Self-Managed Super Funds (SMSFs)

When your investment goals or retirement objectives can’t be met through a traditional super structure. That might mean holding a specific asset, accessing a particular investment class, or building a structure that integrates with your business or succession planning. The ‘when’ is really about purpose – not just balance. 

There’s no hard number we’d point to. What matters more is whether there’s a genuine reason for the structure. A well-considered SMSF with a clear purpose can be appropriate at a range of balances – and a poorly motivated one can be a burden at any size. We’ll have that conversation honestly with you. 

The real question is whether investing in that property is appropriate for your fund’s goals and risk profile — and if so, whether an SMSF is the right vehicle to do it. We work through both parts of that question with you before any structure is established. 

Costs are directly linked to the complexity of your fund and how actively it’s managed. An engaged trustee who stays on top of their obligations tends to have a leaner, more efficient fund. We’ll give you a clear picture of what’s involved before you commit to anything. 

It can be – and for the right situation, it’s one of the most effective structures available. Holding business real property, managing contributions around irregular income, and integrating super with succession planning are all areas where SMSFs can offer genuine advantages. But it’s not a one-size-fits-all answer. We’ll look at your specific circumstances and give you a straight assessment. 

Non-compliance is rarely accidental — it tends to happen when trustees aren’t engaged or when a fund was set up without a clear plan. The ATO takes SMSF compliance seriously, and penalties can be significant. The best protection is building the structure correctly from the start, and staying proactive throughout. That’s exactly what we’re here to help with.