A self-managed fund is a trust with its own tax return, its own financial statements, its own independent audit and its own set of rules about what it may own, who it may deal with and when money may come out. Most of the trouble trustees get into is not strategy. It is administration that slipped: a contribution over a cap, a related-party transaction nobody checked, a pension that was not paid in full before 30 June.
We prepare the fund’s accounts and tax return, coordinate the independent audit, and keep the trustees informed of what the fund can and cannot do under the rules as they stand. Where a decision needs licensed financial product advice, we say so and work alongside your adviser rather than pretending the line is not there.
For most of our SMSF clients the fund sits inside a wider family group, with a company and a trust alongside it. The value is in seeing all three together: contributions sequenced against the business’s cash flow, property held in the right vehicle, and the retirement phase planned years out rather than discovered at 60.
What’s included
The fund’s year, handled.
Everything the regulator expects to see, prepared by someone who knows your group.
Annual financial statements
Member statements, operating statement and statement of financial position prepared from the fund's data feeds and documents, with investments valued at market as the rules require.
SMSF annual return
The fund's income tax and regulatory return, lodged on time, with the supervisory levy and any contributions or pension reporting handled.
Independent audit coordination
We brief an independent approved SMSF auditor, assemble the audit file and work through any queries so the auditor has what they need.
Contribution and cap tracking
Concessional and non-concessional contributions tracked against the caps and the carry-forward rules, so the available room is known before a top-up is made.
Pension administration
Minimum pension calculations, commencement and commutation documents, and the transfer balance cap reporting that goes with them.
Compliance oversight
In-house asset limits, related-party dealings, borrowing arrangements and investment strategy reviews flagged before they become contraventions.
Who it’s for
Trustees who want it done properly.
Business owners and families running a fund alongside a company or trust, often with property or a business premises inside it. Trustees whose previous accountant treated the fund as an afterthought and who have had an audit query or a late lodgement as a result.
It is less of a fit for anyone looking for the cheapest possible annual return, or for trustees wanting investment advice from their accountant. We do the tax, accounting and compliance; licensed advice comes from a licensed adviser, and we are happy to work with yours.
How we approach it
Collect. Prepare. Audit. Review.
- 01
Collect through the year
Bank and broker data feeds, property valuations, contribution records and pension documents gathered as they happen, not in a box in June.
- 02
Prepare and lodge
Financial statements and the annual return prepared, reviewed with the trustees, and lodged with the audit report in hand.
- 03
Review the year ahead
A short conversation after lodgement on contributions, pensions and anything in the group that affects the fund, so next year is planned rather than repeated.
FAQ
Common questions.
If yours isn’t here, ask it on the first call. Thirty minutes, no fee.
Do you audit the fund as well?
No. The law requires an independent approved SMSF auditor who is separate from the accountant. We appoint and brief one on your behalf and manage the audit file.
Can you tell me whether an SMSF is right for me?
That is financial product advice and needs a licensed adviser. We can explain the tax, cost and administration consequences, and we work alongside licensed advisers regularly.
Can the fund buy our business premises?
Often, yes, and it is one of the more common reasons a fund exists in a business group. The purchase, the lease back to the business and any borrowing have to be structured within the rules, and since 10 August 2026 new property borrowing through a limited recourse arrangement is generally limited to business real property, with transitional rules for existing arrangements; we map that before anything is signed.
What does it cost?
A fixed annual fee based on the fund's complexity and the number of members and investments, agreed in writing. The independent audit fee is disclosed separately.
We are behind on the fund's returns. Is that fixable?
Yes. Overdue SMSF returns carry their own consequences, including the fund's complying status, so they are a priority. We bring the fund current and deal with the regulator on the way through.
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