Tailored Strategies for Your SMSF Success
An effective SMSF strategy isn’t just about compliance – it’s about making your superannuation work harder for you. Sandstone Advisory offers personalised SMSF strategy services designed to optimise fund performance, reduce unnecessary tax liabilities, and align with your long-term retirement vision.
Why Partner with Sandstone Advisory?
Your choice of adviser can define the success of your SMSF. With Sandstone Advisory, you gain more than just technical knowledge – you gain a partner committed to clarity, control, and results.
- Strategic Expertise: We provide actionable insights to optimise your SMSF performance.
- Virtual Accessibility: Our online services make expert advice accessible, regardless of your location.
- Personalised Service: We tailor strategies to your specific financial situation and retirement goals.
- Proactive Support: We keep you informed about changes in superannuation laws and how they affect your fund.
Our SMSF Strategy Services Cover:
A solid SMSF strategy is essential for long-term growth and sustainability. We offer comprehensive support across all key areas of fund management, ensuring your SMSF evolves in line with your goals.
- Contribution Strategies: Advising on concessional and non-concessional contributions options, including strategies to manage Division 293 tax implications.
- Pension Planning: Assisting with transitioning to retirement phase, including account-based pensions and minimum drawdown requirements.
- Tax Efficiency: Implementing strategies to minimise tax liabilities, including planning for the proposed Division 296 tax.
- Compliance Assurance: Ensuring your SMSF adheres to all regulatory requirements and stays up-to-date with legislative changes.
Strategic SMSF Guidance for Complex Scenarios
Every SMSF member has a unique financial background. We specialise in adapting tax strategies to match life stages, income levels, and wealth-building objectives.
- Pre-Retirees: Structuring your SMSF to maximise retirement savings in the lead-up to retirement.
- High-Income Earners: Managing contribution caps and tax thresholds such as Division 293.
- Business Owners: Aligning business real property investments with SMSF rules and long-term succession plans.
- Multi-Member Funds: Designing strategies that support intergenerational wealth and shared financial goals.
SMSF Planning Around Division 293 and Division 296
For clients with high incomes or significant super balances, these two tax measures can have major impacts. We develop bespoke strategies that mitigate exposure while maintaining compliance.
- Division 293 Tax: Applies an additional 15% tax on concessional contributions for individuals earning over $250,000.
- Division 296 Tax: Expected to impose a further 15% tax on earnings from super balances over $3 million from 1 July 2025.
Understanding and managing these tax measures is crucial to preserving your retirement capital.
Building Long-Term Financial Resilience
Your SMSF strategy should be agile enough to evolve with your life. At Sandstone Advisory, we continuously review and refine your approach to keep your fund performing through changing economic and regulatory landscapes.
We work collaboratively with your financial adviser, SMSF auditor, estate planner, or mortgage broker to provide integrated, end-to-end strategy support.
How We Work With You
Strategic planning begins with understanding. Our process ensures your objectives drive the decisions we make together:
- Initial Discovery: We assess your current financial position and retirement aspirations.
- Gap Analysis: We identify opportunities, risks, and compliance concerns.
- Strategy Design: We build a comprehensive plan tailored to your needs.
- Implementation: We execute the agreed strategy in collaboration with your existing advisers, if any.
- Ongoing Review: Your strategy is monitored and adjusted as your circumstances change.
Book Your SMSF Consultation
A well-managed SMSF begins with a strong strategy. Let Sandstone Advisory help you make informed decisions that support your financial future. Book a consultation today and take the first step toward smarter SMSF management.