Self-Licensed Financial Advice · Brisbane

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.

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 Brisbane CBD office.

Free · No commitment · Completely confidential

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

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. 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 Brisbane CBD (Level 27, 32 Turbot Street) and Sydney (Barangaroo) — advises nationally via Zoom

Book a Free Call with Troy →

Troy Gudgeon

Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member

Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647

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."

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."

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."

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?

We work on a transparent, fee-for-service basis — your fee is agreed in writing before any work begins, and we don’t earn commissions on investment products. Because the right fee depends on the complexity of your situation, we discuss it openly at your free Discovery Call, once we understand your position and the value we can actually add. Fees can generally be paid from your super or investments.
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 Brisbane CBD office (Level 27, 32 Turbot Street) 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