Retirement Planning · Brisbane

A Brisbane retirement plan you can actually believe in.

From our Brisbane CBD office on Turbot Street, Troy Gudgeon helps pre-retirees across South East Queensland turn decades of hard work into a retirement income that lasts. Self-licensed and fee-for-service — no bank ties, no product quotas, and no obligation.

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

The decade before retirement decides the thirty years after it.

“Will our money go the distance?”

Retirement can easily run 25–30 years. Without a modelled drawdown plan, most people either spend too fast — or live more frugally than they ever needed to.

“Are we leaving tax on the table?”

Contribution timing, pension commencement and the order you draw on assets can compound into a very large difference over a long retirement. Few DIY plans capture it.

“Whose side is the adviser on?”

Much of the advice in the market is shaped by the institution behind it. We hold our own AFSL, so the only agenda in the room is yours.

What You Get

Everything a Brisbane pre-retiree needs, in one plan.

Your strategy is modelled to your actual numbers and delivered under a best-interests obligation — not assembled from a product shelf.

Retirement Income Modelling

Year-by-year cashflow projections showing how your super, investments and Age Pension entitlements combine to fund the retirement you actually want — after inflation and tax.

Tax-Effective Drawdown Strategy

The order you draw from super, pension and personal assets changes how much you keep. We sequence withdrawals deliberately, rather than leaving it to chance.

Superannuation & Contribution Strategy

Contribution planning, fund consolidation, transition-to-retirement pensions and pension commencement — structured around the concessions available to you.

Portfolio Construction

Diversified, risk-appropriate portfolios on leading platforms (HUB24, Netwealth, BT) — built for your income needs, not a one-size model portfolio.

Age Pension Strategy

Entitlement assessment and asset structuring to make the most of the means tests — without sacrificing lifestyle or flexibility.

Estate & Legacy Planning

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

How It Works

Three steps to a retirement 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 Brisbane CBD office — Level 27, 32 Turbot Street.

Free · No commitment · Completely confidential
02

Your Personal Strategy

We model your numbers, build your retirement 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. 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
Common Questions

Answers about retirement planning in Brisbane.

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 first 30-minute conversation is at our cost. It's an honest discussion about your situation, with no pressure, no sales pitch, and no obligation to go further.
  • 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?
    Wealth Designers Advisory holds its own Australian Financial Services Licence (AFSL 562647). Advisers operating under a bank's or dealer group's licence inherit that institution's product lists and priorities — we don't. Every recommendation is based solely on what's right for you.
  • When should I start retirement planning?
    The sweet spot is 5–10 years out, while there's still time to optimise contributions, restructure assets and manage tax through the transition. But it's never too late — clients already in retirement still benefit meaningfully from a proper drawdown and tax strategy.
  • Where do we meet in Brisbane?
    Our Brisbane office is at Level 27, 32 Turbot Street in the CBD. Many clients prefer Zoom, and we advise families right across South East Queensland and nationally — your location never limits the quality of the advice.
  • What if I have an SMSF?
    Troy holds the SMSF Specialist Advisor™ (SSA™) designation — the industry's highest SMSF credential. Setting one up, restructuring an existing fund, or moving to pension phase: specialist SMSF advice is core to what we do.
Take the First Step

Let’s design the retirement you’ve earned.

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