Business Advisory Services at CoggerGurry
Cogger Gurry • July 11, 2025
At CoggerGurry, we understand that every business is unique, with its own set of challenges and aspirations.
Our Business Advisory services are designed to provide personalised, strategic support that aligns with your goals and helps you move confidently toward long-term success.
We offer practical support in:
- Strategic Planning & Business Structuring – We help you set a clear direction for growth and resilience.
- Succession & Estate Planning – Guiding you through securing the future of your business and family wealth.
- Financial Analysis & Forecasting – Making sense of your numbers to inform smarter decisions.
- Cash Flow Management – Developing strategies to improve your cash position and future planning.
- Quarterly Business Reviews – Keeping you accountable and on track throughout the year.
Now is a great time to take stock and set your business up for the new financial year. Whether you're looking to grow, manage risk, improve profitability, or plan for succession, our advisory services can help you get clarity and take action with confidence.
Our approach is collaborative and long-term – we become part of your team. Based in Hamilton, Victoria, we bring regional knowledge, genuine relationships, and deep commercial expertise to help you and your business thrive.
To learn more or book a confidential discussion, get in touch with our team. 03)5571 0111
We’re excited to share that we’ve upgraded our client signing experience—now powered by FuseSign! This intuitive, secure platform lets you sign documents in minutes (not days), straight from any device, and is simple to use. There’s no need to download apps or remember passwords - just click the link, review your documents, and sign. With industry-leading security and a smooth, hassle-free process, signing important documents has never been faster or easier. You can find out more about FuseSign Here
As part of its re-election commitment, the Federal Government has passed legislation to reduce all outstanding HECS-HELP debts by 20%. The Bill passed the Senate on 31 July 2025 and will come into effect once it receives Royal Assent. The reduction will be applied retrospectively to student loan balances held as at 1 June 2025. While many borrowers have recently seen their loan balances increase due to the 3.2% annual indexation, the Government has confirmed that the 20% discount will be calculated based on the loan amount before indexation was applied. How the Reduction Will Work: Once the legislation is in effect, the Australian Taxation Office (ATO) will automatically apply the 20% reduction to eligible student loan accounts. Indexation will also be recalculated using the reduced loan balance, delivering further relief for borrowers. This change builds on previous reforms that now link indexation to the lower of the Consumer Price Index (CPI) or Wage Price Index (WPI), rather than CPI alone, an approach designed to ease the financial pressure on graduates. Lodging Your Tax Return: If you’re getting ready to lodge your tax return, you don’t need to delay. The ATO will automatically apply the discount in the coming months. If you’ve fully repaid your student loan since 1 June 2025, you may be eligible for a refund equivalent to the 20% discount (subject to any other outstanding tax liabilities). Other Changes to Student Loan Repayments: The legislation also introduces changes to repayment thresholds. From 1 July 2025, the minimum income threshold for compulsory student loan repayments will increase from $54,435 to $67,000, making repayments more equitable. If you have any questions about how these changes may affect you or your tax return, please get in touch with CoggerGurry today, we’re here to help. Tel: 03 5571 0111
Parliament has resumed, and we are watching closely for the introduction of the Division 296 tax Bill to the lower house. While the Government is managing a number of priorities, the extra time provides us with the opportunity to continue planning with clients who may be affected and to ensure we are ready when the legislation is finalised. Although no update has been given on whether the 1 July 2025 start date will be deferred, we’ll keep you informed as soon as there is more clarity. In the meantime, rest assured that we are monitoring developments carefully and will provide guidance and advice as soon as the position becomes clearer.
