SMSF Financial Planning Services
Strategic, ongoing financial advice for self-managed super fund trustees. From investment strategy and contribution planning through to retirement and pension advice, we help you build a fund that works as hard as you do.
Strategic Financial Planning for Your SMSF
Most SMSF trustees receive financial advice once, at setup, and then very little after that. Contributions go in, the fund remains compliant, but the strategic opportunity inside the fund is never fully realised.
At New Wave SMSF, our financial planning service is built around one principle: your super should be one of the most powerful tools in your wealth plan. That starts with a fund that is fully compliant and properly structured, and builds from there into a deliberate, ongoing strategy.
We provide ongoing, strategic financial advice that is fully connected to your accounting, your tax position, and your broader life goals. Our financial planners do not work in a silo. They sit within the same firm as your SMSF accountant and legal adviser, which means the advice you receive is coordinated, complete, and built around your whole picture.
This information is general in nature. For advice specific to your circumstances, please speak with one of our qualified financial planners.
What's Included in Our SMSF Financial Planning Service
We provide comprehensive financial planning advice across every stage of your SMSF journey.
Our services cover:
SMSF Strategy and Suitability Advice
We help you determine whether an SMSF is the right structure for your circumstances, or review whether your existing fund is still serving your goals. This is the foundation of everything we do.
Statement of Advice Preparation
Where a formal recommendation is required, we prepare a full Statement of Advice that clearly documents our strategy, reasoning, and recommendations in plain English.
Investment Strategy Formulation and Review
We develop and maintain a compliant, personalised investment strategy for your fund, ensuring it reflects your risk profile, time horizon, and retirement objectives. We review it regularly as your circumstances change.
Contribution Strategy
We advise on the optimal mix of concessional and non-concessional contributions, including carry-forward and bring-forward strategies, to maximise what goes into your fund within the annual caps.
Retirement and Transition to Retirement Planning
We plan your pathway to retirement, including transition to retirement strategies that allow you to access super while still working, helping you reduce tax and build wealth in the lead-up to full retirement.
Pension Strategy
We advise on account-based pensions, reversionary pensions, and death benefit pensions, helping you draw income from your fund in the most tax-effective way possible.
Insurance Inside Super
We review and advise on life insurance, total and permanent disability cover, and income protection held inside your SMSF, ensuring your fund provides appropriate protection for you and your family.
Estate Planning Within Super Text
We advise on Binding Death Benefit Nominations and reversionary nominations to ensure your super goes to the right people in the right way, coordinated with your broader estate plan.
Property Investment Strategy Through SMSF
If you are considering purchasing property through your fund, we provide strategic advice on whether it is appropriate for your circumstances and how to structure it to maximise the benefit to your retirement.
LRBA Strategy Advice
We advise on Limited Recourse Borrowing Arrangements, helping you understand the risks, obligations, and opportunities involved in borrowing inside super to acquire an asset.
Capital Gains Tax Planning Within Super
We take a proactive approach to CGT planning inside your fund, timing asset disposals and structuring transactions to minimise your fund’s tax liability and protect your retirement balance.
Sustainable and ESG Investment Integration
If aligning your super with your values matters to you, we can incorporate sustainable and ESG investment options into your fund’s investment strategy without compromising on performance objectives.
Why Active SMSF Financial Planning Matters
A well-run SMSF starts with strong compliance. But compliance alone does not grow your retirement balance. Without an active financial strategy behind it, your fund is meeting its obligations without reaching its potential.
The reality is that the rules around superannuation change regularly. Contribution caps, transfer balance caps, pension payment requirements, and CGT concessions all shift over time. Without an adviser who is across those changes and applying them proactively to your fund, you are almost certainly leaving money on the table.
More importantly, your personal circumstances change too. Your income fluctuates. Your business evolves. Your retirement timeline shifts. A financial strategy that was right for you three years ago may not be right for you today.
Active SMSF financial planning helps you:
- Maximise contributions within the annual caps using every available strategy
- Draw income from your fund in the most tax-effective structure
- Protect your balance with appropriate insurance and estate planning
- Align your investment strategy with your actual risk tolerance and goals
- Coordinate your super with your business, your tax, and your personal wealth plan
- Make informed decisions at every stage from accumulation through to retirement
Who This Service Is For
Our SMSF financial planning service is designed for trustees who want more than a compliant fund. It is the right fit if you are:
A Business Owner Who Wants Their Super Working Harder
You are contributing to your fund each year but you have never had a clear strategy connecting your super to your business income, your tax position, and your retirement goals. We build that strategy and keep it current.
Someone Approaching Retirement
You are within five to ten years of retirement and you want a clear, considered plan for how you transition out of accumulation phase, when to commence a pension, and how to structure your income in retirement.
A Trustee Holding or Considering Property
You are thinking about using your SMSF to purchase property or already hold property in your fund. You need strategic advice on whether it continues to serve your goals and how to manage the investment going forward.
An Existing SMSF Trustee Without a Current Strategy
Your fund was set up years ago and the investment strategy has not been properly reviewed since. You want a financial planner who will look at the whole picture and give you a clear direction going forward.
The New Wave SMSF Difference
SMSF financial planning at New Wave is not a once-a-year review call. It is ongoing, integrated, and built specifically around the complexity that business owners and professionals face.
Advice That Connects to Your Whole Picture
Your financial planner works alongside your SMSF accountant and legal adviser within the same firm. That means your contribution strategy is always connected to your tax position, your pension advice is coordinated with your estate plan, and your fund remains compliant and optimised at every step.
Proactive and Compliance-Driven
We monitor changes to superannuation legislation and review your fund’s position throughout the year, bringing opportunities to you before they expire. Carry-forward contribution windows, CGT timing, and pension commencement decisions all require action at the right time, within the rules.
Built for Business Owners
Business owners have more flexibility and more complexity in their SMSF than most. Variable income, business real property, succession planning, and contribution timing all create opportunities that a generalist planner will miss. We are specialists, and it shows in the outcomes we deliver for our clients.
Speak With an SMSF Accounting Specialist
Ensure your Self Managed Super Fund remains compliant and professionally managed with expert SMSF accounting support.
What Our Clients Say
We are proud to support SMSF trustees and individuals with professional accounting and financial services.
Have a Question About SMSF Accounting?
If you need assistance with SMSF tax returns, financial reporting, or compliance obligations, our team is here to help.
Disclaimer
This information is general in nature and does not constitute financial advice. SMSF financial planning services are delivered by New Wave Financial Planning Pty Ltd, an Authorised Representative of NWG Financial Services, AFS Licence No. 538619. Any advice provided is subject to a formal Statement of Advice. Please consider your personal circumstances before acting on any information contained on this page.