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Thinking of selling your business? Start here

What actually makes a business sellable? In this episode of The Winner’s Playbook, Billy sits down with business mentor Baz Gardner to unpack the real reasons businesses sell (or don’t). They go beyond the surface-level advice and dive deep into the psychology of letting go, why so many owners sabotage their exit, and what buyers are actually looking for when it's time to pass the baton.

Baz shares what he’s seen work (and fail) after helping hundreds of businesses through succession and sale, including the mindset shifts needed, the danger of ego attachment, and why strong leadership teams matter more than just your bottom line. They also cover what buyers want to see, what multiples really mean, and how to reduce key person risk so you’re not the roadblock to your own payday.

If you’re building a business you want to eventually sell or hand over, this episode will save you years of pain. The best time to start planning is always earlier than you think.

Find Baz:

Baz Facebook: https://www.facebook.com/iambazgardner/
Baz LinkedIn: https://www.linkedin.com/in/bazgardner/
Baz YouTube: www.youtube.com/@TheSocialAdviser

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Want to find a 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 a text

Insurance isn't exciting. But losing everything is.

In this episode, Josh and Billy keep it real about personal insurance and why it’s one of the most important (and misunderstood) parts of your financial plan. They unpack the different types of cover including life, TPD, trauma and income protection, and explain what they actually do, who needs them, and how much is enough. They also break down how to structure policies inside or outside super, the real risks of default cover, and how to avoid getting caught with junk insurance that won’t pay when it matters.

They share personal stories and real client claims that show the power of getting this right. You’ll hear how a well-timed payout can save a family from financial ruin, how trauma cover works when you're still able to work, and why your income is your most valuable asset. Whether you're a parent, business owner, or just starting out, they explain the biggest traps to avoid, how to reduce costs over time, and what to expect if you ever need to claim.

If you’ve been putting off sorting your insurance, this is the episode that might change your mind. The best time to get covered is before you need it, and getting it right could be one of the smartest financial decisions you ever make.

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Want to find a 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 a text

Thinking about private school? This one’s for you.

In this episode of The Winner’s Playbook, Josh and Billy break down the real cost of education and how to plan for it. From $100k Catholic schools to $400k+ elite private education, they explain how school fees can blow out fast and why most families don’t realise just how much they’ll spend over 13 years. They share personal stories, the pros and cons of public vs private, and how education choices shape not just your kids’ future but your own financial security.

They also explain how to structure your savings and investments to avoid stress later. Whether you’re paying out of cashflow, building an education fund, using investment bonds or setting up offset accounts, they walk through practical strategies to stay in control. Plus, they talk about grandparent help, investment options, and why comparing yourself to other families is a trap.

If you're juggling a mortgage, super, and the desire to give your kids the best start in life, this is a must-listen. A financially secure household beats a school logo any day.

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Want to find a 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 a text

Have you lived or worked in the UK? You could be entitled to thousands in extra pension payments for life.

In this episode of The Winner’s Playbook, Josh and Billy unpack the UK state pension and why it matters for Australians who have spent time working in the UK, even decades ago. They explain how the system works, how it compares to Australia’s age pension, and what the upcoming changes in April 2026 mean for anyone thinking of topping up their pension years.

They also cover how to check your national insurance record, what to do if you have gaps, and why this could be a once-in-a-lifetime opportunity to secure a valuable income stream. Plus, they dive into estate planning strategies around superannuation tax and share a few client stories that show just how easy it is to miss out if you don’t take action.

If you or someone you know has worked in the UK, this is a must-listen. It could put thousands of dollars back in your pocket for very little effort.

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Want to find a 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 a text

Thinking about growing your wealth smarter and faster this year?

In this episode of The Winner's Playbook, Josh and Billy break down how different tax structures can either boost or drag on your wealth. From sole traders and companies to family trusts, superannuation, and investment bonds, they walk through how each structure works, when it makes sense to use them, and how business owners can avoid costly mistakes.

They also dive into the concept of tax drag, a must-know for anyone trying to build serious wealth, and explain how using a bucket company can potentially add more than $1 million to your portfolio over time. It's all about structure, timing, and having the right advice from the start.

Need help figuring out which structure is right for you?

Book a free 15-minute call with a Link Wealth adviser today. Head to the show notes to get started.

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Want to find a 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 a text

Most people have good money intentions, but few turn them into habits that last. In this episode of The Winner’s Playbook, Josh and Billy break down simple financial systems you can actually stick to.

They cover a practical yearly money calendar, a savings rule you won’t quit, and an investment routine that runs quietly in the background. Plus, they discuss why comparing your finances to friends or social media can hold you back, and why focusing on your own household, values, and decisions is what drives real progress.

If you’re ready to reset your mindset and build better money habits for 2026, this episode helps you cut through the noise and focus on what truly matters.

𝗪𝗮𝗻𝘁 𝗵𝗲𝗹𝗽 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘀𝗺𝗮𝗿𝘁𝗲𝗿 𝗺𝗼𝗻𝗲𝘆 𝗵𝗮𝗯𝗶𝘁𝘀 𝗳𝗼𝗿 𝟮𝟬𝟮𝟲?
Head to the show notes to book a chat with a Link Wealth adviser.

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Want to find a 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 a text

Why betting big on a single stock can backfire

When a single stock skyrockets, it’s easy to get caught up in the hype. But what happens when it all comes crashing down?

In this episode of The Winner’s Playbook, Josh and Steve break down the recent drama surrounding DroneShield, a company that surged from cents to dollars before plummeting to just a share. They unpack what really happened, including the timing of the CEO’s multimillion-dollar sell-off and a retracted company announcement that shook investor confidence.

But this isn't just about one stock. Josh and Steve use this real-life case to dig into the risks of investing in individual shares, the red flags to watch for, and why diversification matters more than ever. They also share some of their own investing mistakes, from speculative gold stocks to a ski accident payout that disappeared faster than it came. You’ll walk away with honest insights and a few laughs that make these hard money lessons easier to digest.

If you're holding a single stock and wondering whether to sell or hold, this episode will give you clarity, perspective, and a smarter way to think about your portfolio

Want help building a diversified investment plan that actually suits your goals? Book a free 15-minute chat with a Link Wealth adviser through the show notes. No pressure, just a real conversation about what’s right for you.

Nominate someone here: [https://ap1.hubs.ly/y0nNgF0]

Get in touch with Steve:
https://www.linkwealth.com.au/steve-sloane-link

https://www.tiktok.com/@stevesloanefinadviser

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Want to find a 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 a text

Aged care isn’t something most people want to think about, but when the time comes, families are often caught off guard. In this episode of The Winner’s Playbook, Billy is joined by Daniel McCarthy from Sky Advisors in Tasmania to unpack the real costs of aged care, how Centrelink actually works, and the decisions families need to make when a parent or loved one can no longer live at home.

They cover what most people get wrong, what fees to expect, how the family home is treated, and why waiting until the last minute can cost you emotionally and financially. Dan also shares the most common myths and mistakes he sees, from panic-selling homes to gifting strategies that backfire, and why good advice can make a huge difference in one of life’s most difficult transitions.

If you're navigating aged care for a parent, preparing for your own future, or just want to better understand the system, this episode will leave you feeling informed and supported.

We are also running our Christmas Pro Bono Giveaway, offering a complete financial advice package to someone who needs extra support this holiday season. Check the show notes if you would like to nominate someone.

Want help navigating aged care?
Head to the show notes to book a free 15-minute call with a Link Wealth adviser who understands aged care advice inside and out.

Nominate someone here: [https://ap1.hubs.ly/y0nNgF0]

Get in touch with Daniel:
https://skyadvisers.com.au/

https://www.linkedin.com/in/daniel-mccarthy-54461a78/

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Want to find a 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.