Superannuation & Self-Managed Super Fund Services
Expert superannuation advice and comprehensive SMSF administration, compliance, and strategic planning for your retirement wealth.
Maximize Your Retirement Wealth Through Strategic Super Planning
Superannuation is one of Australia’s most tax-effective wealth-building vehicles, yet many people don’t optimize their super strategy. Whether you’re in accumulation phase building wealth or approaching retirement, strategic superannuation advice can save tens of thousands in tax and significantly increase your retirement nest egg.
For those seeking greater control and flexibility, Self-Managed Super Funds (SMSFs) offer powerful opportunities—but also come with significant responsibilities. Our comprehensive SMSF Administration and Tax services ensure your fund remains compliant while maximizing investment opportunities and tax benefits.
Our Superannuation & SMSF Services
Superannuation Strategy
Optimizing your super for maximum benefit:
- Contribution strategy optimization
- Salary sacrifice planning
- Spouse contribution strategies
- Government co-contribution advice
- Catch-up contribution planning
- Pre-retirement strategies
SMSF Setup & Establishment
Getting your SMSF started correctly:
- Suitability assessment
- Trust deed preparation
- ATO and regulatory registration
- Investment strategy development
- Bank account and TFN setup
- Trustee education and training
SMSF Administration
Complete administration and compliance:
- Annual financial statements
- Annual tax return preparation
- Member statements
- Regulatory reporting
- Record keeping and documentation
- Audit coordination
SMSF Compliance
Staying compliant with complex regulations:
- Sole purpose test monitoring
- In-house asset compliance
- Related party transaction rules
- Segregation and pension compliance
- Contribution cap monitoring
- Investment restriction guidance
SMSF Property Investment
Buying property in your SMSF:
- Property purchase structuring
- Limited recourse borrowing arrangements
- Related party purchase compliance
- Property management coordination
- Commercial property strategies
- Business real property advice
Pension Phase Planning
Transitioning to retirement income:
- Transition to retirement pensions
- Account-based pension setup
- Minimum pension calculation
- Tax-free component planning
- Transfer balance cap compliance
- Income stream optimization
Is an SMSF Right for You?
Self-Managed Super Funds aren’t suitable for everyone. Here’s what you need to consider:
SMSF May Be Right If:
- You have $200,000+ in super
- You want investment control
- You want to buy property in super
- You're comfortable with responsibility
- You want estate planning flexibility
- You have time to manage it properly
SMSF May Not Suit If:
- You have less than $200,000 in super
- You want hands-off management
- You're not financially literate
- You can't meet compliance obligations
- You're not prepared for the cost
The $200K Rule of Thumb
Generally, SMSFs become cost-effective when you have at least $200,000 in superannuation. Below this, the fixed costs (administration, accounting, audit) make SMSFs relatively expensive compared to retail or industry funds. We assess your specific situation to determine if an SMSF makes financial sense.
SMSF Investment Opportunities
SMSFs can invest in a wide range of assets, providing flexibility not available in retail funds:
Residential Property
Investment properties (not for personal use)
Commercial Property
Including business premises leased to members
Shares & ETFs
Listed securities, managed funds, ETFs
Cash & Term Deposits
Bank accounts, term deposits, high-interest savings
Collectibles
Art, antiques, wine (strict rules apply)
Alternative Assets
Precious metals, cryptocurrencies, private loans
Common SMSF Questions
How much does an SMSF cost to run?
Typical costs: $2,000-$5,000 annually including accounting, audit, administration, and compliance. Costs vary based on complexity. We provide transparent fixed-fee pricing upfront.
Can I use my SMSF to buy my business premises?
Yes, your SMSF can buy commercial property and lease it back to your business at market rates. This is a popular and tax-effective strategy. We advise on proper structuring and compliance.
What are the penalties for non-compliance?
Penalties range from warnings to fund disqualification, personal liability, and significant tax penalties. Serious breaches can result in prosecution. Professional administration ensures compliance.
Can I wind up my SMSF if it's not working?
Yes, SMSFs can be wound up and rolled back to retail or industry funds. We manage the wind-up process ensuring compliance and tax optimization.
How do I access my super in an SMSF?
Same rules as retail funds apply, generally age 60+ or meeting a condition of release. We help you transition to pension phase and optimize tax-free income streams.
Why Choose Us for SMSF Services
SMSF Specialists
Dedicated SMSF expertise with deep knowledge of regulations and strategies
Compliance Guaranteed
We ensure your fund stays compliant with all ATO and regulatory requirements
Strategic Advice
Beyond compliance, we provide strategies to maximize your super benefits
Proactive Service
We don’t just react, we proactively identify opportunities and issues
Fixed Fee Pricing
Returns lodged on time, maximizing refunds and avoiding penalties
Responsive Support
Available when you need us for queries, advice, and urgent matters
Ready to Optimize Your Superannuation?
Whether you need super strategy advice or comprehensive SMSF services, we’re here to help you maximize your retirement wealth.