Link Wealth Advice

Link Wealth Advice At Link Wealth Advice, we offer clear practical guidance to help you make smarter financial decisions.

We take the time to understand your goals and give you the support you need to plan, grow and feel confident about your future.

24/06/2026

Property price corrections are rarely as severe as predicted.

Josh and Billy discuss that while doomsday predictions of 20–30% property corrections often circulate, historically these forecasts have been off. After COVID, for example, some predicted major falls, yet prices actually rose 20–30% in a short period. Most major institutions tend to be conservative, projecting small corrections, while extreme calls are often repeated year after year. The reality usually depends heavily on factors like credit availability and borrowing capacity, which influence price movements far more than media hype.

In this episode, Josh Lee - Financial Adviser and Billy Norman - Financial Adviser talk about why cautious forecasts dominate, why extreme predictions should be taken with a grain of salt, and how credit conditions drive real property outcomes.

Available now on Spotify, Apple Podcasts, YouTube and more.
👀 Watch now: https://ap1.hubs.ly/y0-fws0
🎧 Listen now: https://ap1.hubs.ly/y0-fBZ0

23/06/2026

Australian banks may be in a “bubble” compared to global peers.

Josh and Billy discuss that the big four banks in Australia, like Commonwealth Bank, are trading at extremely high price-to-earnings ratios, around 26x, compared with global banks such as JP Morgan at 13x. This is far higher than historical norms and makes them appear very expensive relative to the profit growth they are likely to deliver. For investors, this means that even broad index funds are heavily weighted toward these banks, which could limit long-term returns.

In this episode, Josh Lee - Financial Adviser and Billy Norman - Financial Adviser break down why Australian banks look overvalued, how this compares globally, and what it means for investors considering exposure to bank shares.

Available now on Spotify, Apple Podcasts, YouTube and more.
👀 Watch now: https://ap1.hubs.ly/y0-g5C0
🎧 Listen now: https://ap1.hubs.ly/y0-fwX0

22/06/2026

Lazy deposits are costing Australians millions in missed interest.

Josh and Billy discuss that the big four banks are sitting on $370 billion in “lazy” deposits earning almost nothing. While rates on high interest accounts now reach 5%, most everyday transaction accounts pay next to nothing. Moving these funds into high interest savings accounts can dramatically improve returns, and failing to do so is a common mistake they see with clients.

In this episode, Josh Lee - Financial Adviser and Billy Norman - Financial Adviser explain why Australians need to be aware of where their money is sitting, how much interest it’s earning, and how to take advantage of higher-yield accounts.

Available now on Spotify, Apple Podcasts, YouTube and more.
👀 Watch now: https://ap1.hubs.ly/y0-fXr0
🎧 Listen now: https://ap1.hubs.ly/y0-fqh0

Great advice is clear, personal and built around your goals.Thank you, Wilson, for trusting Fei and the Link Wealth Advi...
22/06/2026

Great advice is clear, personal and built around your goals.

Thank you, Wilson, for trusting Fei and the Link Wealth Advice team with your super, insurance and long-term planning. Helping clients feel informed and confident is exactly why we do what we do.

P.S. If you want advice that makes sense for your future, send us a message.

Disclaimer: This information is general in nature and does not take into account your personal objectives, financial situation or needs. Before making any financial decision, consider whether it is appropriate for your circumstances and seek professional advice.

19/06/2026

Buying property can help force good financial habits.

Josh and Billy explain that taking on a mortgage can act like a built-in savings plan. Meeting regular loan repayments encourages long-term thinking and financial discipline, rather than letting savings get spent elsewhere. Choosing a property in an area with strong first-home demand can also provide potential for future equity growth when it’s time to sell.

In this episode, Josh Lee - Financial Adviser and Billy Norman - Financial Adviser talk about how property ownership can instill financial responsibility, why location matters, and how buying wisely now can pay off down the track.

Available now on Spotify, Apple Podcasts, YouTube and more.
👀 Watch now: https://ap1.hubs.ly/y0ZZ750
🎧 Listen now: https://ap1.hubs.ly/y0ZYPQ0

Would you buy property when everyone else is scared?In this episode of The Winner’s Playbook, Josh and Billy unpack whet...
18/06/2026

Would you buy property when everyone else is scared?

In this episode of The Winner’s Playbook, Josh and Billy unpack whether Melbourne property could be a buying opportunity, why property should never be treated as a quick two-year play, and what investors need to think about before jumping in.

They also break down the SpaceX IPO, how 4,400 current and former staff reportedly became millionaires, the risks of employee share plans, and why having too much wealth tied up in one company can go badly wrong.

Plus, they cover the latest interest rate outlook, mortgage stress, crypto, oil prices, and why diversification matters more than ever.

The big takeaway: opportunity still exists, but only if the numbers, structure and long-term plan actually stack up.

Available now on Spotify, Apple Podcasts, YouTube and more.
👀 Watch now: https://ap1.hubs.ly/y0-4mb0
🎧 Listen now: https://ap1.hubs.ly/y0-4Gn0

Budget changes can feel confusing, especially when you are not sure what they mean for your money, tax, super or long-te...
15/06/2026

Budget changes can feel confusing, especially when you are not sure what they mean for your money, tax, super or long-term plans.

That is why getting clear advice matters. The goal is not to panic, it is to understand what has changed and what action, if any, makes sense for you.

P.S. If you want clarity, book a free call with Link Wealth Advice today.

Money mistakes rarely happen overnight.They usually come from small habits repeated over time.Waiting for the "perfect t...
15/06/2026

Money mistakes rarely happen overnight.

They usually come from small habits repeated over time.

Waiting for the "perfect time" to invest. Ignoring your super. Letting lifestyle spending rise every time your income increases.

On their own, these decisions may not seem significant. But over years and decades, they can have a major impact on your ability to build wealth, achieve financial freedom, and retire comfortably.

The good news? Small improvements made consistently can be just as powerful.

Review your financial habits regularly. Stay intentional with your goals. And remember, the decisions you make today can shape your future more than you think.

P.S. Not sure if you're on the right track? Send us a message and let's have a conversation about your goals and where you want to be financially.

Disclaimer: This information is general in nature and does not take into account your personal objectives, financial situation or needs. Before making any financial decision, consider whether it is appropriate for your circumstances and seek professional advice.

Most people think building wealth is about big wins or getting lucky. In reality, the people who usually get ahead finan...
13/06/2026

Most people think building wealth is about big wins or getting lucky.

In reality, the people who usually get ahead financially are the ones who stay disciplined when others get distracted. Small consistent decisions over time often beat chasing shortcuts.

P.S. If you want help building a long-term financial plan that actually fits your goals, send us a message and let’s chat.

12/06/2026

Trusts and bucket companies may not be necessary for everyone.

Josh Lee - Financial Adviser and Billy Norman - Financial Adviser discuss that if you already have a trust, there’s usually no need to change anything. For those considering a new trust or bucket company purely for investment purposes and not for running a business, it's worth questioning whether the costs and extra complexity are justified. Changes to tax rules, like a minimum 30% tax on trust distributions, also affect the benefit of funneling profits through a bucket company.

In this episode, Josh and Billy explain how trusts and bucket companies work, when they are useful, and why current investors should carefully evaluate if new structures are really needed under the latest rules.

Available now on Spotify, Apple Podcasts, YouTube and more.
👀 Watch now: https://ap1.hubs.ly/y0YW_p0
🎧 Listen now: https://ap1.hubs.ly/y0YW1r0

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