SMSF Setup, Tax & Audit
What We Do
Self-managed superannuation funds give members direct control over their retirement savings and investment strategy. With that control comes compliance obligations — annual accounts, tax returns, audit requirements, and regulatory reporting to the ATO.
We handle the administration and compliance side of SMSF management — from fund establishment through to annual returns, investment compliance, pension phase management, and wind-up. Our role is to ensure the fund meets its obligations under the Superannuation Industry (Supervision) Act 1993 and ATO requirements, so trustees can focus on investment decisions.
SMSFs are regulated entities. Trustees are personally responsible for compliance. Getting the administration right is not optional — ATO penalties for non-compliance range from education directions to fund disqualification.
What This Covers
SMSF Establishment
Trust deed preparation, ATO registration, ABN/TFN application, corporate trustee setup, and bank account establishment.
Annual Administration
Preparation of annual financial statements, member statements, and operating statements for the fund.
SMSF Tax Returns
Preparation and lodgement of the annual SMSF return including income tax, member contributions, and regulatory reporting.
Audit Coordination
Engagement of approved SMSF auditors, preparation of audit files, and management of audit queries and compliance findings.
Contribution Management
Monitoring concessional and non-concessional contribution caps, excess contribution planning, and Division 293 tax.
Pension Phase Management
Account-based pension setup, minimum pension calculations, commutation strategies, and transfer balance cap monitoring.
Investment Compliance
Review of investment strategy documentation, in-house asset rules, related party transactions, and arm's length requirements.
LRBA Compliance
Limited recourse borrowing arrangement documentation, loan compliance, and ATO reporting requirements.
SMSF Wind-Up
Fund wind-up process, final accounts, benefit rollover or payment, ATO notification, and trust deed termination.
Why It Matters
An SMSF is one of the most tax-effective structures available in Australia — but only when administered correctly. Contribution caps, pension rules, investment restrictions, and reporting obligations change regularly. A fund that was compliant last year may not be this year if changes haven't been addressed.
The cost of getting SMSF compliance wrong is significant — not just in penalties, but in the potential loss of the fund's concessional tax treatment. Proper administration protects the tax benefits that make an SMSF worthwhile.
Our Approach
Our SMSF administration follows a structured annual cycle:
Fund Setup or Onboarding
Establishing a new SMSF or onboarding an existing fund, reviewing the trust deed, and establishing our administration process.
Ongoing Record-Keeping
Maintaining investment records, contribution tracking, pension payment records, and transaction processing throughout the year.
Year-End Processing
Preparing annual financial statements, calculating taxable income, and reconciling member balances.
Tax Return & Lodgement
Preparing and lodging the annual SMSF return with the ATO, including all member and regulatory components.
Audit & Review
Coordinating the independent audit, addressing any findings, and providing trustees with a compliance summary.
Applied Across Industries
SMSF clients come from every industry — the common thread is a desire for control over retirement savings and investment strategy.
Mining
SMSF administration for mining professionals, FIFO workers, and mining business owners
Healthcare
Medical practitioners, dentists, and allied health professionals with self-managed funds
Professional Services
Lawyers, engineers, and consultants managing retirement through SMSFs
Real Estate
Property investors using SMSFs for direct property investment and LRBAs
Technology
Tech founders and professionals with equity-based wealth transitioning to superannuation
Financial Services
Finance professionals seeking direct investment control through self-managed funds
Discuss Your SMSF Requirements
Whether you are establishing a new SMSF or need administration for an existing fund, we can discuss how our SMSF services apply to your situation.