Client stories
Real people. Real decisions. Real plans.
Every story here is a real Wealth Effect Group client. Business owners, families in their 40s, people a few years from retirement and retirees helping the next generation. What they faced, what we looked at and what changed.
Real client stories. Names and some details have been changed to protect privacy. Every situation is different; outcomes are not guaranteed and figures are estimates at the time of advice.
Nobody comes to us with a tidy problem. They come with a business, a mortgage, a super fund or two, a trust someone set up years ago and a feeling that it should all be working together. These stories show what that looks like in practice.
Featured story · Medical professionals
Peter and Megan: what advice is really worth
Two doctors, $810,000 of debt, an investment apartment that had gone nowhere and an inheritance on the way. Three strategies modelled over ten years, and a Value of Advice Scorecard that measures the result against the fee.
Business owners
When the business is the biggest asset. And the retirement plan.
Profitable businesses, trusts, companies and property that grew over decades. The question is how it all turns into an income you can live on.
Early 60s · metal fabrication
Andrew and Sylvia: from a $41,000 shortfall to the retirement they wanted
Little in super, a trust-owned rental and a factory owned outright. How the small business CGT concessions and an SMSF changed the projections.
Five years from retirement
Michael and Helen: closing a $6,850 a month retirement gap
Property, a commercial office and a business to exit. A seven-step Retirement Roadmap built around debt, super and the retirement concessions.
Late 40s · business owners
Patricia and Michael: putting $1 million to work before the home upgrade
A home upgrade, Division 7A loans and cash to deploy. Coordinating a family trust, bucket company and SMSF.
Surgeon and business owner
Tom and Lauren: a surgeon’s family, a second farm and the house they let go
Multiple entities, an insurance bill they felt was too high and a big property decision. Why we advised against buying more.
Approaching retirement
The ten years before work becomes optional.
Redundancies, super decisions, a move to the coast and the question everyone asks: will the money last?
Early 60s · pre-retirees
David and Melissa: making the money last as long as they do
A projection that ran out at 85. How lifetime income, a revised spending plan and a recontribution strategy changed the picture.
Mid 50s · redundancy
Jamie and Marion: two redundancies and a move to the coast
Multiple super funds, cash from a home sale and a renovation to finish. How an SMSF and pensions were set up around their plans.
Retired
Helping the next generation without risking your own.
Retirees who want to help their children now, while protecting what they have built.
Early 60s · retired
Alister and Catherine: helping the kids now without putting the money at risk
Family loans in place of gifts, and super contributions that fund insurance for their children’s families.
Families in their 40s
Busy years, big decisions.
Mortgages, school fees, super that has been left on autopilot and a first investment property. The years where small changes compound.
Late 40s · three children
Kate and Andrew: getting super, the mortgage and insurance to work together
38% of their super in cash, a 30-year mortgage and group insurance. What changed when the pieces were coordinated.
Late 40s · mortgage nearly paid
Cameron and Allie: on track to retire at 60, and aiming higher
A projection of where their current path leads, and what salary sacrifice and debt repayment could add.
Young couple · first investment
Dan and Dani: a first investment property before going to one income
Moving from two incomes to one, and using equity and lending structure to buy a first investment property.
The common thread
Different lives. The same first step.
- We start with the life you want, then work back to the numbers
- We look at the whole picture: business, structures, super, tax, debt, insurance and estate planning
- We model your current path before we recommend anything, so you can see the difference
- Projections are estimates, reviewed as life and the rules change
- If we can’t help, we’ll say so
Your story is different
Let’s look at yours.
Start with a free 15-minute chat. If it makes sense, we’ll book a 45-minute strategy session and map where you are, where your current path leads and what could change it.
General advice only. The client stories on this page and the linked articles describe advice given to particular clients at a particular time. They do not take into account your objectives, financial situation or needs, so consider whether any information is appropriate for you and read our Financial Services Guide before acting. Real client stories. Names and some details have been changed to protect privacy. Every situation is different; outcomes are not guaranteed and figures are estimates at the time of advice. Tax, superannuation and social security rules, caps and thresholds change, and some figures in older stories reflect the rules at the time. Past results are not a reliable indicator 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. See our important information.