How We Help Set Up Your SMSF
Here’s a clear breakdown of our expert-guided process, from your first consultation to investing.
We handle all the complexity, making your journey to financial control simple and compliant.
Initial Consultation
We start with a no-obligation chat to understand your financial goals, discuss the responsibilities of being a trustee, and confirm if an SMSF is the right choice for you.
Fund Establishment
We prepare all legal documents, including the Trust Deed and Corporate Trustee setup. We then register your fund with the ATO to obtain an ABN and TFN.
Bank Account & Rollover
We help you open a dedicated bank account for your SMSF. Once active, we manage the process of rolling over your existing superannuation balances into your new fund.
Investment & Compliance
With your funds consolidated, you can begin implementing your investment strategy. We provide ongoing support with administration and compliance to keep you on track.
SMSF Setups
Take control of your retirement savings with our streamlined, hassle-free process for establishing a Self-Managed Super Fund (SMSF). We manage the entire setup, from establishing your Special Purpose Corporate Trustee to registering your fund with the ATO, making sure it is correctly structured and fully compliant from day one.
Property in Super
Use your super to purchase residential or commercial property. Our experts specialise in setting up the entire compliant investment structure for you, including the required Bare Trust and Limited Recourse Borrowing Arrangement (LRBA), so you can invest with confidence.
An SMSF is your own private superannuation fund that you manage yourself. It gives you direct control over your investment decisions and retirement savings. An SMSF can have between one and six members, who are all responsible as trustees.
The main advantages are control and flexibility. With an SMSF, you can:
- Directly control all investment decisions.
- Invest in a wider range of assets, including direct property, certain collectibles, and cryptocurrency.
- Implement tailored tax strategies to maximise your retirement savings.
- Pool family assets by having up to six members in one fund.
- Potentially reduce fees for larger super balances (typically over $250,000).
The entire process, including establishing the Trust Deed, setting up a bank account, and rolling over funds from your existing super account, typically takes 4-6 weeks. This can vary based on the processing times of the ATO and your existing fund.
While there is no official minimum, the Australian Securities and Investments Commission (ASIC) suggests a balance of at least $200,000 to make an SMSF cost-effective compared to other types of funds. We recommend a starting balance closer to $250,000.
Yes, this is a popular strategy. You can use your SMSF to borrow money for a property purchase under a strict ’limited recourse borrowing arrangement’ (LRBA). The property must be for investment purposes only and meet the ‘sole purpose test’ of providing retirement benefits to members.
As a trustee, you are legally responsible for managing the fund according to superannuation law. Your key duties include:
- Acting in the best financial interests of all members.
- Creating and regularly reviewing a documented investment strategy.
- Keeping comprehensive records and arranging an annual audit.
- Lodging an annual tax return with the ATO.
Taxation
Navigate superannuation tax with confidence. We help you legally minimise tax and maximise your returns, ensuring your fund remains fully compliant with all ATO regulations.
Administration
We handle your fund’s daily administration and compliance, including all record-keeping and annual reporting. This frees you to focus on what matters most, your investment strategy.
Audits
Gain peace of mind with our mandatory annual audit. Our independent, registered auditors verify that your fund’s financial statements and compliance are accurate, protecting you from potential ATO penalties.
Pensions
Transition to retirement with a clear strategy. We assist with setting up Transition to Retirement (TTR) and Account-Based Pensions, helping you access your super benefits tax-effectively and efficiently.