Transition to Retirement · Australia-wide

Ease into retirement — without easing off your lifestyle.

From age 60 you can draw on your super while you're still working. Done well, a transition-to-retirement strategy lets you wind back your hours, keep your income steady — and in many cases keep building your super at the same time.

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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

Your final working years are your biggest planning window.

“Can I afford to drop a day or two?”

You'd like to wind back, but the budget says no. A TTR pension can top up a reduced salary so your take-home income barely moves while your working week shrinks.

“Is my super working as hard as I am?”

Pairing salary sacrifice with a TTR pension can replace highly-taxed salary with concessionally-taxed contributions — for some people, that builds super faster while working less.

“When do I flick the switch?”

TTR pensions carry real rules: minimum and maximum drawdowns, tax treatment that changes at key milestones, and interactions with contribution caps. Getting the sequence right is where the value is.

What You Get

A transition strategy built around your numbers.

Whether a TTR strategy helps — and how much — depends entirely on your income, balance and goals. We model it before recommending anything.

TTR Pension Design

How much to move into a transition-to-retirement pension, what to draw, and when — structured within the minimum and maximum drawdown rules.

Salary Sacrifice & Contribution Strategy

Coordinating pre-tax contributions with your TTR income so the combined effect works in your favour — within the contribution caps.

Tax Modelling, Before and After 60

Pension payments are generally tax-free from age 60, and the treatment of fund earnings changes as you move toward full retirement. We model your position at each stage.

Cashflow & Debt Planning

Reduced hours change the household budget. We plan the mortgage, the living costs and the contingencies alongside the super strategy.

SMSF & Platform Implementation

TTR pensions work inside SMSFs and on major platforms alike. Troy is an SMSF Specialist Advisor™ (SSA™) — implementation is handled end to end.

The Path to Full Retirement

A TTR strategy is a bridge, not a destination. We map the conversion to a full retirement income stream, and the milestones that trigger it.

How It Works

Three steps to a working-less 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 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
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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 transition to retirement.

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

Book a Free Call →
  • What is a transition-to-retirement (TTR) pension?
    It's a pension started from your super while you're still working, once you've reached the eligible age. It pays you a regular income — currently between 4% and 10% of the account balance each year — which can supplement a reduced salary or work alongside a contribution strategy.
  • Who can start a TTR pension?
    Generally, anyone who has reached age 60 and is still working. You don't need to retire, reduce your hours, or tell your employer — although winding back work is the most common reason people use one.
  • Will a TTR strategy save me tax?
    It can, but not automatically. From age 60 the pension payments themselves are generally tax-free, and combining a TTR pension with salary sacrifice suits some situations very well. Investment earnings in a TTR pension are still taxed like super until you fully retire, so the strategy has to be modelled to your numbers — that's exactly what we do before recommending it.
  • How much can I draw each year?
    Between the government-set minimum (currently 4% of your balance) and a maximum of 10%. Where in that range you should sit depends on your income needs and what you want your balance to do.
  • Can I still contribute to super while drawing a TTR pension?
    Yes — and for many people that's the whole point. Contribution caps still apply, and the right mix of contributions and pension drawings is where a modelled strategy earns its keep.
  • Does a TTR strategy work with an SMSF?
    Yes. An SMSF can pay a TTR pension, with some additional administration and documentation requirements. Troy holds the SMSF Specialist Advisor™ (SSA™) designation and handles TTR implementation inside SMSFs regularly.
Take the First Step

Ready to work less and keep living well?

Book a complimentary 30-minute Discovery Call with Troy. No obligation, no pressure — just an honest look at whether a transition-to-retirement strategy fits your situation.

Book Your Free Discovery Call → Call Our Office

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