Retirement Planning · Sydney

Retire with clarity, not confusion.

You've spent decades building your wealth. The transition into retirement is too important to leave to a call centre or a conflicted adviser. Get a personalised retirement plan from a self-licensed specialist — 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

Approaching retirement is the most consequential financial decision of your life.

"Will my money last?"

Most Australians underestimate how long retirement lasts. Without a drawdown strategy, you risk running out — or living too frugally when you don't need to.

"Am I paying too much tax?"

The difference between a good and great retirement plan can be hundreds of thousands in tax over 20+ years. Super, pension, and personal asset sequencing matters enormously.

"Can I trust the advice?"

Bank-owned and institutionally-aligned advisers are incentivised to recommend their own products. Self-licensed advice removes that conflict entirely.

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.

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 Barangaroo office.

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. 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.

★ ★ ★ ★ ★

"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.

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.
  • How far from retirement should I start planning?
    Ideally 5–10 years before your target retirement date. This gives enough time to optimise contributions, minimise tax, and structure assets for the transition. That said, it's never too late — even clients already in retirement benefit from a proper drawdown and tax strategy.
  • 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.
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 Your Free Discovery Call → Call Our Office

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