Helping business owners and professionals grow their personal wealth.
Grinding away on your business but feeling like you’ve got nothing to show for it? Let’s fix that. With expert advice and a financial strategy tailor-made for you and your goals.
Turn your hard work into lasting financial freedom.
Building wealth isn’t just for those with millions in the bank. It’s achievable, even if you’re just starting out. But you need more than a one-size-fits-all plan. And that’s why you feel stuck.
Information on the internet can only get you so far and, the truth is, some financial planners will only take you seriously if you’re already sitting on a mountain of cash.
But we’ve got the missing link to your financial success: a clear, personalised roadmap that grows with you. With a combination of smart investments, insurance, tax strategies, and diverse assets (including property), you can build and maintain your wealth long-term.
The earlier you start, the more wealth you accumulate. It’s as simple as that. What are you waiting for?
How we grow and protect your wealth.
Four pillars, one plan. Each one is a service you can read about on its own, and none of them works as well on its own as it does inside the others.
Specialists in business owners.
60-hour weeks, reinvesting every dollar, relentlessly grinding to grow – we see you. With custom strategies and a plan for lasting growth, we help you turn business success into personal freedom.
ExploreFinancial independence & retirement planning.
Get a detailed, step-by-step plan tailored to your timeline. We map out clear actions for today and tomorrow. So you’re set for 5, 10, or 20 years down the line.
ExploreBeyond the basics: diverse investments.
Together, we’ll build a portfolio that matches your goals, not just market trends. Using assets like shares and property where it makes sense (and avoiding where it doesn’t) to give you a balanced, resilient financial foundation.
ExploreProfessional support, whenever you need it.
From insurance to lending, rental management, accounting, bookkeeping, marketing, and branding – the LINK ecosystem connects you with experts to elevate your business and personal life, all in one place.
Explore
Why work with us?
30+ years experience.
Backed by decades of expertise, you’ll have access to proven strategies and deep industry knowledge so you can make the best decisions for your financial future.
Tailored advice.
Generic, cookie-cutter solutions don’t cut it. With tailored advice for your specific situation, you get strategies built for you – your business, your lifestyle, your future.
Your true partner.
Get expert guidance when you need it most with one-on-one collaboration an agile, responsive advisory team who adapts as your goals and circumstances evolve.
A clear master plan to get you where you want to be.
Diverse investment strategy.
Beyond shares – you’ll get recommendations that suit your objectives and help create a balanced, resilient portfolio.
Tax and cash flow optimisation.
Strategies to reduce your tax burden legally, improve cash flow, and maximise the funds available to invest in your future.
Smart risk and asset protection.
Clear risk management solutions and right-fit insurance to protect your growing wealth, family, and business (without upselling).
Profit to wealth transition.
Strategies to turn your business profits into personal wealth, ensuring your hard work builds financial security beyond your business.
That last one is the wealth half of something the group runs end to end. Getting profit out of a business well usually starts with the structure it is earned in and the borrowing layer around it - which is why LINK runs it as one named plan across accounting, lending and wealth. Profit to Wealth™, on link.com.au, sets out the whole arc, with a diagnostic that tells you which of the 2027 and 2028 changes reach you.
Meet your financial force.
Richard Leal
Managing Director · AR 327265 · BCom (FinPlan & Inv, Acc)
Richard leads the advice team and runs every LINK Wealth strategy workshop. He is an authorised representative (AR 327265) of Millennium 3 Financial Services Pty Ltd (AFSL 244252), and specialises in integrated strategies that connect property, tax, investments and superannuation: the big-picture approach the whole firm is built on.
PJ Byrne
Director · Dip FS
PJ has spent more than twenty years in life insurance and has led insurance businesses as a director and authorised representative for most of them. The Association of Financial Advisers named him one of Australia's top three advisers in 2014 and again in 2015, he has served as Queensland State Chair of the Million Dollar Round Table, and his clients have received more than $30 million in claims. Protection is his side of the table: life, TPD, income protection and trauma cover, sized against what your family and your business would actually owe.
James Webb
Director
James co-founded LINK with Chris Tinta, after years inside traditional accounting firms convinced them both that clients deserved more than a tax return and a bill at the end of the year. He is a director across the group, and the reason a LINK Wealth strategy arrives with your tax position and your lending capacity already on the table, rather than as three separate conversations with three separate firms.
Chris Tinta
Director · GradDipCA
Chris co-founded LINK with James Webb, leaving a manager's role at a chartered accounting firm to start again from nothing. He holds a Graduate Diploma of Chartered Accounting from Chartered Accountants Australia and New Zealand and directs LINK Advisors, the group's chartered accounting practice: the arm that builds and maintains the tax structure a wealth strategy has to sit inside.
Rhonda Burton
Practice Manager
JC Crusit
Client Services
Nathan Phengrasmy
Client Services
Hear from our happy clients.
The reviews page →Verify on Google →35 Google reviews at 5.0 stars.
Richard has been amazing in helping me get into a position to purchase my first home. He took the time to go through my situation in detail and help set my finances up to enable me to be better prepared for the future.
Richard was an absolute pleasure to deal with. He gave us great guidance during our insurance review and really took the time to understand what suited us best. Very knowledgeable, easy to talk to, and his team was always responsive and helpful. We also appreciated the advice around our wealth planning.
Had a great planning session with Richard recently. We gained a huge amount of insight into how we can best use the equity we have in our home and explored other methods to improve not only our immediate cashflow, but also our long term wealth. Can't wait to implement these strategies. Thanks Richard.
Richard helped me sort out my super, life insurance, plan for my first home, and set up a solid retirement plan. He is very knowledgeable and takes the time to research and explain things clearly. I now feel confident and safe that my family's future is on the right track.
Richard has been outstanding to work with. He combines deep financial knowledge with a genuinely friendly and approachable manner, which makes discussing big decisions much easier. His guidance has helped us plan confidently for the future, and his support during our recent home sale and purchase was incredibly valuable.
An appointment with Richard was the most enlightening experience I have had to date and as an elderly woman seeking retirement knowledge I have spoken to many. Richard's communication style was flawless, I walked away with every question answered and armed with ideas no one had ever shared with me.
I have had a bad experience with Financial Planners in the past, but Richard was excellent to work with. He provided some really helpful options for us to consider, and guided us to make some important financial decisions based on facts rather than assumptions or emotions.
Richard's understanding in investment property sets him apart from other financial planners I have ever encountered. From superannuation planning to education bonds, he explains everything thoroughly, making sure that we leave the meeting with a clear plan in hand.
We had recently met with Richard to discuss our retirement goals and the whole experience has been extremely fulfilling. Richard understood what is important to us, explaining everything in a way that we can both understand. He gives us the confidence to retire comfortably.
I recently worked with Richard & PJ to review all my insurance policies for both myself and my kids, and I couldn't be happier with the experience. Their professionalism, patience, and genuine care really stood out.
We've had an excellent experience with our financial planner, Richard. He is extremely professional, friendly, and consistently provides clear, thoughtful guidance to help us make confident financial decisions and secure our future.
Richard and the LINK Wealth team have gone above and beyond helping my family get set up here, in Australia, after moving from South Africa. I would recommend to anyone looking for sound financial advice.
Richard was great to talk too, he is extremely professional, friendly and provided me with great options.
Thank you Richard for an amazing discussion and pointers towards estate planning, super management and financial strategy. It has given us a lot to think about and we'll certainly be recommending LINK Wealth to our friends and family.
Richard has been an absolute game changer for us. He's not only brilliant at what he does, but he genuinely cares about our family's goals and future. Every meeting leaves us feeling clearer, more empowered, and excited about the path ahead. And Britt deserves her own shout-out! She is always so welcoming, patient, and on top of everything - and her coffees are second to none. Couldn't recommend the LINK Wealth Advisors team more highly, they've been exceptional!!
We've had another great experience with the team at LINK. My husband and I are looking at doing some strategic financial planning regarding super, insurance and investments. I contacted our accountant Chris to discuss and he put us in touch with Richard to get a second opinion. We were really happy with how efficient Richard was in responding to our queries and all the advice on our future plans.
I recently had the pleasure of using Link Wealth's services for a full insurance review, and I couldn't be more impressed. Richard took the time to go through everything in detail - life insurance, income protection, and all the fine print - making sure everything was up to date and aligned with my current needs. I now feel incredibly secure and confident in my financial protection. That kind of peace of mind is priceless.
We recently sat down with Richard to review our personal insurance and couldn't be happier with the experience. He was professional, approachable, and explained everything in a way that made sense - even the more complex parts of our cover. We left feeling confident, informed, and very well looked after.
We recently had Richard and PJ review our existing insurance policies, and the experience was nothing short of excellent. Richard's depth of knowledge in risk and wealth planning, PJ's experience and sense of humour, and Joy's attention to detail and warm approach made for a truly well-rounded team.
Decided it was time to review my insurances to make sure I was protected. Richard was professional and knowledgeable and would highly recommend you give him a call!
We’ve had an excellent experience with our financial planner, Richard. He is extremely professional, friendly, and consistently provides clear, thoughtful guidance to help us make confident financial decisions and secure our future. Most recently, his advice was invaluable during the process of buying and selling our home. We couldn’t recommend Richard more highly. Thank you!
What a difference a conversation with LINK Wealth can make! We met with Richard recently after contemplating for the longest time on whether we really needed help from a professional financial planner. Richard was very genuine and shared great insights to optimising our personal wealth, especially as a young family. We left the meeting feeling more informed about our life choices and confident with making financial decisions ahead. Thank you, Richard and team!
Eddie and the team have provided fantastic support and service to our family. Their knowledge and expertise has enabled a very smooth process, I highly recommend them.
We’ve had another great experience with the team at LINK. My husband and I are looking at doing some strategic financial planning regarding super, insurance and investments. I contacted our accountant Chris to discuss and he put us in touch with Richard to get a second opinion. We were really happy with how efficient Richard was in responding to our queries and all the advice on our future plans.
My wife and I met with Richard to discuss our financial position. Richard's understanding in investment property sets him apart from other financial planner I have ever encountered with. He also understands the importance of making sure our kids are covered too. From superannuation planning to education bond, he explains everything thoroughly, making sure that we leave the meeting with a clear plan in hand. I appreciate his work and would recommend him to anyone.
I was fortunate to be recommended to both Richard and PJ for their Finance and Insurance advisory services. Both of them helped greatly with reviewing my personal situation in both areas, and options that would help me manage future risks that insurance policies would cover, and sourcing and structuring the best deal to have the right insurance that would also help me out with my after tax cashflow. Richard’s expertise really shines as someone that knows the options and strategies available across a wide spectrum of financial situations. And tactics that help achieve financial related goals. Whether it is wealth creation, family planning, Superannuation, or whatever else it is that you desire. Within 3 months, I already experienced positive changes to my personal situation that has allowed some of my outgoing after tax costs get restructured so I am able to retain more each month, provide manageable and achievable short-term goals that will lead to the long-term goals in terms of financial milestones (E.g. Savings targets, Share portfolio). A financial advisor also helps as a mentor and accountability coach. Regular touch bases ensure that things are on track, and how to pivot as things change. It’s early days, but things have improved for the better. And I’m confident in both Richard and PJ. A big thanks to them for everything. Cheers.
Obtaining advice from financial professionals can be confusing to say the least, then there’s the trust factor. An appointment with Richard was the most enlightening experience I have had to date and as an elderly woman seeking retirement knowledge I have spoken to many. Richard’s communication style was flawless, I walked away with every question answered and armed with ideas no one had ever shared with me. In addition, I received a detailed email of everything we discussed with further expansion on options that were too complex to retain at the meeting. I couldn’t recommend Richard more highly.
Andrew F is awesome to deal with. Every experience with link has been professional. I would recommend LINK to any sized business.
Andrew at Link Advisors has been a great support to me and my business with consistent and efficient service. I am always confident that Link has the best interest of my business in mind when making recommendations and offering advice. I highly recommend the services of the team at Link!
Andrew and the team have actively help me get a handle on my businesses and guided me through some difficult situations, would recommend for any type or size of business.
We’ve been with Link Advisors for around a year now and are quite happy with their services. They have a great team of accountants who provide exceptional service, promptly addressing all enquiries and ensuring our finances are accurate and compliant. I highly recommend Link Advisors.
Andrew and Link Advisors have been handling tax matters for me for nearly five years now. They provide an exceptional service. Unlike some other firms, their tools and processes are extremely efficient. A+++
I can not fault the service I get from Andrew and the team! It always a pleasure.
Great and professional service. The response to questions is always thorough and timely.
Andrew and Lwin take great care of all our accounting and book-keeping requirements which leaves us free to get on with business. Highly recommended team at Link
I've been a customer with Link Advisors for over 2 years and they've provided an outstanding service. A modern accountancy firm that uses the latest tech. I can concentrate on running my business without worrying about the paperwork. Highly recommend.
Been using Link for all my accounting needs for the life of my Business. They are always available and have never let me down. Great knowledge base and a good bunch of people to work with.
Could not be happier with the expertise and service from Link Advisors. Alejandra is a pleasure to deal with, and has done a brilliant job looking after our tax affairs for the past two years. Every detail is covered and explained thoroughly, the whole process has been seamless. Highly recommend!
Link are an absolute pleasure to work with. They are always so helpful in arranging everything, and the team just get things done. Small or big, they have helped out with all things accounting and business.
Very happy with Dante! He has been very helpful, patient and always fast and competent in his service. Thank you!
Chris and the team is very professional and easy to deal with!
Link advisors really made a difference in our business, their systems and communication are outstanding! Their always keeping us updated. Thank you guys for your good work. Already recommended you to my fellow business owners. Alex & Dave
Insights from the team.
Plain-English guides on debt recycling, super, property and building wealth in Australia.
Insights
Is Negative Gearing Actually Dead? Not Even Close.
Case study
Scott bought his business premises with his super.
Case study
Tailored wealth strategies: why personalised advice matters more than ever.
Frequently asked questions.
Where is LINK Wealth based?
Our financial advisors are based at Level 1, 57 Berwick Street, Fortitude Valley in Brisbane, and we work with clients across Australia in person and online.
Who do you help?
We specialise in business owners and professionals who want to turn business success and strong incomes into personal wealth: retirement planning, investments, superannuation and SMSFs, property, tax-effective structures and personal insurance.
How much does financial advice cost?
Your first consultation is free and no-obligation. Our strategy workshops are $660 including GST, backed by LINK's Value Guarantee: if you don't walk away with clear, actionable insights, we refund you in full. Ongoing advice is quoted up front once we understand your situation. If you just want free general guidance first, the government's Moneysmart.gov.au is a good place to start, and our advice cost guide publishes the industry-wide fee ranges.
Are you licensed?
Yes. Richard Leal (AR 327265) and Link Wealth Pty Ltd (CAR 1312767) are authorised representatives of Millennium 3 Financial Services Pty Ltd (ABN 61 094 529 987), AFSL 244252.
Wealth is just the start.
Part of LINK - nine specialist teams across business, property and wealth.
Innovative solutions. Unmatched service. Delivered as promised.
Your path to financial freedom is waiting.
The first step is a free, no-obligation consultation. We'll get to know you and your goals. Let's get started.
Call us
(07) 2101 4377Find us
Level 1, 57 Berwick Street, Fortitude Valley 4006
5.0 · based on 35 Google reviews