Wealth99 is the platform Phil Dembon uses and recommends for cautious, long-term investors who want access to Bitcoin, tokenised precious metals, and digital assets — with institutional-grade security, an Australian Financial Services Licence, and real human support.
No obligation. Phil Dembon is available to guide you through every step of the process.
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What you'll learn
Most crypto platforms are built for traders — people who want to move fast, take big risks, and chase short-term gains. Wealth99 was built for a completely different type of investor. People who think in decades, not days. People who own property, have an SMSF, and want to add a small, strategic allocation to digital assets without the chaos, the jargon, or the sleepless nights.
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Operating to the standards of a regulated Australian financial firm (AFSL 546278). Wealth99 is fully compliant with the new Digital Asset trading regulations.
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Assets held by Zodia Custody — a bank-backed, institutionally insured custodian and subsidiary of Standard Chartered Bank. Not a software wallet. A licensed vault.
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Fiat-only withdrawals to your verified bank account. This single design decision eliminates the most common method scammers use to steal digital assets.
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Gold, silver, and platinum — backed 100% by physical metals held in secure, audited vaults. True diversification beyond traditional crypto.
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Specifically designed for self-managed super fund investors. The platform structure, reporting, and custody arrangements satisfy SMSF trustee and auditor requirements.
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Unlike most platforms that leave you to figure things out alone, Phil Dembon is your personal guide — available to answer every question.
Rather than picking individual coins, Wealth99 offers three ready-made bundles — each weighted to a specific investing objective. You can sell any individual asset within a bundle at any time.
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The gold standard of crypto investing — instant diversification across the world's most established digital assets.
60% Bitcoin (BTC) · 25% Ethereum (ETH) · 15% XRP
~169% appreciation, FY23–FY26 (1 Jul 2022 – 30 Jun 2026)*
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Exposure to five of the most promising cryptocurrencies shaping the next wave of Web3.
20% Solana (SOL) · 20% BNB · 20% TRON (TRX) · 20% Chainlink (LINK) · 20% Dacxi Coin (DACXI)
~120% appreciation, FY23–FY26 (1 Jul 2022 – 30 Jun 2026)*
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Real, physical precious metals held in secure, insured vaults — owned through digital tokens.
70% Tokenised Silver · 30% Tokenised Gold
~174% appreciation, FY23–FY26 (1 Jul 2022 – 30 Jun 2026)*
*Figures are indicative calculations by Legacy Wealth Education, based on the public market price movement of each bundle's underlying assets over the stated period, assuming a fixed allocation with no rebalancing. These are not published or verified by Wealth99. Past performance is not indicative of future results.
Wealth99's fee structure is straightforward and transparent. Two fees. Nothing hidden. No performance fees, no withdrawal fees, no account setup costs.
0.95%
Trading Fee
Applied to each buy or sell transaction. The only cost when you trade.
0.95% + $1/mo
Annual Membership (AUM)
Covers insured Zodia custody and dedicated specialist support from Phil Dembon.
No account setup fees. No withdrawal fees to your bank account. No minimum balance requirements.
The process is straightforward. Phil Dembon is available to guide you through every step — you are never on your own.
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Use Phil Dembon's referral link to open your account. This ensures Phil Dembon is assigned as your dedicated specialist from day one.
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Standard KYC — your name, address, date of birth, and a copy of your ID. Typically takes 5–10 minutes and is processed securely.
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Fund your account via bank transfer in Australian dollars. No minimum deposit requirement. Start with whatever you are comfortable with.
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Browse the available assets and make your first purchase. Bitcoin, Ethereum, tokenised gold — Phil Dembon can help you think through your options.
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From account setup to ongoing questions about your portfolio, Phil Dembon is available to help. You are not alone in this — that is the whole point.
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Click the button below to open your Wealth99 account using Phil Dembon's referral link. This ensures you are set up with Phil Dembon as your dedicated specialist from day one — so you always have someone to call. Not ready yet? Start with a free Discovery Call.
Questions? [email protected]