SELF-MANAGED
SUPERANNUATION

Take control of your financial future with a personalised Superannuation strategy

A Self-Managed Superannuation Fund (SMSF) gives you the flexibility to choose your investments, better manage tax and tailor your superannuation strategy to your specific financial goals. This is an alternative to a large industry or retail superannuation fund andto control how your retirement savings are invested. It’s a Superannuation fund just for you and your family.

With the advantages of a SMSF comes complexity. Without expert knowledge this can be time consuming and risky. That’s where we step in. The team of experts at First Samuel are here to guide you through the process and manage your wealth so you can focus on what you enjoy.

WHY CHOOSE AN SMSF OVER TRADITIONAL SUPER FUNDS?

Compared with traditional superannuation funds, a SMSF offers a range of benefits such as:

1 Greater choice on where your money is invested

You along with your trusted wealth managers, decide where your money goes not a pooled fund manager. This allows for personalised strategies that reflect your values, appetite for risk and financial goals.

2 Access to opportunities traditional funds may not offer, including:

Direct ASX investments
Individually managed portfolios
Tailored asset allocation
Specialist private opportunities
Integrated and SMSF structuring
Strategic asset allocation designed around your family’s needs

Industry and retail funds don’t offer this level of choice or flexibility.

3 Tax, retirement and lifetime wealth management benefits

With expert management, a SMSF can create more efficient outcomes in:

Tax management
Transition to retirement
Pension planning
Estate and intergenerational wealth transfer

4 Cost efficiency for larger balances

For clients with larger superannuation balances, a SMSF may be more cost effective than percentage based industry fund fees giving you more value for the services provided.

5 A structure that supports family wealth

SMSFs allow up to six members, enabling effective family wealth management. This structure allows families to pool assets, streamline investment management and plan succession with clarity.

The first samuel difference

Many clients come to us feeling frustrated by limited strategic advice, fragmented service providers or a lack of visibility over their super.

We become your long-term strategic partner working alongside your existing accountants and lawyers. Together we will build your wealth.

We make your superannuation work for you, not add to your workload. You gain the control and advantages of a SMSF, with a specialist team ensuring:

Compliance is maintained
Investments are expertly managed
Tax and super strategies are optimised
Your fund evolves as your life and goals change

This ensures a SMSF that is structured for long-term success, protects your family’s wealth, and gives you confidence in your financial future.

“First Samuel have been managing our Superannuation Fund for over 10 years, We appreciate how transparent and informative they are. We really trust First Samuel to look after us well.

We know there will always be good and bad years, and unpredictable events will thwart you at every turn, but we recognise your expertise on our behalf.”

SG
Melbourne based clients

Dedicated Private Client Adviser

You have unlimited access to a licenced financial adviser who understands your family dynamics, goals and broader financial structures.

Individually tailored investment strategies

Your SMSF portfolio is designed around you:

Your risk tolerance
Your investment preferences
Your retirement goals
Your cash flow needs

Every portfolio for our clients is bespoke with an investment strategy that is handcrafted to grow, protect and preserve your wealth across generations.

Direct access to those managing your wealth

You will have the confidence to understand your wealth. Your team of experts are available to you when you need them most and act as a sounding board for your life’s big and small decisions.

We give you trust and confidence in the investment decisions with direct access to those managing your wealth. We provide our regular investment updates and wealth insights so that you and your family understand your wealth.

Our team is available to help you manage your wealth in line with changing economic conditions, SMSF regulations, ATO regulations, and compliance. We always consider your individual circumstances and financial goals.

Streamlined administration and reporting

We take the administrative burden out of running a SMSF so you can focus on doing the things you enjoy. We lead the team of experts including your SMSF accountant and SMSF auditor to ensure:

Ongoing record keeping
ATO compliance and reporting
A detailed Annual Accountant’s Pack

Our online reporting portal lets you monitor your portfolio performance, so you understand your wealth at a glance.

To further explore what’s involved in running a SMSF, we recommend reviewing guidance from the ATO and Moneysmart.

The ATO guidelines can be confusing and complex, we help you to understand and apply them to your wealth.

If you would like more information on how we can help with your existing or potential SMSF book an obligation-free discussion with our experts.

Frequently asked questions

What is the process of establishing a SMSF?

1. Personal review

We ask you about your goals and financial situation to get a clear picture of your personal objectives, retirement aspirations, investment preferences, business structures, family considerations, and risk tolerance.

2. Assessing SMSF suitability

We review your superannuation member balance(s) and cost-effectiveness of a SMSF. We discuss your investment strategy and desired level of control, the complexity of your financial affairs, and any estate planning or intergenerational wealth considerations.

3. SMSF establishment and compliance

We handle all SMSF setup requirements.

4. Tailored investment management

Your SMSF investment portfolio is individually constructed and actively managed.

5 Ongoing administration, reporting & compliance

We manage ongoing administration, reporting and compliance.

What is the difference between a SMSF vs industry superannuation fund or traditional superannuation?

A SMSF offers greater control, flexibility and transparency allowing you to shape your retirement around your values, family needs and long term goals. With First Samuel as your trusted wealth manager, you’re not managing it alone. Our advisers design a personalised strategy, actively manage your investments, and handle the complexity, so you can build the retirement you truly want.

Can accountants provide SMSF advice?

Most accountants aren’t licensed to give financial advice they can only assist with tax and compliance.

For investment strategy, structuring, retirement planning and ongoing management, it’s essential to work with a SMSF specialist like First Samuel. We coordinate the strategy, investments and compliance, while your accountant focuses on taxation and reporting.

Can I have both a SMSF and an industry fund?

Yes, particularly if you have insurance cover that you need or wish to retain.

What are the advantages of a SMSF?

A SMSF offers:

Greater control over your investment decisions
Access to a wider range of assets, including direct shares and bespoke portfolios
Tax planning for better long term outcomes
Cost efficiency for larger balances
Flexibility in retirement and estate planning

For clients who want personalised strategy and transparency, a SMSF can be a powerful wealth-building structure when managed by the right specialists.

Book a confidential consultation with a Private Client Adviser today to discuss how we can create an SMSF strategy that is right for you.

SELF-MANAGED
SUPERANNUATION