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Is your super as safe as you think, and could AI change the future of financial advice?

In this episode of The Winner’s Playbook, Josh and Billy unpack some of the biggest conversations happening across superannuation, investing and financial advice right now.

They discuss growing concerns around Australia's super system, the enormous amount of money flowing into AI, and whether investors are overlooking some of the risks.

They also tackle a question closer to home: could AI eventually replace financial advisers, or is there something technology simply can't replicate?

To finish, Josh and Billy explore a challenge facing many Australian business owners approaching retirement, and why the business you've spent decades building might not deliver the outcome you're expecting.

⏱️ Timestamps:

00:00 Intro
00:43 What’s coming up in this episode
04:45 The risks facing Australia's super system
08:32 The $44 billion AI IPO that didn't go ahead
16:53 Could your super be more exposed than you think?
23:54 Could AI replace your financial adviser?
33:14 The retirement trap for business owners
40:25 What happens when it's time to sell your business?

Hit follow, leave a review, and share this episode with someone interested in investing, AI and building long-term wealth.

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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

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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.

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Paying down debt, investing and the property market

With interest rates rising and property prices falling, is it better to pay down your mortgage or keep investing?

In this episode of The Winner’s Playbook, Josh and Billy unpack the trade-offs between paying down debt and investing, including how interest rates, tax deductions, offset accounts and investment returns can influence the decision.

They also discuss debt recycling, why a falling property market could create opportunities for families looking to upgrade their home, and the costs and risks to consider before making a move.

Josh and Billy then compare the S&P 500 and Australian share market over the last 10, 20 and 30 years, exploring why US shares have outperformed recently, the influence of AI and big tech, and why diversification still matters.

To close out, they look at the upcoming Victorian election, including proposed changes to land tax, payroll tax, stamp duty and what the outcome could mean for business owners and property investors.

If you're weighing up whether to invest or reduce debt, considering upgrading your home, or looking to understand where markets could be heading, this episode gives you plenty to think about.

⏱️ Timestamps:

00:00 Intro
01:05 What’s coming up in this episode
03:53 Paying down your mortgage vs investing
09:35 Deductible vs non-deductible debt
15:35 Debt recycling explained
17:01 Upsizing your home in a falling property market
23:55 S&P 500 vs Australian shares
32:22 Victorian election and what it means for businesses

Hit follow, leave a review, and share this episode with someone who wants to make smarter decisions around debt, investing, property and long-term wealth.

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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

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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.

Send us Fan Mail

A TPD payout is not the end of the process

A total and permanent disability claim can provide a major financial lifeline, but the payout is only the start of the next set of decisions.

In this solo episode of The Winner’s Playbook, Billy breaks down what people need to understand before and after making a TPD claim.

He explains how TPD insurance works, why claims can be complex, the difference between own occupation and any occupation definitions, and when it may make sense to use a claims advocate, financial adviser or lawyer.

Billy also unpacks what happens when a TPD payout lands in super, including lump sum withdrawals, income streams, tax, Centrelink, income protection, and the uplift of the tax-free component.

To make it practical, Billy walks through a real client case study showing how a TPD payout was structured to reduce financial pressure, create ongoing income and keep long-term planning in place.

If you have TPD cover, are going through a claim, or want to understand how insurance payouts work inside super, this episode is worth a listen.

⏱️ Timestamps:
00:00 Intro
00:59 Billy’s solo episode on TPD claims
02:53 What is TPD?
05:14 What to do before making a claim
07:25 Should you get help with a TPD claim?
09:48 What happens once a claim is approved?
13:49 Tax and the uplift of the tax-free component
19:51 Real client case study

Hit follow, leave a review, and share this episode with someone who wants to better understand TPD claims, super and insurance planning.

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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

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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.