Invest Smarter Grow Faster

Go Slow to Go Fast: Why Strategy Matters More Than Products with Frank Lin

Episode Summary

In this episode of Invest Smarter Grow Faster, Julian sits down with Frank Lin — Certified Financial Planner, SMSF Specialist, and Director of XIN Wealth — to talk about what really sets strategic investors apart. Frank shares his journey from first-generation immigrant to trusted advisor, and explains why strategy, not products, is the key to long-term financial control. From the psychology of decision-making and the power of habit, to the common traps in SMSFs and why succession planning shouldn’t wait until you're 70 — this episode is packed with insight. If you’re ready to go beyond basic finance and start thinking like a true strategist, this one's for you.

Episode Notes

[00:00] Why every decision today shapes tomorrow
[01:00] Meet Frank Lin: background and philosophy
[02:30] Frank’s origin story: immigration, study, and stumbling into finance
[06:00] Becoming a Certified Financial Planner and SMSF Specialist
[08:00] The “Doctor Strange” mindset: simulating outcomes for clients
[10:00] Frank’s view on AI and constant learning in finance
[12:00] Strategy over products: what clients really pay for
[14:00] Emotions vs logic in financial decisions
[17:00] SMSFs: myths, mistakes, and setting them up the right way
[22:00] The real minimum balance you need for SMSF property
[24:00] Why cash flow is everything (especially in property)
[26:00] Insurance: the misunderstood pillar of smart planning
[30:00] Industry fund insurance vs advisor insurance – pros and cons
[34:00] Succession planning: why it starts earlier than you think
[39:00] The financial habits of the truly wealthy
[42:00] Why action beats overthinking — and how few actually take it
[44:00] Wrap-up: how to get in touch with Frank

About Frank:
Frank Lin is the Director of XIN Wealth and a Certified Financial Planner® with over 12 years of experience helping families achieve financial freedom. With deep expertise in SMSFs, superannuation, insurance, and tax planning, Frank is passionate about delivering strategic, high-quality advice tailored to each client’s needs.

As an SMSF Specialist Advisor (SSA®), Frank specialises in growing and protecting wealth through smart planning, investment strategies, and family wealth succession. His success is driven not just by knowledge, but by a genuine dedication to supporting clients with care and clarity.

Whether it’s building a long-term financial roadmap or navigating complex financial decisions, Frank’s mission is to empower families with confidence, peace of mind, and a secure financial future.