Private Financial Planning

Your partners in
building & preserving
what matters.

Institutional-grade financial advice for pre-retirees and high-net-worth Australians. Self-licensed, unconflicted, and entirely on your side.

Book a Discovery Call → Our Services
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20+
Years of Experience
300+
Families Advised
2
Capital City Offices
100%
Self-Licensed AFSL
About WDA
"Advice the way it should be — completely, unconditionally on your side."
A
AFSL 562647 Self-licensed — no product shelf, no institutional bias
S
SMSF Specialist Advisor™ SSA™ designation — specialist self-managed super expertise
M
Master of Financial Planning Kaplan Professional — highest academic qualification in advice
Our Difference

Wealth Designers Advisory was established with a deliberate purpose: to deliver financial advice without the conflicts that come with bank or institutionally-owned advisory groups. We hold our own AFSL — which means the only agenda at the table is yours.

Our founder Troy Gudgeon brings over 20 years of financial planning experience, a Master's degree, and the SMSF Specialist Advisor™ designation to every client relationship. The firm specialises in the most consequential phase of the financial lifecycle — the transition into retirement.

Whether you're five years from your target date or already in retirement, we build strategies that are precise, personalised, and built to last.

No Conflicts

Self-licensed with zero institutional product obligations

Deep Expertise

Master-qualified, SSA™-designated retirement specialists

Personal Service

A select number of clients, advised with genuine depth

Proven Results

300+ families advised, many relationships spanning decades

What We Do

Comprehensive advice.
Exceptional outcomes.

Every service delivered personally, under a fiduciary obligation to act in your best interests — without exception.

01

Retirement Planning

Designing the transition from accumulation to income — structuring your super, investments, and cashflow so your wealth works as hard as you did.

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What's Included

  • ◆Retirement income modelling & cashflow projections
  • ◆Transition to retirement (TTR) pension strategies
  • ◆Age Pension eligibility & optimisation
  • ◆Tax-effective drawdown sequencing
Discuss your retirement →
02

Superannuation Strategy

Maximising contributions, managing tax, and sequencing income through concessional strategies, pension accounts, and transition to retirement structures.

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What's Included

  • ◆Concessional & non-concessional contribution strategies
  • ◆Bring-forward & carry-forward cap utilisation
  • ◆Fund consolidation & platform selection
  • ◆Pension commencement & account structuring
Optimise your super →
03

SMSF Advice

Specialist SSA™-designated guidance on establishing, structuring, and governing your self-managed super fund for control, flexibility, and tax efficiency.

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What's Included

  • ◆SMSF establishment & trustee guidance
  • ◆Investment strategy documentation (SIS Act)
  • ◆Pension phase structuring & compliance
  • ◆Coordination with auditor & accountant
Talk SMSF strategy →
04

Portfolio Construction

Building risk-appropriate, diversified investment portfolios on leading platforms — tailored to your goals and timeline, not a product shelf.

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What's Included

  • ◆Risk profiling & asset allocation design
  • ◆Multi-manager, ETF & direct equity blending
  • ◆Platform-agnostic — HUB24, Netwealth, BT & more
  • ◆Ongoing rebalancing & performance reporting
Build your portfolio →
05

Personal Insurance

Reviewing and structuring life, TPD, income protection, and trauma coverage to protect the wealth you've built and the life it supports.

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What's Included

  • ◆Life, TPD, income protection & trauma cover
  • ◆Needs analysis aligned to your financial plan
  • ◆Inside vs outside super structuring
  • ◆Multi-insurer comparison — no product bias
Review your cover →
06

Estate & Succession

Coordinating with your legal and accounting team to ensure your wealth passes efficiently — minimising tax and protecting your legacy.

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What's Included

  • ◆Binding death benefit nomination guidance
  • ◆Trust & beneficiary structuring advice
  • ◆Coordination with estate lawyers & accountants
  • ◆Intergenerational wealth transfer planning
Plan your legacy →
Our Clients

Built for those who have worked hard — and want advice worthy of what they've built.

Pre-Retiree

Ages 50–65

Approaching the transition. Timing and structure matter enormously. Super is significant. Let's plan it properly.

High Net Worth

Established Wealth

Complex affairs requiring holistic strategy across super, investments, structures, and tax.

Business Owner

Entrepreneurs

Extracting business wealth while building personal financial security outside it.

Retiree

In Retirement

Managing drawdown, preserving capital, and adapting strategy across the retirement decades.

The Right Fit

Our clients come to us at a pivotal point — typically within five to ten years of retirement, or freshly into it. They have worked hard, made smart decisions, and built meaningful wealth. Now they want clarity, confidence, and a plan that reflects the life they've earned.

We work with a select number of families and invest serious time in each relationship. If you're looking for transactional or volume-based advice, there are lower-cost options available. If you want an adviser who will know your situation deeply, tell you the truth, and build a plan that genuinely reflects your life — we should talk.

  • Superannuation balance of $300,000 or above
  • Approaching retirement within the next 1–10 years
  • Seeking comprehensive, ongoing financial advice
  • Open to building a long-term advisory relationship
  • Located anywhere in Australia — we advise nationally
Book a Free Discovery Call →
Platforms & Funds

We work across Australia's
leading platforms, funds & managers.

Access to the full spectrum of wrap accounts, super funds, and investment managers — so your strategy is never limited by the shelf.

HUB24Wrap Platform
NetwealthWrap Platform
BT PanoramaWrap Platform
Macquarie WrapWrap Platform
PraemiumSMA Platform
MLC WrapWrap Platform
AustralianSuperIndustry Fund
Australian Retirement TrustIndustry Fund
HostplusIndustry Fund
HESTAIndustry Fund
HUB24Wrap Platform
NetwealthWrap Platform
BT PanoramaWrap Platform
Macquarie WrapWrap Platform
PraemiumSMA Platform
MLC WrapWrap Platform
AustralianSuperIndustry Fund
Australian Retirement TrustIndustry Fund
HostplusIndustry Fund
HESTAIndustry Fund
Aware SuperIndustry Fund
REST SuperIndustry Fund
UniSuperIndustry Fund
CbusIndustry Fund
Colonial First StateRetail Fund
AMP SuperRetail Fund
OnePathRetail Fund
Mason StevensPlatform
Managed AccountsSMA / MDA
SMSFSelf-Managed
Aware SuperIndustry Fund
REST SuperIndustry Fund
UniSuperIndustry Fund
CbusIndustry Fund
Colonial First StateRetail Fund
AMP SuperRetail Fund
OnePathRetail Fund
Mason StevensPlatform
Managed AccountsSMA / MDA
SMSFSelf-Managed
VanguardInvestment Manager
VanEckETF Provider
BetasharesETF Provider
DimensionalFund Manager
iShares (BlackRock)ETF Provider
PIMCOFixed Income
MagellanFund Manager
PlatinumFund Manager
PerpetualFund Manager
LonsecResearch
SchrodersFund Manager
MFSFund Manager
FidelityFund Manager
SPDR (State Street)ETF Provider
MorningstarResearch
VanguardInvestment Manager
VanEckETF Provider
BetasharesETF Provider
DimensionalFund Manager
iShares (BlackRock)ETF Provider
PIMCOFixed Income
MagellanFund Manager
PlatinumFund Manager
PerpetualFund Manager
LonsecResearch
SchrodersFund Manager
MFSFund Manager
FidelityFund Manager
SPDR (State Street)ETF Provider
MorningstarResearch
35+ platforms, funds & investment managers
Wrap Platforms · Industry Super Funds · Retail Funds · ETF Providers · Fund Managers · Research
Our Philosophy
"Your wealth is the product of decades of work, discipline, and sacrifice. The advice you receive should reflect the weight of that."

We believe financial planning is one of the most personal professional relationships you can have. It demands expertise, honesty, and genuine commitment. We don't take that lightly.

What We Stand For

The WDA principles.

  • 01

    Self-licensed, unconflicted advice

    Our own AFSL means no product quotas, no ownership conflicts, and no institutional agenda. Your interest is the only one that matters.

  • 02

    Clarity over complexity

    We explain everything in plain language. You should understand your plan — not just sign it.

  • 03

    Long-term relationships

    Our best client relationships span decades. We grow with you, adapt with you, and stay the course with you.

How It Works

A clear path from first call
to confident retirement plan.

1
Discovery Call

30-minute no-obligation conversation to understand your situation and explore the fit.

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2
Fact Find

We gather the full picture — assets, income, goals, risk, and timeline — through structured consultation.

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3
Strategy & SOA

Your personalised Statement of Advice is prepared with clear recommendations and modelled outcomes.

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4
Implementation

We execute the plan — investments, super, insurance — managing every detail on your behalf.

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5
Ongoing Reviews

Annual reviews and proactive communication ensure your plan evolves with your life and the markets.

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Troy Gudgeon — Director & Principal Financial Adviser, Wealth Designers Advisory
Troy Gudgeon Director & Principal Financial Adviser
20+ Years
Meet Your Adviser

Troy Gudgeon.
Principal Adviser.

With over 20 years in financial planning, a Master of Financial Planning from Kaplan Professional, and the SMSF Specialist Advisor™ designation, Troy brings deep technical expertise and genuine personal commitment to every client relationship.

Troy established Wealth Designers Advisory under its own AFSL specifically to remove institutional conflicts of interest — so that every recommendation made is based solely on what is right for the client in front of him.

Specialising in the retirement transition phase, Troy's practice centres on helping pre-retirees and high-net-worth Australians move into retirement with clarity, confidence, and a plan they truly understand and believe in.

Master of Financial Planning — Kaplan Professional
SMSF Specialist Advisor™ (SSA™)
Principal Adviser — WDA AFSL 562647
20+ years advising pre-retirees and high-net-worth families
Offices in Barangaroo, Sydney & Brisbane CBD
Book a Discovery Call →
The Team

The people behind
every client relationship.

Troy Gudgeon
Troy Gudgeon
Director & Principal Adviser
MFP · SSA™ · AFSL 562647
Hayley Preston
Hayley Preston
Client Services Manager
Your first point of contact for all client service needs
Natalie Anderson
Natalie Anderson
Senior Financial Planning Support
Senior administration & planning support specialist
Bridget Thompson
Bridget Thompson
Financial Planning Support
Financial planning & administration support
Client Reviews

What our clients say
about working with us.

4.88
Adviser Ratings
Clear Communication
4.83
Knowledge & Expertise
4.83
Customer Care
5.00
Likely to Recommend
4.83
Gold Status
12 verified reviews
View on Adviser Ratings ↗
5.0
Google Reviews
"The highest standard of financial advice — honest, thorough, and always in our corner."
Our clients consistently rate us 5 stars on Google for transparent communication, deep expertise, and genuine personal care.
Read Reviews on Google ↗

"It has been our absolute pleasure to have Troy as our financial advisor for approximately 11 years. Troy has consistently demonstrated diligence, professionalism, and a wealth of knowledge. He is not only a true professional but also a gentleman we regard as both adviser and friend."

KJ
Karoly & Ecaterina Josa
Long-term clients  ·  Verified · Adviser Ratings

"Troy made me feel comfortable and explained my options clearly and simply. He had a detailed and thorough approach to planning, worked with my preferences whilst presenting pros and cons. He saved me money and put a strategy in place I am happy and confident with."

J
John
46–55 years  ·  Verified · Adviser Ratings

"Working with Troy has been a game-changer for my financial future. His expertise and personalised approach made me feel confident and secure. He crafted a comprehensive plan that aligns perfectly with my needs."

JC
John & Caroline
Verified · Adviser Ratings

"Troy was great in explaining everything in a way I could understand. He was very patient — this was the first time I have ever sought help managing my finances. He is very approachable, transparent, and quite knowledgeable. I have recommended him to several friends."

C
Clem
46–55 years, Mascot NSW  ·  Verified · Adviser Ratings

"We are very fortunate to have Troy Gudgeon as our financial adviser. He is very informative and explains things in a manner we can understand clearly. Troy takes an interest in our family too. I would certainly recommend Troy to family members and friends."

AA
Aisake & Akanisi
56–65 years  ·  Verified · Adviser Ratings

"Troy was able to communicate complex financial information in a way that made it easy for me to understand. He also understood my priority for ethical investments at a level of risk that I am very comfortable with."

M
Marcia
46–55 years  ·  Verified · Adviser Ratings

"We feel very confident with Troy's advice and are happy with his management of our funds. We have already recommended his company to our friends and family."

T
Terry
65+ years, Bangor NSW  ·  Verified · Adviser Ratings

"Troy is informed, accommodating and patient. All that one needs to explain and manage something as important as super."

P
Peter
56–65 years, Rosebery NSW  ·  Verified · Adviser Ratings

"Troy is pleasant to deal with and knowledgeable about the business he is in and imparts confidence."

K
Keith
56–65 years, Castle Hill NSW  ·  Verified · Adviser Ratings

"Very professional and took the time to make sure I understood the products and services."

R
Ruben
46–55 years, Wollstonecraft NSW  ·  Verified · Adviser Ratings

"Happy with the service provided so far."

D
Deborah
56–65 years  ·  Verified · Adviser Ratings

"Troy undertook the challenge of my chaotic financial affairs with a confident and measured approach. He exhibits a very good understanding of matters of finance. In a quiet way he guides towards sensible outcomes. I would happily recommend Troy's services."

A
Anne
65+ years  ·  Verified · Adviser Ratings
View All Reviews on Adviser Ratings ↗ Review Us on Google ↗
Insights & Thinking

Thinking that helps you make better financial decisions.

Our articles cover the issues that matter most to pre-retirees and high-net-worth Australians — superannuation, tax, retirement income, and investment strategy.

View All Insights →
Superannuation  ·  March 2026

Transition to Retirement: When to switch on your TTR pension and why timing matters

→
Tax Strategy  ·  February 2026

Maximising concessional contributions before 30 June: A pre-retiree's checklist

→
SMSF  ·  January 2026

Is an SMSF right for you? What the SSA™ designation means for your fund's governance

→
Retirement Income  ·  December 2025

How much is enough? Sequencing risk and the case for a structured drawdown strategy

→
Common Questions

Answers to what we hear most often.

Not finding your question here? Our complimentary Discovery Call is the right place to ask anything at all — no obligation.

Book a Free Call →

  • Our fee structure is transparent and agreed before any work begins. Typically there is an initial advice fee for preparing your Statement of Advice, and an ongoing service fee structured as an annual retainer. We do not earn commissions on investment products. During your Discovery Call we provide a clear indication of fees relevant to your situation.

  • We hold our own Australian Financial Services Licence (AFSL 562647) — we are not aligned to any bank, insurer, or product manufacturer. There are no product quotas and no conflicted remuneration arrangements. Our only obligation is to act in your best interests, which is how advice should always work.

  • Yes. Troy holds the SMSF Specialist Advisor™ (SSA™) designation and has extensive experience advising on SMSF establishment, contribution strategy, investment governance, pension structuring, and succession. We coordinate with your SMSF auditor and accountant throughout.

  • The most impactful time is typically five to ten years before your target retirement date, when there is still time to optimise contributions, investment structure, and tax position. That said, it is never too late. Clients in retirement benefit significantly from ongoing strategy, sequencing advice, and portfolio management.

  • No. While we maintain offices in Barangaroo (Sydney) and Brisbane CBD, we advise clients nationally via video conference. Many of our strongest long-term relationships are conducted entirely remotely. If you prefer to meet in person when in either city, we are very happy to arrange that.

  • A Statement of Advice is a legally required document under the Corporations Act 2001 that sets out our recommendations to you, the basis on which those recommendations are made, and how any fees are structured. It is the foundation of your personalised financial plan and something we prepare with great care and attention to detail.

Free Resources

Financial calculators
built for clarity.

Explore your numbers before we speak. These tools provide general estimates only and do not constitute financial advice.

Mortgage Calculator

Estimate your monthly repayments based on loan amount, interest rate, and term.

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Tax Calculator

See your estimated Australian income tax, Medicare levy, and take-home pay.

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Budget Planner

Track your income against core expense categories and find your surplus.

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Compound Interest

Visualise how your savings grow over time with the power of compounding.

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Superannuation Calculator

Project your super balance at retirement based on contributions and growth.

View Calculator →

Retirement Planner

Estimate how long your retirement savings will last at your desired drawdown.

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Life Insurance Calculator

Gauge how much coverage you may need based on income, debts, and dependants.

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Net Worth Calculator

Tally your assets and liabilities to see your total financial position today.

View Calculator →

Mortgage Calculator

Monthly Repayment
Total Repaid
Total Interest
This calculator provides estimates only using a standard principal & interest formula. It does not account for fees, offset accounts, or rate changes. Not financial advice.

Tax Calculator

Estimated Income Tax
Medicare Levy
Take-Home Pay
Based on 2025–26 Australian resident tax brackets. Does not include HELP/HECS debt, private health surcharges, or tax offsets. Not financial advice.

Budget Planner

Housing
Groceries
Transport
Utilities & Bills
Insurance
Entertainment
Other
Monthly Surplus / Deficit
Income
Expenses
Annual Surplus
This planner provides a simplified budget snapshot. Actual spending will vary. Not financial advice.

Compound Interest

Projected Balance
Total Contributed
Interest Earned
Assumes compounding monthly with constant rate of return. Actual investment returns vary and past performance is not a reliable indicator of future performance. Not financial advice.

Superannuation Calculator

Projected Balance at Retirement
Employer Contributions
Investment Growth
Uses a simplified projection with constant return and SG rate. Does not account for tax on contributions (15%), insurance premiums, fees, or contribution caps. Not financial advice.

Retirement Planner

Your Savings Will Last
Total Drawn
Real Return (after inflation)
Assumes constant real return rate. Does not account for Age Pension entitlements, tax, market volatility, or changes in spending. Not financial advice.

Life Insurance Calculator

Estimated Cover Required
Income Replacement
Debt + Education
Less existing cover already in place.
This is a simplified needs-based estimate. Actual insurance requirements depend on your full financial position, existing group cover, family situation, and health. Not financial advice — speak with a qualified adviser.

Net Worth Calculator

Assets
Property
Super
Shares / Managed
Cash / Savings
Vehicles
Other Assets
Liabilities
Mortgage
Car Loans
Credit Cards
Other Debts
Total Net Worth
Total Assets
Total Liabilities
This provides a snapshot of your financial position. Values should reflect current market estimates. Not financial advice.
Where to Find Us

Two offices.
One team. Nationwide reach.

Sydney
Principal Office  ·  New South Wales
◈
Address Level 35, Tower One, International Towers
100 Barangaroo Avenue, Barangaroo NSW 2000
◉
Transport Wynyard Station (5 min) · Barangaroo Ferry Terminal (2 min)
Brisbane
Queensland Office  ·  QLD
◈
Address Level 27, 32 Turbot Street
Brisbane City QLD 4000
◉
Transport Central Station (5 min) · Roma Street precinct
Take the First Step

Ready to design
your retirement?

Book a complimentary 30-minute Discovery Call with Troy. No obligation, no pressure — just an honest conversation about where you are and where you want to be.

Book a Discovery Call → Call Our Office

Wealth Designers Advisory Pty Ltd  ·  AFSL 562647  ·  Advice prepared under the Corporations Act 2001

Wealth Designers Advisory Pty Ltd (ABN 65 652 475 886, AFSL 562647). This website contains general information only and does not take into account your personal financial situation, objectives, or needs. Before acting on any information, you should consider its appropriateness having regard to your own circumstances. You should obtain and read the relevant Financial Services Guide (FSG) before making any decision. Past performance is not a reliable indicator of future performance. Any advice is prepared in accordance with the Corporations Act 2001 (Cth) and the obligations set out in the Best Interests Duty provisions thereof.