Free Calculators · Sydney & Brisbane

Run your own numbers first.

Ten free tools for the questions that matter — how long your money lasts, what your super becomes, what your family would need. All free, none require an email address.

Book Your Free Discovery Call → Call +61 2 8526 5889
20+
Years Advising
300+
Families Helped
5.0★
Google Reviews
4.88
Adviser Ratings
★ ★ ★ ★ ★
5.0 on Google

"Troy made me feel comfortable and explained my options clearly and simply. He saved me money and put a strategy in place I am happy and confident with."

— John, 46–55 · Verified via Adviser Ratings
Self-Licensed AFSL SSA™ Designated Master of Fin. Planning Fee for Service
What You Get

A retirement plan built around your life — not a product shelf.

Every strategy is personalised, modelled to your specific numbers, and delivered under a fiduciary obligation to act in your best interests.

Retirement Income Modelling

Detailed cashflow projections showing exactly how your wealth sustains your lifestyle — year by year, accounting for inflation, tax, and Age Pension entitlements.

Tax-Effective Drawdown Strategy

Sequencing withdrawals from super, pension, and personal assets to minimise tax and maximise what you keep. The order matters more than most people realise.

Superannuation Optimisation

Contribution strategies, fund consolidation, transition-to-retirement pensions, and pension commencement — structured to squeeze every dollar from the tax concessions available to you.

Portfolio Construction

Risk-appropriate, diversified investment portfolios on leading platforms (HUB24, Netwealth, BT) — tailored to your income needs and risk tolerance, not a model portfolio.

Age Pension Strategy

Eligibility assessment and optimisation — structuring assets to maximise your entitlement without sacrificing lifestyle or flexibility.

Estate & Legacy Planning

Binding death benefit nominations, beneficiary structuring, and coordination with your solicitor — so your wealth passes efficiently to the people who matter.

Your Adviser

Self-licensed by design. Fee-for-service by choice.

Troy Gudgeon established Wealth Designers Advisory under its own Australian Financial Services Licence specifically to remove the conflicts that come with bank or institutionally-owned advisory groups. No dealer group, no product quotas — the only agenda at the table is yours.

  • 20+ years of financial planning experience across every market cycle
  • Master of Financial Planning — Kaplan Professional
  • SMSF Specialist Advisor™ (SSA™) designated
  • Member, Financial Advice Association of Australia (FAAA)
  • Self-licensed AFSL 562647 — no bank ownership, no third-party ties
  • Offices in Barangaroo (Sydney) and Brisbane CBD — advises nationally via Zoom
Book a Free Call with Troy →
Troy Gudgeon, Founding Director and Principal Adviser
Troy Gudgeon
Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member
Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647
Accredited SMSF Association Specialist
Client Reviews

What our clients say about working with Troy.

★ ★ ★ ★ ★

"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
★ ★ ★ ★ ★

"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 via 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."

V
Verified Client
Adviser Ratings · Gold Status
Take the First Step

Calculators estimate. Advice decides.

When you want your numbers modelled properly — tax, drawdown, Age Pension and all — book a complimentary 30-minute Discovery Call with Troy.

Book Your Free Discovery Call → Call Our Office

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