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You are about to make financial decisions you cannot undo.
Independent, evidence based retirement planning for high net worth Australians, delivered through the WealthSpan™ system, for longer lives and complex financial structures.
WealthSpan™ - Make your wealth last as long as your life.
Daniel Brammall
Independent WealthSpan adviser, licensed independent financial adviser in Australia, and multi discipline coordinator.
Author of The WealthSpan Advantage, Swimming With Sharks, and Shattering the Crystal Ball Myth
Four decades advising high net worth Australians.
My role is to coordinate the moving parts of your financial world so your cash flow, structures, and investment decisions work together across the next 30 to 40 years. This is independent financial planning and retirement planning for high net worth individuals, not product distribution.
A confidential consultation to clarify your position, surface unseen risks, and explore your options for a long retirement.
Longer lives magnify every financial decision you make.
This is the reality of retirement planning in Australia for high net worth families.
Your financial world is interconnected,
but your advice is not.
Traditional thinking assumes:
Retirement at 60 to 65
Life expectancy around 85
Steady returns
Simple structures
Predictable timelines
None of that reflects the world high net worth Australians now live in, or the reality of complex retirement planning.
Your SMSF affects your trust strategy.
Your business exit affects your tax outcomes.
Your property decisions affect your future liquidity.
Your portfolio risk affects your sequence of returns exposure.
Your longevity affects everything.
Without a coordinated system, you receive fragmented advice and make irreversible decisions in isolation.
A long life requires a unified approach that coordinates tax, insurance, trust, investment, cash flow, and more.
How do you make irreversible financial decisions with confidence, not guesswork?
Because when advice is one dimensional and influenced by products, incentives, or predictions, it cannot give you the direction and confidence you need.
If you are asking how long your money will last in retirement, how long your super will last, or whether your current retirement planning strategy is enough, you need a different standard of advice.
A modern planning discipline for long,
complex financial lives.
WealthSpan™ is a decision making system designed for Australians with multi structure wealth and long horizons.
It combines longevity science, risk architecture, evidence based investing, and probabilistic modelling into one coordinated framework.
It does not try to predict the future.
It prepares you for the range of futures your life may encounter.
This is independent retirement planning for high net worth Australians whose financial lives involve SMSFs, trusts, and companies.
The Core Components:
Full Spectrum Forecasting
Models thousands of potential futures using real world volatility, not linear assumptions. This goes far beyond standard SMSF retirement planning calculators.Longevity Aligned Planning
Designs a financial life that remains resilient across decades, not years.
IP4R Decision Architecture
Integrates your Cash, Wealth, Tax, Legal, and Risk decisions into one coherent system.
Evidence Based Investing
Applies decision rules grounded in academic research and the six laws from Shattering the Crystal Ball Myth.
Independent
No commissions. No affiliations. No product incentives.
Just clear, conflict free thinking.
This is not traditional retirement planning.
This is WealthSpan™.
A calm, structured system for confident decision making.
Three-step framework:
Stage 1 - Clarity
A complete view of your financial world across all structures, entities, timelines, risks, and obligations.
This foundation removes blind spots and exposes hidden interactions.
Stage 2 - Reverse Blueprinting
Start with the life you want.
Then architect the financial structures, safeguards, and investment philosophy that support it.
Stage 3 - Execution
A disciplined implementation process that avoids predictions, noise, market narratives, and emotional decision traps. This is the core of the WealthSpan Advantage program, the flagship way we deliver independent financial advice.
Clarity replaces confusion.
Structure replaces stress.
High stakes decisions demand genuinely independent thinking.
No commissions
No product sales
No institutional influence
No embedded incentives
No conflicts, ever
WealthSpan™ only works when your advice is completely free from commercial pressure. Once a recommendation is tied to a product or platform, it becomes distribution, not advice.
Independence is not just an ethical stance.
It is a strategic advantage that allows you to make decisions with clarity, not influence.
This is what independent financial advice and independent financial planning are meant to be.
Independent. Evidence based. Conflict free.
Smarter decisions. Protected wealth.
Confidence that lasts decades.
Outcome grid:
Understand how long your wealth and super may realistically last in retirement
See risks before they become problems
Coordinate SMSFs, trusts, property, and investments into one strategy
Make decisions without relying on forecasts
Strengthen tax, legal, and structural outcomes
Simplify your estate and intergenerational planning
Replace uncertainty with clarity and calm execution
This is not about beating the market.
It is about living the next 30 to 50 years with confidence, structure, and control, supported by independent financial advice that is built for a longer retirement.
If you have ever wondered “will my super last in retirement” or “are we missing something important”, this is the work we do.
Retirement income planning becomes clearer when it sits inside a coherent WealthSpan plan.
I created WealthSpan™ to solve the challenges
no one else was solving.
For four decades, I have worked as an independent financial adviser, helping Australians navigate the financial decisions they only get one chance to make.
I founded Brocktons Independent Advisory, co founded the Profession of Independent Financial Advisers, created the Gold Standard of Independence, and wrote three books on financial clarity and evidence based decision making.
This work has culminated in WealthSpan™, a planning framework designed for Australians with long lives, complex wealth, and irreversible financial choices. It is high net worth retirement planning that coordinates all the moving parts, rather than treating them in isolation.
Creator of WealthSpan Planning and the WealthSpan Advantage program
Independent adviser in Australia
Author of three books
Forty years specialising in complex, multi structure wealth
Developer of Full Spectrum Forecasting
Adviser and trainer to independent practitioners nationwide
I do not predict the future. I help you prepare for the range of futures you may face.
What clients say
“Daniel helped us see risks we did not even know existed.”
“For the first time, our SMSF, trusts, and investments finally work together.”
“We now understand how long our wealth may realistically last and which decisions matter most.”
“The clarity changed everything.”
Confidence and clarity begin with a single conversation.
If you are approaching retirement, managing multiple structures, or navigating major financial transitions, a Private WealthSpan Consultation is the smartest place to begin.
It is a calm, pressure free conversation about the decisions you are facing and how to navigate them with clarity, structure, and confidence.
If you find yourself asking how long your money will last in retirement, how long your super will last, or whether your current adviser is even asking the right questions, this is where we start.
No products. No forecasts. No pressure.
Just clear thinking.