Proof From Readers Like You
“This book is pure gold. It finally makes sense of all the financial jargon.”
— CB
“It’s a much better investment than another $5,000 exercise with a financial planner.”
— AL
Daniel Brammall, creator of 'The Independent Planning-for-results Method'
Meet Daniel Brammall
Hi! I’m Daniel Brammall. For the past 30+ years, I’ve been a financial advisor, and since 2009, the founder and President of a national not-for-profit dedicated to helping consumers get impartial and reliable financial advice. It’s been my mission to empower people by creating certainty about their financial future through advice that is unbiased and not clouded by hidden agendas or indecipherable fees.
Meet Daniel Brammall
Daniel Brammall, creator of 'The Independent Planning-for-results Method'
Hi! I’m Daniel Brammall. For the past 30+ years, I’ve been a financial advisor, and since 2009, the founder and President of a national not-for-profit dedicated to helping consumers get impartial and reliable financial advice. It’s been my mission to empower people by creating certainty about their financial future through advice that is unbiased and not clouded by hidden agendas or indecipherable fees.
P.S. Summary of this ultra-long page for those who hate reading ultra-long pages …
For over three decades, I've been helping people execute the 'Planning & Results' framework to help them optimize their finances and bulletproof their future. This method has been so successful that I've now developed it into a book format that you can put to work for yourself. For just AUD $7 you can have this valuable method that shows you, step-by-step, what you need to do to get the same results for you and your family, complete with examples and do-it-for-yourself exercises. AND, if you order today, I’ll include two extra bonuses – a specially designed workbook to make doubly sure you put the ideas into motion for yourself, plus an audiobook version for listening on the go.
You can try the book and bonuses for 1 full year. If you don’t like them for whatever reason, I’ll refund you the AUD $7
You’ve Worked Too Hard to Retire in Doubt
Here’s the framework that takes the guesswork out — so you can enjoy it with clarity, confidence, and control.
You’ve built more than most — decades of work, smart decisions, and sacrifices.
But the next decisions? They matter the most. One wrong move could:
Shorten how long your wealth lasts
Limit what you can enjoy while you’re still healthy
Leave you with late-stage regrets you can’t undo
That’s why I wrote Swimming With Sharks.
It gives you the Independent Planning-for-Results Method — a proven framework that shows you exactly what’s safe to spend, what needs protecting, and how to make your one shot at retirement truly count.
The Questions That Keep You Awake at 3am
Will it last? Do I really have enough?
Whether you’re still working or already retired, that question never disappears — because the future always feels like a moving target.Am I missing opportunities?
The trips, the renovations, helping the kids… without clarity, every choice feels like a gamble. So you delay, and the best years slip away.Should I ease off work now, or push through a few more years?
For many pre-retirees, this decision feels heavier than ever — and the wrong call can cost you both money and time.Is it safe to spend more now, or will we regret it later?
For retirees already in it, that second-guessing steals the joy from the lifestyle you worked so hard for.
These aren’t “nice to know” questions. They decide whether you live retirement fully — or cautiously watch life pass by.
The Difference Independence Makes
Most advisers make their money selling products. I don’t.
No commissions. No kickbacks. No hidden fees. Just transparent, independent advice where your interests come first.
It’s why I co-founded the Profession of Independent Financial Advisers and created the Gold Standard of Independence™ — to raise the bar for advice in Australia.
That independence is why thousands of Australians have trusted me to help them organise and protect their financial lives.
Why This Book, and Not Another “Retirement Guide”?
Most advice is tied to product providers. It looks iindependent, but behind the curtain it’s built to keep someone else paid.
Swimming With Sharks is different. It’s the exact process I use with private clients who hold $5–15M portfolios — and now it’s available to you in a $7 book.
The Independent Planning-for-Results Method
So how do you stop second-guessing and start making confident retirement decisions?
The answer is the framework at the heart of this book.
I call it the IP4R Method. It’s the same 3-stage framework I use with my private clients.
It shows you exactly:
What’s safe to spend this year — and what isn’t
Which parts of your wealth need protecting
How to align cash flow, wealth, tax, estate, and risk into one clear picture
No jargon. No sales pitches. Just clarity.
Picture This
Andrew & Melissa’s Story
Andrew and Melissa had spent years trying to get their finances organised. They’d seen multiple advisers, paid thousands in fees, and still felt like they were spinning their wheels.
In Andrew’s words:
“We have tried connecting with a number of financial advisors, just to be disappointed with expensive fees and no results. Feeling like we’ve gone backwards.”
Once they stepped into our process, that cycle broke. Hidden opportunities emerged, a safe path became clear, and for the first time they felt genuine peace of mind about their future.
The $8M Couple’s Story
Another couple I worked with were already retired, with more than $8 million in assets. On paper, they looked bulletproof.
But every decision came back to the same worry:
“If we take that big trip now… what if we regret it later?”
When we mapped out exactly what was safe to spend and what needed protecting, everything shifted. They booked the trip, helped their daughter with a home deposit — and finally stopped second-guessing themselves.
That’s what clarity does. It turns hesitation — before or after retirement — into confidence and freedom.
What You’ll Learn Inside
The 5 pillars of retirement planning — explained simply
How to build your own Retirement Opportunity Fund (so big spends don’t feel risky)
How to avoid hidden industry traps that drain your wealth
Why the biggest risk isn’t markets — it’s uncertainty (and how to solve it)
This isn’t a dry finance textbook. It’s straightforward, cheeky at times, and designed to give you clarity without financial fog.
Proof From Readers Like You
“I also believe you have thought more deeply about these subjects than most financial advisers. I particularly found your Value Chain exercise useful, to revalidate what I see my purpose being.”
— John, Melbourne, VIC
“I’ve found your approach both different and refreshing. The way you laid out the fundamentals — like the ‘house with five rooms’, the timeline of family, and the ‘must-haves’ — gave us real clarity and direction. The workbook has been a valuable companion. Overall SWS has been a refreshing, low-cost tool that took a different approach than I had anticipated, in a good way.”
— Ian & Jackie, Kew, VIC
“This was a structured way to discuss things we don’t tend to discuss. We’re both on the same page now. Transformational.”
— C&M, Beaumaris, VIC
Why Listen to Me?
For 30+ years, I’ve guided families with $5–15M portfolios through every market cycle, legislative shift, and industry fad.
I literally wrote the books: Swimming With Shark and Shattering the Crystal Ball Myth.
Across decades of work, I’ve seen what actually helps families retire with confidence — and what leaves them second-guessing.
30+ years. Two books. Hard-won lessons. What I’ve learned, I’ve put in these pages — so you can benefit without the noise and the guesswork.
Choose Your Option
Get the book alone or the premium bundle.
Digital copy — $7.00 aud
Swimming With Sharks eBook
BONUS: 4-Hour Audiobook
BONUS: Companion Workbook
Bundle — $20.00 aud
Everything in the Digital Book option
BONUS #1: Your Retirement Questions, Answered – an exclusive recorded session where I tackle the toughest reader questions and share straight, practical answers you won’t hear from the financial industry
BONUS #2: Your Family Timeline – a focused resource that shows how to line up your financial plan with real-life milestones, so your strategy stays simple, clear, and actionable
365-Day “No Regret” Guarantee
If the book doesn’t give you more clarity than you’ve ever had before, just email me within a year. I’ll give you a full refund. No awkward questions.
One Shot. Three Questions.
At the end of the day, retirement always circles back to the same three:
Will it last?
Am I missing opportunities?
How do I make my one shot count?
Within a week of reading Swimming With Sharks, you’ll know exactly what’s safe to spend — so you can enjoy more now, without fear or regret later.
