Our Approach

We approach self managed superannuation as though compliance is the single most important obligation. Indeed, it is the adherence to compliance that gives rise to a trust being defined as a superannuation fund - no compliance, no superannuation -no superannuation, no tax concession!

Our services, therefore, are designed with one objective in mind – to enable trustees to discharge their compliance obligations.

Moreover, we contest that superannuation should be viewed as having two quite distinct functions – the compliance function and the investment function. The compliance function relates to meeting the regulatory obligations imposed on a superannuation fund. The investment function relates to the allocation and management of a fund’s assets with the aim to maximise their value.

The compliance function is mandatory, codified and subject to increasing scrutiny by the Regulator (the ATO). The compliance function therefore should be considered as a first order obligation. The investment function is not mandatory, apart from some broad restrictions, or codified, is discretionary in its application and is influenced by, among other things, market forces and competition. The investment function is a second order obligation.

Of the two functions, we consider the investment function to be the most personalized, volatile and potentially costly. It is where wealth is made and lost and where fees are often highest. We contest, therefore, that the investment function should be FLEXIBLE, ADAPTABLE, TRANSPARENT and able to REACT QUICKLY and WITHOUT CONSTRAINT to changes in the performances of investments, markets, advisors or managers. To achieve this, one should have a flexible administration and compliance platform that is independent of, yet impartially supports through data capture and reporting, the investment function. In other words, the investment function should be separated from the compliance function.

Indeed, it could be further argued that objective advice is better obtained by the independence of the investment function from the compliance function.

Furthermore, we aim to make the compliance task of SMSF ownership effortless. Indeed, we strive to make it a rewarding and enriching experience. We look after the mundane yet very important administrative and compliance tasks of superannuation ownership, whilst you take on the broader governance role that includes investment management.

We work with you to determine your level of management involvement - from completely hands-on to one of ultimate delegation.

More information can be found here about the compliance function and the investment function.