Services
Self-Managed Super (SMSF)
Take control of your retirement — with the compliance handled.
If you’re looking for more control over your superannuation, or an alternative to industry and retail funds, a self-managed super fund might be the right option. The trade-off is responsibility: trustees carry real legal duties, strict investment rules and annual compliance obligations. That’s where we come in.
Set up properly from day one
Getting the establishment right matters — trust deed, trustee structure (individual or corporate), ATO registration, electronic service address and rollovers from your existing funds. We handle the whole process and make sure the paperwork holds up.
Compliance, handled every year
Every SMSF must prepare financial statements, be independently audited and lodge an annual return. We manage that full cycle, track your contribution caps and pension minimums, and keep your investment strategy documentation current — so your retirement savings stay protected and your fund stays compliant.
Honest advice about whether an SMSF suits you
An SMSF isn’t for everyone, and we’ll tell you if it isn’t for you. Where your plans involve financial product advice, we work alongside appropriately licensed advisers so you get advice that’s both compliant and in your interest.
Frequently asked questions
Is an SMSF right for me?
An SMSF offers control and flexibility — including investment options like direct property — but it comes with real responsibilities and running costs. As a general guide, the larger your combined balance, the more cost-effective an SMSF becomes relative to retail or industry funds. We'll help you weigh the costs, duties and benefits for your situation before you commit.
What does SAMAF actually do for my SMSF each year?
We prepare your fund's financial statements and member statements, arrange the mandatory independent audit, lodge the SMSF annual return, and keep an eye on contribution caps, pension minimums and investment strategy documentation so your fund stays compliant.
Can my SMSF buy property?
SMSFs can invest in property, subject to strict rules — including the sole purpose test and restrictions on related-party transactions. Borrowing through a limited recourse borrowing arrangement adds further requirements. Talk to us before you commit to anything: unwinding a non-compliant purchase is expensive.
What happens if my fund breaches the rules?
The ATO can impose administrative penalties on trustees personally, and serious breaches can make the fund non-complying — with tax at the highest marginal rate. If your fund has a problem, early voluntary disclosure and a rectification plan almost always lead to a better outcome. We can help with both.
Ready to sort your finances?
Book a free, no-obligation consultation with our team — in person in one of our offices, or online from anywhere in Australia.