentiment_score":-0.03744148835539818},{"text":"You gotta sort of sort of say that'll be it would cost me more now to save yourself more later.","start":318.26,"end":324.215,"sentiment":"neutral","sentiment_score":0.008411433547735214},{"text":"So okay.","start":325.155,"end":330.455,"sentiment":"neutral","sentiment_score":0.0791960135102272}],"sentiment":"neutral","sentiment_score":0.00094364070006319,"num_words":37,"start":279.915,"end":330.455},{"sentences":[{"text":"Okay.","start":333.555,"end":334.055,"sentiment":"neutral","sentiment_score":0.08346989005804062},{"text":"Okay.","start":338.37,"end":338.61002,"sentiment":"neutral","sentiment_score":0.1259138584136963},{"text":"So effective so I can more or less minus $1,800 from that $6,000 statement that she printed out when he gave me because that's two years worth of wire.","start":338.61002,"end":347.67,"sentiment":"neutral","sentiment_score":0.2111218903085281},{"text":"And so it still cost me 4,000 and such of dollars or whatever.","start":347.89,"end":351.51,"sentiment":"neutral","sentiment_score":-0.07490632883631267},{"text":"So so what did the how much did the fund actually besides the contributions, how much did I profit or make last four months?","start":351.985,"end":358.485,"sentiment":"neutral","sentiment_score":0.01132296770811081}],"sentiment":"neutral","sentiment_score":0.08279246349325951,"num_words":68,"start":333.555,"end":358.485},{"sentences":[{"text":"Yeah.","start":360.065,"end":360.565,"sentiment":"neutral","sentiment_score":0.029307909309864044},{"text":"Yep.","start":372.37997,"end":372.87997,"sentiment":"neutral","sentiment_score":0.042408864945173264},{"text":"Yep.","start":392.855,"end":393.355,"sentiment":"neutral","sentiment_score":0.2541436553001404},{"text":"Yep.","start":405.28,"end":405.78,"sentiment":"neutral","sentiment_score":0.06654042750597},{"text":"Yep.","start":460.8,"end":461.3,"sentiment":"neutral","sentiment_score":-0.0696222111582756}],"sentiment":"neutral","sentiment_score":0.06455572918057442,"num_words":5,"start":360.065,"end":461.3},{"sentences":[{"text":"Yes.","start":483.845,"end":484.345,"sentiment":"neutral","sentiment_score":0.06807802617549896},{"text":"Yep.","start":522.95,"end":523.45,"sentiment":"neutral","sentiment_score":0.07778213173151016},{"text":"Yep.","start":564.075,"end":564.575,"sentiment":"neutral","sentiment_score":0.0320001021027565},{"text":"Yep.","start":572.97,"end":573.47,"sentiment":"neutral","sentiment_score":0.04339710623025894},{"text":"So you can see my concern, obviously, then when you I've got a $6,500 bill and the gross that I've made actually 7,900.","start":576.49,"end":583.37,"sentiment":"neutral","sentiment_score":-0.09066701494157314}],"sentiment":"neutral","sentiment_score":-0.06904014731170954,"num_words":27,"start":483.845,"end":583.37},{"sentences":[{"text":"Something I've done this all year for what?","start":583.37,"end":585.05,"sentiment":"neutral","sentiment_score":-0.12072239071130753},{"text":"$1,300 profit.","start":585.05,"end":586.25,"sentiment":"neutral","sentiment_score":-0.09603749960660934},{"text":"I'm thinking in my head.","start":586.25,"end":587.37,"sentiment":"neutral","sentiment_score":-0.10775160193443298},{"text":"But getting to the obviously, things are a little bit different, explain stubble insurances or whatever and but Yep.","start":587.37,"end":607.83,"sentiment":"neutral","sentiment_score":-0.06919851222712743},{"text":"Yep.","start":614.805,"end":615.305,"sentiment":"neutral","sentiment_score":0.03511722758412361}],"sentiment":"neutral","sentiment_score":-0.08503618969448976,"num_words":35,"start":583.37,"end":615.305},{"sentences":[{"text":"Yep.","start":620.725,"end":621.225,"sentiment":"neutral","sentiment_score":0.012156601063907146},{"text":"Okay.","start":622.325,"end":622.825,"sentiment":"neutral","sentiment_score":-0.014378421008586884},{"text":"Thank you.","start":632.34,"end":633.0,"sentiment":"positive","sentiment_score":0.34740689396858215},{"text":"Yep.","start":652.555,"end":652.95496,"sentiment":"neutral","sentiment_score":-0.09237100183963776},{"text":"Yep.","start":652.95496,"end":653.435,"sentiment":"neutral","sentiment_score":-0.026474472135305405}],"sentiment":"neutral","sentiment_score":0.09562441566959023,"num_words":6,"start":620.725,"end":653.435},{"sentences":[{"text":"Yep.","start":653.435,"end":653.935,"sentiment":"neutral","sentiment_score":-0.027277659624814987},{"text":"Okay.","start":655.115,"end":655.515,"sentiment":"neutral","sentiment_score":0.0008198544383049011},{"text":"So obviously, we're so what will next year's statement not have insurance fees at all or just have it's fine fine.","start":655.515,"end":662.68,"sentiment":"neutral","sentiment_score":-0.054096294389594166},{"text":"Obviously, by one day, it means that there's double fees.","start":662.68,"end":665.32,"sentiment":"neutral","sentiment_score":-0.17761778980493545},{"text":"But so next year's insurance one will have just one lot of fees again, will it?","start":665.32,"end":669.88,"sentiment":"neutral","sentiment_score":-0.10476402868516743}],"sentiment":"neutral","sentiment_score":-0.09418127233428615,"num_words":49,"start":653.435,"end":669.88},{"sentences":[{"text":"Or yeah.","start":669.88,"end":684.305,"sentiment":"neutral","sentiment_score":-0.05294656753540039},{"text":"Yeah.","start":684.445,"end":684.945,"sentiment":"neutral","sentiment_score":-0.16212910413742063},{"text":"Yeah.","start":694.86,"end":695.36,"sentiment":"neutral","sentiment_score":-0.06210856884717941},{"text":"Yeah.","start":695.5,"end":695.66,"sentiment":"neutral","sentiment_score":-0.04468090459704399},{"text":"Because the average for that's like a thousand $1,200, $1,300, the maximum sort of thing, I thought.","start":695.66,"end":700.365,"sentiment":"neutral","sentiment_score":-0.10185349272454486}],"sentiment":"neutral","sentiment_score":-0.09574186768044125,"num_words":22,"start":669.88,"end":700.365},{"sentences":[{"text":"Of what I'm hoping market and I thought, wow.","start":700.445,"end":702.52496,"sentiment":"neutral","sentiment_score":-0.07787670029534234},{"text":"What's this $3,300?","start":702.52496,"end":704.545,"sentiment":"neutral","sentiment_score":-0.04238585755228996},{"text":"Yeah.","start":705.165,"end":705.665,"sentiment":"neutral","sentiment_score":-0.012480808421969414},{"text":"Yes.","start":720.55,"end":721.05,"sentiment":"neutral","sentiment_score":0.03909425064921379},{"text":"Yep.","start":727.755,"end":728.255,"sentiment":"neutral","sentiment_score":0.04717354103922844}],"sentiment":"neutral","sentiment_score":-0.05028405946989854,"num_words":15,"start":700.445,"end":728.255},{"sentences":[{"text":"Yep.","start":739.275,"end":739.755,"sentiment":"neutral","sentiment_score":0.03303316980600357},{"text":"Okay.","start":739.755,"end":740.255,"sentiment":"neutral","sentiment_score":0.0036615869030356407},{"text":"Gotcha.","start":744.19,"end":744.69,"sentiment":"neutral","sentiment_score":-0.01652923971414566},{"text":"Okay.","start":746.35,"end":746.75,"sentiment":"neutral","sentiment_score":0.006519202142953873},{"text":"Well, so I've paid fees now for this year and all the fees for you guys for the six twelve months.","start":746.75,"end":752.445,"sentiment":"neutral","sentiment_score":-0.08081740850494021}],"sentiment":"neutral","sentiment_score":-0.06681923437863588,"num_words":25,"start":739.275,"end":752.445},{"sentences":[{"text":"So obviously, yeah, before I knew the next financial year or whatever, let's yeah.","start":752.685,"end":758.205,"sentiment":"neutral","sentiment_score":-0.12983487759317672},{"text":"Just let's just hope everything's actually performed.","start":758.205,"end":760.705,"sentiment":"neutral","sentiment_score":-0.10192705956952912},{"text":"And so I've done something, obviously, I don't know if it happened in the world and take care of all the rest of it.","start":762.045,"end":766.045,"sentiment":"neutral","sentiment_score":-0.21823075072218975},{"text":"But yeah.","start":766.045,"end":766.89,"sentiment":"neutral","sentiment_score":-0.1947093978524208},{"text":"But if it's like, well, it's another thousand, $2,000 profit at the end of it all minus all the fees and insurance and everything, it's sort of probably not worth me continuing.","start":766.89,"end":774.33,"sentiment":"negative","sentiment_score":-0.5053350506350398}],"sentiment":"neutral","sentiment_score":-0.3079602042613905,"num_words":79,"start":752.685,"end":774.33},{"sentences":[{"text":"If you know what I mean?","start":774.33,"end":775.21,"sentiment":"negative","sentiment_score":-0.41973510881265},{"text":"Because it's not really yeah.","start":775.21,"end":776.65,"sentiment":"negative","sentiment_score":-0.5312753260135651},{"text":"Not really doing enough.","start":776.65,"end":777.87,"sentiment":"negative","sentiment_score":-0.45846862345933914},{"text":"Yeah.","start":778.97003,"end":779.47003,"sentiment":"neutral","sentiment_score":0.13868814706802368},{"text":"Yep.","start":786.845,"end":787.345,"sentiment":"neutral","sentiment_score":0.19313183426856995}],"sentiment":"negative","sentiment_score":-0.3927553997320287,"num_words":17,"start":774.33,"end":787.345},{"sentences":[{"text":"Yep.","start":787.40497,"end":787.90497,"sentiment":"neutral","sentiment_score":0.10816355794668198},{"text":"Yep.","start":795.96497,"end":796.46497,"sentiment":"neutral","sentiment_score":0.05488792806863785},{"text":"Yep.","start":803.13995,"end":803.63995,"sentiment":"neutral","sentiment_score":0.184520959854126},{"text":"Maybe maybe I think it's yeah.","start":815.435,"end":816.71497,"sentiment":"neutral","sentiment_score":-0.011405525418619314},{"text":"Maybe I think it's better just to hopefully try and settle my concerns and nerves a bit thinking, okay.","start":816.71497,"end":822.795,"sentiment":"neutral","sentiment_score":-0.033825414745431194}],"sentiment":"neutral","sentiment_score":-0.01298369952876653,"num_words":28,"start":787.40497,"end":822.795},{"sentences":[{"text":"I think you guys are here five years and yeah.","start":822.795,"end":825.19495,"sentiment":"neutral","sentiment_score":0.04309570472687483},{"text":"I don't know.","start":825.19495,"end":825.675,"sentiment":"neutral","sentiment_score":-0.0292155413577954},{"text":"Just yeah.","start":825.675,"end":826.665,"sentiment":"neutral","sentiment_score":0.020899469032883644},{"text":"Now six months should be fine.","start":829.4,"end":830.52,"sentiment":"neutral","sentiment_score":0.21132288128137589},{"text":"Just give enough time to try and do something at least.","start":830.52,"end":832.52,"sentiment":"neutral","sentiment_score":0.09983171183954585}],"sentiment":"neutral","sentiment_score":0.08597485872451216,"num_words":32,"start":822.795,"end":832.52},{"sentences":[{"text":"Yeah.","start":832.52,"end":833.02,"sentiment":"neutral","sentiment_score":0.1692696213722229},{"text":"Yep.","start":833.8,"end":834.3,"sentiment":"positive","sentiment_score":0.34471970796585083},{"text":"Yep.","start":846.02496,"end":846.52496,"sentiment":"neutral","sentiment_score":0.051690757274627686},{"text":"Six months.","start":847.785,"end":848.505,"sentiment":"neutral","sentiment_score":0.05761001072824001},{"text":"Yep.","start":848.505,"end":849.005,"sentiment":"neutral","sentiment_score":0.11781392991542816}],"sentiment":"neutral","sentiment_score":0.13311900633076826,"num_words":6,"start":832.52,"end":849.005},{"sentences":[{"text":"Yep.","start":859.55,"end":860.05,"sentiment":"neutral","sentiment_score":0.08551682531833649},{"text":"So so the downside is if things aren't performing, then obviously they're not performing and I'm not getting good returns and sort of waste of time.","start":860.91,"end":869.995,"sentiment":"negative","sentiment_score":-0.33542167538633716},{"text":"But then if I've got to change it, then the fees that'll change it, cost me to change it each time, then absorbs any growth for that next year anyway.","start":869.995,"end":877.675,"sentiment":"neutral","sentiment_score":-0.15263032391667367},{"text":"So it's sort of like a double in the sword, isn't it?","start":877.675,"end":880.07495,"sentiment":"neutral","sentiment_score":-0.2949170221885045},{"text":"Like, it's not performing a change and then you change it, more fees and more fees.","start":880.07495,"end":884.44,"sentiment":"neutral","sentiment_score":-0.051731293176999316}],"sentiment":"neutral","sentiment_score":-0.2068360165802433,"num_words":85,"start":859.55,"end":884.44},{"sentences":[{"text":"So it's like The way you've got invested, isn't there exit fees and isn't there more fees when you enter into a new one?","start":885.94,"end":904.97504,"sentiment":"neutral","sentiment_score":0.14479126672570905},{"text":"Yeah.","start":908.715,"end":909.195,"sentiment":"neutral","sentiment_score":0.05770844966173172},{"text":"Yeah.","start":909.195,"end":909.6,"sentiment":"neutral","sentiment_score":0.08557207882404327},{"text":"Yep.","start":910.8,"end":911.3,"sentiment":"neutral","sentiment_score":0.21390417218208313},{"text":"So you see the way you sort of double ended sword sort of thing.","start":912.31995,"end":915.19995,"sentiment":"neutral","sentiment_score":0.10068778693675995}],"sentiment":"neutral","sentiment_score":0.1278488809560857,"num_words":41,"start":885.94,"end":915.19995},{"sentences":[{"text":"But your your funds not going well, you change it, but then either way, then you're paying twice anyway.","start":915.19995,"end":919.19995,"sentiment":"neutral","sentiment_score":-0.22789420893317774},{"text":"So it's like, where do you ever actually need to sit back and hope it's a miracle that your fund goes well and what you're putting goes well for several years in a row.","start":919.19995,"end":926.195,"sentiment":"neutral","sentiment_score":-0.024624495164436454},{"text":"If not, then it's you're never really gonna make money.","start":926.195,"end":928.535,"sentiment":"negative","sentiment_score":-0.459005680680275},{"text":"Yeah.","start":930.195,"end":930.695,"sentiment":"neutral","sentiment_score":0.043570056557655334},{"text":"Yep.","start":951.94,"end":952.44,"sentiment":"neutral","sentiment_score":0.25023818016052246}],"sentiment":"neutral","sentiment_score":-0.1455918673139352,"num_words":65,"start":915.19995,"end":952.44},{"sentences":[{"text":"Okay.","start":954.82,"end":955.32,"sentiment":"neutral","sentiment_score":0.20712214708328247},{"text":"Yep.","start":985.22504,"end":985.72504,"sentiment":"neutral","sentiment_score":0.15367910265922546},{"text":"Yep.","start":996.745,"end":996.905,"sentiment":"neutral","sentiment_score":0.11790512502193452},{"text":"Yep.","start":996.905,"end":997.385,"sentiment":"neutral","sentiment_score":0.07245595753192902},{"text":"Yep.","start":997.385,"end":997.885,"sentiment":"neutral","sentiment_score":0.03604883700609207}],"sentiment":"neutral","sentiment_score":0.11744223386049271,"num_words":5,"start":954.82,"end":997.885},{"sentences":[{"text":"Yep.","start":1009.79004,"end":1010.29004,"sentiment":"neutral","sentiment_score":0.28172820806503296},{"text":"Yep.","start":1015.82495,"end":1016.14496,"sentiment":"neutral","sentiment_score":0.25945818424224854},{"text":"Okay.","start":1016.14496,"end":1016.545,"sentiment":"neutral","sentiment_score":0.23224857449531555},{"text":"I will give Hub 20 four another six to twelve months.","start":1016.545,"end":1019.105,"sentiment":"neutral","sentiment_score":0.1483819376338612},{"text":"And if there's a dramatic improvement, we'll sort of save.","start":1019.105,"end":1021.90497,"sentiment":"neutral","sentiment_score":0.08077486418187618}],"sentiment":"neutral","sentiment_score":0.13389103844140968,"num_words":24,"start":1009.79004,"end":1021.90497},{"sentences":[{"text":"If it's not, then I'm guessing I won't stay up 24.","start":1021.90497,"end":1024.065,"sentiment":"neutral","sentiment_score":-0.143023858693513},{"text":"It's not really doing what I thought it would do.","start":1024.065,"end":1026.24,"sentiment":"neutral","sentiment_score":-0.125663298740983},{"text":"But yeah.","start":1026.24,"end":1027.42,"sentiment":"neutral","sentiment_score":0.1111660748720169},{"text":"Yep.","start":1035.0,"end":1035.5,"sentiment":"neutral","sentiment_score":0.14651638269424438},{"text":"Yep.","start":1040.615,"end":1041.115,"sentiment":"neutral","sentiment_score":0.07509104907512665}],"sentiment":"neutral","sentiment_score":-0.09543823406100273,"num_words":25,"start":1021.90497,"end":1041.115},{"sentences":[{"text":"No problem.","start":1056.5399,"end":1057.4199,"sentiment":"neutral","sentiment_score":0.04677112400531769},{"text":"Okay.","start":1057.4199,"end":1057.82,"sentiment":"neutral","sentiment_score":0.14579960703849792},{"text":"Well, thanks a lot for the call.","start":1057.82,"end":1058.94,"sentiment":"positive","sentiment_score":0.5166380022253309},{"text":"That well, they'll give me peace of mind for the next six months, and I'm a we'll do this catch up.","start":1058.94,"end":1063.84,"sentiment":"neutral","sentiment_score":0.05269276945009118},{"text":"Okay.","start":1071.355,"end":1071.6749,"sentiment":"positive","sentiment_score":0.4731742739677429}],"sentiment":"neutral","sentiment_score":0.16986032197019085,"num_words":32,"start":1056.5399,"end":1071.6749},{"sentences":[{"text":"Great.","start":1071.6749,"end":1071.995,"sentiment":"positive","sentiment_score":0.8316004276275635},{"text":"You have a good day.","start":1071.995,"end":1072.975,"sentiment":"positive","sentiment_score":0.7371855854988099},{"text":"Okay.","start":1074.395,"end":1074.715,"sentiment":"neutral","sentiment_score":0.12501823902130127},{"text":"Bye.","start":1074.715,"end":1075.115,"sentiment":"neutral","sentiment_score":0.19367550313472748},{"text":"See you.","start":1075.115,"end":1075.855,"sentiment":"neutral","sentiment_score":0.26432156562805176}],"sentiment":"positive","sentiment_score":0.5364865228533745,"num_words":10,"start":1071.6749,"end":1075.855}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. How are you going?\n\nChannel 0: Yeah. Good. Is this Jamie?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: Yeah. Not too bad. Just I'm even more worse at the moment, but I can try and find quite sort of talk whatever and talk to you.\n\nChannel 0: Yeah. No worries. Sorry,\n\nChannel 1: Yeah. Just\n\nChannel 0: Jamie.\n\nChannel 1: in regards to yeah. I have my account and I've done my tax and everything, and then you're sort of horrified when I showed him. I was talking about how I paid over $6,000 this year just for my life insurance and your guys' fees. Comes over $6,000 in fees and I'm trying to explain to me why he's trying to tell me, like, I can get life insurance for the same cover for really 70% cheaper, 65% cheaper. And then and it's like, obviously, what I'm making return on my super that I'm giving away about over 60% of it or something just for something that anybody can do, he's trying to tell me.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: So I'm just really\n\nChannel 0: I\n\nChannel 1: concerned\n\nChannel 0: was\n\nChannel 1: thinking of what\n\nChannel 0: of course.\n\nChannel 1: so that's my first question. So how much money did I actually make last four months besides contributions?\n\nChannel 0: Perfect. Let let me have a look at it for you. Now before I do go any further, Jamie, I do need\n\nChannel 1: Yep.\n\nChannel 0: to just pass you through security\n\nChannel 1: Yep.\n\nChannel 0: just to make sure I am speaking with the the right person. Now could you just confirm your full name, date of birth, and address for me,\n\nChannel 1: Yep.\n\nChannel 0: please?\n\nChannel 1: Yep. Jamie Kelly. 77 Clowett Avenue, Rouse Hill, New South Wales 2\n\nChannel 0: Yes.\n\nChannel 1: 155, And 2nd B 877.\n\nChannel 0: Beautiful. And I do also need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. Great.\n\nChannel 0: Yep. Perfect. Now, obviously, I do understand if that's causing hearing that from\n\nChannel 1: Yep.\n\nChannel 0: your accountant would obviously cause a bit of concern. Now\n\nChannel 1: Yep.\n\nChannel 0: I do want to let you know as well that I've just looked at the fee statement that my colleague obviously sent you, which is the one that you went through with your accountant for the last financial year, essentially.\n\nChannel 1: Yes.\n\nChannel 0: And with the insurances, because they do get taken out, obviously, not on the weekend or the day that they do full is that in that one transaction, it shows that your insurances is way more than what you actually paid because of the time. So the time of the report was the first of the seventh twenty twenty five to\n\nChannel 1: Yep.\n\nChannel 0: the thirtieth of the June twenty twenty six. So even though it is just, like, a day difference when the insurance premium actually came out, that's why it shows it. So if you actually go through your full transaction, your insurances you do not pay 3,339 for your insurances. You\n\nChannel 1: Okay.\n\nChannel 0: only pay 1\n\nChannel 1: What\n\nChannel 0: thousand 870 8.\n\nChannel 1: okay. So half of that more or less. Because it said two\n\nChannel 0: Exactly.\n\nChannel 1: years.\n\nChannel 0: So,\n\nChannel 1: Yep. Yep.\n\nChannel 0: yes, that's obviously I could then understand why he's like, oh, well, that's you know, it can be expensive, but that\n\nChannel 1: Yep.\n\nChannel 0: is not what you pay. Now\n\nChannel 1: Okay.\n\nChannel 0: I do I do want to go through as well. So do you remember we spoke and went through new advice in\n\nChannel 1: Yep.\n\nChannel 0: May? Brief. Yes. So during that because, obviously, it hasn't been very long since May. Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment\n\nChannel 1: Yep.\n\nChannel 0: to reduce the fees primarily. So it was primarily focusing on reducing fees for you as well as improving those returns. Because in the\n\nChannel 1: Yep.\n\nChannel 0: last twelve months, we obviously had some underperformance with some of the investment. We then obviously led through the whole change in your strategy. So what you have paid last year won't be the same for this year as was kind of outlined in that statement of advice for you. And\n\nChannel 1: Okay.\n\nChannel 0: if you recall let me see if I can get it up exactly. Because we did change some of their investments, so some was a little bit more expensive, which I wanted to focus on reducing the fee for you. So when we went through it, and I'm more than happy to email this to you again if you don't have a copy,\n\nChannel 1: Yep.\n\nChannel 0: is that the recommendation saw a total cost saving. So this is literally just from your, like, investments of about $615 per year. So that obviously does reduce the investment fees pretty substantially because we did recommend to move to slightly cheaper investment option, not\n\nChannel 1: Yep.\n\nChannel 0: to the detriment of the returns, though, because returns are still outperforming your old portfolio. So that was kind of what we did back in May. So, obviously, for the next or, basically, from now to your next annual review or the next six months, if you wanna do another catch up and reassess where everything's at, it will obviously see see things for this financial year, fees being reduced because we have recently just made those changes for you as well as the returns moving forward because, again, we have just made those changes for you.\n\nChannel 1: Okay.\n\nChannel 0: Does\n\nChannel 1: So\n\nChannel 0: that make sense?\n\nChannel 1: so so more or less, you gotta spend money to make money. You gotta sort of sort of say that'll be\n\nChannel 0: Well,\n\nChannel 1: it would\n\nChannel 0: basically,\n\nChannel 1: cost me more now to save yourself more later.\n\nChannel 0: not necessarily\n\nChannel 1: So\n\nChannel 0: cost you more because we've reduced the fees. So you are paying less in\n\nChannel 1: okay.\n\nChannel 0: fees, but the returns are better. So you're actually\n\nChannel 1: Okay.\n\nChannel 0: paying less and getting more than the opposite.\n\nChannel 1: Okay. So effective so I can more or less minus $1,800 from that $6,000 statement that she printed out when he gave me because\n\nChannel 0: Directly.\n\nChannel 1: that's two years\n\nChannel 0: Yes.\n\nChannel 1: worth of wire. And so it still cost me 4,000 and such of dollars or whatever. So so what did the how much did the fund actually besides the contributions, how much did I profit or make last four months?\n\nChannel 0: Last twelve months, let me have\n\nChannel 1: Yeah.\n\nChannel 0: a look for you. Now like I said, Jamie, we have already made changes, obviously. So when you look at us, so you said the 6,423, the total fees,\n\nChannel 1: Yep.\n\nChannel 0: that was if we did not make any changes. But we have obviously made those changes for you. So the investment fee so for the next twelve months, the investment fees will be lower because we've already reduced them. So aside from, obviously, you not paying 3,393 for insurances,\n\nChannel 1: Yep.\n\nChannel 0: their portfolio service fee will also be reduced because we have moved you to slightly cheaper investment. But I will go into account now and answer your question for what it was last year.\n\nChannel 1: Yep.\n\nChannel 0: And let me see here. Let me just pull this report for you. Just bear with me. The system's a little bit slower. And I'm more than happy to email you this as well so that you have it.\n\nSo the last twelve months now your report looks a bit messy because, like I said, in May, we made the changes. So you will have all the buys and sells and the changes of the investment because that occurred, obviously, during this time period, and it's very recent.\n\nChannel 1: Yep.\n\nChannel 0: So in and that was also, obviously, why we wanted to move you out of some of those investments that was not performing as well. So let me see here. Now when I pull a report, let me see. It's just a twelve twelve months, did you say?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Alright. Perfect. Just loading at the moment. Alright.\n\nSo on the 07/22/2025, your super balance was at a 176,673.\n\nChannel 1: Yep.\n\nChannel 0: Now the end of the period, so the 07/21/2026, it's at a 199,406. Now of that, the report shows you what was from basically growth in periods of growth in your investment as well as income. So let me just add this up for you. So the income derived directly from your investment, so that's not your contribution, was 4,738. And then growth of your investments, which again is not to do with your contributions, was 2,000\n\nChannel 1: Yep.\n\nChannel 0: 359. That equates through 7098. Now let\n\nChannel 1: Yep.\n\nChannel 0: me see. Six\n\nChannel 1: So you can see my\n\nChannel 0: seven.\n\nChannel 1: concern, obviously, then when you I've got a $6,500 bill and the gross that I've made actually 7,900. Something I've done this all year for what? $1,300 profit. I'm thinking in my head. But getting to the obviously, things are a little bit different, explain stubble insurances or whatever and\n\nChannel 0: Yes.\n\nChannel 1: but\n\nChannel 0: And I I do I do really see that, and that is why we did advise for you three months ago. True exactly fits that. Because, obviously, markets do change all the time. And\n\nChannel 1: Yep.\n\nChannel 0: when something is underperforming, You don't always want to sell, obviously, if things are done if you could see it come back around.\n\nChannel 1: Yep.\n\nChannel 0: But that is why we did advise in May for you to\n\nChannel 1: Yep.\n\nChannel 0: change it, which is what\n\nChannel 1: Okay.\n\nChannel 0: was my concern at the time. So if we hadn't changed anything for you, then, yes, very much so. It's like, okay. Well, you know,\n\nChannel 1: Thank you.\n\nChannel 0: I understand, obviously, the concerns in regards to the fees, and if the investments aren't necessarily performing. A lot of it was still doing good, but that Benelon one was the one that was primarily underperforming, and you had quite a bit in it at the time. You do no longer have that in it because in the advice that we went through in May,\n\nChannel 1: Yep. Yep.\n\nChannel 0: we\n\nChannel 1: Yep.\n\nChannel 0: changed things for you. So\n\nChannel 1: Okay. So obviously, we're so what will next year's statement not have insurance fees at all or just have it's fine fine. Obviously, by one day, it means that there's double fees. But so next year's insurance one will have just one lot of fees again, will it? Or\n\nChannel 0: Correct. Or we can make sure we pull the dates exactly to show you. So because I went through all the transactions because when I saw it because I had to look at it earlier this morning, and I was like, hang on a minute.\n\nChannel 1: yeah.\n\nChannel 0: You don't\n\nChannel 1: Yeah.\n\nChannel 0: pay 3,000 in fees for insurances. Because I know we spoke not long ago, and we did full research. I was like, you do not pay 3,300 in fees of what is happening\n\nChannel 1: Yeah.\n\nChannel 0: here.\n\nChannel 1: Yeah. Because the average for that's like a thousand $1,200, $1,300, the maximum sort of thing, I thought. Of what I'm hoping market and I thought, wow. What's this $3,300? Yeah.\n\nChannel 0: Exactly. No. You are not. Sorry. Because that's why I was like, hang on a minute.\n\nAnd then I went through their transactions of your, like, your individual transactions. I went through all the different dates in the last twelve months to see what actually happened.\n\nChannel 1: Yes.\n\nChannel 0: And I can see that your Zurich insurance came out the 06/01/2026,\n\nChannel 1: Yep.\n\nChannel 0: and that was at 1,878. And then the one last year didn't come out on the June 30. It came out on the July 4.\n\nChannel 1: Yep.\n\nChannel 0: So it's\n\nChannel 1: Okay.\n\nChannel 0: slightly later, which is why it's showing up twice in\n\nChannel 1: Gotcha.\n\nChannel 0: that statement for you.\n\nChannel 1: Okay. Well, so I've paid fees now for this year and all the fees for you guys for the six twelve months. So obviously, yeah, before I knew the next financial year or whatever, let's\n\nChannel 0: Yep.\n\nChannel 1: yeah. Just let's just hope everything's actually performed. And so I've done something, obviously, I don't\n\nChannel 0: Better.\n\nChannel 1: know if it happened in the\n\nChannel 0: Yeah.\n\nChannel 1: world and take care of all the rest of it.\n\nChannel 0: Yes.\n\nChannel 1: But yeah. But if it's\n\nChannel 0: And\n\nChannel 1: like, well, it's another thousand, $2,000 profit at the end of it all minus all the fees and insurance and everything, it's sort of probably not worth me continuing. If you know what I mean?\n\nChannel 0: And I\n\nChannel 1: Because it's\n\nChannel 0: totally\n\nChannel 1: not really\n\nChannel 0: understand\n\nChannel 1: yeah.\n\nChannel 0: that.\n\nChannel 1: Not really doing\n\nChannel 0: Totally.\n\nChannel 1: enough.\n\nChannel 0: Yep. And\n\nChannel 1: Yeah.\n\nChannel 0: at the end of the day, the choice is completely yours. We are here just through, you know, assist everything for you moving forward.\n\nChannel 1: Yep.\n\nChannel 0: And also\n\nChannel 1: Yep.\n\nChannel 0: know, Jamie, that with our fee structure, you don't pay an annual fee. It comes out deducted monthly for you. So\n\nChannel 1: Yep.\n\nChannel 0: it's not like you have to commit to a full twelve month. Obviously, we've just done advice, and we've just made the changes. So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, you will see some fees being reduced. But even if, let's say would you prefer a little bit more frequent catch up to see how things are going? Like, do you want one in, like, six months? Like,\n\nChannel 1: Maybe\n\nChannel 0: a bit\n\nChannel 1: maybe\n\nChannel 0: more?\n\nChannel 1: I think it's yeah. Maybe I think it's better just to hopefully try\n\nChannel 0: Yeah.\n\nChannel 1: and settle my concerns and nerves a bit thinking,\n\nChannel 0: Yeah.\n\nChannel 1: okay. I think you guys are here five years and yeah. I\n\nChannel 0: Or\n\nChannel 1: don't know.\n\nChannel 0: do\n\nChannel 1: Just\n\nChannel 0: you want\n\nChannel 1: yeah.\n\nChannel 0: do you want quarterly? Because we can do whatever you want.\n\nChannel 1: Now six months should be fine. Just give\n\nChannel 0: Six\n\nChannel 1: enough\n\nChannel 0: months?\n\nChannel 1: time to try and do something at least. Yeah.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Alright. I will put a reminder here for you in six months, but if you want to talk earlier, just call. Just send an email or call. It doesn't have to be.\n\nBut if we don't if I don't hear from you,\n\nChannel 1: Yep.\n\nChannel 0: I will put a reminder in six months,\n\nChannel 1: Six\n\nChannel 0: and\n\nChannel 1: months.\n\nChannel 0: we can\n\nChannel 1: Yep.\n\nChannel 0: go through a bit of a kind of mini review, go through, okay, what's your investments done, which is, like you said, that's given us a little bit of time for those investments and see how everything's going.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: So\n\nChannel 0: also, obviously, reassess everything for you.\n\nChannel 1: so the downside is if things aren't performing, then obviously they're not performing and I'm not getting good returns and sort of waste of time. But then if I've got to change it, then the fees that'll change it, cost me to change it each time, then absorbs any growth for that next year anyway. So it's sort of like a double in the sword, isn't it? Like, it's not performing a change and then you change it, more fees and more fees.\n\nChannel 0: Yes\n\nChannel 1: So it's\n\nChannel 0: and\n\nChannel 1: like\n\nChannel 0: no. If we if we change investment, that we don't charge any extra fees to change it. That is all part of the standard fee. So when we did oversee advice for you and me, there was no additional fees and charges for for you\n\nChannel 1: The way\n\nChannel 0: for\n\nChannel 1: you've\n\nChannel 0: us\n\nChannel 1: got invested,\n\nChannel 0: to do that.\n\nChannel 1: isn't there exit fees and isn't there more fees when you enter into a new one?\n\nChannel 0: Correct. So there will be brokerage fee when you make transactions, which obviously\n\nChannel 1: Yeah.\n\nChannel 0: we faxed\n\nChannel 1: Yeah.\n\nChannel 0: it into the advice. So\n\nChannel 1: Yep.\n\nChannel 0: that is correct. You will\n\nChannel 1: So\n\nChannel 0: also\n\nChannel 1: you see\n\nChannel 0: have\n\nChannel 1: the way\n\nChannel 0: potential\n\nChannel 1: you sort of double\n\nChannel 0: capital\n\nChannel 1: ended sword\n\nChannel 0: gains.\n\nChannel 1: sort of thing. But your your funds not going well, you change\n\nChannel 0: Yeah.\n\nChannel 1: it, but then either way, then you're paying twice anyway. So it's like, where do you ever actually need\n\nChannel 0: Yeah.\n\nChannel 1: to sit back and hope it's a miracle that your fund goes well and what you're putting goes well for several years\n\nChannel 0: Yeah.\n\nChannel 1: in a row. If not, then it's you're never really gonna make money.\n\nChannel 0: Yeah. And I\n\nChannel 1: Yeah.\n\nChannel 0: get it. And that's also why, you know, when we did change the investments and why we do obviously factor in all of that. Because like you said, we do not wanna day trade your investment. That's not what you do. And also all the fees.\n\nYou know? So you wanna make sure you invest in good solid investments that, yes, at time of the market, depending on what is happening, may fluctuate a little bit, but are good\n\nChannel 1: Yep.\n\nChannel 0: solid investments long term. And the\n\nChannel 1: Okay.\n\nChannel 0: investments that we did change for you just because you don't wanna have to do that. Now like you said, obviously, if there is another COVID or, obviously, with the war, like, if there's another major thing, you might wanna look at changing something. But part of the research that we do is factoring in all of that for you of, okay. Well, what are the total fees associated with the change? Is it worth making the change, and how are things looking from a fees and the return point of view?\n\nChannel 1: Yep.\n\nChannel 0: And at the end of the day, there is absolutely nothing holding us to hub twenty four when we do the research. And when I did do the research for you back in May, we also look at other low cost options\n\nChannel 1: Yep.\n\nChannel 0: where\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: don't have the same kind of option with investment of looking, okay. Well, if you are in something that as a platform, a super fund is a little bit cheaper, can you achieve the same returns? And if you\n\nChannel 1: Yep.\n\nChannel 0: can, then that's what I would have recommended for you, and that's what we recommend. Like, there's nothing tying us to anything. We're\n\nChannel 1: Yep.\n\nChannel 0: completely\n\nChannel 1: Okay.\n\nChannel 0: independent\n\nChannel 1: I will give Hub 20\n\nChannel 0: of that.\n\nChannel 1: four another six to twelve months. And\n\nChannel 0: Then\n\nChannel 1: if\n\nChannel 0: we\n\nChannel 1: there's\n\nChannel 0: can\n\nChannel 1: a dramatic\n\nChannel 0: reassess.\n\nChannel 1: improvement, we'll sort of save. If it's not, then I'm\n\nChannel 0: Yep.\n\nChannel 1: guessing I won't stay up 24. It's not really doing what I thought it\n\nChannel 0: Yeah.\n\nChannel 1: would do. But\n\nChannel 0: And that\n\nChannel 1: yeah.\n\nChannel 0: is completely your choice at the end of the day, Jamie. It's completely up to you. Like I said, I will put a reminder here for a six month catch\n\nChannel 1: Yep.\n\nChannel 0: up. But if you have any concerns or there's anything else you if you wanna talk sooner, just give me\n\nChannel 1: Yep.\n\nChannel 0: a call or send me an email. Otherwise, if I don't hear from you, six months will go through everything. And then you can obviously give it a bit more time, and then you can decide if you are happy with the way things are looking or whether you feel it's not your what's for you at the\n\nChannel 1: No\n\nChannel 0: end of the day.\n\nChannel 1: problem. Okay. Well,\n\nChannel 0: Yeah.\n\nChannel 1: thanks a lot for the call. That well, they'll give me\n\nChannel 0: No.\n\nChannel 1: peace of mind for the next six\n\nChannel 0: So\n\nChannel 1: months, and\n\nChannel 0: yeah.\n\nChannel 1: I'm a we'll do this catch up.\n\nChannel 0: Yeah. Beautiful. Me too. Like I said, I'm always here if you have any questions or concerns or anything, but, otherwise, I will touch base in about six months.\n\nChannel 1: Okay. Great. You have a good day.\n\nChannel 0: Mhmm. You too, Jamie. We'll speak\n\nChannel 1: Okay.\n\nChannel 0: soon.\n\nChannel 1: Bye. See you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.21628589928150177},{"text":"How are you going?","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.26672353222966194}],"sentiment":"neutral","sentiment_score":0.2566360056400299,"channel":1,"num_words":5,"start":0.24,"end":1.22},{"sentences":[{"text":"Yeah.","start":1.76,"end":2.0,"sentiment":"neutral","sentiment_score":0.27985185384750366},{"text":"Good.","start":2.0,"end":2.24,"sentiment":"positive","sentiment_score":0.4595820903778076},{"text":"Is this 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yeah.","start":17.365,"end":18.205002,"sentiment":"neutral","sentiment_score":-0.0819989051669836},{"text":"I have my account and I've done my tax and everything, and then you're sort of horrified when I showed him.","start":18.205002,"end":22.405,"sentiment":"neutral","sentiment_score":-0.3201456836291722},{"text":"I was talking about how I paid over $6,000 this year just for my life insurance and your guys' fees.","start":22.405,"end":28.265,"sentiment":"neutral","sentiment_score":-0.3295916557312012},{"text":"Comes over $6,000 in fees and I'm trying to explain to me why he's trying to tell me, like, I can get life insurance for the same cover for really 70% cheaper, 65% cheaper.","start":29.55,"end":39.809998,"sentiment":"neutral","sentiment_score":-0.2660207544617793},{"text":"And then and it's like, obviously, what I'm making return on my super that I'm giving away about over 60% of it or something just for something that anybody can do, he's trying to tell 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speaking with the the right person.","start":69.515,"end":72.495,"sentiment":"neutral","sentiment_score":0.05814505026986202},{"text":"Now could you just confirm your full name, date of birth, and address for 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when we went through it, and I'm more than happy to email this to you again if you don't have a copy,","start":247.08,"end":252.14,"sentiment":"positive","sentiment_score":0.5182005141092383}],"sentiment":"neutral","sentiment_score":0.16671259355332171,"channel":0,"num_words":63,"start":233.26501,"end":252.14},{"sentences":[{"text":"Yep.","start":252.265,"end":252.765,"sentiment":"positive","sentiment_score":0.3622076213359833}],"sentiment":"positive","sentiment_score":0.3622076213359833,"channel":1,"num_words":1,"start":252.265,"end":252.765},{"sentences":[{"text":"is that the recommendation saw a total cost saving.","start":254.08499,"end":261.945,"sentiment":"positive","sentiment_score":0.42765359746085274},{"text":"So this is literally just from your, like, investments of about $615 per year.","start":262.405,"end":268.76,"sentiment":"positive","sentiment_score":0.3742761143616268},{"text":"So that obviously does reduce the investment fees pretty substantially because we did recommend to move to slightly cheaper investment option, not","start":269.06,"end":280.155,"sentiment":"positive","sentiment_score":0.3426088345321742}],"sentiment":"positive","sentiment_score":0.3694698297315174,"channel":0,"num_words":45,"start":254.08499,"end":280.155},{"sentences":[{"text":"Yep.","start":279.915,"end":280.415,"sentiment":"neutral","sentiment_score":0.04210612177848816}],"sentiment":"neutral","sentiment_score":0.04210612177848816,"channel":1,"num_words":1,"start":279.915,"end":280.415},{"sentences":[{"text":"to the detriment of the returns, though, because returns are still outperforming your old portfolio.","start":280.155,"end":284.815,"sentiment":"neutral","sentiment_score":-0.09623761077721914},{"text":"So that was kind of what we did back in May.","start":285.835,"end":289.275,"sentiment":"neutral","sentiment_score":0.11356741054491563},{"text":"So, obviously, for the next or, basically, from now to your next annual review or the next six months, if you wanna 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because","start":338.61002,"end":345.57,"sentiment":"neutral","sentiment_score":0.2515911680200826}],"sentiment":"neutral","sentiment_score":0.2463546134531498,"channel":1,"num_words":24,"start":338.37,"end":345.57},{"sentences":[{"text":"Directly.","start":345.56,"end":346.06,"sentiment":"neutral","sentiment_score":0.15325626730918884}],"sentiment":"neutral","sentiment_score":0.15325626730918884,"channel":0,"num_words":1,"start":345.56,"end":346.06},{"sentences":[{"text":"that's two years","start":345.57,"end":346.55002,"sentiment":"neutral","sentiment_score":0.08342915276686351}],"sentiment":"neutral","sentiment_score":0.08342915276686351,"channel":1,"num_words":3,"start":345.57,"end":346.55002},{"sentences":[{"text":"Yes.","start":346.28,"end":346.78,"sentiment":"neutral","sentiment_score":0.07534338533878326}],"sentiment":"neutral","sentiment_score":0.07534338533878326,"channel":0,"num_words":1,"start":346.28,"end":346.78},{"sentences":[{"text":"worth of wire.","start":346.77002,"end":347.67,"sentiment":"neutral","sentiment_score":0.028550165394941967},{"text":"And so it still cost me 4,000 and such of dollars or whatever.","start":347.89,"end":351.51,"sentiment":"neutral","sentiment_score":-0.07490632883631267},{"text":"So so what did the how much did the fund actually besides the contributions, how much did I profit or make last four months?","start":351.985,"end":358.485,"sentiment":"neutral","sentiment_score":0.01132296770811081}],"sentiment":"neutral","sentiment_score":-0.015409513842314482,"channel":1,"num_words":40,"start":346.77002,"end":358.485},{"sentences":[{"text":"Last twelve months, let me have","start":358.855,"end":360.215,"sentiment":"neutral","sentiment_score":0.0012512393295764923}],"sentiment":"neutral","sentiment_score":0.0012512393295764923,"channel":0,"num_words":6,"start":358.855,"end":360.215},{"sentences":[{"text":"Yeah.","start":360.065,"end":360.565,"sentiment":"neutral","sentiment_score":0.029307909309864044}],"sentiment":"neutral","sentiment_score":0.029307909309864044,"channel":1,"num_words":1,"start":360.065,"end":360.565},{"sentences":[{"text":"a look for you.","start":360.215,"end":361.095,"sentiment":"neutral","sentiment_score":0.048079860396683216},{"text":"Now like I said, Jamie, we have already made changes, obviously.","start":361.095,"end":366.075,"sentiment":"neutral","sentiment_score":0.0734879503195936},{"text":"So when you look at us, so you said the 6,423, the total 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than happy to email you this as well so that you have it.","start":439.865,"end":443.725,"sentiment":"neutral","sentiment_score":0.3053317703306675}],"sentiment":"neutral","sentiment_score":0.11651614193732922,"channel":0,"num_words":39,"start":406.78,"end":443.725},{"sentences":[{"text":"So the last twelve months now your report looks a bit messy because, like I said, in May, we made the changes.","start":445.305,"end":452.45,"sentiment":"neutral","sentiment_score":-0.18140962211923164},{"text":"So you will have all the buys and sells and the changes of the investment because that occurred, obviously, during this time period, and it's very 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months, did you say?","start":480.34,"end":483.47998,"sentiment":"neutral","sentiment_score":-0.002572018342713515}],"sentiment":"neutral","sentiment_score":-0.08613288544196014,"channel":0,"num_words":48,"start":461.14502,"end":483.47998},{"sentences":[{"text":"Yes.","start":483.845,"end":484.345,"sentiment":"neutral","sentiment_score":0.06807802617549896}],"sentiment":"neutral","sentiment_score":0.06807802617549896,"channel":1,"num_words":1,"start":483.845,"end":484.345},{"sentences":[{"text":"Yep.","start":484.97998,"end":485.3,"sentiment":"neutral","sentiment_score":0.10581666231155396},{"text":"Alright.","start":485.3,"end":485.78,"sentiment":"neutral","sentiment_score":0.2720443606376648},{"text":"Perfect.","start":485.78,"end":486.28,"sentiment":"positive","sentiment_score":0.43341004848480225},{"text":"Just loading at the 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three months ago.","start":593.1,"end":600.61505,"sentiment":"neutral","sentiment_score":0.1855123204489549},{"text":"True exactly fits that.","start":600.91504,"end":603.41504,"sentiment":"neutral","sentiment_score":0.24371550232172012},{"text":"Because, obviously, markets do change all the time.","start":603.715,"end":606.695,"sentiment":"neutral","sentiment_score":-0.034478344954550266},{"text":"And","start":607.23505,"end":607.635,"sentiment":"neutral","sentiment_score":-0.022011052817106247}],"sentiment":"neutral","sentiment_score":0.1344936154782772,"channel":0,"num_words":34,"start":593.1,"end":607.635},{"sentences":[{"text":"Yep.","start":607.33,"end":607.83,"sentiment":"neutral","sentiment_score":-0.03286950662732124}],"sentiment":"neutral","sentiment_score":-0.03286950662732124,"channel":1,"num_words":1,"start":607.33,"end":607.83},{"sentences":[{"text":"when something is underperforming, You don't always want to sell, obviously, if things are done if you could see it come 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call.","start":1057.98,"end":1058.94,"sentiment":"positive","sentiment_score":0.5709345092376074},{"text":"That well, they'll give me","start":1058.94,"end":1060.5599,"sentiment":"neutral","sentiment_score":0.04312778450548649}],"sentiment":"neutral","sentiment_score":0.33102236163209786,"channel":1,"num_words":11,"start":1057.98,"end":1060.5599},{"sentences":[{"text":"No.","start":1060.115,"end":1060.615,"sentiment":"neutral","sentiment_score":-0.07855812460184097}],"sentiment":"neutral","sentiment_score":-0.07855812460184097,"channel":0,"num_words":1,"start":1060.115,"end":1060.615},{"sentences":[{"text":"peace of mind for the next six","start":1060.7,"end":1061.82,"sentiment":"neutral","sentiment_score":0.015600426920822688}],"sentiment":"neutral","sentiment_score":0.015600426920822688,"channel":1,"num_words":7,"start":1060.7,"end":1061.82},{"sentences":[{"text":"So","start":1061.795,"end":1061.9551,"sentiment":"neutral","sentiment_score":0.005994327366352081}],"sentiment":"neutral","sentiment_score":0.005994327366352081,"channel":0,"num_words":1,"start":1061.795,"end":1061.9551},{"sentences":[{"text":"months, and","start":1061.82,"end":1062.22,"sentiment":"neutral","sentiment_score":0.023994475603103638}],"sentiment":"neutral","sentiment_score":0.023994475603103638,"channel":1,"num_words":2,"start":1061.82,"end":1062.22},{"sentences":[{"text":"yeah.","start":1062.2051,"end":1062.7051,"sentiment":"neutral","sentiment_score":0.05292559415102005}],"sentiment":"neutral","sentiment_score":0.05292559415102005,"channel":0,"num_words":1,"start":1062.2051,"end":1062.7051},{"sentences":[{"text":"I'm a we'll do this catch up.","start":1062.22,"end":1063.84,"sentiment":"neutral","sentiment_score":0.10481675661035947}],"sentiment":"neutral","sentiment_score":0.10481675661035947,"channel":1,"num_words":7,"start":1062.22,"end":1063.84},{"sentences":[{"text":"Yeah.","start":1063.7999,"end":1064.12,"sentiment":"neutral","sentiment_score":0.31531184911727905},{"text":"Beautiful.","start":1064.12,"end":1064.62,"sentiment":"positive","sentiment_score":0.7096282839775085},{"text":"Me too.","start":1064.6799,"end":1065.08,"sentiment":"positive","sentiment_score":0.47583048045635223},{"text":"Like I said, I'm always here if you have any questions or concerns or anything, but, otherwise, I will touch base in about six months.","start":1065.08,"end":1071.1799,"sentiment":"neutral","sentiment_score":0.23183894515037537}],"sentiment":"neutral","sentiment_score":0.26801981802644403,"channel":0,"num_words":29,"start":1063.7999,"end":1071.1799},{"sentences":[{"text":"Okay.","start":1071.355,"end":1071.6749,"sentiment":"positive","sentiment_score":0.4731742739677429},{"text":"Great.","start":1071.6749,"end":1071.995,"sentiment":"positive","sentiment_score":0.8316004276275635},{"text":"You have a good day.","start":1071.995,"end":1072.975,"sentiment":"positive","sentiment_score":0.7371855854988099}],"sentiment":"positive","sentiment_score":0.7129575184413365,"channel":1,"num_words":7,"start":1071.355,"end":1072.975},{"sentences":[{"text":"Mhmm.","start":1072.9199,"end":1073.1599,"sentiment":"neutral","sentiment_score":0.191832572221756},{"text":"You too, Jamie.","start":1073.1599,"end":1073.96,"sentiment":"neutral","sentiment_score":0.2798776626586914},{"text":"We'll speak","start":1073.96,"end":1074.44,"sentiment":"neutral","sentiment_score":0.21240147948265076}],"sentiment":"neutral","sentiment_score":0.24271141986052194,"channel":0,"num_words":6,"start":1072.9199,"end":1074.44},{"sentences":[{"text":"Okay.","start":1074.395,"end":1074.715,"sentiment":"neutral","sentiment_score":0.12501823902130127}],"sentiment":"neutral","sentiment_score":0.12501823902130127,"channel":1,"num_words":1,"start":1074.395,"end":1074.715},{"sentences":[{"text":"soon.","start":1074.44,"end":1074.94,"sentiment":"neutral","sentiment_score":0.17969661951065063}],"sentiment":"neutral","sentiment_score":0.17969661951065063,"channel":0,"num_words":1,"start":1074.44,"end":1074.94},{"sentences":[{"text":"Bye.","start":1074.715,"end":1075.115,"sentiment":"neutral","sentiment_score":0.19367550313472748},{"text":"See you.","start":1075.115,"end":1075.855,"sentiment":"neutral","sentiment_score":0.26432156562805176}],"sentiment":"neutral","sentiment_score":0.240772878130277,"channel":1,"num_words":3,"start":1074.715,"end":1075.855},{"sentences":[{"text":"Bye.","start":1075.48,"end":1075.98,"sentiment":"neutral","sentiment_score":-0.09649538993835448}],"sentiment":"neutral","sentiment_score":-0.09649538993835448,"channel":0,"num_words":1,"start":1075.48,"end":1075.98}]},"summary":{"result":"success","short":"A customer named Jamie is concerned about fees charged by their insurance company, which is increasing due to changes made to their investment strategy. The agent explains that the investment fee will be reduced due to the reduction in fees and that the customer's investment portfolio is not performing as well. The agent reassures the customer that they will assist with their fee structure and emphasizes the importance of factoring in all fees and returns when making changes. They also discuss the possibility of changing fees and investment decisions, and the importance of factoring in all fees and returns when making changes."},"intents":{"segments":[{"text":"So during that because, obviously, it hasn't been very long since May. Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment Yep. to reduce the fees primarily. So it was primarily focusing on reducing fees for you as well as improving those returns.","start_word":562,"end_word":616,"intents":[{"intent":"Adjusting risk","confidence_score":0.0000028076367}]},{"text":"So during that because, obviously, it hasn't been very long since May. Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment Yep. to reduce the fees primarily. So it was primarily focusing on reducing fees for you as well as improving those returns. Because in the Yep.","start_word":562,"end_word":620,"intents":[{"intent":"Reducing fees","confidence_score":0.077728}]},{"text":"Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment Yep. to reduce the fees primarily. So it was primarily focusing on reducing fees for you as well as improving those returns. Because in the Yep.","start_word":574,"end_word":620,"intents":[{"intent":"Increasing fees","confidence_score":0.07157926}]},{"text":"Because we did change some of their investments, so some was a little bit more expensive, which I wanted to focus on reducing the fee for you.","start_word":687,"end_word":713,"intents":[{"intent":"Reduce investment fees","confidence_score":0.17665666},{"intent":"Report investment changes","confidence_score":0.00040121537}]},{"text":"So that obviously does reduce the investment fees pretty substantially because we did recommend to move to slightly cheaper investment option, not Yep.","start_word":760,"end_word":782,"intents":[{"intent":"Promote better investment options","confidence_score":0.00021684231}]},{"text":"to the detriment of the returns, though, because returns are still outperforming your old portfolio.","start_word":783,"end_word":797,"intents":[{"intent":"Improve returns","confidence_score":0.110940374}]},{"text":"so so more or less, you gotta spend money to make money. You gotta sort of sort of say that'll be Well, it would basically, cost me more now to save yourself more later.","start_word":886,"end_word":919,"intents":[{"intent":"Save money","confidence_score":0.36868098}]},{"text":"So so what did the how much did the fund actually besides the contributions, how much did I profit or make last four months?","start_word":1001,"end_word":1024,"intents":[{"intent":"Determine fund amount","confidence_score":0.09199325}]},{"text":"So in and that was also, obviously, why we wanted to move you out of some of those investments that was not performing as well. So let me see here.","start_word":1236,"end_word":1265,"intents":[{"intent":"Verify investments","confidence_score":0.00023241303}]},{"text":"I understand, obviously, the concerns in regards to the fees, and if the investments aren't necessarily performing.","start_word":1558,"end_word":1574,"intents":[{"intent":"Clarify fees and investments","confidence_score":0.071885616}]},{"text":"Not really doing Totally. enough.","start_word":2022,"end_word":2026,"intents":[{"intent":"Expressing frustration","confidence_score":0.014691283}]},{"text":"know, Jamie, that with our fee structure, you don't pay an annual fee. It comes out deducted monthly for you. So Yep.","start_word":2058,"end_word":2079,"intents":[{"intent":"Explaining fee structure","confidence_score":0.0039398125},{"intent":"Providing information","confidence_score":0.067530096}]},{"text":"it's not like you have to commit to a full twelve month. Obviously, we've just done advice, and we've just made the changes. So, Yep. obviously, you will see some fees being reduced. But even if, let's say would you prefer a little bit more frequent catch up to see how things are going? Like, do you want one in, like, six months? Like, Maybe a bit maybe more?","start_word":2081,"end_word":2149,"intents":[{"intent":"Schedule monthly check-up","confidence_score":0.014949558}]},{"text":"Like, it's not performing a change and then you change it, more fees and more fees.","start_word":2401,"end_word":2416,"intents":[{"intent":"Inquire about fees","confidence_score":0.0029765517}]},{"text":"If we if we change investment, that we don't charge any extra fees to change it. That is all part of the standard fee. So when we did oversee advice for you and me, there was no additional fees and charges for for you The way for you've us got invested, to do that. isn't there exit fees and isn't there more fees when you enter into a new one? Correct.","start_word":2422,"end_word":2492,"intents":[{"intent":"Discuss investment options","confidence_score":0.024912383},{"intent":"Explain investment requirements","confidence_score":0.014669178},{"intent":"Discuss investment options","confidence_score":0.028045312}]},{"text":"So there will be brokerage fee when you make transactions, which obviously Yeah.","start_word":2493,"end_word":2505,"intents":[{"intent":"Ask about brokerage fee","confidence_score":0.0096792905},{"intent":"Arrange transaction","confidence_score":0.0000012522918}]},{"text":"You will So also you see have the way potential you sort of double capital ended sword gains. sort of thing.","start_word":2518,"end_word":2538,"intents":[{"intent":"Explain investment opportunities","confidence_score":0.00047396502}]},{"text":"But your your funds not going well, you change Yeah.","start_word":2539,"end_word":2548,"intents":[{"intent":"Clarify funds","confidence_score":0.0003812963}]},{"text":"So you wanna make sure you invest in good solid investments that, yes, at time of the market, depending on what is happening, may fluctuate a little bit, but are good Yep.","start_word":2657,"end_word":2688,"intents":[{"intent":"Discuss investment choices","confidence_score":0.004747386}]},{"text":"So you wanna make sure you invest in good solid investments that, yes, at time of the market, depending on what is happening, may fluctuate a little bit, but are good Yep. solid investments long term.","start_word":2657,"end_word":2692,"intents":[{"intent":"Explain investment intentions","confidence_score":0.0010403929}]},{"text":"Well, what are the total fees associated with the change?","start_word":2758,"end_word":2767,"intents":[{"intent":"Discuss fees","confidence_score":0.099839635}]},{"text":"Is it worth making the change, and how are things looking from a fees and the return point of view? Yep.","start_word":2768,"end_word":2788,"intents":[{"intent":"Check performance","confidence_score":0.0002423375}]},{"text":"And when I did do the research for you back in May, we also look at other low cost options Yep. where Yep.","start_word":2811,"end_word":2833,"intents":[{"intent":"Review options","confidence_score":0.03221507}]},{"text":"can, then that's what I would have recommended for you, and that's what we recommend.","start_word":2876,"end_word":2890,"intents":[{"intent":"Provide recommendations","confidence_score":0.011566232}]},{"text":"Otherwise, if I don't hear from you, six months will go through everything. And then you can obviously give it a bit more time, and then you can decide if you are happy with the way things are looking or whether you feel it's not your what's for you at the No end of the day.","start_word":3016,"end_word":3071,"intents":[{"intent":"Discuss future plans","confidence_score":0.008293896}]}]},"sentiments":{"segments":[{"text":"Hi. How are you going? Yeah.","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.2552923560142517},{"text":"Good.","start_word":6,"end_word":6,"sentiment":"positive","sentiment_score":0.4595820903778076},{"text":"Is this Jamie? Yes. Speaking. This is Veronica from Financial. How are you? Yeah. Not too bad. Just I'm even more worse at the moment, but I can try and find quite sort of talk whatever and talk to you. Yeah. No worries. Sorry, Yeah. Just Jamie. in regards to yeah.","start_word":7,"end_word":57,"sentiment":"neutral","sentiment_score":-0.07926592975854874},{"text":"I have my account and I've done my tax and everything, and then you're sort of horrified when I showed him.","start_word":58,"end_word":78,"sentiment":"negative","sentiment_score":-0.3333614468574524},{"text":"I was talking about how I paid over $6,000 this year just for my life insurance and your guys' fees. Comes over $6,000 in fees and I'm trying to explain to me why he's trying to tell me, like, I can get life insurance for the same cover for really 70% cheaper, 65% cheaper. And then and it's like, obviously, what I'm making return on my super that I'm giving away about over 60% of it or something just for something that anybody can do, he's trying to tell me. Okay. Yeah. So I'm just really I concerned was thinking of what of course. so that's my first question. So how much money did I actually make last four months besides contributions? Perfect. Let let me have a look at it for you. Now before I do go any further, Jamie, I do need Yep. to just pass you through security Yep. just to make sure I am speaking with the the right person. Now could you just confirm your full name, date of birth, and address for me, Yep. please? Yep. Jamie Kelly. 77 Clowett Avenue, Rouse Hill, New South Wales 2 Yes. 155, And 2nd B 877.","start_word":79,"end_word":277,"sentiment":"neutral","sentiment_score":-0.12281082570552826},{"text":"Beautiful.","start_word":278,"end_word":278,"sentiment":"positive","sentiment_score":0.4153891205787658},{"text":"And I do also need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Great. Yep. Perfect. Now, obviously, I do understand if that's causing hearing that from Yep. your accountant would obviously cause a bit of concern. Now Yep. I do want to let you know as well that I've just looked at the fee statement that my colleague obviously sent you, which is the one that you went through with your accountant for the last financial year, essentially. Yes. And with the insurances, because they do get taken out, obviously, not on the weekend or the day that they do full is that in that one transaction, it shows that your insurances is way more than what you actually paid because of the time. So the time of the report was the first of the seventh twenty twenty five to Yep. the thirtieth of the June twenty twenty six. So even though it is just, like, a day difference when the insurance premium actually came out, that's why it shows it. So if you actually go through your full transaction, your insurances you do not pay 3,339 for your insurances. You Okay. only pay 1 What thousand 870 8. okay. So half of that more or less. Because it said two Exactly. years. So, Yep. yes, Yep. that's obviously I could then understand why he's like, oh, well, that's you know, it can be expensive, but that Yep.","start_word":279,"end_word":528,"sentiment":"neutral","sentiment_score":-0.04052263721823692},{"text":"is not what you pay.","start_word":529,"end_word":533,"sentiment":"negative","sentiment_score":-0.3710736632347107},{"text":"Now Okay. I do I do want to go through as well. So do you remember we spoke and went through new advice in Yep. May? Brief. Yes. So during that because, obviously, it hasn't been very long since May. Basically, when we went through everything in May, I did make, obviously, a recommendation to change some of your super investment Yep. to reduce the fees primarily. So it was primarily focusing on reducing fees for you as well as improving those returns. Because in the Yep.","start_word":534,"end_word":620,"sentiment":"neutral","sentiment_score":0.06005248427391052},{"text":"last twelve months, we obviously had some underperformance with some of the investment.","start_word":621,"end_word":633,"sentiment":"negative","sentiment_score":-0.4372551143169403},{"text":"We then obviously led through the whole change in your strategy.","start_word":634,"end_word":644,"sentiment":"neutral","sentiment_score":-0.2683425545692444},{"text":"So what you have paid last year won't be the same for this year as was kind of outlined in that statement of advice for you.","start_word":645,"end_word":670,"sentiment":"negative","sentiment_score":-0.3584326505661011},{"text":"And Okay. if you recall let me see if I can get it up exactly. Because we did change some of their investments, so some was a little bit more expensive, which I wanted to focus on reducing the fee for you.","start_word":671,"end_word":712,"sentiment":"neutral","sentiment_score":-0.03507485626531499},{"text":"So when we went through it, and I'm more than happy to email this to you again if you don't have a copy, Yep. is that the recommendation saw a total cost saving. So this is literally just from your, like, investments of about $615 per year.","start_word":713,"end_word":759,"sentiment":"positive","sentiment_score":0.446329265832901},{"text":"So that obviously does reduce the investment fees pretty substantially because we did recommend to move to slightly cheaper investment option, not Yep. to the detriment of the returns, though, because returns are still outperforming your old portfolio. So that was kind of what we did back in May.","start_word":760,"end_word":808,"sentiment":"neutral","sentiment_score":0.12431208044290544},{"text":"So, obviously, for the next or, basically, from now to your next annual review or the next six months, if you wanna do another catch up and reassess where everything's at, it will obviously see see things for this financial year, fees being reduced because we have recently just made those changes for you as well as the returns moving forward because, again, we have just made those changes for you.","start_word":809,"end_word":879,"sentiment":"positive","sentiment_score":0.3997860252857208},{"text":"Okay. Does So that make sense? so so more or less, you gotta spend money to make money. You gotta sort of sort of say that'll be Well, it would basically, cost me more now to save yourself more later. not necessarily So cost you more because we've reduced the fees. So you are paying less in okay. fees, but the returns are better. So you're actually Okay. paying less and getting more than the opposite. Okay. So effective so I can more or less minus $1,800 from that $6,000 statement that she printed out when he gave me because Directly. that's two years Yes. worth of wire. And so it still cost me 4,000 and such of dollars or whatever. So so what did the how much did the fund actually besides the contributions, how much did I profit or make last four months? Last twelve months, let me have Yeah. a look for you. Now like I said, Jamie, we have already made changes, obviously. So when you look at us, so you said the 6,423, the total fees, Yep. that was if we did not make any changes. But we have obviously made those changes for you. So the investment fee so for the next twelve months, the investment fees will be lower because we've already reduced them. So aside from, obviously, you not paying 3,393 for insurances, Yep.","start_word":880,"end_word":1111,"sentiment":"neutral","sentiment_score":0.09354706879319816},{"text":"their portfolio service fee will also be reduced because we have moved you to slightly cheaper investment.","start_word":1112,"end_word":1128,"sentiment":"positive","sentiment_score":0.3448721468448639},{"text":"But I will go into account now and answer your question for what it was last year. Yep. And let me see here. Let me just pull this report for you. Just bear with me. The system's a little bit slower. And I'm more than happy to email you this as well so that you have it. So the last twelve months now your report looks a bit messy because, like I said, in May, we made the changes. So you will have all the buys and sells and the changes of the investment because that occurred, obviously, during this time period, and it's very recent. Yep. So in and that was also, obviously, why we wanted to move you out of some of those investments that was not performing as well. So let me see here. Now when I pull a report, let me see. It's just a twelve twelve months, did you say? Yes. Yep. Alright.","start_word":1129,"end_word":1286,"sentiment":"neutral","sentiment_score":-0.03337980434298515},{"text":"Perfect.","start_word":1287,"end_word":1287,"sentiment":"positive","sentiment_score":0.43341004848480225},{"text":"Just loading at the moment. Alright. So on the 07/22/2025, your super balance was at a 176,673. Yep. Now the end of the period, so the 07/21/2026, it's at a 199,406. Now of that, the report shows you what was from basically growth in periods of growth in your investment as well as income. So let me just add this up for you. So the income derived directly from your investment, so that's not your contribution, was 4,738. And then growth of your investments, which again is not to do with your contributions, was 2,000 Yep. 359. That equates through 7098. Now let Yep. me see. Six So you can see my seven. concern, obviously, then when you I've got a $6,500 bill and the gross that I've made actually 7,900. Something I've done this all year for what? $1,300 profit. I'm thinking in my head. But getting to the obviously, things are a little bit different, explain stubble insurances or whatever and Yes. but And I I do I do really see that, and that is why we did advise for you three months ago. True exactly fits that. Because, obviously, markets do change all the time. And Yep. when something is underperforming, You don't always want to sell, obviously, if things are done if you could see it come back around. Yep. But that is why we did advise in May for you to Yep. change it, which is what Okay. was my concern at the time. So if we hadn't changed anything for you, then, yes, very much so. It's like, okay. Well, you know, Thank you. I understand, obviously, the concerns in regards to the fees, and if the investments aren't necessarily performing.","start_word":1288,"end_word":1574,"sentiment":"neutral","sentiment_score":-0.02361078456511481},{"text":"A lot of it was still doing good, but that Benelon one was the one that was primarily underperforming, and you had quite a bit in it at the time.","start_word":1575,"end_word":1604,"sentiment":"negative","sentiment_score":-0.3396981954574585},{"text":"You do no longer have that in it because in the advice that we went through in May, Yep. Yep. we Yep. changed things for you. So Okay. So obviously, we're so what will next year's statement not have insurance fees at all or just have it's fine fine. Obviously, by one day, it means that there's double fees. But so next year's insurance one will have just one lot of fees again, will it? Or Correct. Or we can make sure we pull the dates exactly to show you. So because I went through all the transactions because when I saw it because I had to look at it earlier this morning, and I was like, hang on a minute. yeah. You don't Yeah. pay 3,000 in fees for insurances. Because I know we spoke not long ago, and we did full research. I was like, you do not pay 3,300 in fees of what is happening Yeah. here. Yeah. Because the average for that's like a thousand $1,200, $1,300, the maximum sort of thing, I thought. Of what I'm hoping market and I thought, wow. What's this $3,300? Yeah. Exactly. No. You are not. Sorry. Because that's why I was like, hang on a minute. And then I went through their transactions of your, like, your individual transactions. I went through all the different dates in the last twelve months to see what actually happened. Yes. And I can see that your Zurich insurance came out the 06/01/2026, Yep. and that was at 1,878. And then the one last year didn't come out on the June 30. It came out on the July 4. Yep. So it's Okay. slightly later, which is why it's showing up twice in Gotcha. that statement for you. Okay. Well, so I've paid fees now for this year and all the fees for you guys for the six twelve months. So obviously, yeah, before I knew the next financial year or whatever, let's Yep. yeah. Just let's just hope everything's actually performed. And so I've done something, obviously, I don't Better. know if it happened in the Yeah. world and take care of all the rest of it. Yes. But yeah.","start_word":1605,"end_word":1972,"sentiment":"neutral","sentiment_score":-0.08833385129337726},{"text":"But if it's And like, well, it's another thousand, $2,000 profit at the end of it all minus all the fees and insurance and everything, it's sort of probably not worth me continuing. If you know what I mean? And I Because it's totally not really understand yeah. that. Not really doing Totally.","start_word":1973,"end_word":2025,"sentiment":"negative","sentiment_score":-0.4896419644355774},{"text":"enough. Yep. And Yeah.","start_word":2026,"end_word":2029,"sentiment":"neutral","sentiment_score":-0.020593687891960144},{"text":"at the end of the day, the choice is completely yours. We are here just through, you know, assist everything for you moving forward.","start_word":2030,"end_word":2053,"sentiment":"positive","sentiment_score":0.395097553730011},{"text":"Yep. And also Yep. know, Jamie, that with our fee structure, you don't pay an annual fee. It comes out deducted monthly for you. So Yep. it's not like you have to commit to a full twelve month. Obviously, we've just done advice, and we've just made the changes. So, Yep. obviously, you will see some fees being reduced. But even if, let's say would you prefer a little bit more frequent catch up to see how things are going? Like, do you want one in, like, six months? Like, Maybe a bit maybe more? I think it's yeah. Maybe I think it's better just to hopefully try Yeah. and settle my concerns and nerves a bit thinking, Yeah. okay. I think you guys are here five years and yeah. I Or don't know. do Just you want yeah. do you want quarterly? Because we can do whatever you want. Now six months should be fine. Just give Six enough months? time to try and do something at least. Yeah. Yep. Yep.","start_word":2054,"end_word":2225,"sentiment":"neutral","sentiment_score":0.045038932284643486},{"text":"Yep. Perfect.","start_word":2226,"end_word":2227,"sentiment":"positive","sentiment_score":0.4478425681591034},{"text":"Alright. I will put a reminder here for you in six months, but if you want to talk earlier, just call. Just send an email or call. It doesn't have to be. But if we don't if I don't hear from you, Yep. I will put a reminder in six months, Six and months. we can Yep. go through a bit of a kind of mini review, go through, okay, what's your investments done, which is, like you said, that's given us a little bit of time for those investments and see how everything's going. Yep. And then So also, obviously, reassess everything for you.","start_word":2228,"end_word":2332,"sentiment":"neutral","sentiment_score":0.09291495382785796},{"text":"so the downside is if things aren't performing, then obviously they're not performing and I'm not getting good returns and sort of waste of time.","start_word":2333,"end_word":2357,"sentiment":"negative","sentiment_score":-0.3457970917224884},{"text":"But then if I've got to change it, then the fees that'll change it, cost me to change it each time, then absorbs any growth for that next year anyway. So it's sort of like a double in the sword, isn't it? Like, it's not performing a change and then you change it, more fees and more fees. Yes So it's and like no. If we if we change investment, that we don't charge any extra fees to change it.","start_word":2358,"end_word":2437,"sentiment":"neutral","sentiment_score":-0.03722438812255859},{"text":"That is all part of the standard fee.","start_word":2438,"end_word":2445,"sentiment":"positive","sentiment_score":0.3779999911785126},{"text":"So when we did oversee advice for you and me, there was no additional fees and charges for for you The way for you've us got invested, to do that. isn't there exit fees and isn't there more fees when you enter into a new one? Correct. So there will be brokerage fee when you make transactions, which obviously Yeah. we faxed Yeah. it into the advice. So Yep. that is correct. You will So also you see have the way potential you sort of double capital ended sword gains. sort of thing. But your your funds not going well, you change Yeah. it, but then either way, then you're paying twice anyway. So it's like, where do you ever actually need Yeah. to sit back and hope it's a miracle that your fund goes well and what you're putting goes well for several years Yeah. in a row.","start_word":2446,"end_word":2594,"sentiment":"neutral","sentiment_score":0.05978354439139366},{"text":"If not, then it's you're never really gonna make money.","start_word":2595,"end_word":2604,"sentiment":"negative","sentiment_score":-0.4642534255981446},{"text":"Yeah. And I Yeah. get it. And that's also why, you know, when we did change the investments and why we do obviously factor in all of that. Because like you said, we do not wanna day trade your investment. That's not what you do. And also all the fees. You know? So you wanna make sure you invest in good solid investments that, yes, at time of the market, depending on what is happening, may fluctuate a little bit, but are good Yep.","start_word":2605,"end_word":2688,"sentiment":"neutral","sentiment_score":0.07051324844360352},{"text":"solid investments long term.","start_word":2689,"end_word":2692,"sentiment":"positive","sentiment_score":0.3538333475589752},{"text":"And the Okay. investments that we did change for you just because you don't wanna have to do that. Now like you said, obviously, if there is another COVID or, obviously, with the war, like, if there's another major thing, you might wanna look at changing something. But part of the research that we do is factoring in all of that for you of, okay. Well, what are the total fees associated with the change? Is it worth making the change, and how are things looking from a fees and the return point of view? Yep. And at the end of the day, there is absolutely nothing holding us to hub twenty four when we do the research. And when I did do the research for you back in May, we also look at other low cost options Yep. where Yep. you Yep. don't have the same kind of option with investment of looking, okay. Well, if you are in something that as a platform, a super fund is a little bit cheaper, can you achieve the same returns? And if you Yep.","start_word":2693,"end_word":2875,"sentiment":"neutral","sentiment_score":0.0983579773659426},{"text":"can, then that's what I would have recommended for you, and that's what we recommend.","start_word":2876,"end_word":2890,"sentiment":"positive","sentiment_score":0.3630195558071137},{"text":"Like, there's nothing tying us to anything. We're Yep. completely Okay. independent I will give Hub 20 of that. four another six to twelve months. And Then if we there's can a dramatic reassess. improvement, we'll sort of save. If it's not, then I'm Yep. guessing I won't stay up 24. It's not really doing what I thought it Yeah. would do. But And that yeah. is completely your choice at the end of the day, Jamie. It's completely up to you. Like I said, I will put a reminder here for a six month catch Yep. up. But if you have any concerns or there's anything else you if you wanna talk sooner, just give me Yep. a call or send me an email. Otherwise, if I don't hear from you, six months will go through everything. And then you can obviously give it a bit more time, and then you can decide if you are happy with the way things are looking or whether you feel it's not your what's for you at the No end of the day. problem. Okay. Well, Yeah.","start_word":2891,"end_word":3075,"sentiment":"neutral","sentiment_score":0.06258799135684967},{"text":"thanks a lot for the call.","start_word":3076,"end_word":3081,"sentiment":"positive","sentiment_score":0.6622470617294312},{"text":"That well, they'll give me No. peace of mind for the next six So months, and yeah. I'm a we'll do this catch up. Yeah.","start_word":3082,"end_word":3106,"sentiment":"neutral","sentiment_score":0.05811533331871033},{"text":"Beautiful. Me too.","start_word":3107,"end_word":3109,"sentiment":"positive","sentiment_score":0.5720301866531372},{"text":"Like I said, I'm always here if you have any questions or concerns or anything, but, otherwise, I will touch base in about six months.","start_word":3110,"end_word":3134,"sentiment":"neutral","sentiment_score":0.23138168454170227},{"text":"Okay. Great. You have a good day.","start_word":3135,"end_word":3141,"sentiment":"positive","sentiment_score":0.7053613662719727},{"text":"Mhmm. You too, Jamie. We'll speak Okay. soon. Bye. See you. Bye.","start_word":3142,"end_word":3153,"sentiment":"neutral","sentiment_score":0.20454132556915283}],"average":{"sentiment":"neutral","sentiment_score":0.008991496716937587}}}}