Click through to find out some answers to some of our Frequently asked Questions, or contact us today for a non-obligatory discussion about your situation and how we could help.
Self-Managed Super Fund Management Services
Take Control of Your Superannuation Future
We specialise in setting up and helping you manage Self-Managed Super Funds (SMSFs), providing you with the expertise and ongoing support needed to maximise your superannuation benefits while maintaining compliance with complex regulations. SMSFs give you unprecedented control over where your super is invested, making them an ideal option for high-income earners, those with substantial superannuation balances, or individuals approaching retirement who want greater flexibility in their investment strategy.
Want to know more?
Why Choose a Self-Managed Super Fund?
Maximum Investment Control
Unlike traditional super funds, where your investment options are limited to pre-selected portfolios, an SMSF allows you to invest in virtually any asset class. This flexibility enables you to align your superannuation investments with your personal investment philosophy, risk tolerance, and retirement goals.
Potential Cost Savings
You can save thousands of dollars a year by managing your own fund, particularly if you have a higher superannuation balance. While SMSFs do involve setup and ongoing compliance costs, the savings on management fees and the ability to implement tax-effective strategies often result in significant long-term financial benefits.
Tax Optimisation Opportunities
SMSFs provide sophisticated tax planning opportunities not available through retail or industry super funds. From strategic timing of capital gains to pension phase tax benefits, an SMSF can be structured to minimise tax and maximise your retirement income.
Who Benefits Most from SMSFs?
High Income Earners
If you’re earning a substantial income and making significant superannuation contributions, an SMSF allows you to maximise the tax benefits of your contributions while having direct control over investment decisions.
Benefits for High-Income Earners:
- Strategic timing of concessional and non-concessional contributions
- Direct control over investment asset allocation
- Ability to implement sophisticated tax strategies
- Greater flexibility in retirement planning approaches
Individuals With High Superannuation Balances
Once your superannuation balance reaches a certain threshold (typically $200,000-$500,000), the cost efficiencies and investment flexibility of an SMSF become particularly attractive.
Advantages for Higher Balances:
- Lower percentage fees compared to retail super funds
- Access to wholesale investment products with lower fees
- Ability to invest in direct property and other alternative assets
- Greater control over investment timing and strategy
Pre-Retirees and Retirees
Those approaching or entering retirement benefit significantly from the flexibility SMSFs provide in structuring retirement income and managing the transition from accumulation to pension phase.
Retirement Phase Benefits:
- Flexible pension payment options
- Strategic management of tax-free and taxable components
- Estate planning integration
- Ability to maintain investment control throughout retirement
Comprehensive SMSF Services
SMSF Establishment and Setup
Getting your fund started with proper foundations
Setting up an SMSF involves multiple legal, regulatory, and administrative requirements. We handle the entire establishment process, ensuring your fund is properly structured from day one.
Our Setup Process Includes:
- Trust Deed Preparation – Legally compliant trust documentation tailored to your needs
- Corporate Trustee Establishment – Setting up a company to act as trustee (recommended structure)
- ATO Registration – Registering your fund with the Australian Taxation Office
- Bank Account Setup – Establishing dedicated fund banking arrangements
- Investment Strategy Development – Creating your initial compliant investment strategy
- Member Documentation – Preparing all required member agreements and declarations
Ongoing SMSF Administration
Professional management of compliance and administrative requirements
SMSF compliance is complex and constantly evolving. Our ongoing administration services ensure your fund remains compliant while you focus on investment decisions and strategy.
Administration Services Include:
- Annual Financial Statements – Preparation of compliant annual accounts
- Annual Tax Returns – SMSF tax return preparation and lodgment
- Audit Coordination – Managing the required independent annual audit
- Regulatory Reporting – ASIC and ATO reporting requirements
- Contribution Monitoring – Ensuring contribution caps are not exceeded
- Pension Management – Setting up and managing pension payments
- Record Keeping – Maintaining comprehensive fund records
Strategic Investment Advice
Maximising your SMSF investment potential
Having control over your SMSF investments is only valuable if you have access to quality investment advice. We provide ongoing strategic guidance to help you make informed investment decisions.
Investment Strategy Services:
- Asset Allocation Planning – Strategic distribution across asset classes
- Direct Property Investment – Guidance on SMSF property purchases and management
- Share Portfolio Management – Direct share investment strategies and management
- Alternative Investments – Access to wholesale and alternative investment opportunities
- Risk Management – Balancing growth potential with capital preservation
- Market Analysis – Regular market updates and investment opportunity identification
SMSF Property Investment
Specialised guidance for direct property investment
One of the most popular reasons for establishing an SMSF is the ability to invest directly in property. However, SMSF property investment involves complex rules and regulations that must be carefully navigated.
Property Investment Support:
- Property Selection Criteria – Identifying suitable investment properties
- Borrowing Arrangements – Limited recourse borrowing arrangement (LRBA) setup and management
- Compliance Management – Ensuring all property investments comply with SMSF regulations
- Property Management Coordination – Working with property managers and handling rental income
- Exit Strategy Planning – Strategic approaches to property disposal in retirement
Advanced SMSF Strategies
Estate Planning Integration
SMSFs provide unique estate planning opportunities that can benefit both your retirement income and your beneficiaries.
Estate Planning Features:
- Death Benefit Nominations – Strategic beneficiary arrangements
- Reversionary Pensions – Automatic pension transfer to surviving spouses
- Tax-Effective Wealth Transfer – Minimising tax on death benefits
- Succession Planning – Ensuring smooth fund management transition
Business Integration Strategies
For business owners, SMSFs can be integrated with business structures to create tax-effective retirement funding strategies.
Business Integration Options:
- Commercial Property Ownership – SMSF purchasing business premises
- Related Party Transactions – Compliant dealings between SMSF and business
- Succession Planning – Using SMSF as part of business succession strategy
- Asset Protection – Strategic separation of business and retirement assets
SMSF Compliance and Risk Management
Regulatory Compliance
SMSF trustees have significant legal obligations. We ensure you understand and meet all regulatory requirements to avoid penalties and maintain your fund’s compliant status.
Key Compliance Areas:
- Sole Purpose Test – Ensuring fund assets are maintained solely for retirement benefits
- Investment Restrictions – Understanding and adhering to investment limitations
- Related Party Rules – Managing transactions with related parties
- Contribution Rules – Monitoring contribution caps and timing requirements
- Audit Requirements – Preparing for and managing annual audits
Risk Mitigation
We help you identify and manage the various risks associated with SMSF management.
Risk Management Includes:
- Investment Risk Assessment – Diversification and risk analysis
- Compliance Risk Monitoring – Regular compliance health checks
- Trustee Education – Ongoing education about duties and responsibilities
- Documentation Management – Maintaining proper records and decision documentation
Is an SMSF Right for You?
While SMSFs offer significant benefits, they’re not suitable for everyone. We provide honest, objective advice about whether an SMSF aligns with your circumstances and goals.
SMSF Suitability Assessment:
- Cost-Benefit Analysis – Detailed comparison of SMSF vs. other super options
- Time Commitment Evaluation – Understanding the ongoing involvement required
- Investment Knowledge Assessment – Ensuring you’re comfortable with investment decision-making
- Long-Term Goal Alignment – Confirming SMSF strategies support your retirement objectives
Getting Started With Your SMSF
The decision to establish an SMSF is significant and should be based on a thorough analysis of your circumstances, goals, and the ongoing commitment required. Our role is to provide you with all the information you need to make an informed decision and, if appropriate, support you throughout the entire SMSF journey.
Why Choose Our SMSF Services:
- Specialised Expertise – Deep knowledge of SMSF regulations and strategies
- Comprehensive Support – From setup through ongoing management and compliance
- Strategic Focus – Not just compliance, but optimisation of your SMSF strategy
- Ongoing Education – Keeping you informed about regulatory changes and opportunities
- Integrated Approach – SMSF strategy aligned with your broader financial plan
Take Control of Your Super Future
If you’re ready to take greater control over your superannuation and potentially save thousands of dollars a year through strategic management, an SMSF could be the right solution for you. The key to SMSF success is having the right professional support from establishment through ongoing management.
Contact us to find out how we can help you set up an SMSF and discover whether this strategy aligns with your retirement goals and financial circumstances. Together, we can evaluate your suitability for an SMSF and, if appropriate, create a comprehensive plan for maximising your superannuation benefits through strategic self-management.
Contact us today to schedule your SMSF consultation and explore how greater control over your superannuation could enhance your retirement future.
Contact us today to book your initial consultation and start your financial journey.