Self-Licensed Financial Advice · Sydney

Financial advice that's actually on your side.

Most Australians never find out whose interests their adviser really serves. Wealth Designers Advisory is self-licensed — no bank ownership, no dealer group, no product quotas. Comprehensive advice across retirement, super, investments, insurance, and estate planning, built around one agenda: yours.

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
The Challenge

Choosing the right adviser is the most consequential financial decision you'll make.

"Is my adviser conflicted?"

Bank-owned and institutionally-aligned advisers are incentivised to recommend their own products. Self-licensed advice removes that conflict entirely — every recommendation serves you, not a product shelf.

"Do I have a real plan?"

Scattered super accounts, ad-hoc investments, and a vague idea of "someday" isn't a plan. A real plan models your numbers, sequences your decisions, and adapts as your life changes.

"Am I on track?"

Most people genuinely don't know. Without proper modelling, you can't tell whether you're ahead, behind, or quietly paying more tax than you need to — until it's expensive to fix.

What You Get

Comprehensive advice across every part of your financial life.

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

Retirement Planning

Income modelling, tax-effective drawdown sequencing, and Age Pension strategy — a retirement plan built on your actual numbers, not rules of thumb.

Superannuation Strategy

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

SMSF Advice

Specialist self managed super fund advice from an accredited SMSF Specialist Advisor™ (SSA™) — establishment, investment strategy, compliance, and pension phase.

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.

Personal Insurance

Life, TPD, trauma, and income protection — the right cover at the right level, structured tax-effectively inside or outside super.

Estate & Legacy Planning

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

How It Works

Three steps to a financial plan you understand and believe in.

01

Discovery Call

A free, no-obligation 30-minute conversation about where you are and where you want to be. Zoom, phone, or in person at our Barangaroo office.

Free · No commitment · Completely confidential
02

Your Personal Strategy

We model your numbers, build your financial plan, and present it in plain language you can actually understand — not jargon-filled documents.

Typically 2–3 weeks · Statement of Advice included
03

Implementation & Ongoing Care

We execute the plan, manage your portfolio, and review it every year as your life changes — so you stay on track without worrying.

Annual reviews · Direct access to Troy always
Your Adviser

Self-licensed by design. Unconflicted 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 65 652 475 886 · AFSL 562647
Accredited SMSF Association Specialist
Client Reviews

What our clients say about working with Troy.

★ ★ ★ ★ ★

"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."

V
Verified Client
Verified via 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 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
Common Questions

Answers about working with us.

Not finding your question here? The Discovery Call is the right place to ask anything — no obligation.

Book a Free Call →
  • Is the Discovery Call really free?
    Yes, completely. The initial 30-minute call is at our cost. It's an honest conversation about your situation — no pressure, no sales pitch, and no obligation to proceed.
  • How much does financial advice cost?
    Our fees are transparent and fee-for-service. Initial advice starts from $1,650 for simple situations to $5,500 for complex cases. Ongoing service fees range from 0.55%–1.01% p.a. depending on portfolio size. Fees can generally be paid from your super or investments — we'll explain everything upfront.
  • What does "self-licensed" mean for me?
    We hold our own Australian Financial Services Licence (AFSL 562647) directly. Unlike advisers who operate under a bank's or dealer group's licence, we have no product quotas, no approved product lists, and no institutional conflicts. Every recommendation is based solely on what's right for you.
  • Who do you typically work with?
    Our clients are mostly pre-retirees and high-net-worth Australians — typically 45–65 — though we advise across all life stages. If your situation needs specialist help we don't provide, we'll say so honestly and point you in the right direction.
  • Do I need to come to your office?
    Not at all. While our Barangaroo (Sydney) office is available for in-person meetings, most clients meet via Zoom. We advise clients nationally — your location doesn't limit the quality of advice you receive.
  • What if I have an SMSF?
    Troy holds the SMSF Specialist Advisor™ (SSA™) designation — the industry's highest SMSF credential. Whether you're setting up an SMSF, restructuring an existing one, or transitioning to pension phase, specialist SMSF advice is a core part of what we do.
  • Do you advise on insurance?
    Yes. Personal insurance — life, TPD, trauma, and income protection — is part of comprehensive advice. We review what you hold, what you actually need, and how to structure it tax-effectively inside or outside super.
Take the First Step

Ready to design your financial future?

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 Your Free Discovery Call → Call Our Office

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