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.

----

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.

Send us Fan Mail

Inheritance, super control and property tax traps

How much is too much to leave to your kids, and should you pass wealth on earlier rather than waiting until it becomes an inheritance?

In this episode of The Winner’s Playbook, Josh and Billy unpack inheritance planning, how much support to give adult children, and why timing can matter when it comes to helping the next generation.

They also discuss the government’s growing influence over superannuation, why more Australians are looking at self-managed super funds, and the risks of taking control without a clear investment plan.

Josh and Billy then break down capital gains tax, cost base traps and what property investors need to understand before selling an investment property.

They also cover holiday homes, depreciation, record keeping, upcoming CGT changes and why getting the cost base wrong can lead to a much bigger tax bill than expected.

If you own property, have adult children, are thinking about estate planning, or want to understand how the latest tax and super changes could affect you, this episode is worth a listen.

⏱️ Timestamps:

00:00 Intro

01:16 What’s coming up in this episode

02:05 Josh’s Tony Robbins and Steven Bartlett takeaway

12:20 How much is too much to leave your kids?

22:43 Superannuation and government influence

32:03 The rise of self-managed super funds

35:18 CGT changes and investment properties

38:08 Cost base traps investors often miss

Hit follow, leave a review, and share this episode with someone who wants to better understand inheritance, super, property and tax 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.

Send us Fan Mail

Commercial property, healthcare assets and social infrastructure

Commercial property is getting more attention, but it is a very different world to residential investing.

In this episode of The Winner’s Playbook, Josh is joined by Marcello Caspani-Muto, Director at CBRE, to unpack how commercial property works and what investors need to understand before stepping into the space.

Marcello specialises in the sale and leasing of healthcare and social infrastructure assets, including childcare, healthcare, aged care, retirement living and medical property.

They discuss how commercial assets are valued, the role of tenants and leases, yield versus growth, vacancy risk, childcare and aged care opportunities, and why due diligence matters so much more in this space.

Marcello also shares insights into institutional buyers, private capital, deal structures, healthcare demand, government involvement, and what separates a strong commercial property opportunity from one that looks good on the surface but carries hidden risk.

If you are interested in commercial property, healthcare assets, childcare centres, aged care, or how sophisticated investors think about real estate, this episode gives a practical look behind the scenes.

⏱️ Timestamps:

00:00 Intro
01:14 Meet Marcello Caspani-Muto
04:49 Marcello’s role at CBRE
07:09 Deal size and commercial property buyers
11:21 Business value vs property value
13:15 Main types of commercial property
17:01 How commercial property is valued
28:49 Childcare and aged care assets

Hit follow, leave a review, and share this episode with someone who wants to better understand commercial property, healthcare assets and long-term investing.

Get in touch with Marcello's:

https://www.linkedin.com/in/marcello-caspani-muto

Marcello's TikTok:

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

----

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.