The Winner's Playbook

Link Wealth Group
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The Winner’s Playbook is your go-to podcast for real talk about money, careers, success and the challenges along the way. Hosted by financial advisers Josh and Billy, we break down the financial world in a way that’s clear, relatable and actually enjoyable to listen to. Whether you’re trying to grow your wealth, make smarter money moves, level up your career, or just figure out what success looks like for you, we’ve got you covered. No boring lectures, no complicated jargon - just straight-up conversations that help you win in life and money. New episodes drop every week, so hit follow and join us for practical advice, honest insights and maybe even a few laughs along the way.

  1. Aug 12

    The hidden death tax within super

    Send us Fan Mail Super death tax, TPD payouts and the age pension problem Superannuation can be one of the most tax-effective ways to build wealth, but many people do not realise there can still be tax waiting inside their super when they pass away. In this episode of The Winner’s Playbook, Josh and Billy unpack the hidden super death tax, how taxable and tax-free components work, and why beneficiary nominations matter more than most people think. They also discuss withdrawal and re-contribution strategies, how adult children can be taxed on super death benefits, and why getting the structure right can make a major difference for families. Billy then breaks down total and permanent disability payouts, including how TPD claims work, why they can be complex, and the tax planning considerations that come after a payout is received. To close out, Josh and Billy discuss the age pension, the treatment of the family home, gifting rules, and the issue being called the “widow tax” in relation to negative gearing and property ownership changes. If you have super, insurance, ageing parents, or want to better understand how tax can affect wealth transfers, this episode is worth a listen. ⏱️ Timestamps:  00:00 Intro  05:51 Super death tax and beneficiaries  07:41 Who can receive your super when you die?  10:21 Taxable and tax-free components in super  15:09 Withdrawal and re-contribution strategies  19:18 TPD payouts inside super  29:45 Is the age pension system fair?  40:29 The proposed widow tax issue Hit follow, leave a review, and share this episode with someone who wants to better understand super, tax and retirement planning. ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    The hidden death tax within super

  2. Aug 5

    Why everyday investors deserve access to private markets

    Send us Fan Mail Private markets, business pressure and managing a big lump sum Private markets are usually reserved for the wealthiest investors, large super funds and institutions, but should everyday investors have better access? In this episode of The Winner’s Playbook, Billy is joined by Steve Sloane, Founder and Managing Director of Link Wealth, to unpack what private markets actually are and why access has traditionally been limited. They discuss private equity, private credit, infrastructure, unlisted assets, and the work involved in creating a better way for clients to access these opportunities inside super. Steve also shares his view on whether Victoria has become one of the hardest places in Australia to run a business, including the impact of payroll tax, property taxes, regulation and business confidence. To close out, Billy and Steve talk through what to do after receiving a large lump sum, whether from selling a business, selling property, receiving an inheritance or exiting a major asset. If you’re interested in private markets, business strategy, tax structures or how to manage significant capital properly, this episode is worth a listen. ⏱️ Timestamps: 00:00 Intro 01:11 Private markets and why access matters 02:28 What are private markets? 05:48 Why private markets have been hard to access 08:37 Building private market access inside super 12:26 Is it harder to do business in Victoria? 20:25 Planning for a major liquidity event 25:42 Tax structures for large lump sums   Hit follow, leave a review, and share this episode with someone who wants to better understand private markets, business risk and how to manage serious capital. ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    Why everyday investors deserve access to private markets

  3. Jul 29

    Why the Aussie share market is falling behind

    Send us Fan Mail Market moves, redundancies and building a personal brand The Australian share market has lagged behind the US, tech has continued to dominate globally, and investors are being reminded why diversification still matters. In this episode of The Winner’s Playbook, Josh and Billy unpack what has been happening across the Australian and global share markets, including the role of AI, tech stocks, index funds, active managers and why chasing the latest market trend can be risky. They also discuss redundancies, job cuts and what to do if your role is suddenly affected, from building cash reserves and understanding your entitlements to using your network and keeping future options open. Josh and Billy also talk through the value of building a personal brand, why social media is becoming a search engine, and how being visible online can help create career and business opportunities. To close out, they break down private ancillary funds, how they work, who they may suit, and how charitable giving can be structured more effectively. ⏱️ Timestamps:  00:00 Intro  02:47 Australian share market update  04:10 Why US tech has been driving returns  08:53 Active management vs index investing  13:44 Redundancies and job cuts  17:03 How to protect yourself financially  22:11 Why building a personal brand matters  32:37 What is a private ancillary fund? Hit follow, leave a review, and share this episode with someone who wants to better understand markets, career risk and smarter long-term planning. ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    Why the Aussie share market is falling behind

  4. Jul 21

    Is property still a good investment after the budget?

    Send us Fan Mail Property investing after the Budget Property investing is changing, but that does not mean the opportunity has disappeared. In this episode of The Winner’s Playbook, Josh is joined by Kev Tran from KTG Property Advisory to unpack where the property market could be heading after the latest Budget changes. They discuss SMSF property changes, negative gearing, supply and demand, Melbourne’s potential opportunity, and why property selection matters more than ever in the current market. Kev also shares his view on boutique units, commercial property, rental pressure, and why investors may need to think differently about price points, location and long-term strategy. If you’re thinking about buying property or wondering whether property still makes sense after the Budget, this episode gives you a clear look at what to consider before making your next move. ⏱️ Timestamps:  00:00 Intro  01:36 Meet Kev Tran  02:03 SMSF property lending changes  03:57 Is property still a good long-term asset?  05:24 What makes a good property market?  15:15 Is Melbourne becoming an opportunity?  24:07 Boutique units and why they may be worth considering  34:19 Commercial property after the Budget Get in touch with Kev Tran: https://www.linkedin.com/in/kevtranbuyersagent/ Learn more about Kev & his team: https://www.kevtran.com.au/ Book a call with Kev: https://calendly.com/kevtrangroup/clarity-call-with-kev?month=2024-10 Hit follow, leave a review, and share this episode with someone who is trying to understand the property market after the latest Budget changes. ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    Is property still a good investment after the budget?

  5. Jul 17

    How we would fix Australia’s tax system

    Send us Fan Mail Trust changes, tax reform and what Australia should fix Australia’s tax system is changing, and family trusts are now firmly in the spotlight. In this episode of The Winner’s Playbook, Josh and Billy unpack the latest details around the government’s proposed trust changes, what structures may be excluded, and why business owners need to start thinking carefully before making any major restructuring decisions. They also discuss rollover relief, companies, franking credits, stamp duty risks, and the practical complexity that could come with moving assets out of discretionary trusts. To close out the episode, Josh and Billy put forward their own take on how they would fix Australia’s tax system, from GST and income tax to business incentives, housing, payroll tax, parental leave and government spending. If you run a business, use a trust structure, invest through companies, or simply want to understand where Australia’s tax system could be heading, this episode is worth a listen. ⏱️ Timestamps:  00:00 Intro  01:12 Trust tax changes and what we know so far  02:06 Which trusts are excluded?  03:30 Rollover relief and restructuring options  08:22 Stamp duty and property inside trusts  12:36 Why companies may become more attractive  16:51 Franking credits and bucket companies  21:40 How Josh and Billy would fix Australia’s tax system Hit follow, leave a review, and share this episode with someone who wants to understand the latest trust and tax changes. ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    How we would fix Australia’s tax system

  6. Jul 14

    Investing for Your Kids: What Parents Need to Know

    Send us Fan Mail Investing for your kids without getting the structure wrong Investing for your kids sounds simple, but once you start looking at tax, account structures, ownership and what happens when they turn 18, it can get complicated quickly. In this solo episode of The Winner’s Playbook, Josh breaks down what parents need to understand before investing for a child under the age of 18. He explains how minor tax rates work, why savings accounts may not always be the best option, and how investment income for children can be taxed very differently depending on the structure used. Josh also covers informal trusts, tax file numbers, beneficial ownership, investment bonds, growth assets, account setup, record keeping, and why getting the structure right from the start can help avoid unnecessary tax issues later. If you are thinking about investing for your child, helping them with school fees, a first home, or simply giving them a stronger financial start, this episode is a practical place to begin. ⏱️ Timestamps:  00:00 Intro  00:46 Why investing for kids can be complex  01:43 How minor tax rates work  05:03 Accepted persons and accepted income  08:24 Savings accounts vs growth investments  11:06 What happens when your child turns 18?  14:17 Why tax file numbers and ownership matter  18:51 What should parents actually do? Hit follow, leave a review, and share this episode with someone who wants to start investing for their kids the right way. ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    Investing for Your Kids: What Parents Need to Know

  7. Jul 9

    Is it much harder to build wealth today?

    Send us Fan Mail Who has it harder when building wealth today? Is it harder for younger Australians to build wealth today, or are there more opportunities than ever before? In this episode of The Winner’s Playbook, Josh and Billy unpack the latest changes affecting self-managed super funds, including the government’s move to stop borrowing for residential property inside SMSFs. They also debate one of the biggest money questions in Australia right now: who really had it harder when it comes to building wealth, today’s generation or the generations before them? From housing affordability and university costs to tax changes, superannuation, AI, online business, investing apps and the rise of side hustles, they break down both sides of the argument. If you’re trying to build wealth, buy property, start a business, invest for the future, or understand how the rules have changed, this episode gives you plenty to think about. ⏱️ Timestamps: 00:00 Intro 01:24 SMSF property lending changes 05:32 Who has it harder building wealth today? 06:55 Why housing is harder for younger Australians 12:35 Why wealth-building opportunities have changed 20:42 University, HECS and the job market 24:28 Starting a business has never been cheaper 39:41 The effort gap vs the opportunity gap Hit follow, leave a review, and share this episode with someone who is trying to build wealth in today’s economy. ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    Is it much harder to build wealth today?

  8. Jul 2

    Should you move your business offshore?

    Send us Fan Mail Moving offshore, tax residency and the expat opportunity With major tax changes being proposed in Australia, more business owners, investors and professionals are asking the same question: should I consider moving offshore? In this episode of The Winner’s Playbook, Josh is joined by Tristan Perry, Managing Director of Tax and Accounting at RP Financial Private, to unpack the realities of becoming an expat and what Australians need to understand before making the move. They cover tax residency, moving a business offshore, deemed disposals, capital gains tax, family homes, land tax, Singapore’s tax system, and why timing matters when leaving or returning to Australia. Tristan also shares practical insights from working with expats across Singapore, Hong Kong, Bali, Thailand and beyond, including the opportunities, risks and mistakes people need to avoid. If you’re a business owner, investor, expat, or thinking about working overseas, this episode gives you a clear look at the tax and lifestyle considerations before making a major move. ⏱️ Timestamps: 00:00 Intro 01:21 Welcome back Tristan Perry 04:11 Where Australians are moving offshore 08:24 What has changed for expats and business owners 13:09 Moving a business offshore and tax residency 17:26 How deemed disposal rules work 27:19 The family home, CGT and the six-year rule 35:51 Singapore tax rates and business setup Hit follow, leave a review, and share this episode with someone who is thinking about moving offshore or returning to Australia. Get in touch with Tristan:  https://www.linkedin.com/in/tristan-perry ---- Want to find an Adviser that suits your financial needs: https://www.linkwealth.com.au/ Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy: https://www.linkwealth.com.au/billy-norman-link Josh's TikTok:  https://www.tiktok.com/@joshleefinadv Billy's TikTok:  https://www.tiktok.com/@billynormanfp     Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified     Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide  ----    General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

    Should you move your business offshore?
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About

The Winner’s Playbook is your go-to podcast for real talk about money, careers, success and the challenges along the way. Hosted by financial advisers Josh and Billy, we break down the financial world in a way that’s clear, relatable and actually enjoyable to listen to. Whether you’re trying to grow your wealth, make smarter money moves, level up your career, or just figure out what success looks like for you, we’ve got you covered. No boring lectures, no complicated jargon - just straight-up conversations that help you win in life and money. New episodes drop every week, so hit follow and join us for practical advice, honest insights and maybe even a few laughs along the way.

Information

  • Creator
    Link Wealth Group
  • Years Active
    2023 - 2026
  • Episodes
    123
  • Rating
    Explicit
  • Copyright
    © 2026 The Winner's Playbook
  • Show Website
    The Winner's Playbook