Superannuation

We provide a full suite of superannuation services, with a special focus on Self-Managed Superannuation Funds (SMSFs). This includes setting up a new SMSF, managing ongoing administration, ensuring compliance with regulatory requirements, preparing SMSF tax returns, and offering estate planning advice to help you maximise your retirement savings. Whether you’re just starting your super journey or need support managing an existing fund, our team can tailor solutions to your needs.

An SMSF is a type of superannuation fund that you control directly as trustee. This structure gives you greater flexibility over investment decisions, allowing you to choose specific assets and strategies that align with your financial goals and risk tolerance. Many people choose an SMSF because it can offer more personalised control than traditional super funds, though it also comes with additional responsibilities for compliance and administration.

Setting up an SMSF involves a number of legal and administrative steps, including establishing the trust deed, registering with the ATO, setting up bank accounts, and documenting your investment strategy. Our team guides you through this entire process, ensuring everything is structured correctly and compliant from the outset. We take care of the detailed setup so you can focus on planning your long-term retirement strategy.

Once your SMSF is established, we provide comprehensive ongoing support including annual compliance, financial reporting, bookkeeping, tax return preparation, and regulatory lodgements. This ensures your fund continues to meet all legal requirements and gives you peace of mind that your retirement savings are managed efficiently and accurately year after year.

SMSF compliance involves meeting all legal obligations imposed by superannuation law and the ATO. This includes annual audits, tax return lodgements, maintaining appropriate documentation, and ensuring investment strategies align with current regulations. Staying compliant helps you avoid significant penalties and ensures your fund maintains its tax-advantaged status. We handle these compliance tasks to help protect the integrity and effectiveness of your SMSF.

Yes. SMSF estate planning is a key part of ensuring your superannuation is passed on according to your wishes in the most efficient way possible. We can help you craft tailored estate planning strategies that consider binding death benefit nominations, beneficiary structures, and tax-effective transfer of assets upon death. This planning aims to protect your loved ones and maximise the value of your estate.

Superannuation contributions are generally taxed at a lower rate than most forms of personal income, which can make super a highly effective way to grow retirement savings. This means money you contribute to your super can often work harder for you compared to keeping it in a standard savings account. Insight can explain how different contribution types (employer, personal, concessional and non-concessional) work within the tax framework and help optimise your strategy over time.

Our services are designed for individuals, business owners, and financial planners seeking expert SMSF support. Whether you’re considering setting up your first SMSF, need ongoing management, or want to ensure your retirement strategy is compliant and tax-efficient, our team has the experience to help. We aim to make the complex aspects of super simple and understandable.

To get started, simply contact our team for an initial conversation about your goals and current superannuation situation. We’ll assess your needs, explain the options available, and recommend a tailored plan that aligns with your retirement objectives. From SMSF setup to ongoing strategy and compliance, we make the process straightforward and supported.

Superannuation and especially SMSFs are governed by complex legislation that changes over time. Missteps in setup, compliance, or administration can lead to unintended tax consequences or penalties. Professional support from an experienced team like ours ensures you’re making informed decisions, staying compliant with the law, and getting maximum benefit from your retirement savings strategy.