The Best Financial Advisors and Planners in Gold Coast
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Home | The Best Financial Planners In Gold Coast
The Gold Coast’s median house price above $1.17 million, strong population growth, and rental costs well above the national average have increased financial pressure for many households. As one of Australia’s fastest-growing non-capital cities, it attracts affluent professionals, business owners, and retirees who require structured financial planning to manage wealth, superannuation, and property decisions effectively.
A qualified Gold Coast financial adviser can help you navigate investment strategy, retirement planning, tax considerations, and long-term wealth management with greater clarity. Industry research consistently shows that Australians who seek professional financial advice report stronger financial confidence and improved retirement preparedness compared to those managing complex decisions alone.
We independently reviewed and identified a recommended shortlist of Gold Coast financial planners who meet our professional and ethical benchmarks. Our goal is to help you choose with confidence by highlighting advisers who demonstrate experience, integrity, and consistent client satisfaction.
Our Selection Standards
✓ Minimum 5 years industry experience
✓ ASIC licensed and verified
✓ CFP® or equivalent advanced qualifications
✓ Strong client reviews
✓ Clean compliance record
✓ Ongoing professional development
All advisers independently verified through ASIC records. Last review: February 2026.
Financial advice can be particularly valuable in a high-growth, property-driven region like the Gold Coast where financial decisions often involve significant assets.
Consider Professional Advice If You:
☑ Are within 5 to 10 years of retirement
☑ Have substantial superannuation but no clear strategy
☑ Recently received an inheritance or financial windfall
☑ Own a business and require succession planning
☑ Earn a high household income with complex tax considerations
☑ Are navigating divorce or separation
☑ Are considering establishing an SMSF
☑ Need Age Pension optimisation strategies
☑ Are planning for aged care or downsizing
Not sure? Many Gold Coast financial planners offer an initial consultation at no cost, allowing you to explore your options before committing.
| Adviser | Experience | Key Specialisation | Languages |
|---|---|---|---|
| Andre Dirckze | Holistic Financial Planning, Wealth Strategy, SMSF & Lending Integration | English | |
| Rachael Glover | Retirement Planning, Superannuation Strategy, Personal Insurance | English | |
| Hugh Robertson | Goals-Based Financial Planning, Investment Strategy, Estate Planning | English | |
| Scott Everingham | Investment Management, Retirement Strategy, SMSF Advice | English | |
| Amanda Cassar | Superannuation & SMSF, Aged Care Strategy, Retirement Planning | English | |
| Ellie Fordham | Holistic Financial Planning, SMSF Strategy, Superannuation Planning | English | |
| Aaron Alston | Wealth Management, Investment Strategy, Estate Planning | English | |
| Morgan Hayward | Life Transition Planning, Wealth Management, Business Succession | English | |
| Kearsten James | Independent Financial Planning, Wealth Creation, SMSF Strategy | English |
Advisor Since: 2004 | experience | LinkedIn
Advisor Since: 2000 | experience | LinkedIn
Advisor Since: 2001 | experience | LinkedIn
Advisor Since: 2015 | experience | LinkedIn
Certified Financial Planner®, M AppFin, GDip FP
As Head of Wealth at Liston Newton Advisory, Peter focuses on strategic wealth management for high-net-worth individuals and families. With over 20 years in financial planning, he combines portfolio oversight, estate coordination, and risk strategy within a structured process that begins with a detailed strategy session. He is an experienced financial adviser for those seeking disciplined, long-term wealth management on the Gold Coast.
Areas of Expertise: Portfolio management, risk management, investment management, wealth accumulation, independent financial advice, estate planning, aged care, insurance
Typical Clients: High-net-worth individuals, Families, Pre-retirees, Professionals, Business owners
Key awards: Australian Accountants Awards – Boutique Firm of the Year, 2025 Finalist, SMSF Adviser – Multi-Service Firm of the Year, 2018 Winner
>> Read Peter Rambert’s profile
Retiring in Next 5 Years → Scott Everingham, Amanda Cassar, Rachael Glover, Ellie Fordham
Need: superannuation drawdown strategy, transition to retirement planning, portfolio risk adjustment, tax-efficient income structuring
High Net Worth ($2M+) → Aaron Alston, Andre Dirckze
Need: portfolio construction, tax strategy coordination, estate planning structuring, asset protection strategy
Want to Establish SMSF → Amanda Cassar, Scott Everingham, Rachael Glover, Ellie Fordham, Andre Dirckze
Need: SMSF setup advice, compliance obligations, investment selection within super, contribution strategy
Business Owner → Andre Dirckze, Morgan Hayward, Aaron Alston
Need: business succession planning, cash flow structuring, tax planning, personal wealth integration
Property Investor → Andre Dirckze, Rachael Glover, Amanda Cassar
Need: loan structuring, equity utilisation, tax implications of property, property within super strategy
Major Life Transition (Divorce, Inheritance, Business Sale) → Morgan Hayward
Need: asset division strategy, inheritance planning, capital allocation decisions, risk restructuring
Aged Care Planning → Amanda Cassar
Need: aged care funding strategy, RAD and DAP structuring, pension eligibility assessment, estate coordination
Professionals Building Wealth → Ellie Fordham, Rachael Glover, Kearsten James
Need: cash flow optimisation, super contribution strategy, long-term investment planning, insurance structuring
Medical Professionals and Executives → Kearsten James
Need: complex income structuring, tax planning, asset protection, long-term retirement strategy
Financial advice fees vary depending on complexity, asset levels, and the scope of services required. Gold Coast pricing generally sits around the national mid-range, with some firms offering structured fixed-fee models.
Comprehensive Financial Plan: $3,000–$5,000
Includes strategy development, superannuation review, investment recommendations, cash flow analysis, risk assessment.
Ongoing Advice: $3,000–$4,500 per year
Includes annual review, portfolio monitoring, strategy adjustments, access to adviser support.
Single-Issue Advice: $1,000–$2,500
Includes specific strategy such as super contribution advice, retirement income modelling, or insurance review.
SMSF Setup: $2,000–$5,000
Includes establishment advice, compliance setup, investment structure guidance.
Hourly Consultation: $300–$550
Includes targeted advice sessions and second opinions.
Some ongoing investment management fees may be tax deductible where advice relates to income-producing investments. Initial plan preparation fees are generally not tax deductible. Always confirm with your adviser or accountant.
Fees typically range between $3,000 and $5,000 for an initial plan. Ongoing advice usually costs between $3,000 and $4,000 per year, with hourly rates from $300 to $550 depending on experience and complexity.
Gold Coast fees are broadly consistent with other major cities. Many advisers offer fixed-fee structures for retirement planning, SMSFs, or property-focused advice. An initial consultation is often provided at no charge so you can understand the scope and pricing before proceeding.
Yes, $500,000 is typically sufficient to benefit from professional advice. Many advisers work with clients who have between $300,000 and $1 million in investable assets.
With this level of capital, a financial planner can help structure superannuation, manage investment portfolios, and develop a tax-aware retirement strategy. You do not need to be ultra-wealthy to receive comprehensive personal financial advice.
All financial advisers must be licensed and listed on ASIC’s Financial Adviser Register. You can verify credentials here:
https://moneysmart.gov.au/financial-advice/financial-advisers-register
Look for recognised qualifications such as Certified Financial Planner (CFP®) status or a Graduate Diploma in Financial Planning. Membership in the Financial Advice Association Australia indicates commitment to professional and ethical standards.
Yes, advisers can provide strategic guidance on property within your broader financial plan. While they do not act as real estate agents, they can advise on loan structuring, tax considerations, risk management, and how property fits into retirement planning or SMSF strategies.
Given the Gold Coast’s strong property culture and rising values, structured advice can help ensure real estate decisions align with long-term wealth goals.
Many leading advisers are based in the southern suburbs. Varsity Lakes, Robina, Mermaid Beach, and Palm Beach host a strong concentration of financial planning firms.
You will also find advisers in Surfers Paradise, Sanctuary Cove, Isle of Capri, and Runaway Bay. Virtual consultations are widely available, allowing access to expert advice across the broader Gold Coast region.
Location is less important than finding an adviser whose experience and approach align with your needs.
Most financial planners now operate through secure video conferencing, digital document sharing, and hybrid service models. This means you can work with a Gold Coast adviser even if you live interstate or in regional Queensland.
The key is fit, expertise, and communication style rather than physical proximity.
1. Shortlist two to three advisers
2. Book initial consultations
3. Compare fee structures and service models
4. Assess communication style and personal fit
5. Begin structured financial planning
The best financial adviser is not simply the most credentialed or the least expensive. It is the professional who understands your circumstances, communicates clearly, operates with integrity, and has experience relevant to your goals.
For many households, the cost of delaying important financial decisions can exceed the cost of quality advice.
Selection Process: We independently assess financial advisers against licensing, qualifications, experience, compliance history, and client feedback. We may receive listing fees but do not accept referral commissions.
What You Should Do: Review adviser profiles carefully, verify credentials via ASIC, and speak directly with advisers to determine suitability for your personal circumstances.
Feedback: If you have feedback regarding any listed adviser, please contact us through our website.
All advisers independently verified through ASIC records. Annual reviews conducted. Last review: February 2026.
Disclaimer: This directory provides general information only and is not financial advice. All advisers listed are independent businesses. We receive listing fees but do not accept referral commissions. Verify credentials independently before proceeding.
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