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Justine Marquet leads the Technical Services at Allianz Retire+. She helps financial advisers and superfunds with retirement planning by offering advice, strategies, and insights that simplify complex concepts.
With over two decades in financial services, Justine has witnessed the transformation of financial services, from dial-up to data-driven. Product launches, regulatory shake-ups, tech wrecks and probably more spreadsheets than she cares to admit. Her diverse background, spanning super, wealth, insurance, and advice, means she deeply understands the financial challenges that keep people up at night and how to solve for them.
Justine has held technical leadership roles at BT, AXA (AMP), MLC Life (Acenda) and AIA and also headed up Kaplan's Professional Development business, possessing a rare long-term view of the financial and education landscape.
Justine holds a Master of Commerce (Fin. Planning) and an Advanced Diploma of Superannuation Management.

As the retirement landscape evolves, so too must the strategies we use to navigate it. With the Transfer Balance Cap rising to $2 million from 1 July 2025 and corresponding shifts in Total Super Balance thresholds, financial planners face a new wave of complexity—and opportunity. This session dives deep into the mechanics of superannuation caps and balances, focusing on how they impact clients in the decumulation phase. We’ll explore how market volatility, mortality events, and regulatory thresholds interact to affect retirement income streams, estate planning, and contribution strategies.
But this isn’t just about numbers. We know that clients in retirement respond emotionally to market movements, often in ways that defy logic. Their ability to sleep at night isn’t always tied to their wealth. That’s why we’ll also examine behavioural responses and how to use layered income strategies—including account-based pensions, annuities, and reserve management—to support a client’s hierarchy of spending while mitigating longevity, sequencing, and legislative risks.

Key takeaways:
• Understand the 2025–26 TSB and TBC changes and how they affect contribution eligibility and retirement phase transfers.
• Learn how to model the impact of market movements and death on super caps and balances
• Discover decumulation strategies that align with both financial and emotional client needs.
• Gain insights into combining income streams to create resilient, tax-effective retirement portfolios.

Learning Outcomes Attendees will learn about the following:
- Interpret and apply the 2025–26 Transfer Balance Cap (TBC) and Total Super Balance (TSB) changes
- Model the impact of market movements, death, and portfolio growth on superannuation caps
- Evaluate and implement layered retirement income strategies Design decumulation strategies that balance technical optimisation with emotional client needs
- Apply strategic thinking to manage cap limits proactively
- Communicate technical strategies effectively to diverse client scenarios

STRATEGISE: Riding the wave of super caps and balances in retirement

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