Take Control of Your Retirement: A Guide to Self Managed Super Funds

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If you're considering taking the reins of your retirement savings, self managed super funds offer a tailored vehicle that puts you in control. But they’re not for everyone—and understanding both benefits and responsibilities is key.
At SF Advisory, Melbourne-based specialists deliver expert guidance on setting up and managing self managed super funds effectively. Their advisory services include help with choosing the right trustee structure (individual or corporate), crafting the investment strategy, ensuring compliance, and navigating SMSF borrowing rules for property investment—all backed by licensed adviser support.

Why Consider an SMSF?

Unparalleled control and flexibility: SMSFs allow you to invest across a wide spectrum of assets—direct equities (local and international), term deposits, alternative assets like gold or art, and even residential or commercial property via limited recourse borrowing arrangements (LRBAs) .

Tax and strategic advantages: With professional adviser input, you can optimise contributions strategies, pension planning, and fund-level tax treatment while remaining compliant under SIS Act regulations .

Tailored retirement planning: SF Advisory helps align your SMSF structure with your long-term goals—from accumulation to transition-to-retirement or pension phase.

Key Considerations Before Setting Up

Deciding to establish self managed super funds requires financial know-how, time, and commitment. You must act as trustee (or appoint a corporate trustee), meet all ATO obligations, and maintain annual audits, records, and investment strategy reviews .

Annual running time can exceed 100 hours—including administration, compliance updates, and investment monitoring. Costs such as advice fees, accounting, auditing, and loan structuring for property must be considered carefully .

Not everyone qualifies. SMSFs suit individuals or families with larger super balances (typically above $200,000) or those keen to invest in property or alternative assets. A financial adviser should assess whether it’s suitable given your circumstances, risk appetite, and capacity to manage fund responsibilities.

How SF Advisory Supports Your SMSF Journey
SF Advisory crafts a tailored SMSF package that manages both advisory and accountancy compliance. Their services include fund establishment, strategy design, compliance oversight, and Ongoing advisory support—together with expert property investment guidance using LRBA structures where appropriate
Their approach ensures that trustees stay compliant with the SIS Act and Corporations Act, while benefiting from expert planning to maximise tax efficiency and long-term returns .

Ready to Decide?
If you're ready to explore whether self managed super fund are the right fit, SF Advisory can guide you with:
A clear evaluation of whether an SMSF is suitable for your goals
Advice on trustee structure and investment strategy design
Ongoing compliance support and audit coordination
Strategic planning for contributions and pension transition

Support for SMSF borrowing and property investment where relevant

With the potential for greater control, diversified assets, and tax-efficient structuring, SMSFs can be ideal for those ready to take an active role in their retirement planning. But only with trusted advice and committed trusteeship can they deliver long-term benefits.