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Self-Managed Super Funds (SMSF)
Take Control of Your Retirement with Expert SMSF Support
A Self-Managed Super Fund gives you something most retail super funds simply can’t — direct control over how your retirement savings are invested. But with that control comes real responsibility. The ATO takes SMSF compliance seriously, and the penalties for getting it wrong can be severe.
That’s where OzLedger comes in. We handle the complex side of SMSF management so you can focus on building your retirement wealth with complete confidence.
SMSF Setup and Structuring
Getting Your Fund Started the Right Way
Setting up an SMSF is more involved than most people expect. There are trust deeds to establish, trustees to appoint, ABN and TFN registrations to complete, and an investment strategy to document before you can even begin investing
A Self-Managed Super Fund gives you something most retail super funds simply can’t — direct control over how your retirement savings are invested. But with that control comes real responsibility. The ATO takes SMSF compliance seriously, and the penalties for getting it wrong can be severe.
What we handle at setup:
Trust deed preparation and execution, trustee appointments and documentation, ABN, TFN, and GST registration where applicable, bank account establishment, and investment strategy documentation tailored to your retirement goals.
SMSF Compliance and Annual Reporting
Staying on the Right Side of the ATO
Once your fund is up and running, the compliance obligations don't stop. Every SMSF must lodge an annual return, have its financial statements prepared, and undergo an independent audit each year. Missing any of these obligations can trigger ATO penalties or, in serious cases, result in your fund being deemed non-complying — which carries a tax rate of up to 45% on the fund's assets.
We take that risk off your plate entirely.
Our annual SMSF compliance service covers preparation of financial statements and tax returns, coordination of your independent annual audit, lodgement of your SMSF annual return with the ATO, management of contribution caps and pension obligations, and handling of any ATO correspondence on your behalf.
Our annual SMSF compliance service covers preparation of financial statements and tax returns, coordination of your independent annual audit, lodgement of your SMSF annual return with the ATO, management of contribution caps and pension obligations, and handling of any ATO correspondence on your behalf.
What we handle at setup:
Trust deed preparation and execution, trustee appointments and documentation, ABN, TFN, and GST registration where applicable, bank account establishment, and investment strategy documentation tailored to your retirement goals.
Contribution Caps and Pension Rules
Superannuation rules around contributions and pension payments change regularly, and exceeding your caps can result in significant extra tax. We keep track of the current limits and make sure your fund stays within them throughout the year — not just at lodgement time.
SMSF Investment Guidance
Investing Through Your SMSF
One of the biggest advantages of an SMSF is the range of assets you can invest in. Shares, property, cash, term deposits, and certain collectibles are all on the table — but there are strict rules around related party transactions, in-house assets, and the sole purpose test that every SMSF trustee needs to understand.
We help you build and maintain an investment strategy that aligns with your retirement goals while staying fully compliant with superannuation law. And as your fund grows or your circumstances change, we review and update your strategy to make sure it still makes sense.
Individual Tax Returns
Maximize your personal tax refunds with expert oversight from former ATO staff to ensure every deduction is claimed.
Business Tax Returns
Streamline your business compliance with accurate BAS preparation and strategic planning to reduce your tax liability.
SMSF Services
Protect your retirement wealth with professional SMSF setup and management that ensures 100% ATO compliance.
Expert SMSF Setup and Compliance Management
Secure your retirement with professional SMSF management that ensures 100% ATO compliance while protecting your assets from heavy penalties. From hassle-free setup to the preparation of annual financial statements and tax returns, we provide the strategic oversight needed to help your investments grow with complete peace of mind. Our team leverages deep industry expertise to navigate complex superannuation laws, ensuring your fund remains a powerful vehicle for long-term wealth creation. We act as your dedicated partner in every step of the process, providing the transparency and reliable support necessary to manage your financial future with confidence. By choosing OzLedger, you gain the advantage of former ATO-level insights to optimize your tax position and safeguard your retirement savings for generations to come.
Tailored Tax & Accounting Services for Every Need
We provide a full range of accounting and taxation services designed to support individuals,
small businesses, and SMSF clients with accurate, compliant, and strategic solutions.
Individual Tax Returns
Maximize your returns with expert guidance and accurate reporting tailored to your financial situation.
- Reviewed by highly experienced tax professionals for maximum accuracy.
- Specialist guidance for rental property portfolios and capital gains calculations.
- Expert reporting for foreign income and international tax obligations.
- Guaranteed accurate and timely submission to meet all regulatory deadlines.
Business Tax Returns
Comprehensive tax solutions to keep your business compliant and financially optimized.
- BAS/IAS preparation.
- Payroll tax management.
- Business structure optimization.
- Strategic tax planning.
SMSF Services
Take control of your super with expert SMSF setup, compliance, and ongoing support.
- SMSF setup and structuring.
- Annual reporting & lodgements.
- Full ATO compliance.
- Investment guidance.
Frequently Asked Questions
How much do I need to make an SMSF worthwhile?
There’s no official minimum, but most financial advisers suggest an SMSF starts to become cost-effective from around $200,000 in total fund assets. Below that, the fixed costs of running the fund can eat into your returns more than a retail super fund would.
How many members can an SMSF have?
An SMSF can have up to six members. All members must act as trustees or directors of the corporate trustee, which means everyone has a say in how the fund is run.
Can my SMSF buy property?
Yes — including residential and commercial property. However, there are strict rules around who you can buy from and who can use the property. We’ll walk you through exactly what’s allowed before you make any decisions.
What happens if my SMSF becomes non-compliant?
The consequences can be significant — from financial penalties through to the fund losing its complying status entirely. We actively monitor your fund throughout the year to make sure that never happens.