What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Yogita Patel, Financial Adviser

Q: What is the address?

355 Scarborough Beach Road, Osborne Park

Q: What is the website?

http://www.wealthwise.com.au/our-team/

Home
Australia
Perth, WA
Yogita Patel, Financial Adviser

Having qualified with an Advanced Diploma in Financial Planning, I followed my passion to take up th

Having qualified with an Advanced Diploma in Financial Planning, I followed my passion to take up the opportunity to help clients achieve their goals.

15/07/2026

Dear followers!
Posting to let you know that I'm officially logged off since 10 July. I am incredibly grateful and excited to share that I am taking extended long service leave break.

After years of hard work, I feel immensely privileged to have earned this extended time away. To me, this break means getting a rare chance to step off the treadmill, slow down, and finally have some dedicated time to myself. I'll be using some of this space to dive head first into the unknown, travel solo, and kick some bucket list goals I set for myself some years ago.

To fully immerse myself in this adventure without distractions, I'll also be taking a break from my social media business page, so there won't be any new posts here for a while.

Time to completely unplug, embrace the journey, and enjoy this rare season of freedom. See you all when I'm back!

Leaving you with some final photos of my special place, the spectacular Perth winter beaches, as Day 1 of this mini retirement begins.

Grateful for the memories, peace and serenity.

29/06/2026

And that’s a wrap on another financial year!

I am incredibly grateful to all my clients for the opportunity to continue working together. Many of you are now well-prepared each year which means no last-minute panic (well… most of the time 😉). Of course, sometimes the unexpected still happens.

The past few weeks have brought a real buzz around the office, with the team working hard to deliver the best possible outcomes for our clients.

This time of year is all about getting everything in place before 30 June. From maximising tax deductions and reviewing super contributions, to managing capital gains and ensuring the right timing of income and expenses.

In short, it is about making sure no opportunities are missed and everything is working in your favour heading into the new financial year.

Thank you again for your continued trust and partnership - it truly means a lot.

25/06/2026

A powerful reminder about retirement investing and staying the course

One of the most rewarding parts of my role is seeing long-term strategies truly play out.

I have a client approaching 86 who commenced their pension phase in 2009 with around $495,000. Over the past 17 years, they have drawn approximately $530,000 to support a comfortable lifestyle, and today, their portfolio still sits close to $490,000.

Let that sink in.

This outcome was not about avoiding market risk. It was about understanding and managing it. Through GFC aftershocks, COVID volatility, and multiple market cycles, the strategy remained consistent, disciplined, and aligned with long-term goals:
- Stayed invested
- Maintained a diversified strategy
- Made informed, considered decisions, and not reactive ones

There is a common belief that retirement is about preserving capital at all costs. In reality, it is about balancing income, growth, and longevity.

This story is a great example of what is possible when you plan ahead, trust the process, and accept that markets will move but over time, they can still work in your favour.

Retirement should not be defined by limitations. With the right strategy, it can be a phase of confidence, flexibility, and continued lifestyle enjoyment.

It is not about eliminating risk but about using it wisely.

23/06/2026

Announcement - Big Change for Property Investors Using Super

I am often asked the question about using super money to buy an investment property so this update is important.

Until now, some investors have used their super together with a loan (through an SMSF) to purchase residential property. This strategy allowed them to build wealth with certain tax advantages.

That is about to change.

The government has announced that new borrowing through SMSFs to buy residential property will be banned moving forward.

If you already have this setup, you will not be affected. If you are currently in the process of a purchase, there will be a short window to complete it

Why the change?
The aim is to:
- Close a loophole mainly used by high‑net‑worth investors
- Reduce risks inside super (borrowing increases exposure)
- Help create a fairer housing market

What this means going forward:
You can still invest in property through your super, however, you will need to use existing funds. Borrowing will no longer be an option for residential property.

So, if property via SMSF was part of your strategy, now is a good time to review your plan and explore alternatives.

17/06/2026

It has been a little quiet on here lately and for good reason.

End of financial year is always one of the busiest times, and I’ve been deep in tax planning strategies for our valued clients, making sure we are setting them up in the best possible position.

I feel incredibly grateful to be in a role where I get to help people build toward their goals and dreams. While the long days (and limited work-life balance!) can definitely be challenging, the real reward is seeing the outcomes we can achieve for our clients.

A big thank you as well to the amazing team around me - their support and collaboration make all the difference in delivering the best possible results.

Just a few more days of the final stretch before we start to see some light at the end of the tunnel!

Feeling thankful, tired, but very proud of the work we do.

28/05/2026

These are conversations I'm having so regularly with clients, prospects and friends...
Can not stress how important it is to plan ahead. No one knows what is round the corner. Yes, generational wealth will transfer, but to who? And how important is it to you whose hands it ends up in, and how long will it take?

With approximately 1 in 2 Australians having a Will, think about the potential impact you'll leave behind for loved ones without one. We hear the aftermath from family members when their loved one is gone...

25/05/2026

What is changing?

Currently, employers only need to make superannuation contributions at least every three months. This will change under Payday Super from 1st July, which aligns super payments with each pay cycle. Whether you pay employees weekly, fortnightly, or monthly, superannuation will need to be paid at the same frequency.

In addition, contributions must arrive in employees’ super funds within seven calendar days of payday.

Good news is this tighter timeframe aims to prevent the accumulation of unpaid entitlements.

11/05/2026

“Should I buy a third investment property?”

Had a client ask me this last week.

Mid‑50s, solid income, decent cash sitting in the bank, already owns two investment properties.

You would think the answer is obvious.

But when we actually ran the numbers, things got interesting.

A pretty typical Perth deal:
~$650k purchase, renting around $650 a week.

On the surface — about 5% yield.
After costs? Closer to high 3s.

Then we compared it to what her cash is earning right now… sitting quietly in a bank account at around 5%.

No tenants.
No repairs.
No vacancies.

Then came the part most people skip over:

She wouldn’t be buying it outright — she would be borrowing.

Meaning:
- she’d likely be **tipping money in each year**, not taking it out
- and her outcome now depends heavily on prices going up

She sat back for a second and said:

“Feels like I’m taking on more work and risk… for less income?”

That’s the bit that clicks for people.

Property can absolutely build wealth over time.
But adding another one isn’t always a no‑brainer… especially when you have already got exposure.

Sometimes it’s not about doing *more*.
It’s about deciding what you actually want the next dollar to *do*.

05/05/2026

The RBA has lifted rates again (+0.25%) — taking the cash rate to 4.35%.

For borrowers:
Expect pressure to remain on mortgage repayments. Rates are rising to bring inflation down, so short-term relief may be limited.

For savers:
Higher rates mean better returns on savings and term deposits, which is a positive.

Why it’s happening:
Inflation is still too high, and a strong job market plus rising energy costs are keeping prices elevated so the RBA is staying firm.

Bottom line: Higher for longer — plan cash flow carefully and review your strategy.

03/05/2026

Why behaviour matters more than money

8 years ago:
• < $400k in super
• No clear plan
• Spending most of their income

Today:
• $1.4m+ in super
• Clear retirement strategy
• Freedom of choice

Husband had retired and and the last meeting I told her: “You don’t need to work anymore.”

At 61, she’s choosing to keep working another year, not because she has to, but because she wants to.

The turning point?

Cutting just 2 coffees a week and committing to a plan. It wasn’t easy to hear at the time… but it changed everything.

This is why I believe:
Financial success isn’t about complexity, it’s about behaviour, consistency, and having someone in your corner.

Stories like this are why I love what I do. 😊

Address

355 Scarborough Beach Road, Osborne Park
Perth, WA
6017

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61423288762

Website