Financial advisers · Gold Coast & Melbourne
Everything you’ve built, finally working together.
Financial advice and planning for business owners, professionals and families in their forties, fifties and beyond, from our offices on the Gold Coast and in Melbourne. Your business, structures, super, tax and retirement, planned as one.
Fixed fees agreed in writing · Coordinated with your accountant · Authorised Representatives of Boston Reed Pty Ltd, AFSL 225738
Our view
Most successful Australians don’t have a money problem. They have a coordination problem. The accountant, the broker, the super fund and the insurer each do their part, and nobody is looking at the whole picture. That is the job we do.
Who we work with
Different chapters. Different questions.
Start with the one that sounds most like you.
You’re in your peak earning years
Income is high and so is the tax. The next ten years decide what retirement looks like.
You’ve built a business
A valuable business and a thin personal balance sheet is the pattern we see most. We fix the second without neglecting the first.
Retirement is on the horizon
The last decade of work is where the big decisions land. We help you make them in the right order.
You’ve stopped work
Your job now is to enjoy it. Ours is to make sure the money lasts as long as you do.
You look after patients
Long training, a late start on super, then a high income and a practice to run. Advice built around how medical careers work.
You fly for a living
Rosters, allowances, licence risk and base moves. Advice from people who understand how airline careers really run.
You run a fleet
Earthmoving, civil and plant hire owners with their wealth parked in machines. We help move some of it into your own name.
You work on the tools
You earn good money, but are you making the most of it? You run the work. We’ll look after the money.
You’re thinking about the next generation
Trusts, super, wills and family wealth, arranged so it lands where you intend and not where the default rules send it.
What you can expect
Five things you can count on.
Behind each one sits a WE. tool or process, so it is something we actually do rather than something we say.
Security
Less worry about money, today and in the years ahead.
Freedom
The confidence to make the big choices on your terms.
Simplicity
Plain English, one plan, paperwork that stays out of your way.
Support
A team that knows your story, in the good years and the curveballs.
Value
Value you can count and value you can feel, reported to you every year.
The WE. method
One plan. Six moving parts.
Every recommendation we make is tested against the rest of your financial life before it reaches you. That’s the difference between advice and a product.
Business and income
How you earn, how you pay yourself, and what the business is really worth to you.
Structures
Companies, trusts and SMSFs set up for the life you have now, not the one you had ten years ago.
Tax
Legitimate, defensible strategies coordinated with your accountant, every year rather than every June.
Super and investments
Contribution strategy, asset allocation and costs, managed with evidence instead of forecasts.
Protection
Insurance and debt structured so one bad year doesn’t undo twenty good ones.
Retirement and legacy
Income you can rely on, and an estate plan that does what you meant it to.
A note from our founder
“We sit on your side of the table. Our job is to see the whole picture, tell you the truth about it, and make sure every part of your financial life is pulling in the same direction.”
Andre Dirckze
Why families trust us
Proof, not promises.
We don’t publish testimonials or performance claims. Here is what you can check for yourself.
Licensed and accountable
Wealth Effect Group and Andre Dirckze are Authorised Representatives of Boston Reed Pty Ltd (AFSL 225738). If something ever goes wrong, you have access to AFCA.
Fees in writing, first
Every scope and fee is agreed in writing before any work starts, and our prices are set out on our fees page.
A Value Statement every year
Ongoing clients receive an annual statement of what we did against what they paid. If we can’t show the value, we’ll say so.
One coordinated team
Andre sets the strategy and stays close to every plan, with SMSF administration through our sister business WE. SMSF, lending through WE. Mortgage Solutions and accounting through our partner Altiora Advisory.
Thinking you can check
Andre’s analysis of tax, super and Budget changes is published in WE. Insights, so you can judge how we think before you meet us.
Plain English, in writing
A short summary of your advice in words you’d actually use, with secure online documents and e-signing. You should be able to explain it to your partner over dinner.
The value of advice
What good advice is actually worth.
Fees are easy to see. Value is harder, so we think you deserve to see both. Independent industry research puts a number on it, and the biggest part of it may surprise you.
5.5%
Advisers add at least this much value each year, estimates the Russell Investments 2026 Value of an Adviser Report (released 25/08/2026).
2.8%
Behavioural coaching. Staying the course when markets get loud.
1.5%
Appropriate asset allocation.
1.2%
Tax-savvy planning.
Industry research using Russell Investments’ methodology. It is an estimate across advised Australians, not a promise of results for any individual.
Free · 2 minutes · 6 questions
How healthy are your finances, really?
Six quick questions across cash flow, protection, tax, investments, retirement and family. Score yourself on the spot, then get a short personal note from our team on where to focus first.
How it works
From first conversation to a plan that runs.
A conversation
Fifteen minutes, free, no obligation. We find out what’s on your mind and whether we’re the right fit.
A strategy session
We look at your numbers, structures and goals, and show you where the opportunities and the gaps are.
Your written plan
Clear advice with every fee agreed in writing before any work starts. No surprises.
An ongoing partnership
We put the plan in place, coordinate your other professionals, and review it as life and the rules change.
WE. Insights
Thinking worth your time.
Where we are
Two offices. Clients Australia-wide.
Meet us in Melbourne or on the Gold Coast, or anywhere in Australia by video.
Melbourne
Scottish House, Level 4, 90 William Street, Melbourne VIC 3000
Gold Coast
1/7 Traders Way, Currumbin QLD 4223
For private clients
Significant wealth, coordinated as one.
WE. Private is our private wealth service for business owners, executives and families with more complex affairs. Wholesale-led, with retail clients equally welcome.
Your next step
The view is better with a plan.
Fifteen minutes is enough to tell you whether we can help, and to tell you honestly if we can’t.
General advice only. This website does not take into account your objectives, financial situation or needs. Consider whether any information is appropriate for you and read the relevant PDS and TMD before acting. Third-party research is cited for information and is not a guarantee of future results. Wealth Effect Group (CAR 424768) and Andre Dirckze (AR 395157) are Authorised Representatives of Boston Reed Pty Ltd, ABN 89 091 004 885, AFSL 225738. Accounting and tax services are provided by Altiora Advisory, not by Wealth Effect Group. WE. Mortgage Solutions is a trading name of Wealth Effect Pty Ltd ATF Wealth Effect Unit Trust, ABN 78 766 858 328, an Authorised Credit Representative (480612) of BLSSA Pty Ltd, Australian Credit Licence 391237. See our important information.