Cooee

Cooee Strategic Advice to build and retain wealth in shares and property.

31/07/2025

How a $5,500 Decision Becomes a $160,000 Mistake"

Let me show you how the wealthy think about money.

CASE STUDY

Client had $300k in non-deductible debt.

Could have made it tax-deductible.

Cost to of advice for him was $5,500

Think about this: $5,500 decision = $160,000 consequence

FRAMEWORK

Small decisions compound

Tax structure beats tax minimisation

Think decades, not years

Pay for expertise upfront

THE LESSON

The wealthy don't avoid spending money.

They avoid expensive ignorance.

Question:

Would you spend $5,500 today to keep $160,000 over the next few years?

Most won't.

Because most think short-term.

This is why most struggle to get the most out of their money.

What about you?

What about your next financial decision.

03/07/2025

The Hidden Cost of DIY Financial Planning

Let me save you from a $1M+ mistake.

REALITY CHECK

Would you perform your own surgery?

Would you build your own house?

Would you rewire your own electrical?

No.

Because mistakes could kill you.

Yet people DIY their financial future.

A mistake here doesn't kill you.

It just costs you every year for the rest of your life.

THE PATTERN

Markets crash.

DIY investors panic.

Wealth gets destroyed.

But clients with real strategies?

They stick to the plan.

They build wealth through chaos.

FRAMEWORK FOR WEALTH

Amateurs react to markets

Professionals follow systems

DIY means no system

No system = No wealth

THINK ABOUT THIS

A builder makes $150k/year

But won't build their own house

A plumber makes $100k/year

But won't do their own electrical

Why?

Because they understand the cost of mistakes.

THE TRUTH

DIY isn't free.

It's the most expensive option.

You just pay with your future.

And your families future.

02/07/2025

Most property investors are lying to themselves.

HERE'S WHY

They own properties.

But have no strategy.

Just hope.

REALITY CHECK

Most people that bought property have done well

That isn't a qualification...

Every asset needs a purpose

Every purpose needs a timeline

Every timeline needs integration

Integration needs strategy

THE TRAP

'I'll figure it out later'

Translation: 'I'm gambling with my future'

CASE STUDY

Investor owns 3 properties

Claims they're for 'retirement'

But can't answer:

Which property sells first?
What triggers the sale?
How it integrates with super?
What's the tax impact?
How it affects pension eligibility?
This isn't investing.
It's speculation.

THE TRUTH

Good properties don't build wealth

Good strategy builds wealth

Properties are just tools

Tools without strategy is luck

THINK ABOUT THIS

Would you:

Buy a hammer with no project?

Build a wall with no blueprint?

Start a business with no plan?

Then why buy property with no strategy?

"

02/07/2025

The Dark Side of Negative Gearing Your Property Investor Friends Won't Tell You About 👀

But what about the tax benefits?'

Stop.

Here's what your accountant isn't telling you about negative gearing:

Every dollar 'saved' in tax is costing you$3 in real wealth-building opportunities.

🚨 The REAL cost of negative gearing:

Kills your ability to salary sacrifice into super

Blocks extra mortgage repayments

Destroys your monthly cashflow

Limits your investment options

Translation: You're staying poor to save on tax 🤦‍♂️

THINK ABOUT THIS:

Would you rather:

A) Save$5k in tax but lose$15k in cash flow

OR

B) Have positive cashflow to build real wealth?

The wealthy focus on building assets, not minimizing tax.

⚡️ Your Next Move:

Before jumping into that negatively geared property, ask yourself:

'Where else could this money be working harder for me?'

"

Worried about the new $3 million super tax?You’re not alone, but don’t be too quick to react.The proposed Division 296 t...
01/07/2025

Worried about the new $3 million super tax?

You’re not alone, but don’t be too quick to react.

The proposed Division 296 tax has created a lot of confusion (and some panic). But if you look beyond the headlines, there’s actually time and opportunity to make smart, strategic decisions.

We’ve broken it all down in plain English — what the tax is, who it affects, and how you can plan ahead.

👉 Read the full article here:

https://thepath.cooeewealth.com.au/post/beyond-the-headlines-the-smart-investors-guide-to-division-296

If you're not sure how this could impact you — or someone you care about — we're here to help.

📩 Message us or book a time to chat.

01/07/2025

The '25X Rule': The Hidden Formula Rich People Use to Never Run Out of Money 💰
Want to know your EXACT retirement number?

Here's the simple math the wealthy use (that nobody talks about):

Take your desired yearly income...
Multiply it by 25.

That's your target. 🎯

Example:
Want $100k/year in retirement?
You need $2.5M in investments
(Excluding your home)

Why 25X works:

It's based on the 4% safe withdrawal rate

Accounts for market fluctuations

Helps your wealth outlive you

Most people are saving BLINDLY...

Without a clear target, you'll never hit it.

💡 Save this post if you want to:

Stop guessing about your retirement

Build wealth with intention

Create true financial freedom

Quick reality check:

Your house doesn't count in this equation (unless you plan to downsize).

Now you know your number, now you need a clear path to get there.

30/06/2025

Want to pay zero tax? Just quit your job...

Sounds ridiculous, right?

Yet this is the backwards logic most Aussies follow when obsessing over tax minimisation...

Here's the TRUTH: You don't actually necessarily want to minimise taxes.

What you REALLY want is to keep more of what you earn. (There's a massive difference)

🎯 Quick reality check:

High taxes = High income

No taxes = No income

The real question isn't "How do I pay less tax?"

It's "How do I build more WEALTH?"

27/06/2025

Most are panicking and pulling money out...but the smart money knows better.

Here's the truth they're not telling you 👇

25/06/2025

💰 "I need $64,000 a year for retirement" ... REALLY?

Here's the uncomfortable truth: Most people are severely underestimating their retirement needs based on generic advice that doesn't match their lifestyle.

If you're currently spending over $100,000 a year, why would you suddenly be "comfortable" with less than half that in retirement?

🎯 The key? Your retirement number needs to match YOUR lifestyle, not someone else's definition of "comfortable."

Watch this to understand why generic retirement advice could be setting you up for failure...

👉 Want a personalised retirement reality check? Let's talk. Drop a "Reality" below.

We’re proud of the relationships we build at Cooee Wealth Partners, and even prouder when those relationships lead to re...
23/06/2025

We’re proud of the relationships we build at Cooee Wealth Partners, and even prouder when those relationships lead to real clarity and confidence for our clients.
Nice work, Nithin 👏

Will the $3M Super Tax Affect You? Here's the Real StoryWe’ve been fielding a lot of questions about the proposed Divisi...
20/06/2025

Will the $3M Super Tax Affect You? Here's the Real Story

We’ve been fielding a lot of questions about the proposed Division 296 tax—and for good reason. There’s plenty of confusion and misinformation floating around.

In our latest blog, we unpack:
✔ What the new tax actually means
✔ Who’s likely to be affected
✔ What you should consider before taking action

Whether you’re well under the threshold or nearing it, planning ahead matters.
📖 Read the blog: https://thepath.cooeewealth.com.au/post/division-296-tax-separating-fact-from-fiction-in-the-3-million-super-debate

Thinking about getting financial advice — or already working with an adviser?How you approach the process can make all t...
11/06/2025

Thinking about getting financial advice — or already working with an adviser?

How you approach the process can make all the difference.

The best outcomes don’t just come from having "an adviser", they come from knowing what to focus on, asking the right questions, and having a clear plan that evolves as your life changes.

We’ve put together a simple guide to help you get the most from the advice process:

https://thepath.cooeewealth.com.au/post/how-to-maximise-value-from-your-financial-adviser



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