Self-managed super
An SMSF should solve a problem, not create another one.
An SMSF can provide control and flexibility, but it also brings cost, responsibility and strict rules. We help you decide whether the structure genuinely improves your position and, if it does, how to use it well.
Is an SMSF right for you?
Not one balance threshold.
The answer is not based on one balance threshold or a desire to buy property. We consider the likely benefits, costs, trustee capability, investment strategy, liquidity, diversification, insurance, estate planning and the alternatives available through other super funds.
SMSF advice across the lifecycle
From suitability to ongoing strategy.
Establishment and structure
Suitability, trustee structure, rollovers, investment strategy and implementation sequencing.
Property and limited recourse borrowing
Advice on how an acquisition and borrowing strategy may sit within the fund, alongside independent legal, tax and credit input.
Contributions and reserves
Concessional and non-concessional contributions, carry-forward opportunities and timing considerations.
Pensions and retirement
Moving toward retirement income while managing liquidity, tax settings and minimum pension requirements.
Insurance and estate planning
Consider cover, binding nominations, trustee control and coordination with legal documents.
Ongoing strategy
Review whether the fund remains suitable as balances, members, investments and family circumstances change.
Property
Property is only one part of the decision.
An SMSF property strategy has to work after finance costs, expenses, liquidity requirements, contribution limits and concentration risk are taken into account. For business owners considering commercial premises, the interaction between the operating business, the fund, lease terms and related-party rules also needs careful coordination.
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