Overwhelmed by Superannuation and Retirement Planning? You’re Not Alone

If you’re in your 40s or 50s and starting to think seriously about retirement, you’re probably asking some important questions.

Am I on track for retirement?
Is my superannuation invested the right way?
Am I making smart investment choices for the future?

For many Australians, the challenge isn’t earning income or saving consistently. It’s the complexity of superannuation, retirement planning and investment descisions. When everything feels complicated, it can be difficult to know where to start or who to trust.

At Dolfinwise, we work with people who have built solid foundations yet still feel unsure about their next financial steps. And that uncertainty is completely understandable.

Why Superannuation and Retirement Planning Feels So Complicated

Superannuation is one of the most powerful tools available for building retirement wealth, but it’s also one of the most complex.

Rules change regularly. Contribution caps shift. Investment options can feel overwhelming. On top of that, tax planning, market volatility and major life events like inheritance, redundancy or divorce all add layers of complexity.

It’s common to feel confused about questions such as
How much superannuation do I actually need for retirement?
Am I taking the right level of investment risk?
Could I be saving more tax legally and effectively?
What does a realistic and comfortable retirement look like for us?

These are not simple decisions and they deserve more than generic advice or guesswork.

The Risk of Putting Financial Decisions on Hold

When retirement planning feels overwhelming, many people delay making decisions. But doing nothing can quietly impact your long term financial security.

Without a clear strategy, you may miss opportunities to reduce tax, optimise your superannuation investments or align your wealth with your retirement goals. Over time, uncertainty can also lead to stress, second guessing and a lack of confidence about the future.

Clear financial advice doesn’t just improve outcomes. It provides peace of mind.

Simplifying Superannuation and Investment Decisions

At Dolfinwise, we believe financial advice should feel empowering, not intimidating.

Our approach to wealth management and retirement planning is built around clarity, education and collaboration. We take the time to understand your current situation, your priorities and the lifestyle you want in retirement.

From there, we help you develop a clear and strategic plan that brings together superannuation advice, investment planning, tax considerations and retirement income strategies in a way that feels structured and manageable.

A Clear Retirement Strategy With Ongoing Support

Financial planning is not a one time decision. Life changes, markets move and your goals evolve.

That’s why our role doesn’t stop at creating a plan. We provide ongoing advice and support to help you stay on track, adjust when needed and feel confident in your decisions at every stage.

With the right guidance, complexity turns into clarity and uncertainty turns into confidence.

Take the First Step Towards Clarity

If superannuation, investments or retirement planning feels more complicated than it should be, you don’t have to navigate it alone.

At Dolfinwise, we help you make informed, confident decisions about your financial future with clarity and care.

Book a complementary consultation with our team today and start building a retirement strategy that feels clear, considered and aligned with your goals.

Because your financial future should feel well planned, supported and secure.

Topical Information

DolFinwise Pty Ltd

Dolfinwise is an authorised representative of Paragem Pty Ltd (AFSL no.297276).

Liability limited by a scheme approved under Professional Standards Legislation.

Jason Bragger

Jason is a founding partner of Dolfinwise. He is well known in the Financial Planning industry being a regular media contributor and has featured in publications such as the Australian Financial Review, Independent Financial Adviser Magazine and Professional Planner amongst others.

Jason has been the Superannuation topic expert for the Financial Planning Association (FPA) and was a member of the FPA’s Policy and Regulations committee.

Jason commenced his financial services career in the Actuarial department of National Mutual and has completed Actuarial studies alongside his Applied Mathematics Degree. In 2007 Jason achieved his Certified Financial Planner™ designation (an internationally recognised standard and the Financial Planning Association’s highest professional designation).

Jason has advised a diverse range of successful clients in Australia and overseas for the last two decades but specialises in successful business owners, and pre and post retirement planning for professionals.

In his spare time Jason is a married father of two sports loving boys. He is also Secretary of Wynnum Manly District Cricket Club.

Howard Querido

As one of the founding partners of Dolfinwise, Howard knows money is not everything, but having it lets you do more, give more, and worry less.

And he believes a good life is underpinned by financial security. With the right advice, you can make smart decisions with your money and rest easy knowing that you and your loved ones will be ok, no matter what.

Regardless of your age, in life things happen. Some planned and others unexpected, but almost all will require financial decision making.

Whether it’s planning a stress-free retirement or educating the kids, sailing the seas bound for Alaska or preserving your legacy for future generations, Howard’s specialty is to help you make it happen. This way, those tricky life decisions become less scary and those things you’ve dreamed of can become a reality.

Equipped with the money smarts, notable accolades and an impressive and diverse career in financial services and management, no matter what decision you’re facing, Howard and his team have got you covered.

Advising on all areas including wealth creation, risk management, investment planning superannuation, pre-retirement and retirement planning, and estate and aged care planning.

On a personal note, as an ex-army officer, Howard maintains his fitness through a range of outdoor and sporting activities, volunteers as the secretary of the Albany Creek GPS Junior Rugby Club and is a member of the Queensland Justices Association. He is happily married to Lauren and is kept on his toes by his three beautiful children.

To find out more about Howard, the man who can help you get more out of your money and your life, click here.

Bronnie Abraham

Bronnie has been at Dolfinwise for 15 years in various roles including Senior Paraplanner and Practice Manager, providing her with a broad understanding of clients needs. She has been a licensed Financial Planner since 2013 and is now a director and proud part-owner of Dolfinwise.

Bronnie holds a Bachelor of Commerce majoring in both Financial Planning and Accounting. Whilst completing her Bachelor degree at Griffith University she was awarded an FPA bursary for her outstanding achievements as a student.

She is a Certified Financial Planner™, which is internationally recognised as the highest qualification in Financial Planning. While completing her Certified Financial Planner™ designation, Bronnie was the winner of the 2017 Gwen Fletcher Memorial Award for being the highest performer in the program.

Bronnie has also been appointed as a Commissioner for Declarations for the State of Queensland and completed additional specialist training to provide advice in relation to complex areas such as self-managed superannuation funds (SMSFs).

Bronnie specialises in advising areas such as retirement planning, superannuation, wealth creation, personal insurance and estate planning. She is passionate about making a difference to clients’ through strategic advice and empowering women to confidently take control of their financial lives.

Based in both Brisbane and the Sunshine Coast, Bronnie is a keen world traveler, and in her spare time you can often find her at the beach.

Tyler Mapri

After completing a 6-month internship with Dolfinwise in 2020, Tyler returned to Georgetown College in Kentucky, USA, where he completed his Bachelor of Finance in May 2022. During this time, Tyler won the "Most Outstanding Senior in Finance" award at his university and competed as a student-athlete for his university’s soccer team.

Upon completion of his undergraduate studies, Tyler returned to Australia and Dolfinwise, working initially as a Client Services Officer and then as a Paraplanner, supporting our financial advisers in preparing comprehensive financial plans for our clients. Building on this experience, he has expanded his knowledge by pursuing a Master of Financial Planning, which he completed in late 2023. After completing his ASIC advice exam (FASEA exam) and meeting the full requirements of the professional year, has been appointed to full authorised representative status.

Outside of work, Tyler continues to play soccer for his local club and enjoys road running with his younger brother. In his free time, Tyler can often be found exploring Brisbane's café scene with his friends and family.

Tyler is also a Justice of the Peace (Qualified) for the state of Queensland.

Latest News