05 · SMSF

An SMSF gives you control. It also makes you responsible.

A self-managed super fund often holds some of the largest assets a business owner will accumulate.

Run properly — established correctly, accounted for annually, audited and considered alongside the wider position — that control is an advantage. Run loosely, it becomes an expensive obligation.

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[ Why an SMSF enters the conversation ]

Super stops being background noise once the balance is serious.

Most owners start in a retail or industry fund and barely look at it. Then the balance grows — or the business starts paying real super — and the questions change.

Where is it invested? Should the premises the business trades from sit inside it? How does it interact with the company, the trust and the family?

An SMSF answers those questions by putting the decisions in your hands. In exchange, the fund becomes your obligation: accounts, returns, an annual audit and rules that are actually enforced.

[ When an SMSF usually comes up ]

The conversation rarely starts with super. It starts with a situation.

The balance has outgrown the default fund.

Super is now one of the largest assets the family holds — and it deserves more attention than an annual statement.

Buying the premises the business trades from.

Business real property held inside super can be a considered long-term position — when the structure, accounting and tax are right from day one.

Bringing an existing fund back up to date.

Returns, accounts and audit caught up after a period of drift — then kept that way, year after year.

Moving across from retail or industry super.

Establishment, ATO registration and rollovers handled in the right order, with nothing left in limbo between funds.

Approaching pension phase.

The accounting and tax side of contributions, transition-to-retirement and retirement-phase pensions.

Deciding whether the fund still earns its keep.

A clear-eyed look at cost against benefit — and orderly wind-up administration where an SMSF no longer makes sense.

[ What we cover ]

The technical foundation of the fund — done accurately, on time, by people who specialise in it.

01SMSF establishment — trust deed, ATO registration, bank account and rollover coordination
02Annual accounting and financial statements
03SMSF annual return and tax
04Member statements and reporting
05Independent audit coordination
06Contributions and rollovers — from an accounting and tax perspective
07Pension-phase accounting
08Business real property in super — the accounting and tax side
09Wind-up administration

[ Considered alongside the rest ]

The fund shouldn't sit in a drawer, separate from everything else.

An SMSF interacts with the company, the trust, the owners and the estate. Contributions affect business cash. The premises affect the lease. The pension affects the family.

Because the same team handles the business and personal tax work, the fund is looked at in that context — administered as part of one position, not in isolation.

One position, seen whole.

[ A clear boundary ]

The accounting and tax work is ours. Financial-product advice is licensed work.

Where advice is needed on whether to establish a fund, what the fund should hold, or insurance inside super, that advice must come from an appropriately licensed financial adviser.

Our role is the establishment administration, accounting, tax and audit coordination — and we work alongside licensed advisers whenever that advice is required.

Let's see what an SMSF looks like alongside your position.

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